davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (MS)

Original loan in XX/XX/XXXXwith bank XXXX XXXX, sold to secondary servicers, from XX/XX/XXXX until the other servicers went under and XXXX XXXX XXXX brought all their loans. In XX/XX/XXXXXXXX sold my loan to XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX to XX/XX/XXXX.
Then Ditech XX/XX/XXXXtoXX/XX/XXXX. Now another servicer ( XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX currently. I have had only two modifications : one in XX/XX/XXXX and then one just recently XX/XX/XXXX. Now they have sold my loan to another servicer. One thing that I discovered when I had my last modification, was that XXXX still owned the mortgage ( ditech ). Just recently, I received a email stating that I sent a letter to request to pay my own escrow? I have never given anyone nor have I sent a letter to request to pay my own escrow. Question, why are they doing this and do I have any recourse to stop the continuous selling of my loan? Attached you will find supporting documentation.
Consumer complaint received 2022-05-05
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. (AL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-05-05
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: PNC Bank N.A. (IL)

I submitted a complaint to PNC Bank , National Association through my states attorney generals office around XXXX of XXXX. PNC Bank , National Association responded to my complaint 3 months later. With that being said PNC Bank violated section 1022.43 ( e ) ( 3 ). I have record that PNC Bank received my identity theft packet around XX/XX/2021. PNC Bank did not notify XXXX and have the information deleted from my credit report that is the result of identity theft. I am demanding PNC Bank notify XXXX immediately to have the information deleted due to the violation of the regulation referenced above.
Consumer complaint received 2022-05-05
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. (CA)

in accordance with the fair credit reporter act XXXX acct # XXXX XXXX XXXX has violated my rights 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 states a consumer reporting agency can not furnish your account without my written instructions
Consumer complaint received 2022-05-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (FL)

I am an attorney and have worked with consumers in foreclosure for more than 20 years. I took out a covid forbearance with Suntrust in XXXX. I tried desperately to get out of the forebearance begining in summer XXXX. Suntrust made it nearly impossible for me to get out of the forbearance. It was absolutely, crystal clear that Suntrust had scripts or talking points that induced or forced people to stay in forbearance. It took me month after month and dozens of phone calls before I could finally get out of forbearance and start making my payment. Here is an example of the dialog : Me : " I want out of forebearnce '', Suntrust : " I'm sorry sir, you can't get out of forebearance because your account isn't current. '' Me : " How is my account not current if I'm in forebearance? '' Suntrust : " It's the escrow that isn't current. '' Me : " Just tell me what I need to pay no, so I can get current and get out of forebearance. '' Suntrust : " We can not calculate that amount. '' Finally, after months, I get out of forebearance. I try to start making my regular monthly payments, but Suntrust can not tell me what my monthly payment is because they can not calculate what the escrow is. I ask to pay more in order to just keep my monthly payment current. 
Critically, during the entire period I'm in forebearance Suntrust has disabled my online account access so I can not see anything. Fast forward to XXXX, i get service transferred to Truist. It takes me God knows how many phone calls and hours on the phone with Truist to finally get autopay set back up so i can start making my payments again regularly and they start taking payments. Now on XX/XX/XXXX I get a letter, dated XX/XX/XXXX that states, " Recurring payments have been deleted from your loan as of the date of this letter. '' I can not login into my account and make a payment.I 've been on the phone now with Truist for 45 minutes and transferred around multiple times, but noone can figure out why my automatic payments have been deleted, and why my account has been disabled. I RECEIVED NO PRIOR NOTICE THAT AUTO PAYMENTS HAD BEEN " DELETED '' AND NO NOTICE THAT MY ACCOUNT HAD GONE MORE THAN 30 DAYS DELINQUENT.
Consumer complaint received 2021-08-26
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NY)

Step 1 : What is this complaint about?

This complaint is about an interest fee charged after I paid my account balance in full.

Step 2 : What type of problem are you having?

The company charged me an interest fee on a zero balance. Then sent me a bill with the interest fee to be paid.

Step 3 : What happened?

I contacted them, and spoke to customer service and to a manager, and they both refused to remove the interest fee charge, and told me that I paid the bill off too early, and the fee still applies, so next time pay the bill on the billing date.

Step 4 : What company is this complaint about? 
Victoria Secret Store card.

Step 5 : Who are you submitting this complaint for?

Myself.
Consumer complaint received 2022-05-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (TX)

On XX/XX/2019, I had let the auto insurance cancel that I had with XXXX XXXX, since I had signed up with XXXX XXXX. When I spoke to them they informed that they insured me for 10 days after the XXXX, which i never requested, i was told that they do that as the contract allows them to. I asked them to send me the contract and circle where it gives them that right, they send the original document however where not able to show the clause that allows them to cover me once the policy expires on the date of payment. they continue to refuse to remove the amount they say i owe and have no sent it to a collection agency. They are now under XXXX XXXX and are showing to be XXXX XXXX XXXX.
Consumer complaint received 2022-05-05
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: OLD NATIONAL BANCORP (IN)

My XXXX XXXX traded in my vehicle and used my money to put a XXXX XXXX in his name only. He did not have my permission to do this. 
I am XXXX XXXX XXXX but Old National protecting just his interest ... Refuses to allow me to continue to pay on my primary vehicle. 
He has his own primary vehicle. 
I feel they are discriminating against me I have questioned State Attorney General and many financial institutions and informed me.. 
That although I was not added to the loan I should be able to continue to make the payments until I can get a court hearing to show that either one the vehicle should have been my vehicle and in my name. 
Or to be refunded for the vehicle and the cash that was placed for the vehicle.. 
I have been making the payments on this vehicle the whole time when it left a lot the insurance was in my name I have shown proof of the vehicle that was traded in I had just had it registered and still had the stickers on the registration. 
Included my bank statements which show the {$10000.00} withdrawal on XX/XX/XXXX because I originally was going to buy and XXXX from another dealership however that XXXX had maintenance issues and was waiting for parts and it was taking too long. 
While I was at the dealership when XXXX put this only in his name I was not aware that that's what was taking place as I was on the phone dealing with my employer and taking care of a XXXX  that was in need. 
This is not the only financial scam that XXXX XXXX has taken advantage of with myself and my children and I have a XXXX  pending against him in the meantime Old National has refused to allow payments to be made on the vehicle.. 
Have refused to hear or receive the copies of the contracts XXXX XXXX gave to me and signed.
Consumer complaint received 2019-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Diversified Consultants, Inc. (CA)

I have identified information in my credit file that is inaccurate. The findings are inaccurate from Diversified Consultants for a XXXX XXXX XXXX account. The balance was originated in XX/XX/2017 and paid in full in XX/XX/2017. I never received a collection notice from the above named Agency. I spoke only with the XXXX XXXX XXXX representatives. This is the sole reason that I am disputing this inaccurate information reported against my credit as being negative, it has adversely affected my credit which has been denied in the last 60 days. I request that the inaccurate report put on my file be corrected or deleted inaccurate, incomplete or unverifiable information. This is my right as a consumer.
Consumer complaint received 2017-09-08
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. (CA)

I filed a complaint against Equifax many times regarding negative credit reporting that has surpassed the seven year retention term for negative account history. You have destroyed our credit for 10 years. The loan we co-signed for was reported to the other two agencies in XX/XX/XXXXand XX/XX/XXXX. You have a report date of XX/XX/XXXX which is absolutely incorrect and this is a con either by Equifax or XXXX XXXX XXXX XXXX.
We have and continue to suffer punitive damages as we are elderly and have been turned down for a home refinance loan due to this negative credit report. We have requested proof and been ignored and we are asking for notarized information regarding the XX/XX/XXXXdate you have on file for us and all back credit reports from XX/XX/XXXX through XX/XX/XXXX. Who contacted you in XX/XX/XXXX, from what agency and where is the proof of this incorrect reporting.
Why is it you think you have the right to take 60 days to provide the information that is having a major impact on my life when you have already created this serious financial burden to continue incorrectly??
Consumer complaint received 2019-11-18
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. (NY)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY IN ONE CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

O/A XXXX XXXX through XXXX XXXX I have attempted to fix erroneous information being reported on my credit reports on credit accounts that have been discharged through XXXX  XXXX bankruptcy. Most of the agencies have cooperated in getting the accounts in closed status and showing XXXX  XXXX Bankruptcy Discharged. However, they have not removed past delinquent payment dates which has a direct effect on my credit score. The purpose of a bankruptcy is to remove all past derogatory information so a US Citizen can start with a clean slate and start re-building their credit. I believe that the credit reporting agencies are allowing creditors to willful and negligent noncompliance of the FCRA 15 USC 1681c and 1681o and noncompliance of current US bankruptcy laws.
Consumer complaint received 2022-05-05
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: JPMORGAN CHASE & CO. (CA)

This was not sent in error. I am a consumer by law and my information was misused and now I have false not 100 % accurate accounts on my credit report. You keep on reporting me late on this following account under JPMCB AUTO 30 days late in XX/XX/2015 You have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, you must remove this negative information and update it to paid or paying as agreed! This is clearly a discrepancy that you are still reporting up until now! Make sure that you will update this as never late!!
Consumer complaint received 2024-05-07
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. (GA)

I noticed on my credit report recently that a collection account was placed on my reports from a company trying to collect a debt for XXXX XXXX XXXX supposedly. I have not heard anything from the company or received any notification from them saying the account had been placed with them. I have no idea how to contact them or even try to pay them. I tried disputing with XXXX and TransUnion saying I had no information about this company but both disputes resulted in them keeping it on my credit report. What should I do to even find out who this company is?
Consumer complaint received 2024-01-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (FL)

On XX/XX/XXXX, NewRez purchased a forced place insurance policy for the home collateralizing my mortgage. NewRez had the wrong address in its system for this home, which is amazing considering it's their their collateral for this loan. The address is correct in all the source documents. NewRez just never bothered to read them or double check their data entry,. Although my contact preferences are set to email, NewRez didn't email me, and they mailed their notice about forced place insurance to the wrong address. Consequently, I never received any notices about their intent to purchase forced place insurance because NewRez incorrectly my homeowners insurance had expired. 

A simple review of my file would've determined that forced place insurance wasn't necessary. XXXX, the mortgage servicer that transferred my loan to NewRez, paid to renew my policy in XX/XX/XXXX. I attached a copy of the policy as well as a copy of my XXXX from XXXX showing XXXX paid for an insurance policy in XXXX. 

I began contacting NewRez on XX/XX/XXXX. I've called 4 times enduring long waits while NewRez employees research the file. I've also opened 6 chat sessions, and my insurance agent has called 3 times. I've spoken to XXXX XXXX, XXXX XXXX, XXXX. XXXX, and XXXX XXXX among others. All of the people named have said the forced place insurance is being removed. However, it's XX/XX/XXXX, and the forced place insurance is still in effect. 

Although this can't be substantiated without reviewing company records, it feels like NewRez is pursuing an aggressive strategy of purchasing forced place insurance for loans that don't need it, and hoping borrowers either don't notice or give up after making it difficult to cancel. I strong urge CFPB to investigate NewRez 's use of forced place insurance.
Consumer complaint received 2023-08-17
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: FIRST CITIZENS BANCSHARES, INC. (CA)

On or about XX/XX/23 at XXXX am, I was notified by XXXX that CIT Bank made an attempt to access my XXXX credit report. The attempt failed because I keep my XXXX credit report frozen. 

I attempted to contact CIT Bank and they state they never made any attempt to pull my credit report. They suggested I contact XXXX XXXX XXXX. I contacted XXXX XXXX XXXX  and they also stated they never attempted to pull my XXXX credit report. 

XXXX CIT Bank and / or XXXX XXXX XXXX  are lying. XXXX told me that there is no doubt whatsoever that an inquiry from CIT Bank was attempted. 

Since I never applied for credit from either CIT Bank or XXXX XXXX XXXX  and I never gave them permission to pull my credit report, they acted illegally and attempted to access my credit report without permissible purpose, in violation of the FCRA. The fact that they lie and claim never to have attempted to access my credit file makes it even worse.
Consumer complaint received 2018-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BB&T CORPORATION (CT)

I leased a XXXX XXXX in XX/XX/XXXX at XXXX XXXX XXXX with XXXX XXXX as the loan company. Payments were made on time and did not have any issues with them for the duration of the lease. I decided to upgrade my vehicle in XX/XX/XXXX with XXXX XXXX XXXX because they offered to pay over mileage, the 2 remaining payments and the disposition fee which totaled {$1800.00}. XXXX had someone come to pick up the rouge about a week later. In XXXX I received a bill for {$1000.00}. I called and spoke to a representative to let them know I was responsible for {$580.00} which was the car tax that I know I owed to them. Also, that there was no way there was {$480.00} worth of damage on the vehicle as there was only minor wear and tear. The representative tried to offer me a discounted rate of {$820.00} which I declined because I did not owe them that much money. In XXXX I found out that the payment that the dealer sent was misapplied and they would not apply it correctly. I then reached out to the better business bureau because I was being treated unfairly. I realized that XXXX XXXX is known for overcharging and treating customer horribly at the end of their leases. The car dealership even told me they stopped doing business with them because there is always end of lease issues with XXXX and it has caused them to lose customers. I was dealing with the better business bureau to try to get this situation handled and i noticed that XXXX started reporting me late on my lease even though i have always paid my lease on time. The lease was up in XXXX and they reported me as late in XXXX, XXXX and XXXX and my credit took a 50 point dip. Working the the XXXX a XXXX representative offered a settlement of {$200.00} and if I paid it that the negative items would be removed from my credit report. So, even though i did not feel that I owed them that much money I paid it so that my credit could be restored. About a month later I noticed my credit score had not changed, so I emailed the representative to ask her when the negative items would be taken off my credit report and found out that they cashed the check but had not applied the payment. They then applied the payment to my account and my file was updated not paid in full and still had collections on it. I disputed the file about 4 times and not it shows that i have 2 accounts with XXXX, one that shows that the lease was paid on time from XX/XX/XXXX-XX/XX/XXXX and another that shows paid, was a charge off and is negative XXXX, XXXX and XXXX. So my credit is still jacked up and XXXX did not live up to their part of the deal.