davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANCO POPULAR DE PUERTO RICO (TX)

I filed a CFPB complain to POPULAR CREDIT SERVICES on XX/XX/2021 ( Complain ID : XXXX ) regarding the charge of annual fee to the credit card after the account was closed. POPULAR CREDIT SERVICES responded to the complain on XX/XX/2021 confirming that the account as been closed and I will receive a credit for the pending balance related to the annual fee ( please see case XXXX for detailed response from the company ). However, POPULAR CREDIT SERVICES never credit my account to zero out the annual fee ( {$140.00} ) as it stated. As a result, my account is now considered delinquent ( even after closure ) and has been incurring late charges and interest charges, and this has been reported to the credit bureau which affected my credit score significantly!
Consumer complaint received 2022-04-13
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. (CA)

I applied for a home mortgage loan yesterday through XXXX XXXX XXXX XXXX. I woke up this morning to XXXX spam text messages and received over XXXX calls from mortgage loan companies. My email was hacked into and my XXXX investment stock account was tried to get hacked into and I believe this is all do to a breach of information. One particular company sent a text message from number XXXX stating an agents name saying she worked at XXXX 's XXXX a wholesale mortgage broker and they got my information from Transunion. I called Transunion and they said they don't sell information or provide information to anyone other than the person being authorized to pull the credit report however I went ahead and called the number on the text message and spoke with someone from the company who stated Transunion sells them my information. I then again called Transunion to informed them of the information told to me by XXXX 's XXXX mortgage broker and they again said they don't sell my information. I want this further investigated as this is no coincidence. Someone is lying and getting a financial benefit from sharing information like mine and it needs to be STOPPED! I
Consumer complaint received 2021-11-20
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)

The company claimed that they were able to verify the bankruptcy but that couldn't have been possible due to the fact that I have a security freeze with the company that they use to alleged " verify the information ''. Even if I would have filed for bankruptcy, the Bankruptcy Courts do not provide any information to anyone. I have a copy of a letter that clearly indicates that they do not provide any information to anyone. XXXX uses XXXX to " allegedly provide verification of information ''. In my case, XXXX couldn't have provided verification to them due to the fact that I have a letter ( enclosed ) which clearly states that I have placed a security freeze placed on my file.
Consumer complaint received 2017-10-24
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 sent in letters to the credit bureaus in regards to this matter and was just ignored. I told them these were not my accounts. they have 8 accounts the same acct number same date now you know there is no way in the world that I could have got all those student loans all in the same day 8 or you kidding as well as other fraudulent account I saw on my file ca n't they see that is not correct
Consumer complaint received 2021-11-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (CO)

XXXX XXXX to PNC Branches visited in Colorado : XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ) Beginning XX/XX/2021, I have been unable to access both my business and personal accounts with PNC Bank after the transition from XXXX. I can not transfer any funds between the accounts. I have visited XXXX branches a total oXXXX XXXX  times. I have spent countless hours at the branches trying to identify the linking problem I was having. Come to find out, my daughter and I identified the trouble : My XXXX XXXX XXXX daughter has XXXX user ID 's and XXXX has access to my personal money market account, a joint account I have with my husband, my personal checking account, as well as several lines of credit and XXXX additional accounts. My daughter and I have XXXX joint account - PERIOD. She should not have access to my personal accounts ( checking, line of credit or money market accounts. This seems like a breach of my personal privacy. Multiple supervisors and escalations departments in personal banking, online banking, and business banking have been unable to fix this. I only have access to my money market account and a business account when I login with my personal user ID. My last conversation was over XXXX hour and XXXX minutes. No resolution. They will not send me to someone who can fix this XXXX  WEEKS LATER! What I have been told is that " they are working on it '' and " we will contact you '' and " these need to be linked ''. The bank branches have each told me that so many clients are experiencing this. That is a red flag and I am out of patience. This is a breach of my personal privacy. Who else is able to access my accounts other than my daughter? That is terribly scary. This PNC transition has been a flawed mess. This is unacceptable and has become a detriment to my business since I can not transfer funds between the different accounts. Given it is the yearend, I am very concerned that I can not make transfers and access my money in a timely manner. I am not willing to frequent the branches. They are unable to rectify this situation.
Consumer complaint received 2021-11-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello, I have caught BOA charging my & my wife 's credit card for " XXXX XXXX on Purchases '' while there must be no charge at all. This is not a coincidence & this happens with a regular pattern. BOA steals from its customers! What a shame! 
When I call BOA they have nothing to say & just apologize. This is huge fraud by a bank that is FDIC insured. There are millions of innocent citizens are charged interest that they do not have to pay. Many of these innocent people do not understand the XXXX & related financial calculation & this evil XXXX gets away from this fraud. 
I have XXXX XXXX in XXXX & I'm preparing for XXXX exam that's why I have the knowledge to catch these thieves.
Consumer complaint received 2015-12-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (IL)

XXXX cancelled my debt and issued me a XXXX on XXXX XXXX, 2010, just after I began a debt settlement plan. Since then, they have added interest and fees to the original amount due and are continuing to report the total amount as past due to the credit reporting bureaus, even though I was issued a XXXX and paid tax on the cancelled debt over 5 years ago.
Consumer complaint received 2021-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (MA)

On or about XX/XX/XXXX, I became aware of more than {$20000.00} of fraudulent charges connected with my XXXX XXXX issued through Barclays Bank Delaware, XXXX XXXX XXXX, XXXX, DE XXXX. XXXX is a college savings program and I have held this credit card for almost 20 years. 

I contacted customer service immediately, and the representative was able to tease out legitimate charges from the clearly fraudulent ones. I was told a fraud investigation was initiated, and instructed to cut up the card. These bogus charges were easily distinguishable in transaction size, the types of vendors reached ( i.e. XXXX XXXX ) and frequency of charge compared to my normal activity and spending patterns. At no time in the run-up to initiating contact with customer service did I receive communication from Barclays about large, unusual charges or increased frequency of card use. 

On Monday XX/XX/XXXX my bank was legitimately charged for just over {$1000.00} in purchases, and funds were disbursed accordingly. On Tuesday XX/XX/XXXX Barclays, despite being on notice of fraudulent activity attached to my card, attempted to reach my bank account for more than {$20000.00}, putting my bank account seriously in the red, leading to bank fees etc. My bank, on XX/XX/XXXX declined to pay. Yet again on XX/XX/XXXX Barclays tried to access my bank account once again for over {$20000.00} in fraudulent charges. As of this writing, my bank account shows a negative balance. 

On Saturday XX/XX/XXXX despite more than 3 hours in calls with more than 5 customer service, fraud, security staff at Barclays I was informed that a ) Barclays would not provide temporary credit pending completion of the investigation, or B ) intervene to stop efforts to collect from my bank account, despite more than 96 hours of notice about the fraud. c ) I was further informed that the investigation would take between 30-45 days to complete. 

Additionally, I will be complaining to XXXX and have filed a XXXX complaint in Delaware.
Consumer complaint received 2021-11-20
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: TD BANK US HOLDING COMPANY (MO)

I paid off my Target credit card with proceeds from a home equity line of credit. Twice Target rejected the payment. I used the same payment information for my other credit card companies and had no problem whatsoever. I had to move the funds to a checking account and pay them off from that. Target charged me {$29.00} for each payment and closed my account without giving proper notification which I am concerned will reflect negatively on my credit. There was {$60000.00} in the account where they repeatedly rejected the payment. There was no point in time where the funds were not there. 

I called their customer service and they acknowledged the problem, but refuse to fix it. Furthermore, since they erroneously closed my account I can not get access to my electronic statement. Every time I try to log in with my correct username and password, it insists on sending a secondary identification one-time password to my email, but the code repeatedly either shows up after the 15-minute expiration window or the passcode simply doesn't work. So now I do not even have appropriate access to my account information with which to provide you the dates of the payments and amounts. 

I have the following concerns : 1 ) Target negatively impacted my credit erroneously and categorically refused my rights to a credit dispute. They said they were willing to dispute the payment for the {$29.00} fee but would not even open a dispute for the credit reporting. 
2 ) Limiting my access to my account information with which to properly dispute the credit mistake is a further violation of my rights to properly file a dispute. 
3 ) When Target chose to close my account they did not provide appropriate notification of adverse action. 

How many other people are being denied their basic rights to a credit dispute? I would understand if they opened a dispute and we disagreed on the outcome, but Target categorically refused to even open a credit dispute. This seems to represent systemic problems complying with consumer credit protection laws. I'm a good customer with excellent credit and payment history. If this can happen to me I am concerned with how more vulnerable populations are being exploited. I would really appreciate the CFPB 's assistance in looking into this matter and fear the scope of this is more than a simple one-off. I really think this warrants a more broad review of policies, procedures, and front-line customer service training. I am concerned that their agents are operating without a basic understanding of the laws with which they are beholden.
Consumer complaint received 2020-01-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SLM CORPORATION (CA)

According to my credit report on XXXX, based on my XXXX credit report, I opened an account on XX/XX/2018 with this creditor. I am quite certain I did NOT open an account. Aside from that, this creditor known as SALLIE MAE has placed my account in collections. Their action has negatively affected my credit report/score with Derogatory Marks. They are stating that my account has been sent to collections, however, I was never notified about this account and never received a bill. I'd like to address this IMMEDIATELY and get this negative remark removed from my report.
Consumer complaint received 2020-12-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (CO)

I entered into an agreement to refinance my mortgage with Freedom Mortgage ( also my current lender ). They have canceled my closing twice at the last minute due to document problems on their side. I stopped the refinance process with another lender because I believed I had a closing scheduled with Freedom Mortgage. I believe Freedom Mortgage is deliberately delaying the process in order to get my rate lock to expire. 

Here are the people I have spoken to at Freedom Mortgage XXXX XXXX NMLS # XXXX XXXX NMLS # XXXX XXXX XXXX ( processor ) XXXX XXXX ( escalations ) XXXX XXXX XXXX ( escalations ) XXXX XXXX XXXX ( loan processing manager )
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

My credit reports are still showing a late payment for my XXXX XXXX XXXX XXXX, Acct # XXXX for the Month of XX/XX/2022. This is an error. I was never late! I am also disputing the fact that multiple items on my report is factually inaccurate across all three credit bureaus. For example : The Date Opened is not consistent across all bureaus. The High Credit is not consistent across all bureaus. The Credit Limit is not accurate across all bureaus. The Last Reported is not consistent across all bureaus. The Date Last Active is not consistent across all bureaus and finally the Date of Last Payment is not consistent across all bureaus. 
My rights according to the FCRA and 15 U.S.C Code 1681e is that all reported data in my credit file is to be 100 % accurate and verified. How can this much information be inconsistent when supposedly being reported by the same data furnisher?
Consumer complaint received 2021-11-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

Under Florida XXXX XXXX XXXX " A void judgement is a XXXX that has no legal force or effect, the invalidity of which may be asserted by any party whose rights are affected at any time and any place, whether directly or collaterally ... its in incapable of being confirmed, ratified, or enforced in manner or to any degree. 

On XX/XX/XXXX, SPS ( Select Portfolio ) reply to our complaint no. XXXX, and made the false that on XX/XX/XXXX, we had engaged in a loan modification agreement. SPS uploaded a copy of the allege agreement to the Consumer Financial Protection Bureau portal. I have attached the same for your recollection. If you carefully review the signature page you'll find that SPS ( Select Portfolio ), never signed the agreement, therefore we never had a contract. Under Florida XXXX XXXX ( XXXX ) ( a ), A written agreement loan modification agreement must be signed by both parties. Because XXXX XXXX never signed the agreement we never had a contract, therefore is a void. The allege contract never was, nor taxes paid on the loan increase pursuant to Florida statutes XXXX ( XXXX ) ( b ) XXXX ( XXXX ).
Consumer complaint received 2019-07-30
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. (IL)

my identity was compromised. i disputed matters several times with the cb and they only reply verified or accurate. i advised them about my situation, i have proof of letters sent out with items that should be removed. they refused to obey by the law with providing me with validation that obligates me to the items as mines.. i provided my police report etc..
Consumer complaint received 2015-09-09
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo automatically lowered my monthly automatic withdrawal payments. They did this because I have made additional payments to my loan in order to pay it off earlier. The letter they sent did not use clear language to indicate that my loan would not get paid off sooner, like I intended. I called Wells to get further clarification. The person on the other end could not explain the reason for the lower payment in a basic understandable format. I worked in lending and currently work for a securities regulator. If I did not work in these fields, I would not have understood that I would not be paying off my loan sooner, like I planned, based on the letter and the Well 's employee.
Consumer complaint received 2022-04-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

They are sharing my personal information. 

15 U.S.C 1681 section 602 A. States i have the rigth to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2021-11-20
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. (OH)

I am not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts -XXXX XXXX XXXX XXXX # XXXX -XXXX XXXX # XXXX -XXXX # XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2021-11-20
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. (OH)

I am not an attorney or XXXX- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts -XXXX XXXX XXXX XXXX # XXXX -XXXX XXXX # XXXX -XXXX # XXXX -XXXX XXXX XXXX # XXXX
Consumer complaint received 2023-10-15
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA (VA)

I received a copy of the letter dated XX/XX/XXXX stating : " Congratulations! The Biden-Harris Administration has forgiven your federal student loan ( s ) listed below with MOHELA in full. This debt relief was processed as part of the Biden-Harris Administrations one-time account adjustment because your student loan ( s ) have been in repayment of at least 20 or 25 years. An adjustment to your account updated the number o payments that qualify towards income-driven repayment ( IDR ) forgiveness. This forgiveness is effective XX/XX/XXXX. '' The letter also stated, " We have notified, or will notify by the end of the month, all national credit bureaus of your student loan forgiveness. '' I checked with credit reporting agencies and found it had not been updated in XXXX. I called and spoke to a rep and requested that it be updated as the letter they sent stated that it would be. 

I checked again in XXXX and it still has not been updated. I have submitted disputes with the credit reporting agencies but they are also waiting on correspondence form MOHELA to verify the dispute.
Consumer complaint received 2021-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (MA)

I have tried everything to resolve the issue from writing Hyundai capital a letter to calling to disputing the issue with the bureaus but nothing has worked as they are refusing to acknowledge my request the manager at Hyundai capital laughed at my concerned and said i would never be able to remove the remark as they say was reported correctly the issue is that it was NOT i paid my lease every mo the on time they failed to report an excise bill and too the money from my monthly hill to pay the excise bill when confronted why they shared that it was a system issue they have and was processed that way
Consumer complaint received 2022-10-13
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. (SC)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
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 Balance : {$9100.00} ; XXXX XXXX XXXX Balance XXXX {$12000.00} ; XXXX XXXX XXXX Balance XXXX {$4800.00} ; XXXX XXXX XXXX Balance XXXX {$7100.00} ; XXXX XXXX XXXX Balance XXXX {$3600.00} ; XXXX XXXX XXXX Balance XXXX {$7000.00} ; XXXX XXXX XXXX  XXXX Balance : {$190.00}.