davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-15
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I was appointed as Guardian of my father, XXXX, on XX/XX/XXXX. Subsequently, his property was deposited in eight ( 8 ) bank accounts, including a Bank of America account. The account is titled, MY NAME, Guardian of XXXX Joint w/ Guardianship Clerk XXXX County . My father, XXXX  died on XX/XX/XXXX. Thereafter, my attorneys, XXXX & XXXX, filed a Petition on my behalf in the XXXX County Surrogate 's Court, and on XX/XX/XXXX, I was appointed as Administrator of my father 's Estate. As fiduciary, I have proceeded to close seven ( 7 ) of the Guardianship accounts, with the exception of the Bank of America account. The branch manager has been totally incompetent. At first I was told I could go to any branch with the appropriate documents and close out the account. Then I was told that I had to come to her branch. After going to her branch, she once again refused to close out the account. At my insistence, she finally reached out to her legal department and she was informed that I needed documentation from the Guardianship Clerk. That information is totally incorrect. Once my father passed away, it was out of the hands of the Guardianship Clerk, and it was necessary for me to file my Petition for Administration of his Estate with the Surrogate 's Court.
Consumer complaint received 2022-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (CO)

I have a Barclays Uber Mastercard. The card expired and I received a new card and did not activate it. I received a very rude call on XX/XX/XXXX that I owed {$700.00} + on the card for uber rides. I went into the system and indeed someone had stolen my card and gone on many trips. The card was expired and also I had the new one and had not activated it so I was not watching the charges. I spoke with Barclays and they assured me they would go through fraud with them. I made a {$71.00} payment to not go to collections as i was in the middle of getting a mortgage and needed to make sure my credit wasn't hurt but this. 
I received letters from Barclays showing that I was not responsible for these charges and they would credit my account. 
Today, I received an email that a payment was due. I went into my account and I still owe for all these charges. What is strange is every charge has a negative below it but they are not crediting me for this. I have wasted XXXX hours on the phone with Barclays, from time to time they disconnect from me and I have to call back. I believe they are not acting in good faith as I have said I want to cancel my card when this is all resolved.
Consumer complaint received 2023-03-22
Product: Payday loan, title loan, or personal loan — Pawn loan
Issue: Property was damaged or destroyed property — 
Company: Sunset Management, Inc (GA)

XX/XX/XXXX loan company kept calling me back to back to back and then kept showing up at my house threatening to have me put in jail now months later XX/XX/XXXX there calling again 24/7 leaving me msgs saying call today or we take further action I told them when my car blew up and XXXX said what am I suppose to do with a blew motor and wouldn't come get it I'm sick of being harassed
Consumer complaint received 2018-08-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

My business was with XXXX XXXX company and XXXX XXXX. i was refinancing my mortgage from XXXX to XXXX XXXX. After the process was finished 3 months later i received a letter from a company called XXXX XXXX XXXX ( SPS ). i have no idea who they are and why they were sending me a letter stating that the pay off for the refinance was short and i now owe them $ XXXX.i disregarded their letter as i had no idea who they were and my business was not with them. after receiving another letter from them my wife called them and questioned them about the letter and their responds was you owe us. Me and my wife ignored their letters as i said my business was not with them.after receiving a letter from them every month with the amount of money owed escalloping and almost 2 years of harassment i hired a lawyer to get to the bottom of this matter. As time mounted this company SPS put me and my wife on as non payment at the credit Bureau. My wife and i have looked this company up and read many complaints about them. Obviously after my attorney contacted them they have settled and i did not have to pay them a penny owed. But now they have damaged my credit with the credit bureau for the next 7 years with their report to the credit bureau. i want this company to remove their complaint about me and my wife to the credit bureau. Select Portfolio Servicing. Account number XXXX. XXXX XXXX & XXXX XXXX
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-12-16
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)

I figured out in my credit report inquiries that I have never authorized. I do not recognize any of them. This is illegal and highly detrimental to my credit rating. I know that sometimes companies without any authorization and permission pulling credit profile. Well, by this message I would like to let you know that I do not recognize these inquiries and I have never gave any permission to any company to do something like this. So please remove all of them as I can not move on in my life when I have unknown information in my credit report.
Consumer complaint received 2018-08-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MO)

On XX/XX/2018 I wrote to XXXX XXXX to ask how to ensure that if I were to make additional payments to my accounts that they would be applied to my principal balance and not to my upcoming payments. They responded they traditionally do apply additional payments to upcoming payments and put students in a " paid ahead '' status. I responded that I wanted to opt-out of paid ahead status and to have my additional payments be directly applied to my principal balance. Then I asked how I could ensure my payments were being applied directly to my principal balance and not towards future payments. 
On XX/XX/2018 I was told my account was beginning the process of being removed from paid ahead status and to allow 10 business days for the request to be completed. On XX/XX/2018, after paying more than {$2000.00} towards my account beyond my minimum payment I checked my account and found that I was in " paid ahead '' status. I once again emailed XXXX XXXX and told them the issue and that I not only wanted to be removed from paid ahead status but that I never received an answer as to how to ensure that I would be removed from paid ahead status. I also asked if there were any penalties for paying off my student loans early. 
In response on XX/XX/2018 I received an email stating that XXXX XXXX  was unable to verify my account based on the information provided. I have attached the email chain for reference. Currently, I do not see any indication from XXXX XXXX that I was removed from paid ahead status or that the amount that should have been directly applied to my principal but was instead applied to future payments, has been properly allocated to my principal balance. I also have not received any answer to if there are penalties for paying off student loans early. 
I emailed them back that day letting them know of the discrepancies and that I would be filing a formal complaint.
Consumer complaint received 2018-08-15
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (AR)

This will be the 3rd complaint I've had with Wells Fargo. My question and concern with the preservation department is that ive had well over 6 or 7 reps working on my case and as a consumer i'm lost on whose working my case and whose not??? Everytime I give them the documents they request they keep on adding documents they need to re-modify my loan therefore making this process go on for nearly 7 months now. I believe whoever is the head of the underwriting department needs to be aware of this. I provided back XXXX all the information wells fargo was requesting, then like 3 weeks later they ask for a tone of different more documents, strictly just calling me a liar that I don't live at XXXX XXXX XXXX, that all my mail goes to 3 carriage cove where I used to live that is correct because I still have furniture at that residence that I haven't picked up so I come every week to 3 carriage cove to pick up my mail I've already provided Wells Fargo a proof of occupancy from XXXX XXXX XXXX, pay stubs, income tax return etc ... I believe as a consumer i'm being descrimated against and being called a liar, which is highly illegal in the banking industry. I wouldn't be this concerned if I didn't care about keeping my property!!!!!!!!!!!!!
Consumer complaint received 2018-08-15
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)

denied credit .found experian had placed a fraud alert on my report illegally & in error.this was not requested by me or any one else, no company or bank. 
experian without my knowledge placed tis on my report & refuse to remove it unless i send them a letter & two forms of identification by mail. 
i absolutely resent this demand of what time i have left to live. 
im a elderly XXXX veteran & im very saddened by this cold hearted treatment.this was their mistake.no one else.yet im being held responsible for getting corrected.
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

Im just mailing you to let you know, respectfully, that you are incorrectly reporting some information on my credit report. Im pretty frustrating to be honest, but I know that mistakes happen. I trust youll fix the situation. Heres the wrong info : XXXX. XXXX XXXX XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME
Consumer complaint received 2018-08-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (MD)

I paid off my loans with checks that were provided to me through my title company when I refinanced my home. The checks were sent to the address listed on their website for borrowers, XXXX XXXX XXXXXXXX, XXXX, PA XXXX on XX/XX/XXXX, via the USPS. The checks were received and cashed by XX/XX/2018 yet had not been credited to my accounts as of XX/XX/2018. I contacted Navient and asked what was needed to prove payoffs were made. The customer rep stated I would need to provide copy of cancelled checks. I then contacted my title company and they in turn sent me copies of all 6 checks, front and back showing the checks had indeed been cashed. I uploaded the images to Navients website the same day I received them which was XX/XX/2018. I waited 2 days and when I did not see them uploaded. I contacted customer service and was told I had sent them to an incorrect address. I was also told that any overages would be returned ( and I quote ) to XXXX XXXX XXXXXXXX. at that point, I was so frustrated, that I asked to speak with a supervisor. I was told that a supervisor would tell me the same thing. I had to ask 4 times to speak with a supervisor before finally being put on hold. At which point I thought a supervisor would pick up the line. NO, the same rep kept returning and giving excuses as to why the supervisor was not picking up. After about 20 minutes on hold, I finally hung up and called back. I got a very pleasant rep that explained what the policy was and it could take up to 10 business days to complete the process. My main complaint is I am concerned that the policies and tactics this company uses, will in turn cost me more money and my loans will not be paid in full when they have had my money since XX/XX/2018.
Consumer complaint received 2018-08-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

I opened escrow with PennyMAC XX/XX/18 for a refinance loan on my home in California. Their loan department and underwriting team failed to deliver services in a timely manner. Escrow was suppose to close on XX/XX/18, but the loan XXXX dropped the ball on handling my documents. There locked rate expired on XX/XX/18. No one communicated with me whether the documents were submitted for an extension of the lock rate was submitted. The underwriting department complained I had a 6 month gap of employment because of a sabbatical I took to finish my XXXX XXXX. The communication between PennyMac loan department and consumers was horrible. No one returned calls that were made the week of XXXX XXXX. I ask to speak to a supervisor, but never received a call until XX/XX/18, a week later. XXXX the sales manger called me yesterday to go over the details of my loan. He was poorly prepared for the conversation and said I did not have enough income for the loan to be funded. I stated do yo have the right file, because I make over {$200000.00} a year and my debt to ration is only 29.5 %. I feel something is very wrong with how this loan was handled. No written communication was given to me and no resolution was made thus far.
Consumer complaint received 2018-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I called the XXXX phone number about section 611 when all of my inquiries were removed and then put back on later but I never received the letter I should have received within 5 days at all.the person I spoke with was totally rude and uncooperative with me.this is totally unacceptable of a person in his line of work. 
the inquires are as followes. 
1. XXXX XXXX 3 times XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 2. XXXX XX/XX/XXXX 3. XXXX  XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XX/XX/XXXX6. XXXX XXXX XX/XX/XXXX 7. XXXX XX/XX/XXXX 8. XXXX XX/XX/XXXX 9. XXXX   XX/XX/XXXX 10. XXXX XX/XX/XXXX 11. XXXX XXXX XX/XX/XXXX 12. XXXX XXXX   XX/XX/XXXX 13. XXXX XXXX XX/XX/XXXX14. XXXX XX/XX/XXXX 15. XXXX XXXX XX/XX/XXXX 16. XXXX XXXXXX/XX/XXXX 17. XXXX XX/XX/XXXX 18. XXXX XX/XX/XXXX 19. XXXX XX/XX/XXXX 20. XXXX XX/XX/XXXX 21. XXXX XX/XX/XXXX 22.XXXX XXXX XX/XX/XXXX 23.XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-07-04
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. (NY)

i am resubmitting this CFPB attach my medical bill you told me you rejected my complaint please reconsider my dispute since you have told me to resubmit everything
Consumer complaint received 2018-08-15
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. (IL)

On XX/XX/2018 I sent notices to ALL 3 credit reporting agencies advise that I am a victim of identity theft. I request that a alert be please on my credit, fraudulent address and that all the account relates to my identity theft be removed from my credit report. I provide a police an affidavit and a list of fraudulent account with dates and details. I also sent this information to the creditor listed on my report. As of today only one account has been removed. I have exhausted all options at this point. This situation has already been tough enough, as a feel extremely victimized, but now to have to fight to have items that do not belong to me removed is a bit ridiculously. 
The credit reporting agency sent me back letter stating that the account are verified, Im constantly stressed to know someone has and currently is using my personal information. 

The accounts are listed on the attach police report
Consumer complaint received 2018-08-15
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. (IL)

On XX/XX/2018 I sent notices to ALL 3 credit reporting agencies advise that I am a victim of identity theft. I request that a alert be please on my credit, fraudulent address and that all the account relates to my identity theft be removed from my credit report. I provide a police an affidavit and a list of fraudulent account with dates and details. I also sent this information to the creditor listed on my report. As of today only one account has been removed. I have exhausted all options at this point. This situation has already been tough enough, as a feel extremely victimized, but now to have to fight to have items that do not belong to me removed is a bit ridiculously.

The credit reporting agency sent me back letter stating that the account are verified, Im constantly stressed to know someone has and currently is using my personal information.

The accounts are listed on the attach police report
Consumer complaint received 2018-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: SUNTRUST BANKS, INC. (KY)

My SunTrust checking account has declined overdraft protection. One item overdrew my account several weeks ago. Since then, instead of declining transaction as agreed, SunTrust has continued to approve them - often under {$10.00} - in order to charge me a {$36.00} overdraft fee for each instance. There are now hundreds of dollars in overdraft fees on the account for transactions that should never have been approved in the first place.
Consumer complaint received 2018-08-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (VA)

On XX/XX/XXXX, our mortgage was transferred from XXXX  to Specialized Loan Servicing ( SLS ). On XX/XX/XXXX, XXXX had executed a HAMP modification on our mortgage, adding to the principal balance {$23000.00} of deferred interest. Since the modification, XXXX correctly applied our principal payments towards the deferred interest as shown in the enclosed XX/XX/XXXX andXX/XX/XXXX XXXX Tax Statements : {$3000.00} in XX/XX/XXXX and {$6500.00} in XX/XX/XXXX leaving a deferred interest balance of {$13000.00}. SLS erroneously did not apply ourXX/XX/XXXX principal payments towards the deferred interest balance as shown in the XX/XX/XXXX SLS Tax Statement and form XXXX.

To alert them of the error on the XX/XX/XXXX SLS Form XXXX, we contacted SLS several times by phone in XX/XX/XXXX and XX/XX/XXXX and then provided SLS with copies of the XX/XX/XXXX XXXX  Tax Statements by fax on XX/XX/XXXX and by email on XX/XX/XXXX. After multiple follow-up calls, we received a written response from SLS on XX/XX/XXXX : " We have researched your account, and our records indicate that the tax reporting described in your dispute was not in error. '' We contacted XXXX XXXX about this on XX/XX/XXXX and they opened a case with SLS. After multiple follow-ups by XXXX XXXX, we received a written response on XX/XX/XXXX from SLS falsely stating " As our records do not indicate a current deferred interest amount, we are unable to determine any necessary updates to the Form XXXX  for tax year XX/XX/XXXX ''. Enclosed in their response was a copy of theXX/XX/XXXX XXXX Tax Statement which clearly shows in capital letters the " DEFERRED INTEREST ( ADDED TO PRINCIPAL BALANCE ) '' for {$23000.00} as well as the " PAYMENTS APPLIED TO PREVIOUSLY DEFERRED INTEREST '' for {$3000.00} in XX/XX/XXXX and {$6500.00} in the XX/XX/XXXX XXXX Tax Statement.

In spite of the false denial by SLS, our account does have a deferred interest balance of {$13000.00} : {$23000.00} of deferred interest added to principal in XX/XX/XXXX minus {$3000.00} and {$6500.00} of payments applied to previously deferred interest in XX/XX/XXXX and XX/XX/XXXX respectively as shown in the Tax Statements of XXXX, the previous servicer of our mortgage.

A fair resolution will be for SLS to apply our principal payments to previously deferred interest until the current deferred interest balance of {$13000.00} is exhausted and report it accordingly on Form XXXX since XX/XX/XXXX when SLS took over our mortgage.

Thank you very much for your help with this matter.
Consumer complaint received 2018-08-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (FL)

Equifax has received from my lawyer 2 police reports with official letters. They did receive it 2 times in 7 months. 

Police reports # XXXX XXXX and XXXX has remove the collection : The Bureaus from my reports because the polcie reports clearly state that I was victim of Identity theft. 

Equifax don't remove it and everytime we try with my lawyer to contact them they don't care and don't respect the law. 

I need EQUIFAX to remove immediately the false information that they are using on my credit reports by removing THE BUREAUS COLLECTION.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.