davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-05
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: ALLY FINANCIAL INC. (VA)

On XX/XX/XXXX I contacted Ally Bank and XXXX XXXX to request that they report my on-time payments to them for cars they financed in XXXX and XXXX. Between the two companies, I paid 61 payments on-time - but not a single payment was reflected on any of the three credit bureaus. 

While I filed Chapter XXXX in XXXX, I never stopped making on-time payments on our cars. When I contacted both banks, they informed me that it is company policy not to give me credit for on-time payments before, during, or after filing Chapter XXXX. I was told the only way to initiate credit bureau reporting is to refinance the cars with another bank. 

I believe this to be unfair consumer policy and request it be investigated.
Consumer complaint received 2021-04-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC. (CT)

Regarding my online banking. I log into my account and it consistently does not recognize my password. I become locked out on a regular basis in which case I am directed to reset. The reset window does not open but rather, rolls round and round. I have to phone the bank. Long wait on the phone to get someone to reset my password. so I can never get into my account This bank is pushing mobile banking which I do not use. 
In addition, this bank will not lock or unlock my debit card at my request unless I phone in. I had unexpected need of road service while I was out and I could not use my Citizens debit card because I could not get through to them at all. I have another debit card from another bank and I can go online and quickly lock or unlock my card. 
I got to log in using two different browsers and after I type in my login and username I get a window that says I can't get access to my money when I need it. I can't go online when I need to. I would close the account but I have a stack of blank checks that I use to pay local merchants who do not take visa. I am not going to throw them away and waste hard earned money because of this bank. 
I have probably 20 institutions that I use for online access, from banks to investments to insurance, medical, school, shopping, hobbies, on and on. I have all my log ins in a book because we should never use the same one for all our financial and personal accounts. I never have a problem logging to anything except this bank. 
If you go into my information on this bank you will see a history of password changes. i have enclosed a screen shot. 
In addition i get an error message that my browser can not open the webpage. I have enclosed a screen shot.
Consumer complaint received 2021-04-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONS DIRECT MORTGAGE, LLC (FL)

I received a letter from Nations Direct on XX/XX/XXXX indicating they had performed an analysis and because they did not have my HOI renewal my mortgage would be changing from {$1800.00} to {$2500.00} starting XX/XX/XXXX. I called immediately and was told that was an error and to throw that notice out and they would be sending a correction. In XXXX after I paid my normal payment I noticed the XXXX amount was not updated. I called again and was told they did not have my HOI declaration page and once submitted the can update. I called my home owners agency they faxed it over and I received a confirmation from Nations Direct on XX/XX/XXXX the insurance was paid. 
XX/XX/XXXX I called again because I was attempting to pay XXXX mortgage at the original amount of {$1800.00} but the system would not take my payment. Upon calling I was told they could not change my payment and I needed to pay {$2500.00} for not only XXXX but also for XXXX because they could not change my payment back without proper notice. They did tell me that an Escrow Analysis indicated that I had overage and I would be receiving a refund check within 30 days of the XX/XX/XXXX notice. Today, XX/XX/XXXX I call to check on status of this refund and it is no where to be found and the request was placed today and I can call back in 72 hours to see if the refund had been issued. Not only did they give me misinformation and I waited for them to send an update I had to make payment arrangements so they would not ruin my credit with a late payment. My husband and I had to struggle to come up with the money to pay the EXTRA {$700.00} for XXXX and again in XXXX and Nations Direct knew they owes me {$2100.00} and made NO EFFORT to issue my refund. I am thoroughly disgusted to call them today and for them to tell me they had no idea as to why my refund was never issued and they have known about it since XX/XX/XXXX. This company needs to be hld accountable and someone should look into their business practices because it is a helpless feeling when no one is trying to help you and you tack on an extra {$700.00} expense as if it will not impact people. If I didnt pay it my credit would be ruined. I sent complaints to the company and they went unanswered because they do not care. No one has provided me any answers and now I am still waiting on a refund. I have attached the XXXX and XXXX escrow analysis. ALso the confirmation of the HOI being paid and no one ever said that I would still be responsible for the {$700.00} increase for 2 months until I called back on XX/XX/XXXX. This speaks to the inconsistencies I get when I called for help.
Consumer complaint received 2021-04-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (VA)

I received a payoff statement from Rushmore LMS dated XX/XX/2021 in the amount of {$90000.00}, which was good through XX/XX/2021, with a charge of {$13.00} every day thereafter. I closed on XX/XX/2021 and the buyer closed and paid off the loan on XX/XX/2021 using the payoff statement that was provided by Rushmore dated XX/XX/2021. 
On XX/XX/2021, the loan was credited by Rushmore as paid in full. Late in the afternoon on Friday, XX/XX/2021, I received a call from the Title company stating Rushmore returned the payoff without explanation. ( Mind you this is 10 days after Rushmore received the payoff. ) I contacted Rushmore and was told the funds were returned because it was {$760.00} short. Rushmore said the shortage was for a foreclosure attorney. They also said it was added 7  days after I received the payoff statement dated XX/XX/2021. The house was never in foreclosure. When I called to ask for the payoff amount the Customer Service Rep stated the property was not in foreclosure so she can request the payoff. No one informed me of extra money being due before, or after closing. ( Until 10 days after and I was informed by the Title company not Rushmore ) Late in the afternoon on XX/XX/2021 I sent the title company an extra {$810.00} to resubmit the payment. Of course, since we were informed late in the day, on a Friday, they were not able to resubmit the payoff until Monday XX/XX/2021. I sent extra just in case they were going to charge me extra interest for the weekend. The payment sent was now for {$91000.00}. 
On XX/XX/2021 I contacted Rushmore to ensure the payment was received and the settlement was finalized. I was informed of a new payoff amount of {$92000.00}. Now they wanted {$360.00}. XXXX more. No one could tell me why. My case was escalated and I was to receive a call back by a manager. By the end of the day, XX/XX/2021, I hadn't received a call back so I called and was told I was on the call back list and maybe they meant they would call back within XXXX hours. I called back on Friday XX/XX/2021 and was told I was still on the call back list. I called back on the XXXX and XXXX and was still told the same thing. On XX/XX/2021 I wired the extra {$360.00}, this cost me {$25.00} to wire. I never received a call from a manager and they marked the loan as paid in full. On XX/XX/2021 I received at letter dated XX/XX/2021 ( which is the date I was supposed to receive a call back XXXX, stating Rushmore is selling the loan to another mortgage agency. 
I also noticed I was charged late fees of {$140.00}. The loan was in forbearance therefore no late fees should have been charged. 
I want the total of {$1300.00} returned to me. This included the {$810.00}, {$360.00}, {$25.00} wire fee and {$140.00} fees.
Consumer complaint received 2022-01-31
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: VEROS CREDIT, LLC. (CA)

On XX/XX/2022 I received 7 auto loan inquires on my credit that I never authorized. I was NOT in the commission of looking for an auto loan at that time. 

I did apply at XXXX XXXX XXXX on the XXXX of XXXX and only gave permission to send the loan to 2 banks and was approved with XXXX. 

I only work with certain banks and would never approve of having my credit ran like this to unknown financial institutions. XXXX XXXX XXXX had zero permission to do this and I was never notified of this by them. Once I got notified by XXXX I quickly locked my account to stop any further inquires. I believe this was done deliberately to lower my credit score due to the deal they did on the XXXX being sent back by XXXX due to the heavy repairs needed on the car I was sold. 

these are the 7 banks/financial institutions that ran my credit without permission that need to be removed from my credit report. 

XXXX/VEROS CREDIT LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Consumer complaint received 2022-10-31
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$740.00}
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have disputed with XXXX XXXX which is a debt collection agency which is a third party collecting on behalf of XXXX XXXX XXXX with the following credit bureaus XXXX, Transunion, and XXXX. For the amount of XXXX. After I disputed the alleged debt it came back verified which I dont understand how they never sent me what I requested which was proof of existence of alleged debt, and the alleged original purchase agreement with the original creditor and signed by all parties involved never received anything I also sent Portfolio a cease and desist letter on XX/XX/2024 and asked for the same information I received nothing for the past 6 months I have been disputing inaccuracy on my credit report of this alleged debt.
Consumer complaint received 2021-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: GOLDMAN SACHS BANK USA (CA)

Credit card company Goldman Sacks mailed Apple credit card not applied for by myself. XX/XX/XXXX collections called requesting payment for {$32.00}. I tried to pay at that moment but was told I was not able to do so. I requested the land address to mail payment to Apple. I was provided case number XXXX and mail to Goldman Sachs Bank USA, XXXX XXXX XXXX Branch XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX. I mailed this {$35.00} check to that address and as of today they say It has not arrived for processing. The time and efforts put into this at the point is such that I personally resent this time spent on this matter. Today I provided Goldman Sacks with the number of the check and the day it was written XX/XX/21. They are continuing to hound me for the {$32.00} payment. They suggested I fill out this complaint as not initiating this account could indicate fraud regarding someone filling out the application in my name and activating the account when I did not activate it. But someone did. Today the {$32.00} remains outstanding. Please help to clarify my situation, Thank you
Consumer complaint received 2021-04-05
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. (CT)

On XX/XX/XXXX and XXXX, 2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-10-31
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. (IN)

XXXX XXXX XXXX XXXX I have contacted the credit bureau 's to do an investigation on my findings and they do nothing i have sent letters to verify my information i am asking they haven't done nothing i have been waiting on a response. I need for this department to do a investigation into this matter enclosed i have attached two letters showing my proof that i need this information corrected on my credit report. Under
Consumer complaint received 2021-04-05
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent dispute letters on 2 separate dates. I have not receive a response from any bureaus. This doesn't make any sense. The way the bureaus operate is out control. This is a very stressful. The dates I sent letters on XX/XX/2021 and XX/XX/2021. Thats over 90 days. They have 30 days to respond.
Consumer complaint received 2021-04-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (IL)

Someone who lives in XXXX took out an auto loan using my ss number. i live in XXXX, Il and have no knowledge of who this person is or how she got my ss number. Past Due amount is {$4800.00}
Consumer complaint received 2023-02-18
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. (LA)

This is my follow-up request that I have been a victim of identity theft because no one seems to care that I want to dispute specific records in my credit file that do not belong to me, the items I am disputing have nothing to do with my transactions whatsoever. 

Please block these items : XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX
Consumer complaint received 2021-04-06
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. (WI)

on XX/XX/XXXX? XXXX I sent a letter to Experian and XXXX asking to provide me with documents that they were verifying as accurate on several accts. on XX/XX/XXXX it was submitted into dispute and on XX/XX/XXXX was once again verified as accurate without providing any information on how they verified this information. one of the account had been sold to a different source a couple years ago and I was never provided that information yet still appears on my credit profile. I sent a letter via certified mail stating to please provide me with MOV or I would be contacting CFPB
Consumer complaint received 2017-05-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Community Health Investment Company, LLC. (TX)

I received a bill today address to Me, except it had my boyfriends name added to the end of mine. The bill is my boyfriends bill. In the body of the letter is states the patient is my boyfriend, account number, service date and amount owed.     I called to ask why they are sending me a bill for his account, and advise them that they ca n't just add a name to someone else 's bill and say it now is this persons bill and this person is responsible because they say so. They kept asking me what his dob was. I would n't provide it.     First, it 's against the law for them to be discussing 'his ' account with me, it violates his privacy act, and HIPPA  XXXX      Second, if they sent me the bill and state that it 's mine, they can have my information and we will discuss it. I am not providing someone else information to them. They would n't discuss anything further and second time I called t he manager realeased the call for not providing 'his ' SSN.
Consumer complaint received 2023-08-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: MIDFIRST BANK (AZ)

I deposited cash into my checking account once I noticed my rent had cleared. It was before XXXX AZ time and I was told previously by MidFirst bank representatives that I had to make any cash deposits before their XXXX Central time cut off. I made sure the account was positive when I left the bank after depositing cash. 

Two days later they returned my check and can not explain why? Now I have late rent and fees totaling over {$100.00}. They have offered no help and blame me for the entire situation. I deposited cash the first chance I got the day it went negative.

They refuse to reimburse my apartment fees that they caused by simply not honoring my check when the funds where available in cash the same day before XXXX when the account first went negative. They gave me zero opportunity to deposit cash and allow my check to clear.

This is illegal as I had no idea or notice of such procedures and they have disclosed zero information on check processing to me. No emails or phone calls and management is a joke.
Consumer complaint received 2017-05-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (CA)

I saw my credit bureau and saw negative credit reporting by SWC reference #  XXXX . I calle d SWC SouthWest Credi  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  TX XXXX  Phone #  XXXX  and asked the agent for legal proof of notifying me of the collections but he did not provide any cerified mail proof of any notification sent to me about this account or collections.   I will report  XXXX  and  SWC  for illegal credit reporting practices and also to the BBB I calle d SWC today dema nding for proof of notification, the agent was very dismissive and put me on a long hold when asked to speak to his Supervisor Please have  XXXX   XXXX  and SWC Remove my account from collections as I had no knowledge of this collection item until I saw a negative credit reporting on my credit bureau accounts on  XXXX  Sincerely,  XXXX
Consumer complaint received 2021-04-06
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. (FL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-04-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION (MD)

ABUSE OF RIGHT by BB & T - Home Equity Line of Credit # XXXX My Home Equity Line of Credit ( HELOC ) at bank BB & T bank ( now Truist ) reached its maturity date recently and had to convert to a repayment period, which it was stipulated in one of its clauses. 
However, BB & T has exercised this clause with abuse and unconscionability, violating the principle of good faith or elementary fairness. 
BB & T decided to raise my payment from {$350.00} to {$2300.00} per month ( statements attached ). They expect me to repay {$94000.00} in only 44 months, which is impossible for me or any mid-class family. They have not cared that my housing payment ratio rise to 90 % of my gross income. They know that I do not have the income to cover this payment, since they asked me for the documents about my income, and they still do not want to listen to me. 
BB & T, abusing the power it has with this clause, has set a monthly payment that favors them better, but that is leading me to lose my house very soon. I am current on my payments, but I do not know for how long it can be.