davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-10
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (GA)

I spoke to Rushmore several times since my mortgage was bought by them. Each month I called in to get my mortgage on auto pay and was told it was set up. Each month I learned the mortgage was debited late and after I called in for a manual draw. There were a couple months that I paid double payments since the prior month was not debited and each month the agent told me not to worry about the error since they were not reporting to the credit bureaus due to covid. I have a more than 12 year history of on time payments before they bought my loan and now that they have it, they have yet to resolve the autopay issue. I have given them my account information each month for billing and they still have not resolved the issue.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MO)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-08-10
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

The day that I went to look for a loan I tried everything I was in the middle of moving out of my house with my husband at the time we were separating only been married a year lost in the state of confusion just didn't really know what to do I was at my wit 's end I apply for a loan that's all I had was a car Well I got a title loan from XXXX at XXXX XXXX XXXX   over a year ago when I thought that I was at the end of paying the {$2500.00} back I had already paid I think close to XXXX back so I thought I was done so I gave them a call and they told me that only {$10.00} of the money that I had been paying went toward the principal but the {$390.00} a month that they told me to pay every month went towards the interest so that means that by the end of the loan I would have to pay them {$14000.00} for {$2500.00} loan for a car that's only worth {$800.00} in the XXXX XXXX value they are threatening to repossess the vehicle from me I don't understand how they could charge me over 300 % interest for the vehicle for the loan they won't give me any help they just want me to just keep paying them {$390.00} a month until {$14000.00} is paid off
Consumer complaint received 2020-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

There are two issues I am concerned about. First, the credit report I received by mail includes the following : " Personal statements you've asked us to include : You've given us the following statement to include every time a company asks us for your credit report : 'FILE FROZEN DUE TO FEDERAL LEGISLATION. ' '' This is untrue. In fact, I requested that the credit freeze I initiated be lifted. Experian agreed to do that. 
Second, I can not log into my account because Experian has no record of my name and social security number.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-08-10
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. (FL)

The following inquiry is being reported inaccurately on my Experian credit report. 

XXXX appears on my Experian credit report inaccurately and can not be validated. A violation of federal law. 

XXXX is being reported without any permissible cause, no credit or loan was awarded but is still being reported as accurate. This is a violation of FCRA rules section 1681.
Consumer complaint received 2020-08-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I deposited a personal check from my brother into my checking account using the ATM on XX/XX/20. The receipt said that the funds would be held until XX/XX/20. When I checked my account online, it said the hold was in place until XX/XX/20. The amount of the check was {$4000.00}. I understand that banks sometimes hold a deposit for a couple of days to wait for the funds to clear. However, my brother reports the funds left his account the same day I made the deposit. 

This wait time, 7 business days, is excessive and illegal I thought. ( Max is 5 business days ). The check was written on an account in the same county, so there's not a question of it being across state lines. 

I called the Bank of America customer service number to complain about the length of the hold and was told there was nothing the representative could do. She said that the bank was within their deposit rules. 

This money was put into my account to pay vendors doing work on a property I am closing on in a couple of weeks. Ultimately, I had to move other funds into the account from a credit card to cover the checks I am writing ( checks to track the expenses for tax purposes ). 

I will be taking my banking business elsewhere, but wanted to see if I could get some third-party help and maybe warn others of BOA 's banking practices. Thank you for listening.
Consumer complaint received 2020-01-09
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)

I HAVE CONTACTED THIS BUREAU A NUMBER OF TIMES STATING THESE ACCOUNTS LISTED BELOW DO NOT BELONG TO ME. THEY ARE FRAUDULENTLY OPENED. I DID NOT AUTHORIZE OPEN THESE ACCOUNTS AND THEY NEED TO BE REMOVED IMMEDIATELY BECAUSE THEY HINDERING ME. 
XXXX XXXX XXXX {$4800.00} XXXX XXXX XXXX {$4500.00} XXXX {$660.00} XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$860.00}
Consumer complaint received 2020-08-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (PA)

Hello and hope all is well. Thank you for taking the time to review concerns regarding student loans and credit reporting. Being a XXXX XXXX for the XXXX XXXX XXXX XXXX  since XX/XX/2015. The Department of Education has not extended the possibility of loan forgiveness. Being a dedicated employee during this unforeseen and uncertain error in time, my life is at risk daily. COVID-19 has made a major impact within our departments along with my home. My XXXX  was XXXX with the XXXX. Being considered frontline and essential, i went above and beyond the necessities with preparing XXXX for delivery. 

Also, requesting reporting on all major credit profiles. Due to the number of inaccuracies with the same account number multiple times on the report. This is an area of repetitive reporting which is compromising creditworthiness and credit scores.
Consumer complaint received 2020-08-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Hello and hope all is well. Thank you for taking the time to review concerns regarding student loans and credit reporting. Being a XXXX XXXX for the XXXX XXXX XXXX XXXX since XX/XX/2015. The Department of Education has not extended the possibility of loan forgiveness. Being a dedicated employee during this unforeseen and uncertain error in time, my life is at risk daily. COVID-19 has made a major impact within our departments along with my home. My mother was XXXX  with the XXXX  Being considered frontline and essential, i went above and beyond the necessities with preparing mail for delivery. 

Also, requesting reporting on all major credit profiles. Due to the number of inaccuracies with the same account number multiple times on the report. This is an area of repetitive reporting which is compromising creditworthiness and credit scores.
Consumer complaint received 2022-10-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (GA)

I have checked my funds daily and immediately prior to purchases by the banks app to ensure funding is available. On the morning of XX/XX/2022, the bank said my " AVAILABLE FUNDS '' were {$50.00}. I made three purchases that day. {$6.00}, {$12.00}, and {$21.00}. The sum of these purchases is {$40.00}, below the AVAILABLE BALANCE of {$50.00}, as documented and shown by my banking digital statement. Even currently, when looking at the bank digital statement, it shows the ONLY actual purchases made that day to be these three transactions. Yet Truist bank charged 3 overdraft fees for {$36.00} for all three transactions. When questioned, they state a recurring charge which was deducted from my account of XX/XX/2022 ( the following day ) caused the account to overdraw. They can not clarify why the statement says that transaction, showing cleared and finalized the following day is causing the penalty to occur THE DAY BEFORE. When I called the representative, and the eventual supervisor, I was rudely and promptly disconnected when I made the correct assertion that this bank had misled me, and then stolen the overdraft fees. The supervisor was rude, and unhelpful.
Consumer complaint received 2020-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc. (RI)

XXXX refuses to address a valid credit scoring mistake they have made in conjunction with my loan at Nationstar. XXXX  has refused to accept my documentation showing the error and now has set up a number of cumbersome obstacles to resolving this matter in a fair and honest way. XXXX Report # XXXX for XX/XX/XXXX would not honor my request or a portion of it based on limited information. I have provided XXXX all relevant information regarding a fraudulent report of credit reporting from Nationstar. Nationstar claimed that I did not pay my mortgage on XX/XX/XXXX when in fact their own statements show that I made the payment. However, Nationstar chose to place my funds in an " unapplied funds '' account without explanation or notification. I have made several attempts and provided documentation regarding this " error '' or intentional fraudulent credit report on many occasions yet XXXX continues to deflect, obstruct and obfuscate the matter in some attempt to avoid responsibility. 

I paid the mortgage payment on time and Nationstar has of yet to acknowledge the payment or correct the problem. In addition, XXXX has failed to thoroughly and fully investigate why Nationstar provided them false statements about the credit report and instead has refused all of my attempts to correct this matter and address the error in credit reporting in my file. The attached documentation clearly shows my payment and Nationstar and XXXX 's fraudulent scheme of credit reporting. This is illegal, immoral and should be punishable to the greatest extent of the law.
Consumer complaint received 2020-06-17
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (NY)

I submitted application online for business savings account. Business banker called and required that I provide social security number to complete application. No alternative was available to authenticate my identity. I expressed concern that Wells Fargo employees were able to see my full social security number with NO encrytion and was told this was the process. This was a business account and they refused to accept the business ' EIN. I asked if the ability for anyone to call in with the application number and they telephone representative be able to see the FULL social security number was a secure business practice and in compliance with NYS social security protection laws and federal rules. I was told its Wells Fargo policy and I had to provide SSN or cancel the application. 
I ask that you look into this practice given high potential for employee fraud, this does not seem in compliance with NYS and federal laws, and my identity can easily be authenticated with our information + an encrpyted SSN.
Consumer complaint received 2020-08-10
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This complaint is more about what didn't happen as opposed to what happened. The bottom line is I have been disputing with the credit bureaus since XXXX and I have received no response. I know the corona virus is real but common folks. There is no way it should take 4 months to respond to me. My credit has a bunch of stuff that shouldn't be there and with credit lending real strict now a days it is affecting me greatly. If I have to, I will sue the credit bureaus. They need to fix this now and I don't want to wait another 4 months for them to investigate and send me something in the mail.
Consumer complaint received 2020-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (CA)

I have recently reviewed my credit report. I noticed that there is a late payment shown for XX/XX/2020 for the Discover Credit Card. I have always taken my credit very seriously. I try to pay off my balance before the end of every month - before the due date. In fact, my current balance is {$0.00} with this account. During COVID-19 Pandemic, I was overwhelmed by obligations with family, work, home, kids, and health. It was a very difficult time. I even had to temporarily request for payment waiver ( aka forbearance ) for accounts. When I explained my situation, Discover Customer Service Representative Supervisor, XXXX from XXXX, said there were no late payment marks in their system. In fact, my account is all clear and I had a " remarkable credit history '' with the Discover account. XXXX said he immediately notified all credit bureaus of this mistake and sent an off-cycle report to confirm that my account is incorrectly marked on all XXXX of my credit bureau 's reports for the late payment of XX/XX/2020. 

I am not sure what is going on exactly. But I am requesting to have this late payment mark remove from my credit report. I would like to have the case reconsidered and remove the negative mark and clear and make current my accounts on the credit reports.
Consumer complaint received 2022-05-15
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: Experian Information Solutions Inc. (NY)

I have been trying to resolve an error in my credit report with Experian since XX/XX/XXXX. I returned and satisfied account # XXXX XXXX XXXX with XXXX in XX/XX/XXXX. I confirmed this with the creditor several times and Experian continued to resolve and keep the account open stating that XXXX reported it was still open, even after confirming with me that it was closed. Then they opened a previously closed account from XXXX. I submitted documentation that both accounts were closed and satisfied. On XX/XX/XXXX, they switched it to Repossession. The car was repossessed in XX/XX/XXXX but was returned after being paid in full. There is someone at the Experian agency that is messing with my file and I need guidance on how to resolve this issue.
Consumer complaint received 2022-10-29
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TRUIST FINANCIAL CORPORATION (TX)

My vehicle was totaled on XX/XX/XXXX. On XX/XX/XXXX, my insurance company requested a letter of guarantee from Truist so that they can payoff the vehicle. They were told it would be sent to them in 5-7 business days. It is now XX/XX/XXXX. We have not received the letter of guarantee. I have made multiple calls to the total loss department to request the status of this letter. They do not answer the phone or return voicemails. I contacted loan servicing and filed a complaint. I was told that a manager would call me back regarding my complaint. No one has called me back. I have filed a second complaint with servicing. No response. I also emailed the CEO of Truist on XX/XX/XXXX. No response. My insurance will not pay me the balance of the coverage on the vehicle until this matter is settled, which is creating a significant financial hardship for me. Issues and problems I can understand, but the complete lack of responsiveness and the fact that no one seems to be able to help me is completely unprofessional. It should not be this difficult to get a simple letter so that my insurance will payoff the vehicle.
Consumer complaint received 2022-10-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

Rushmore Loan Management Services keeps provided incorrect information : For the in-process modifications that XXXX  XXXX XXXX XXXX XXXX recognize, the company gave incorrect information to certain consumers about their unpaid balances, payment due dates, interest rates, monthly payment amounts, and delinquency statuses
Consumer complaint received 2020-06-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

I had {$180.00} in my account on XX/XX/XXXX. My XXXX XXXX double charged me so the 2and charge brought my acct to {$33.00}. I had used my atm card for gas for {$15.00} on XX/XX/XXXX. I also had to use my atm card twice at an atm on XX/XX/XXXX, once for {$120.00} and the other for {$80.00}. On XX/XX/XXXX my account showed {$110.00} in overdraft fees. I called to see why I was charged 3 overdraft fees. It was explained that when my balance was {$180.00} and i took the {$120.00} out, that processed first so my balance was {$62.00}. Then the {$80.00}, the {$140.00} XXXX  pmt, and the {$15.00} gas charge came out which caused the 3 overdraft fees @ {$37.00} each totalling {$110.00} in fees. This morning I logged onto my account and I am being charged ANOTHER {$37.00} fee. When I called to dispute this, I was told that it was for the {$120.00}. So they are saying that the {$120.00} was only deducted from my available balance but not paid so when they " paid '' it " today '' it caused another fee. But if it had already been deducted causing the other 3 overdraft fee 's then it I shouldnt be charged a fee for it. Basically I had 4 transactions with a balance of {$180.00} tet I'm getting charged an overdraft fee for all 4 transactions!
Consumer complaint received 2020-06-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MA)

Having trouble due to covid issues and company not working with me at all. Told company suspended repos, however they still call. Made XXXX arrangements for payments and was told the calls would stop, yet they havent. This is a horrible company that says they love and honor veterans, however only the ones who have no financial issues. They harass and dont care about those of us on hard times, and many will soon know.
Consumer complaint received 2020-04-14
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. (NY)

Since XX/XX/2019, I've mailed each bureau about 3 times to fix some incorrect information on my credit report. The incorrect information is still displaying on my report. I also asked them to tell my how they verified each item and the credit bureau has failed to do it. It's been pretty frustrating seeing incorrect collections hurting my score.
Consumer complaint received 2020-08-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (WA)

Wed called and set-up an automatic payment with a representative for a one time {$1600.00} payment. Our mortgage is usually {$1300.00}. The extra {$300.00} was a one time payment to cover escrow costs. The company accidentally withdrew two payments. One for {$1600.00} on the XXXX of XXXX, and an additional {$1300.00} on the XXXX. This overdrew our bank account. After calling freedom mortgage, a representative told us they were sorry for the mistake, and that the funds would be available next day ( XX/XX/XXXX ). After discovering our account was still negative, we called and spoke to another representative. That representative reviewed the notes and told us the first representative said to send in a bank statement before they could process the refund. We were never told that. After speaking with the second representative, we sent the statement into Freedom Mortgage. The company acknowledged receiving our bank statements and the refund would be sent within three days. After three days, we called and spoke with another representative that told us the refund would be sent to us on the XXXX of XXXX. We called back today and now were being told the XXXX. 
Were usually very easy going customers. I understand that everyone, even large companies must try to adapt to the current situation. However, there appears to be no personal accountability with the company. Our bank account has been negative for 8 days. Weve received numerous overdraft fees. This has definitely been a difficult week, and were left trying to figure out how to get caught up again financially after all of this. I want to be clear in stating, that the representatives weve spoken to in the passed two days have tried everything they can to help. Unfortunately their hands appeared to be tied. We really do appreciate you looking into this. Thanks so much.