davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-04
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. (DE)

Going over my monthly consumer report I've noticed that Transunion is reporting multiple accounts that's inaccurate and reporting unlawfully. They are reporting accounts that are not verified nor have my consent to report. I have a right to privacy in which this account never had permission form me which violates that right. I ask that Transunion thoroughly investigate these account to ensure all accuracy. There are no agreement between me and any of the companies reporting so how can there be a debt if there was never a balance agreed to be paid? where's the authorized signature from me? If Transunion continues to report these accounts knowing they're not verifiable then that's another violation against my rights on their end. Pursuant 15 U.S. Code 1681i - Procedure in case of disputed accuracy, I demand that these accounts be removed if you can not provide to me any signed agreements between me and the creditor reporting these accounts with my permission to report these accounts.
Consumer complaint received 2019-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

Greetings, There were two instances where USAA has completely dropped the ball when I attempted to set up an automatic payment on my car note and credit card. The goal was to never be late on a payment but they had ongoing technological difficulties that caused my account to be late two times : Once in XXXX of XXXX and once in XX/XX/XXXX. My checking account wasn't debited automatically which was the reason the payment was missed. 

The only excuse I got from the USAA customer service representative was that, " It's a much bigger company now. '' As if to say, 'yeah, it was our fault but what do you want me to do about it? ' Needless to say he wasn't much help getting my credit report fixed.
Consumer complaint received 2019-10-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

I got a mortgage loan in XXXX XXXX XXXX XXXX, after having a foreclosure in XXXX, on XX/XX/XXXX, this company transferred my loan to Loancare, a XXXX company in XXXX XXXX, VA. 
I received information about the transfer including fees to make payments. I always pay online and have that service with XXXX XXXX  with NOT fee, however the new loan service Loancare charge fee on every pay option except autodraft, forcing the customer to provide them with routing number ( ABA ) and checking account number ( DDA ) and authorizing them to automatic withdraws every time, so customer will not have any control over those withdraws. 
Special request fees ( see attachment ) : Pay-by-phone ( over the phone check ) up to {$15.00} Automated phone system up to {$15.00} Online Payment fee up to {$10.00} Autodraft fee No fee Loancare did not provided any information about mail payments or bill pay service from my bank ( for this I need a physical address where payments need to be sent, most of the time headquarters address are different that payment address and if it sent to wrong address payment will be late ). 

I would like to know if this is even legal that a company enforce customer 's to share routing number and checking account number as only way to no charging to make a payment. 

I contacted company but they stated that whatever is on the letter applies. I do not want to add {$10.00} every month to loan just to make a payment online ( phone payment are more expensive ). It is like paying {$120.00} dollars more per year so in 30 years adding {$3600.00} dollars to your loan for just one customer just to pay. This is absurd. 

Thank you for your assistance and please help consumer from over pay to this companies.
Consumer complaint received 2022-12-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (IL)

There was a delinquent XXXX debt purchased by Convergent Outsourcing. I reached out to Convergent Outsourcing via email to pay the debt, but there was no response. I subsequently reached out to XXXX to pay the debt. Prior to payment, I asked if XXXX would terminate their assignment of collection authority to the reporting debt collector ( Convergent Outsourcing ). They said they would, as soon as I paid in full. 

I paid the full amount on XXXX XXXX, 2022. XXXX week later, my credit report stated that I paid Convergent Outsourcing- the account was paid to XXXX, not Convergent Outsourcing ; therefore, the information reporting is inaccurate. 

Moreover, per XXXX, the debt was " recalled '' ( technically, terminated the assignment of collection authority. 

Today, I spoke with a representative of Convergent Outsourcing ; they refuse to honor any termination and will not remove the inaccurate reporting.
Consumer complaint received 2020-02-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

I opened an account with Wells Fargo bank a savings account and checking account i have multiple direct deposits going into each account. My problem is this every single time i attempt yo use my debit card with this company the transaction is declined i then have to step out of line ask cashier to hold my order or items while i go through the entire process of calling Wells Fargo answering a bunch of identifying w was yestiond then have to answer a slew of question about my recent transactions. Now mind you all a supposed their would have to do is listen to the teller on phone and every transaction she or he asks XXXX or her about they would just have to say yes i made this transaction do its really a stupid  procedure anyways. But the even worse part of the whole ordeal is Wells Fargo charges you for the declined charges in multiple quantities for instance i was dhopping at XXXX in XXXX and ended up swiping my debit card seven plus times each of those times i was declined even though i actually had money in my account as i just had my tax refund deposited into my account so each swipe was declined so finally i called went through the whole song and dance that Wells Fargo foes and after answering multiple questions and performing code retrieval from them texting md codes my card went through findd as XXXX but when i look onlinee XXXX in my transaction log it says i made seven purchases at XXXX for XXXX. This has to stop same thing happened with my cable payment Wells Fargo would not allow my husband to deposit cash into my account because he is not on my account he had to deposit a money order well the bank held. Y money order for twenty four hours so it never posted until after twenty four hours do each attempt to pay my ca le bill was declined then when it was finally accepted the bank charged me numerous times in my transaction log causing chaos on my account then my cable company decided to take the payment as an attempted e check and redeposited it in their account in the amount ofXXXX it is still being withheld from me i need this money back i need this constant decking my card in public and embarrassing me to death to stop all i wanted was a normal banking system not this this is torture and super embarrassing because Im declined in long lines behind me of people that just want to get home
Consumer complaint received 2023-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I had 2 collections less then XXXX XXXX XXXX removed from my credit report and my score dropped XXXX points. I called TransUnion and was told it was because of older accounts all over XXXX XXXX XXXX is why. That is a ridiculous answer in my opinion. I also was told I could not get a employee number or no way to verify who at TransUnion told this reason. That also ridiculous and not legal I believe. I am hiring an attorney to sue TransUnion do have or can you give me any recommendations as to were to look for a attorney. I also would like to if TransUnion can do what they did to my score
Consumer complaint received 2019-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (MT)

XXXX and Chase keep charging me. I quit XXXX. I mailed stuff to people and they just XXXX you and keep biling you. XXXX is a XXXX company and Chase took bail out cash. They are greedy.
Consumer complaint received 2024-02-12
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: Experian Information Solutions Inc. (NJ)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX  XXXX
Consumer complaint received 2021-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

For over 12 years now, I have summited identity theft on my credit reports, I haven't received any info. On how to solve the issues, but I am certain I know who is using my name, her name is XXXX XXXX, her maiden name is XXXX XXXX, she always was married under the name XXXX, then XXXX XXXX XXXX, I am certain this person is still continually using my identity please help me cease this person 's actions regarding my name
Consumer complaint received 2019-06-21
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (OH)

Nationstar Mortgage is the Servicing company for my XXXX VA Mortgage. The Mortgage was included in a XXXX XXXX  decree and was currently in default ; foreclosure was imminent. I had identified a buyer that would pay 100 % of the outstanding default mortgage. Nationstar required an excessive amount of time to prepare a payoff quote and when they finally did prepare one they did not provide the timelines requested. The title company was able to coordinate a closing for Friday XXXX XX/XX/2019 ; 1 day after the poorly timed Payoff Quote was good through from Nationstar. As part of the closing process, the title company included an additional 6 days of accrued interest to the required payoff amount quoted by Nationstar in the wire which was sent on XXXX XX/XX/2019. 

Nationstar refused to accept the payoff amount. Due to their abusive and predatory practices, they delayed review and acceptance of the wire which contained a full payoff amount and now require an additional payment of more than {$1000.00}. This unconscionable display of delay in processing amounts to an observed posture of predatory fee collection on service members and veterans attempting to rectify a prior history of financial difficulty. In addition, the new owners attempting to invest in their community and the property they recently purchased are now exposed to unnecessary risk. 
As of today, Nationstar continues to maintain their position as correct and we are required to start from the very beginning of the process again, more than a month after initially reaching out to them ; about a month after closing had occurred. Appropriate payment sent by our title agency was never accepted by Nationstar and they sent the funding back ; they appear to either be grossly negligent or purposefully predatory to mortgage holders attempting to appropriately manage their financial situation.
Consumer complaint received 2019-06-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: United Debt Counselors, LLC (CA)

XXXX sent me a misleading solicitation letter. It was designed to give me the impression that I would be subject to interest accruing on my credit card debt at an unreasonable rate, and, in addition, penalties. The letter insinuated that this was due to **Failure to Call**
Consumer complaint received 2019-06-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (FL)

On XX/XX/XXXX XXXX XXXX XXXX XXXX was set up by my then husband for during my Life-Time, till upon my death. Then the Trust would be divided equally into 3 Charities. 

On XX/XX/XXXX I had received a letter from the Assistant Vice President, Fiduciary Advisor stating the Life Time Trust on XX/XX/XXXX terminate/exhaust with a partial payment at the end of the month. This giving me not much more than 6 months to find out how and what has happened during the years that the Trust was handled for again this was a Life Time Trust. 

The PNC XXXX XXXX handle the XXXX. I have called numerous XXXX, XXXX, sent letters to XXXX, XXXX and Government agencies, waiting as of this moment for replies back for guidance to handle this situation. 

Also I had contacted PNC Asset Management nothing had or makes since. Called one of the Charities with no answers. At this point after a few calls now if I would like I was asked if I would like to speak to their attorney. 

PNC has opened a Irrevocable XXXX XXXX XXXX without my knowledge or consent the effective date of the statement on my personal account it was XX/XX/XXXX. Since then month after month statements keep appearing on my Personal Banking Account. How can anyone open a account without your knowledge, then keep adding statements of past years. 

Each month since the letter from XX/XX/XXXX that the Trust will exhaust in XX/XX/XXXX I have been receiving statements in the mail as well of how the funds are invested and the balance of the account. 

During the past 20 years I have not received one statement, no communication From PNC stating any transactions or that the Trust would exhaust. There were no communication at all. The only paperwork that I did receive was the XXXX end of the year form and the Remittance Form of Deposit of the monthly income. 

I have been trying to resolve this issue. I am seeking guidance in this matter if possible. This is my life income and now somehow it is gone.
Consumer complaint received 2021-06-11
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. (NY)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to XXXX you caused me.
Consumer complaint received 2019-06-21
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. (IN)

I SENT IN A POLICE REPORT TO THE CREDIT BUREAUS IN REGARDS TO AN IDENTITY THEFT THAT OCCURRED ON MY CREDIT FILE. XXXX, XXXX, AND TRANSUNION HAD DELETED IT FROM MY CREDIT FILE, BUT THEN, TRANSUNION PUT IT BACK ON MY FILE AND SAID THEY WOULD NOT BLOCK IT. THEY SENT A LETTER SAYING IT WAS VERIFIED, I ASK THEM TO SEND ME A CONTRACT WITH MY SIGNATURE ON IT, AND THEY NEVER DID. I ASKED THEM HOW CAN THEY VERIFY THIS ACCOUNT AS MINE AND XXXX AND XXXX COULD NOT. I WROTE A SWORN AFFIDAVIT STATING THAT WAS NOT MY ACCOUNT AND THEY HAVE IGNORED ME. WITH ALL THE IDENTITY THEFT THAT GOES ON, AS WELL AS THE DATA BREACH THESE CREDIT BUREAUS, PUT THE CONSUMERS THRU, THEY SHOULD UNDERSTAND INSTEAD OF JUST TRYING TO MAKE MONEY OFF OF THE CONSUMERS.
Consumer complaint received 2019-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

I am writing to request that the extended fraud alerts and security freezes be removed from my credit reports. I am trying to see if I am eligible to receive financial for a emergency medical procedure. Having the above mentioned placed on my credit reports has been a major inconvenience. Can you please removed it as soon as possible. Thank you.
Consumer complaint received 2019-06-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (OH)

I am working with an independent Mortgage Broker that I have known for years. I am applying for a new mortgage as i am moving for a new job. I received phishing phone call from AmeriSave. They contacted me stating they received word from the credit bureau that they needed to obtain my SS # and other personal information to issue a pre-qualification. I verified from my broker that this is not legitimate. I spoke with " XXXX '' at Amerisave and her phone number is XXXX. 
The mortgage broker indicated that credit bureaus are selling information to lenders to go after business. The issue is that they are deceptive in their tactics, making you think that it is part of the process for the loan in which you are applying, and it is not.
Consumer complaint received 2019-06-21
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. (IL)

I need help to dispute this item XXXX. XXXX {$110.00} that's on my credit report every time i attempt to dispute this item over the phone with Equifax they make it very difficult for me to do so, i do not recall this item and will like information such as a sign document or original contract
Consumer complaint received 2019-04-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NJ)

Carrington Mortgage Services has employed accounting practices that maximize the interest accrued on my mortgage rather than paying down my principal. I intentionally pay extra every month in order to minimize the interest I am paying, but Carrington 's policies and practices will not allow this by default. 

This mortgage was originated in XX/XX/XXXX and has always been current and in good standing. 

Details : Carrington Mortgage Services purchased my mortgage from XXXX on XX/XX/XXXX. Since then I have made 3 payments of {$3000.00} each on XX/XX/XXXX ( due XX/XX/XXXX ), XX/XX/XXXX ( due XXXX   XXXX ), and XXXX XXXX ( due XX/XX/XXXX ). Each of the {$3000.00} payments sent to Carrington included ~ {$1100.00} excess funds which should have been applied to my principal when each of the payments were received.

However, Carrington did not apply the funds as expected. 
( 1 ) for the XX/XX/XXXX payment, Carrington applied the funds as expected with excess payments being applied to principal. However, this payment was reversed and reapplied on XX/XX/XXXX with the excess payment ( {$1100.00} ) being swept into " unapplied funds ''. Carrington only applied the MINIMUM payment to my principal for the bill due XX/XX/XXXX. 
( 2 ) for the XX/XX/XXXX payment, Carrington also only applied the MINIMUM payment to my principal for the bill due XX/XX/XXXX. The excess payment ( ~ {$1100.00} ) was swept into " unapplied funds ''. OnXX/XX/XXXX, the balance in " unapplied funds '' was then used to pay the mortgage bill due XX/XX/XXXX. Again, the MINIMUM payment to principal was made. 
( 3 ) for the XX/XX/XXXXpayment, Carrington swept the entire payment to " unapplied funds ''.

Under my former lender, my principal decreased by ~ {$1200.00} per month but under Carringto
n they are only allowing my principal to decrease by {$450.00} per month. 

I have called Carrington weekly to try and understand the situation. Carrington has been able to explain their practices, which are the root cause of this problem. The only solution that Carrington has to offer is to watch the account and then call them if I do not agree with how they have applied my payments. 

It is clear that Carrington is applying my payments in a manner to maximize the interest accruing on the account while leaving my extra payments in a non-interest-bearing " unapplied funds '' sub-account. Basically, I get no value from sending extra principal payments and they get all reward.
Consumer complaint received 2023-06-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (UT)

My recent mortgage servicing was transferred to Select Servicing Portfolio ( SPS ). I went in and registered for an online account. When I went to make my first payment it AUTOMATICALLY included a {$15.00} processing fee. I followed up with SPS over the phone who informed me that the ONLY way to avoid a servicing fee is to set up automatic payments ( which I do not want to do ) or pay through my billpay on my online banking account. How can it be legal for them to charge me fees to make my mortgage payment?