davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION (NY)

I have a shared ( joint ) account with my wife at Simple bank, with debit cards in both of our names. On XX/XX/2019, I attempted to use my card as a charge without pin and it was declined, I tried again wit pin as debit and still declined, I called Simple who after placing me on hold for approx 1 hour told me that there was a problem with my wife 's individual account ( thats separate from this joint account ) and both accounts in her name was frozen, including the joint account and she would have to call in to get information since they could not give me any information. So she called back in from her phone as they requested, and after placing her on hold for approx 30mins, was told that they dont know what was the problem and would have to escalate it ans someone wound send her a message through the website, the day passed and nothing, no email, no calls. over the next 2 days my wife and I at seperate times made numerous calls to find out the lproblem an have our money releases. I was eventually told that they did not know why the accounts were locked and they are working on the problem, meanwhile they are holding my money hostage.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TransUnion generated a credit report on XX/XX/24 and showed that I have XXXX credit cards with XXXX XXXX, XXXX with account number XXXX XXXX XXXX XXXX and another one with account number that ends in XXXX. The second account is fraudulent so I created a dispute on XX/XX/24. Since I didnt see any changes on my report I called XXXX XXXX XXXX XX/XX/24 and they confirmed I only have XXXX account and it ends in XXXX and that Transunion should be able to remove my account since it was confirmed with XXXX XXXX that I only have XXXX account. TransUnion wont confirm the removal of the account in XXXX.
Consumer complaint received 2019-03-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC. (FL)

I have a debt through an original creditor, XXXX. I paid the debt via Afni 's website on XX/XX/2019. I paid the full amount of the debt {$200.00}. I have sent letters requesting that this debt be removed from my credit report since I am no longer liable for this account. 

I currently have AFNI and XXXX XXXX reporting on the same dates on the same account. According to law, you shouldn't have 2 collection accounts reporting on the same account. 

This is severely hurting my credit and I am unable to buy a home for my family.
Consumer complaint received 2019-03-23
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (FL)

Navy Federal Credit Union ( NFCU ), XXXX XXXX XXXX, XXXX VA XXXX, XXXX. 

Complete Failure to " Gross Up '' Non-Taxable Income for VA Loans/XXXX Veterans. 

Because NFCU does not " Gross Up '' XXXX Veterans ' XXXX and Compensation, or Veterans ' Social Security XXXX, payments, etc. ; A XXXX veteran is being so discriminated against via a very visible and DISPARATE IMPACT. 

Lenders gross monthly income, ( very typically, 10-20 %, ) when determining what type of mortgage a veteran can afford, checking major, monthly debts in relation to " Pre-Tax Income. '' When such " grossing up '' is not done on " non-taxable income, or payments, money, '' this so obviously/visibly creates a FINANCIAL DIS-ADVANTAGE for a would-be buyer/veteran, who receives such non-taxable money/payments/income. VA allows lenders to adjust veteran-borrowers ' non-taxable income, upwards, creating a " Pre-Tax Gross Figure '' ; For Example : A veteran ( like myself ) receives XXXX and compensation at the 100 % rate -- {$3000.00}, from the VA ; my social security XXXX from SSA is {$1200.00} -- all, non-taxable -- or, my " NET PAY, '' versus a gross pay. In other words, more than likely, for Any Worker earning a " net pay of {$4300.00}, monthly, '' such worker would have to earn -- perhaps, several hundred dollars more ( $ XXXX $ XXXX ), considering " Income Taxes, and Social Security Taxes, and even other deductions .... '' It is very important/imperative that such " grossing up '' transpires when determining DTI-Ratio, or, more specifically, keeping such debt-to-income-ratio below the VA 's 41 % guidelines ..., which, so very obviously, will help a XXXX veteran to obtain/maintain/retain a loan, at least, EQUAL TO -- if not, GREATER THAN another or even some other, person, who does not receive non-taxable income. 

Lastly, I am speaking directly from Past Experience : As, a commercial bank ONCE approved me for a much higher VA Home Loan than NFCU. Because, NFCU failed, so fantastically, to " Gross Up '' my " Net Income -- VA XXXX and Compensation and even SS XXXX, money/payments/income. '' Whereas, the commercial bank did indeed " Gross It Up. '' Thereby, NOT discriminating against me because of such, disability/payments, and, so very UN-LIKE NFCU ; which, TODAY, is STILL discriminating against XXXX veterans .... IT MUST STOP/END IMMEDIATELY ...! AND, I DO MEAN END/STOP IMMEDIATELY ...! 
Or, maybe, Congressional Oversight or a Congressional Complaint is so warranted, regarding this very imperative/important COMPLAINT -- WRONG.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.
Consumer complaint received 2022-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

EQUIFAX did not conduct a proper investigation and wont tell me what source they got their information. The XXXX XXXX XXXX account ending in XXXX is attachment account. The mailed me a letter stating they will not reinvestigate. Conducting an E-Oscar investigation is not a proper investigation. I will attach the police report and the EQUIFAX letter they mailed me. In accordance with the Fair Credit Reporting act, EQUIFAX has violated my rights.
Consumer complaint received 2018-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (CA)

This company preys on those who are already in a bad situation and in need of assistance and they claim to do something but i have not gotten anything taken off of my credit report and pne of my creditots was a hospital e.r. visit and i called my health insurance carrier and found out I was covered that whole year so I asked if this credit repair agency XXXX XXXX XXXX could get the invoice number so I can get this taken off my credit it's been I don't know 3 weeks or something and nothing 's been done and they charged me a hundred and something dollars and when I try to do the chat window I said on this waiting waiting waiting waiting window for I don't know how long 45 minutes or something finally I just hang up you know I have to
Consumer complaint received 2018-04-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I previously sent Porfolio Recovery Associates a validation of debt letter under the Fair Debt Collection Practice Act to validate what they claim that I owe them. And all I received was an itemized list of alleged charges. This does not meet the Federal Trade Commission guidelines of what constitutes proper debt validation. During my request of proper debt validation with Portfolio Recovery I notice that they are still reporting this collection on my credit report, which is considered to be a collection activity. They are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by filing a claim in small claims court. These collection on my credit report are causing me severe problems in trying to purchase a home and the damage could lead in to the {$1000.00} 's. Reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all benefits of good credit.
Consumer complaint received 2022-07-21
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. (NY)

Under l

aw 15 U.S.C 1681B A 2 Without my written constructions to furnish the account on my report they can not have this account reporting to my credit report. 15 U.S.C 1681 4 I have the right to privacy i want nothing furnished on my credit report without my written consent. 

Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2023-04-04
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

BAYVIEW LOAN SERVICING, LOAN # XXXX. 
I WAS PAYING {$74000.00} AT THE TIME YOU MODIFIED MY LOAN TO PAY {$65000.00} SO KEEPING MY INTEREST RATE THE SAME WITH TERM AND CONDITION THE SAME AS PER YOUR LETTER DATED XX/XX/XXXX. MY LAST PAYMENT OF {$650.00} WAS MADE LAST XXXXXXXX XXXX XXXXXXXX AND ALL OF A SUDDEN YOU PUSHED WITHOUT INFORMING ME ABOUT TRANSFERRING MY LOAN TO GET YOUR OWN SERVICING COMPANY, COMMUNITY LOAN SERVICING TO DEAL WITH MY LOAN. I AM REQUESTING THAT MY LOAN STAYS WITH YOU. YOU PUT ME THROUGH THIS GOVERNMENT PROGRAM BECAUSE I WAS AFFECTED BY XXXX XXXX, OFFERING ME THAT THE UNPAID MONTHLY PAYMENTS WERE GOING TO THE END OF THE LOAN LIFE AND THAT EVERYTHING ELSE WAS GOING TO REMAIN THE SAME. WHY ARE YOU CAUSING ME SO MUCH HEADACES. MY PAYOFF AT THE TIME OF YOUR LETTER WAS {$150000.00} AND IT IS AT THIS TIME {$180000.00} ACCORDING TO THE LAST LOAN SERVICING COMPANY. WHAT YOU ARE DOING WITH MY LOAN IS WRONG OR THE GOVERNMENT PROGRAM IS JUST A SET UP FOR THE AMERICAN PEOPLE TO LOSE THEIR AMERICAN DREAM, THEIR HOUSES. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX HAVE BEEN ENTERNTAINING ME FOR A LONG TIME, TELLING ME THAT THEY'RE PROCESSING MY LOAN AND INSTED OF DOING WHAT THEY SAID THEY WERE DOING THEY HAVE GOT MY LOAN INVOLVES WITH SO MANY LOAN PROCESSING COMPANIES WITHOUT TELLING ME THAT THEY WERE TRANSFERRING MY LOAN TO SIX LOAN SERVICING COMPANIES : COMMUNITY LOAN SERVICING, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  BAYVIEW LOAN SERVICING ARE RESPONSIBLE OF MY LOAN. YOU MODIFIED MY LOAN AS PER YOU LETTER AND YOU NEED TO CLEAR MY LOAN ACCOUNT.
Consumer complaint received 2022-07-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MI)

I have a home mortgage with Loan Care. Beginning in XXXX of 2022, Loan Care began to place my monthly mortgage payments into a suspended credit account. I called and the issue resolved. 

In the months that followed, each monthly payment I made was placed into a suspended credit account and was not applied to principal, interest, or escrow. I had to call each month to resolve the issue. 

Two payments processed in XXXX. The payment processed on XX/XX/XXXX was not applied to my XXXX balance ; rather, it was once again placed into the suspended credit account. On XX/XX/XXXX, I sent an email to Loan Care asking them to please apply the suspended balance to the actual mortgage payment due. In that email, I told them that I was so tired of dealing with this issue that I would be seeking refinancing with another mortgage company. 

I received conditional approval from another loan company - except my Loan Care mortgage showed that my XX/XX/XXXX payment was unpaid and overdue. I called Loan Care on XX/XX/XXXX, and was assured by a call center worker that the suspended balance would be applied by the end of business on XX/XX/XXXX. As of today, XX/XX/2022, Loan Care shows my account overdue by 50 days, while the exact amount due on XX/XX/XXXX ( {$1100.00} ) is shown as a suspended balance. I called again today and was assured once again that it will be addressed. 

I am trying to finalize a mortgage elsewhere because of this exact issue. I am extremely hesitant to make my XXXX payment, as I have no faith that it will not be sent to suspended balance purgatory with my XXXX payment.
Consumer complaint received 2018-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (NY)

US Bank is reporting three late payments stemming from XX/XX/XXXX until XX/XX/XXXX. During the time of the occurrences, I was unemployed and should have maintained a deferred status for the late payments but rather my credit score has taken a hit. I have contacted US Bank multiple times in reference to the matter, disputed the occurrences, emailed the CEO to no avail in helping correct the matter. My credit score is being affected. I have had this secured card for 2 1/2 years, since XX/XX/XXXX, outside of the 3 payments which should have been deferred, I have never missed any payments. I would like to have US Bank correct this error.
Consumer complaint received 2019-03-23
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: TRANSWORLD SYSTEMS INC (NY)

Hi All, I am writing this so that it is on record that I XXXX XXXX have attempted to explain previous to both XXXX  and XXXX XXXX XXXX that paying my loans would place me in hardship. 


I have in total federal and private XXXX worth of student loan debt and have yet to reach graduation in school due to the XXXX - XXXX school year of XXXX XXXX now XXXX retrieving my loan in my XXXX year from XXXX univesity. This matter has since caused me XXXX to which I have taking medication on as well as affected me from paying back my XXXX bills due to my diagnose of XXXX. I have several XXXX bills unpaid for an my condition can be XXXX or XXXX at any point in my life which is on record. According to my doctor i have had XXXX my entire life it just recently has taken over my body causing me to be hospitalized from XX/XX/XXXXup until on off XX/XX/XXXX and on bed rest. I just went back to work in XX/XX/XXXX which is on record since I was on XX/XX/XXXX. In starting my new job I also have no health insurance currently and am not sure I remain seeing as though my health has not been 100 percent an the affect of paying back these loans are causing server XXXX. 

The loan companies have used tactics such as threats, calling my family ( XXXX XXXX  XXXX did this ), telling me I have no options, and depleting my credit score. 

I would like for the CFPB to step in with ways on how to assist a consumer who has both private and federal. I am writing this so that if in the case I end up back in the hospital or in court that it is on record that I have searched every day for options and have atleast spoken to both companies once for a clear and reasonable understanding and they have failed. One is taking me to court and the other I am paying .. I also have loans with XXXX which come back into affect within XX/XX/XXXX.
Consumer complaint received 2023-04-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (MN)

I went to deposit the {$120.00} in the ATM at US Bank XXXX XXXX XXXX XXXX ( it was XXXX  XXXX and the lobby was closed ). I selected to deposit the cash in the ATM ( XXXX - {$20.00} 's ) and when the cash was pulled into the machine there was a longer wait than normal while it was trying to proccess my cash deposit. Then it said " A machine error has occured, unable to complete deposit ''. It printed out a receipt with no dollar amount stating " a machine error has occured, we are unable to credit your account ''. So it took the entire {$120.00} and did not give it back. I immediately called US Bank customer service and they opened a claim. They said it could take up to 10 business days to investigate and get my money back. I need to file this early in the " investigation '' because I am certain I will not get my money back, and I am furious. All I have is a receipt that shows NO dollar amount verifying how much I tried to deposit, I'm pretty certain they have no way to actually track it in the machine and verify the amount I lost.. 

This has devastated me. I receive GA every month ( {$120.00} ) which I always deposit into my checking account at US Bank, once I withdraw the cash from my XXXX card ( at XXXX XXXX XXXX there is no surcharge ). That WAS THE ONLY MONEY I HAD TO MY NAME!, and now it's GONE and I am SCREWED because I needed that money urgently for personal needs and a couple of bills. This is just WRONG and UNACCEPTABLE for ATM 'S that are designed to handle check/cash deposits to make errors like that and to just keep the money. This same thing at the same ATM did the same thing last summer when I tried to deposit {$100.00}, the ATM " ate '' the money and a claim was filed, I got it back. because the ATM was able to give me a receipt that showed {$100.00} deposit but not credited to my account. I thought that incident was just a fluke, because I have made a bunch of smaller cash deposits in the same ATM since then, including a {$25.00} cash deposit the night before and it worked just fine. THIS TIME, it ate the ONLY money I had and just gave me a receipt with NO dollar amount so I guess I am out {$120.00} dollars and I desperately needed that money, and I am really suffering because of this loss. I strongly suggest US Bank customers not to use their ATM 's for depositing cash/checks, they take your money and you don't get it back. Another customer a while back told me in passing that that particular ATM doesn't work right. So if they knew their ATM had issues why didn't they fix it??? Malfunctions in ATM 's like that with no measures in place to eject the money back out in the event of an 'error ' is unacceptable. This error has caused significant problems for me and I am really suffering because of it, and this should not ever happened in the first place, I need my money back ASAP!!!
Consumer complaint received 2018-04-24
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. (GA)

On XX/XX/XXXX, I notified the credit bureau that I am a victim of Identity Theft, ( police report, identity and theft affidavit ). I provided the legal documentation required along with identifying information. I requested they remove the following accounts. This information is still reporting. I was first violated when they failed to verify the information and then when they reported it. The original creditor has deleted the account but the collection agency and credit bureau accounts are reporting The credit bureaus and the collection agency has ignored the laws that was set-forth to protect me. It has exceeded the 30 days to investigate and delete the account. 
The companies are : XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX The only address that should be reporting i s XXXX XXXX XXXX XXXX, XXXX Ga, My Name should be reporting as XXXX XXXX XXXX XXXX No variations and no AKA I did Not authorize the following Inquiries : XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I was shocked when i review my credit and notice the late payments in one of my capital one credit card in XXXX and XXXX account number XXXX, i believe i have made my payments to you on time, the only thing could happen is the statement did not get on time to me.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2021-02-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LCO Financial Services, LLC (FL)

In late XX/XX/2020, while struggling in the mist of the pandemic due to loss of hours at my job and some unexpected costs, a disgusting company called blue trust loans preyed upon my desperation by deliberately misleading me into and and extremely high interest rate loan. On XX/XX/2020 I was approved of a loan from them in a time of need under the impression that the XXXX dollar loan that I was approved for would be paid off with interest with 6 payments of XXXX dollars on top of the initial XXXX dollar fee. Now I have made all those payments, and come to find out to my shock and horror I still owe XXXX. In fact if I continue to pay at the same rate my total payment will amount to over XXXX for a XXXX dollar loan. If I knew this was the case under no circumstances would I have taken this loan even in that moment or desperation. Blue trust loans is a company that deliberately misleads people in order to bind them to an extremely high interest loan and they should be held accountable. The only thing they have offered me is to pay the remaining XXXX upfront to avoid further fees/principal but I can not afford that and even if I could I would still ultimately be paying far more than I initially expected. Due to what they have done I feel violated and even more financially stressed than even when I received the initial loan.