davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: ALLY FINANCIAL INC. (IA)

I spoke with XXXX, a floor supervisor for Ally Bank. She stated that Ally does not have an opt in/opt out feature for overdrafting your account. As a consumer, we have the right to not allow our accounts to overdraft. Because of this lack of oversight, I have received {$350.00} in overdraft fees since XX/XX/XXXX. When I asked for them to be refunded, I was told the best they could do would be to refund {$100.00}. Because I wasn't given the option to opt out of overdraft, as per the requirement stated in 1005.17 ( b ), those fees should be invalid. Ally had stated that the program that allows you to cover overdrafts via another account was sufficient, but according to 1005.17 ( a ) ( 2 ), the term overdraft service does not include any payment of overdrafts pursuant to : A service that transfers funds from another account held individually or jointly by a consumer, such as a savings account. Due to this oversight, the following overdraft fees should be credited back to my account, as well as any customer that has incurred such fees/possible punitive damages in order to deter future oversight : {$25.00} XX/XX/XXXX {$25.00} XXXX {$25.00} XX/XX/XXXX {$25.00} XX/XX/XXXX {$25.00} XX/XX/XXXX {$25.00} XX/XX/XXXX {$25.00} XX/XX/XXXX {$25.00} XX/XX/XXXX {$25.00} XX/XX/XXXX {$25.00} XX/XX/XXXX {$25.00} XX/XX/XXXX {$25.00} XX/XX/XXXX {$25.00} XX/XX/XXXX {$25.00} XX/XX/XXXX
Consumer complaint received 2023-03-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A. (NY)

I applied for a home mortgage with CitiBank on XX/XX/2022. My loan number was XXXX. During the mortgage process Citibank excessively checked my credit causing a huge score drop across all 3 credit bureaus. I authorized 1 pull, but there were as many as 4 pulls to one bureau. This mortgage process was an actual nightmare until I signed on the dotted line and now after. I have suffered a large score drop and a credit file that no longer resembles my actual credit worthiness. They showed no regard for my overall credit profile and my possible need to obtain credit in the future. 

These are the unauthorized credit pull dates across the 3 bureaus : XXXX XX/XX/2022 XX/XX/2022 XX/XX/2022 XXXX XX/XX/2022 XX/XX/2022 XX/XX/2022 XXXX XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022
Consumer complaint received 2018-05-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (GA)

I recently was transferred from XXXX XXXX to Rushmore loan management. I have been trying to complete a loan mod with XXXX  for several months without success. They continue to ask for additional documents that were not required during the loan review process. It isn't until I call in that I find out that additional documents are needed to " complete my file ''. My escrow payment increased in 8 months after my loan was originated due to an increase in escrow was not accounted for at origination. I have worked to lower my escrow by decreasing my insurance payment and filing homestead. I asked XXXX XXXX to run another analysis but was advised that I needed to complete the loan mod process as my payment has increase again. I called Rushmore today to find out that my loan was not even coded that I am in the Loan Mod process nor do they have any documents received from XXXX. I was advised that I can resend the package sent to XXXX XXXX or fill out a new package. I also attempted to make a payment and Rushmore refused to accept a payment. Advising that I would need to bring the loan current or they would not take payment. I am trying my very best to make payment and try to get my loan mod and they will not accept payment. Rushmore does not seem to be interested in helping the customer but wants to take homes. I asked the associate if this was an investor guideline. He stated no that it was Rushmore and that I need to complete the Loan Mod process. How about if I do not quality, then Rushmore will have placed me further in default because they just do not want to take a payment? This is ridiculous and needs to be resolved asap.
Consumer complaint received 2021-06-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION (CA)

Loan application filed in XXXX. In XXXX appraisal schedule and all required document uploaded after appraisal by customer. Penfed closed the file of loan and by themselves in XXXX without notified customer and and in XXXX now refusing to refinance with the same rates which was locked and asking to refinance at higher rates.
Consumer complaint received 2018-04-18
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. (KS)

I am writing about an entry listed on my credit report which I have tried numerous times to have removed. Apparently someone with a similar name to mine filed a bankruptcy in XXXX, KS and it appeared on my credit report. I filed several disputes with Transunion. Unfortunately it came back verified and is still listed on my credit report. Frustrated I contacted the Bankruptcy court and they informed me that they do not provide credit bureaus or 3rd parties with any Bankruptcy information. As you well know it is a violation of the Fair Credit Reporting act to report erroneous information on a credit report. I ask that it is removed immediately.
Consumer complaint received 2021-04-13
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: Experian Information Solutions Inc. (NY)

To whom It may concern, Under The Fair Credit Reporting Act, Section 609, I asked Experian to check some information concerning some charges off on my credit report. 

I did request that if Experian could not get any answers to my specific questions in the next XXXX  days to remove those negative items from my Experian Credit Report. 

I has been more than XXXX days that Experian received my correspondence. 

Not only Experian has ever answered my letter and the items in question are still on my Credit Report.
Consumer complaint received 2018-05-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: HSBC NORTH AMERICA HOLDINGS INC. (SC)

XXXX XXXX has two open collection accounts on my credit report that is old debt that they continue to resell/renew to maintain open status. Also XXXX XXXX continues to call multiple times per day to my home, my cell ( never provided them the number to any of the following ), my spouse, my in-laws, my parents, my deceased grandfathers home ... multiple people have asked them multiple times to stop calling, but the calls continue. I have blocked multiple numbers but to no avail they just call from another number. They are harassing me and my family over debt that is old.
Consumer complaint received 2018-05-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CO)

I had purchased XXXX Hockey tickets for Game 6 between the XXXX XXXX and XXXX from a guy by the name of XXXX XXXX. We agreed that I would send payment of {$440.00} via XXXX and he would then transfer tickets via XXXX. After about 10 minutes of trying to get the tickets transferred this scammer stopped responding and would not answer the phone. I immediately called Chase Fraud department and was told they could see the transaction in pending status but they were experiencing system issues and could not do anything at that time. They asked that I call back in one hour. I called back 45 minutes later and filed my complaint. 
I then received a letter on XX/XX/XXXX advising that the payment was not fraudulent. They did not advise how they came to this conclusion, but had there systems been up when I called I am sure they could have put a stop to this transaction while it remained in a pending status.
Consumer complaint received 2018-05-08
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: WELLS FARGO & COMPANY (NC)

I had a bank account with Wells Fargo Bank in Arizona, and they gave someone a {$10000.00} unsecured loan. I reported as a fraud and asked to see the video of the transaction but the bank refused to show me who made this transaction. The bank told my husband I received the money and they told me my husband received the money. No money was returned to me and they still show me owing this amount even when it is showing in the fraud department. And can't provide any Proof of signatures or identification on this {$10000.00} cash loan.
Consumer complaint received 2022-02-02
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. (NJ)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2018-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NJ)

Hello, I saw an offer for a SPG American Express card with a XXXX point sign up bonus. This offer is available only to those who have never had the card before so I had an online chat with American Express to confirm if I have ever had this card. I have been a client for 20 years so I can not recall every product I have had in the past. The chat representative told me " Please be assure you never had a SPG a personal SPG card '' and " so you can go ahead and use the bonus offer ''. Now months later I have not received my bonus. When I asked why, the reps tell me I had a card many years ago. When I showed what a previous rep said in a chat they launched an investigation on XX/XX/18. I have been following up every week as they suggested but there is never any new information. It's been long enough. The evidence speaks for itself and takes all of a few minutes to review and consider not months.
Consumer complaint received 2022-03-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Portfolio Services, Inc. (OH)

Consumer portfolio services XXXX called me requesting information on my wife. I asked who they were and what the company did several times and it was never mentioned that they were a debt collector. I looked them up online found out they were a debt collector a called the number on the site to determine if this was legitimate or if the last call was a scammer. New call seemed legit and like there is an accountbut they told me they could not release any information except to her. After quoting the ftc site about the spouse they moved on. Then i asked for the details of tgedebt. They said they didnt have to provide that. I once again quoted the ftc site on requiments. They then offered to transfer me to someone who could provide those details. Requested details be sent in writing several times and they refused to provide unless we gave personally identifiable information to them. Since ive never dine business with them i refused and requested they provide XXXX required info in writing. When we left the call it doesnt not seem like they will honor the request per the statements on the call.
Consumer complaint received 2018-05-08
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (FL)

I lost or had my cashiers check stolen on or about XX/XX/2015. The check was drawn on my Santander Bank account. I had Santander branch # XXXX research the matter they found {$4000.00} and {$10000.00} check, but not the {$14000.00} check in question. Somebody cash the check or if lost their account will be off {$14000.00} somewhere? I will assist with all information regarding this matter, as soon as you need. Thank you for any assistance you can do. XXXX XXXX. XXXX, XXXX XXXX.
Consumer complaint received 2022-03-02
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. (VA)

I have been reaching out to TRANSUNION, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from TRANSUNION and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : Personal Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-02-12
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. (UT)

The three major credit bureaus have been ignoring all my disputes and I have inaccurate items on my credit. I have been sending disputes along with my husband since XXXX of 2020. It has been almost a year and I have yet to receive any correspondence from any of them! I know that there is a delay but there is simply no way the bureaus have not received any letters from us. Under the law the credit bureaus have 30 to 45 days to respond to the disputes and I have yet to see anything be fixed! There are inaccurate items on my credit and it must be resolved.
Consumer complaint received 2021-06-02
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. (NC)

XXXX XXXX XXXX, is a hawk in calling and reminding you that your payment was due that morning. Which is the reason I chose to pay off this account early. This will be the second loan through the company, so I knew the practices but was in a bind. My last payment was XX/XX/XXXX to close the account and receive back the title for my truck used as collateral for this personal loan. I received the title the day of pay off in full. However, a few weeks later, I was activating a new credit card which had expired and noticed my credit score dropped 28 points this month. Little investigation later, come to find out, XXXX XXXX XXXX mis-reported by loan payment ( for account that is paid in full ) as >30 days late on XX/XX/2021. Worse, analyzing their web site say they report to credit bureaus, but all that is see is their single negative report and none of the months where the noted was paid as agreed. 

I've reached out the to the local office, who then forwarded me on to corporate after apprising them of the situation and to which I've had no response for ownership of the problem and ultimate correction of their error.
Consumer complaint received 2020-12-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (NM)

My loan was sold and I got a new servicer for the XXXX payment. In the statement that Fay Servicing sent me, they illegally added a deferred balance of XXXX to my statement. When I modified my loan, as long as I made 12 payments on time, the balance of XXXX would be forgiven and taken off the loan. Fay Servicing acknowledged this was in the contract, but is now trying to say they can collect if I fall behind on payments. This is an illegal attempt to collect a debt through fraudulent means. I want to use a forbearance for the next two months, but Fay Servicing is trying to say they can collect on the deferred balance which is not true. I have XXXX and this kind of bullying is detrimental to my mental health. What the company is doing is illegal under the US Code for collecting debt.
Consumer complaint received 2023-08-10
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

On XX/XX/XXXX, I made a request to investigate / correct two credit entry in my credit report the transaction is XXXX. 
The equifax company finish the investigation late night in two hours, and I downloaded the report which contain identical information, with no indication of an investigation, just automated message saying it is completed. Need to know the findings, so I know the information in my credit report is accurate as stipulated by my rights.
Consumer complaint received 2022-07-23
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. (PA)

I have never Applied for any loans with XXXX  or never did I used their services. I am a victim of identity theft, and these two XXXX  accounts keep reporting on my credit file. Which is violating my rights under the Fair Credit Reporting Act 15 U.S. Code 1681s. I have contacted this company XXXX and they told me the person only needed the last 4 digits of my social security number to apply for credit which is insane. I explained to the agent I spoke to with this company XXXX  that I never applied for an XXXX  account and this is unauthorized and fraudulent on my credit profile. The agent with XXXX  told me that this account will be removed off my credit profile within 5 days and it's going on over four months and they are still reporting. As an Identity theft Victim, under the 609 ( e ) of the FCRA I am entitled to a copy of the transaction records which I have requested and still did not receive anything from XXXX. I have reported the theft of my idenity to the Federal Trade Commision and will be seeking statutory damages.
Consumer complaint received 2021-06-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd ()

Hello, as far as I understand it is possible to help us with an unpleasant situation we are currently facing, 3 months ago my wife and I created 2 accounts at TransferWise ( Wise ), the accounts were verified with documents everything was fine until a certain point, we have an online store that generates the family income and we used the Wise account for transfers, Wise decided to close our accounts and our money stuck there, about XXXX euros, they tell us that the money back process takes 60 working days, but we can't wait that long and we consider this illegal. Can you advise or help us in this situation? Thank you!
Consumer complaint received 2023-04-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: OneMain Finance Corporation (SC)

They claim they can not accept my negotiable instrument, and failed to return, but are precluded by Public policy HJR-192 and Title 31 of the United States Code Section 5118 ( d ) ( 2 ), and the Fair Debt Practices Act, aka, Consumer Protection Act at 15 USC 1601 and 1693 from demanding payment in any specific coin or currency of the United States . Section ( d ) ( 2 ) of Title 31 USC 1518 states that an obligation governed by gold coin is discharged on payment dollar for dollar, by United States coin or currency that is a legal tender at the time of payment. The narrow view that money is limited to legal tender is rejected under Section 1-201 ( 24 ) of the UCC. It is not limited to United States dollars. See official comments under section 3-104 of the UCC under the definition of money. The Trustees have failed to perform their duty as fiduciary trustee of the account. I have done a Notorial protest against them and the account for non-acceptance and payment under sections 3-501 and 3-505 ( a ) ( b ) of the UCC, which creates the evidence or presumption of a dishonor. They knowingly or unknowingly become the debtor and myself the creditor by operation of commercial and administrative law. Also worthy of note, if they are going to treat the note as a liability instrument, they have to present it to me for payment, make me chargeable under 3-501 of the UCC, which they have also failed to do. To the extent that they are in dishonor for non-acceptance and non payment by Notorial protest on the administrative side, there has been a discharge of the debt in its entirety under the Fair Debt Collection Practices Act within the 30 day time frame as mandated by law. 

They have been reported the IRS via form 3949 for unreported income, and to the FCC for Securities fraud and violation of my registered security. I sent them a negotiable instrument a Money Order/Registered Security/Negotiable Instrument in the amount to payoff account, to which they failed to apply to my account and have not returned. They have also failed to report the registered security to their financial books. They have been notified. They have continued to ignore my registered securities and refuse to properly credit my account. I have also submitted a Billing Error report to them and they are ignoring the Billing Error Dispute and harassing me via email, postal mail and telephone, that is a direct violation of my consumer rights.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Upon reviewing my TransUnion, XXXX and XXXX credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.