davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-16
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (NY)

I had a similar complaint I had submitted in regard to this situation with this particular card but this is a new complaint, something different. 
I explained very patiently to this Bank, the issuing bank behind this retail credit card, what had happened with the retailer, both on the phone numerous times with supervisors to no avail and in written complaints. I told them I was disputing the balance until the retailer resolved all of my issues. The retailer promised to credit me and reissue the charges under a new completely revised interest free plan, which they did eventually get around to doing sometime in XXXX. Also, as a part of it, they promised all my late fees would be waived and I would be starting with a new slate. However, it was a long wait and in the interim I was getting hit with late fees and my credit is now ruined. Before they had agreed, I had appealed to TD Bank to dispute the balance and they refused. I have never seen anything like this, where the issuing bank of a credit card refuses to stand by a customer when there is a dispute over a charge. Instead, all they did was continue to pile on the late fee 's compounding my debt. Making it worse. The retailer never had the late fee 's waived as promised. I still have them for XXXX, XXXX and now XXXX. The entire account is a mess and I am not paying this until all these late fee 's are waived. Furthermore, since the retailer promised to straighten this all out, this never should have affected my credit. TD Bank has the power to straighten this all out with the retailer.
Consumer complaint received 2020-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XX/XX/XXXX My Moms Bankruptcy ended I noticed that XXXX XXXX was reporting during the bankruptcy that our Mortgage was 90 -180 Days late every month on on Both Credit reports (. ) in XXXX I received her Discharge and we sent letters to all 3 Bureaus XXXX, XXXX, Trans Union all 3 said they would contact XXXX XXXX doing business as XXXX XXXX XXXX upon contacting XXXX all 3 were told that they were reporting it right and it would stay that way, So I contacted XXXX XXXX and explained that it was illegal to report inaccurate information on credit reports and that I would seek legal remedy, Consumer Financial Protection Bureau was contacted sent all 3 credit reports and the complaint letter to 3 credit bureaus in XXXX, XXXX and now XXXX XXXX XXXX ( KNOWINGLY Deleted ) our Mortgage on our reports and so we could not show a mortgage history which would keep us from getting a loan from another bank? and would keep our credit score down so we could not qualify for any other loan? I have the documentation from the credit bureaus showing it was there in XX/XX/XXXX and before although it shows them reporting it late 90-180 days again that is illegal, so I filed several complaints and have tried to speak with them and have had them say time and time again that its correct and they are not changing it, Well in XXXX i received notices that they were reporting our information incorrect and they would fix it and they were sorry? I am going to sue XXXX XXXX for this as they have lied to a Congressmen 's office that checked into this as I am a Veteran, This has financially ruined us, we have gotten no loans with reasonable APR 's and We have paid more for all Purchases We still have not had fixed and now were forced to sell our property as we couldn't get a loan for the Mortgage that our report doesn't show.
Consumer complaint received 2023-03-05
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: EQUIFAX, INC. (LA)

On XXXX XXXX XXXX, over 30 days ago I sent you a dispute letter and I believe I was to supposed to get an update or notified of the status but I still haven't recieved any response as yet. I believe this is a violation and punishable by law. I am aware that the CRAs are required by the FCRA to comply with consumer disputes and I learn from people online that I need to file a complaint to CFPB, XXXX, and the Office of the Atty General if did not I receive appropriate response.
Consumer complaint received 2020-12-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (CA)

On XX/XX/2020, my wife and I refinanced our mortgage with United Wholesale Mortgage ( UWM ). We did not receive our XXXX mortgage statement prior to XX/XX/2020 which was the date of our first mortgage payment after the refinance. Therefore, I called UWM and made the XXXX payment over the phone. When my XXXX mortgage payment due date was approaching and no mortgage statement had arrived, I called the UWM customer service phone number and told the representative that we had not received our XXXX mortgage statement. The representative instructed me to mail our mortgage payment to the following address : United Wholesale Mortgage XXXX XXXX XXXX XXXX XXXX, CA XXXX. 
Following the instructions of the representative, I had my bank send UWM a draft for our mortgage payment on XX/XX/2020. The payment arrived at the UWM address on XX/XX/2020. My payments are late after the XXXX of the month ; therefore, my XXXX payment was received by UWM prior to XX/XX/2020 and was not late. UWM never called or emailed me to let me know that my payment was not received. However, when UWM did not accept the bank draft, my Credit Union stopped payment on the draft on XX/XX/2020. When my Credit Union notified me that a Stop had been placed on the XX/XX/2020 draft, I reached out to UWM and was told that my payment should have been mailed to a different address. Further, I was informed that a 30 day late had been reported to the bureaus for us.
Consumer complaint received 2020-03-06
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: ID Analytics, Inc. (NJ)

In response to complaint XXXX : Sage stream continues to violate FCRA by continuing not to honor my mailed in request with documents proving my identity. this has been going on for 6 months. I submitted the documents that suitable to verify my identity. 
by certified mail certified mail # XXXX delivered and signed for on XX/XX/2020 certified mail # XXXX delivered and signed for on XX/XX/2020 SAGE STREAM 's failure to continuance to deny my request for security freeze and copy of consumer report, will lend to a filing of suit at a legal venue near me this will be my last request for them to honor my documentation or I can see them in court and a let a Judge decide on who was correct on suitability of documents. 

Northing in the FCRA says I must submit online and I will not be using online means to facilitate my 2 requests. 
I've submitted my two request via certified mail on 2 separate occasions the next certified mailing will be for legal remedy 4th and final request.
Consumer complaint received 2020-12-18
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: General Motors Financial Company, Inc. (SC)

GM financial has refused to remove an inquiry that got on their system from identity theft. GM financial is claiming they got permission from the dealership but I never gave the dealership permission to even submit my information to GM financial. GM financial is now refusing to try to work with me to get this removed. I want GM financial to deal with the actual issue that they pulled my credit with no permission from me therefore by law they have to remove it nobody else can do that.
Consumer complaint received 2024-03-15
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. (OR)

HARD INQUIRIES MADE IN ERROR OR PLACED ON MY CREDIT MORE THAN ONCE AS IT ONLY SHOULD BE ONE TIME OR NOT AT ALL AS SOME I DIDNT APPLY FOR IT AT ALL. PLEASE DELETEXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX

NEVER APPLIED WITH THIS BANK OR COMPANY. PLESE DELETE XXXX XXXX XXXX XXXX XXXX XXXX XXXX FLORIDA XXXX

THIS IS A DUPLICATE ONLY APPLIED ONCE NOT TWICE THIS IS ERROR PLEASE DELETE

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX

THIS IS DUPLICATE ONLY APPLIED ONCE NOT TWICE THIS IS ERROR PLEASE DELETE


THEIR IS MORE THAN ONCE ON MY CREDIT SAME COMPANY EITHER DIDNT APPLY AT ALL OR APPLIED ONLY DID IT ONCE ON MY CREDIT IT HAS BEEN PLACE MORE THAN ONCE TWO OR THREE TIMES NOT ACCURATE PLEASE DELETE AS I MADE SURE TO PUT DATES OF THEM ALL. THANK YOU
Consumer complaint received 2023-01-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION (MO)

I have two issues with accounts I recently opened with Regions Bank. I opened these accounts after receiving a promotional offer mailer advertising a bonus for opening a new checking and/or savings account. I opened both a checking account and a money market savings account, and have received the {$400.00} bonus that was advertised to me. So far, so good. 

XXXX ) The issue began when I went to close these accounts, as I opened them only for the bonus offer. The branch employee informed me there would be a {$25.00} " early closure '' fee for both accounts because they had to remain open for at least 6 months, as part of the promotion. This early closure fee was not disclosed anywhere on the promotional offer ( images attached for reference ), nor anywhere that I recall during the account opening process. Note that I work in consumer protection compliance for a large national bank ; in other words, I read the fine print. So I was more than surprised to find out about these fees only through the ( very helpful ) branch employee. This is material information that may have affected my decision whether or not to open these accounts. Given both the CFPB 's and President Biden 's recent advocacy against junk fees, and against deceptive practices in general, it's surprising to me that Regions would try to impose a fee like this ( on a promotional offer, no less ) without at least disclosing it to customers. 

XXXX ) The second issue is specific to the money market savings account. I was recently charged a {$12.00} fee that, through research, I believe is for for not maintaining the required minimum account balance. ( I say through research because my statement gives no detail on what the fee is for ). I'm fairly certain the minimum required balance when I opened my account was {$2000.00}, because that's how much I put in the account ( i.e. I didn't choose {$2000.00} at random ). There is nowhere that I've found in my account info that states what my minimum required balance is ( super helpful ), but looking at other Regions accounts it appears to be {$2500.00}. I'm not sure if this changed after I opened my account or what happened exactly. I won't say it's impossible that I read the min balance wrong, but again, I can't imagine I would've chosen to deposit {$2000.00} if I knew the minimum required balance was {$2500.00}.
Consumer complaint received 2022-05-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc. (CO)

DOVENMUEHLE is not sending the loan modification to the chapter XXXX trustee XXXX XXXX in XXXX colorado. I attached a copy of the loan modification and payment statement my next payment is not until XXXX of XXXX There costing me XXXX a month. XXXX Dovenmuehle knows by federal law they should have sent the loan modification to the federal bankruptcy courts in 30 day 's the loan modification was done in XXXX of XXXX
Consumer complaint received 2023-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Possible Financial Inc (TX)

I believe the information on my credit report is in accurate among all three bureaus and has so many inconsistencies. I sent a letter to all three credit bureaus asking to validate the debt on my report and they responded with the account being validated and verified. 

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. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OR XXXX Account number : XXXX Possible Financial XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX
Consumer complaint received 2023-02-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (CA)

I recieved mail addressed to my maiden name, XXXX XXXX, claiming to be from Phoenix Financial Services, a debt collector. It said I had an account with XXXX XXXX XXXX XXXX and I owed XXXX. It said XXXX XXXX XXXX XXXX is my current creditor and my original creditor is XXXX XXXX XXXX
Consumer complaint received 2020-03-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC (CA)

Sometime after XX/XX/XXXX my personal information was compromised and I became a victim of Identity Theft. On XXXX a vehicle was rented in my name at XXXX XXXX XXXX XXXX at the XXXX XXXX XXXX in XXXX XXXX Ca. as well as products from XXXX XXXX Once I found out about this fraud I immediately put a fraud alert with the 3 major credit bureaus on XXXX and on XXXX the police report I filed with the XXXX XXXX Police Department was approved. I had contact with a detective from XXXX and informed him about the identity theft and the date in question and let him know that I was at work at the time of the car rental. No further information on my part was needed and a case of fraud/theft was issued with them. Once I had the police report approved I filed a Fraud Statement Dispute with XXXX and on XXXX XXXX XXXX sent me a letter stating they would not be pursing collection activity and I have been removed from financial responsibility. Soon after the police report I started getting calls from XXXX about an outstanding bill in my name. I informed them that I was a victim of identity theft and the same thing happened with XXXX XXXX. I then proceeded to fill out the XXXX Fraud Statement Dispute and sent that form in along with a copy of the police report and photo ID. XXXX in turn denied my fraud claim and are not accepting the information I have provided them. They in turn took me to collections in which I then sent Curtesy Letters to both XXXX and Source RM stating that California Penal Code 530.8 and the Federal Fair Credit Reporting Act require them to supply me with a copy of all information about the said account including the application that was used to open the account and records of all transactions. They both haven't sent me the information I requested but XXXX did send me another Fraud Dispute form. I also found out that an XXXX XXXX XXXX account was opened but they closed out the case after I talked to a manager in there fraud department letting them know I've been with them since XXXX and opening another account made no sense to which they agreed and closed out the fraud case. I also mentioned to XXXX XXXX that the said address used in the transaction ( s ) was an address I had previous lived at and was a renter. I no longer lived at said address because I am now a home owner. I have a copy of a 30 day notice of said address as well as a copy of the Grant Deed of my current home, the Police Report and the XXXX letter stating that the fraud case has been dismissed. I didn't have XXXX XXXX or XXXX XXXX XXXX XXXX in the police report because at the time I didn't know they purchased anything from them. 2 majors companies have accepted my fraud claims but only XXXX XXXX has not
Consumer complaint received 2023-02-05
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. (FL)

Submitted several letters to all three credit bureaus to investigate inaccurate information and valid accounts. They continue to violate my privacy rights and laws by not doing so. I would like all negative account thats be report to be validated or removed.
Consumer complaint received 2020-03-06
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. (FL)

This complaint is a formal complaint that you have ignored my previous requests and failed to maintain reasonable procedures in your operations to assure minimum possible accuracy in your credit files you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 

Please refer to my previous letters and complaints for proof of my previous requests and notice of the compromising of my social security number, and identity theft.
Consumer complaint received 2020-03-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (NC)

The beginning of XX/XX/XXXX, I contacted Quicken Loans to see about approval for a new mortgage loan. I spoke to representative XXXX initially. I provided all requested materials, paid a required good faith fee of {$500.00} and received a pre-approval for a new mortgage loan. At that time I was questioned about my employment status. I had told XXXX over the phone as well as in text messages and email messages that I had retired from my permanent full-time position 2 years prior but, was continuing employment with the same company on a temporary basis, through their temporary office and had done so since XXXX of XXXX. He assured me that my employment status would not be a problem. Subsequently I received a final approval for the new mortgage loan with Quicken and signed a contract to purchase my new home. Out of the initial {$500.00} good faith payment I made to Quicken, an appraisal was done for my new address and fee deducted. I was also given a closing date of XX/XX/XXXX for the purchase of my new home and had the sell closing scheduled for my existing home on XX/XX/XXXX as well. Approximately two weeks after receiving the final approval from Quicken I was notified that there was a problem. Apparently Quicken misunderstood my employment status. They were under the assumption that I was working permanent for the temp. office I am working temporary for. Because of this my debt to income ratio posed a problem for my approval for a new mortgage loan with Quicken and my initial approval was denied. I received a phone call from XXXX at Quicken who offer the solutions of getting a co-signer for the new loan, putting {$20000.00} additional dollars down with my 20 % down on the new property or including my boyfriend on the loan. I am XXXX years old, have paid a mortgage for 30 years on my own, did not have an additional {$20000.00} dollars to put down and did not like the suggestion of being forced to put my boyfriend ( not husband ) on my loan. Due to these problems presented by Quicken I was forced to scramble to find another resource for a mortgage loan to purchase. I did so with no problem., however I am out my {$500.00} dollars paid to Quicken Mortgage and have not received an offer of refund from them. Truthfully I am not holding my breath that my money will be returned but, will never deal with Quicken loans in the future. This was a misunderstanding on their part and no fault of mine. If I could be reimbursed my good-faith payment of {$500.00} I would definitely appreciate that as I was required to pay an additional {$390.00} to my approving mortgage lender for another required appraisal of my new home.
Consumer complaint received 2020-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (GA)

My checking account was fraudulently taken over on Saturday XX/XX/XXXX night. I spoke with a Chase representative from XXXX who indicated the transactions had been flagged and needed to confirm them with me. Upon confirming they were fraudulent, I was told I would need to go to a branch on Monday XX/XX/XXXX to provide identification and open new accounts. Monday morning arrives and I go to the branch to be told that my accounts are frozen and that they cant open any new accounts for me because Chase has banned us from being customers and they can not give me any funds because there are pending transactions and that a cashiers check will be sent in up to 10 business days. I called the customer service line on Thursday XX/XX/XXXX and Im told that they will be able to give me a portion of the funds but only in cash and to call back Friday morning so they can reach out to the branch to make sure they have enough cash. Friday morning arrives and I call the customer service line XXXX and arrange to pickup a portion of the funds at the XXXX XXXX branch and to speak with XXXX. XXXX was very nice and did everything he could. However, after almost 2 hours waiting in the branch they couldnt give me any funds again as they had canceled my debit card and the debit card was the only way to get the funds out the account. I have no access to any cash and am relying on credit cards. I am not able to pay my mortgage, car payment, utilities or quarterly tax payment because I can not access any of my funds. I have provided my photo ID, my passport, my Chase debit card and another credit card to provide identification. I have late fees on every one of my accounts and I am accruing interest on my credit card balance. I can not open up another checking account because I would need funds to do so. I spoken with Chase representatives 3 times on the phone and have been told to go into the Chase branch and they will either allow me to open new accounts or access a portion of my balances. I have been to 2 branches ( XXXX - XXXX XXXX XXXX & XXXX - XXXX XXXX XXXX. ) and spent a total of 3 hours in the branches and have been told both times that I can not access my funds and I am no longer a customer. I have no access to my online accounts, have not received any further phone calls from Chase, have no access to my debit card, have not received any physical communication ( letter in writing ) and received emails saying I have important information in my online inbox on Chase.com which I am blocked from seeing. It has been 5 business days and I have no access to my ~ $ XXXX in my 3 bank accounts ( 2 checking, 1 savings ) and no one can provide a firm date of when I will receive my funds. They canceled my accounts and did not provide my any notification of doing so.