davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-29
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. (CO)

I have multiple issues with a XXXX XXXX credit card account XXXX ( I do not see anywhere else on this form to add my account number, so I'm doing it here. First issue, I don't remember opening this account. The account name is for XXXX XXXX and I'm XXXX XXXX. I'm getting correspondence by mail stating that I have to pay or I'll be taken to court. I started paying on the account because I'm unsure of what to do. I tried disputing several times with no luck. Second issue is the account is showing charge-off on my account and every month is showing a charge-off status dinging my account each month for over a year now. There is also a balance showing for this charged-off account. This is doing damage to my credit every month. I've sent for a letter of validation and I'm just told it's verified and I owe it. They can not produce a signed document with my name on it.
Consumer complaint received 2019-04-05
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (KS)

The company sent me a threatening email on XX/XX/2019. The debt is over 5 yrs. old and quite frankly, I'm not even sure if I owe this money.
Consumer complaint received 2018-04-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Creditor Advocates Inc (MN)

I pulled a copy of my credit report at the end of XX/XX/2018. On my XXXX credit report was an account listed from Creditor Advocates that they purchased or were attempting to collect for XXXX XXXX XXXX. As I was not aware of any outstanding medical bills I did not believe that it was actually mine. I proceeded to send Creditor Advocates a letter, sent certified mail, requesting more information so I could look into the matter to see if I was correct and it was an error. As per the FDCPA I requested that they validate the debt within 30 days of their receipt of my letter. They updated the account on my credit report to " disputed '' but failed to send me anything to show the debt was mine and therefore denying my right to make sure the information is correct.
Consumer complaint received 2019-05-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/XXXX I deposited {$2900.00} in form of XXXX XXXX money orders into my bank of America account XXXX. I was advised at that the time my account would be credited the next business day by the teller at the XXXX tx branch office. On XX/XX/XXXX the bank risk department decided to close my account without warning. 
The reasons give me was I had two return checks on my account from closed account. Now I have been a customer of bank of America since XX/XX/XXXX and hadn't one return check prior to these two items. 
Then I was advised that may deposit will not be release until XX/XX/XXXX. I demanded my money be released. After few hours on the phone the bank decided to release {$340.00} of the {$3200.00} dollars that was in the account. 
I need help to get the rest of money release from Bank of America. Help Help!!!!
Consumer complaint received 2019-09-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (FL)

Every XXXX of every month for several years, I have been charged for debt protection on my Citibank Best Buy Credit Card in the amount of {$49.00} plus interest. I never agreed to have debt protection on my account. I am not financially stable enough to have any additional charges on my account. The reason I never noticed anything until now was because I don't use my Best Buy Credit Card that much. Whenever I make purchases, they're usually large amounts ( i.e.television, laptop, etc. ) and I opt for interest free for those purchases. Whenever I open the main menu in my account, I see two large purchase amounts with expiration dates of when the interest free is over with. It doesn't mention any additional charges. Those debt protection charges and interest are tied into those two amounts, which are not noticeable unless I open a statement. I called an agent at Citibank to inquire about my statement and she informed me about these debt protection charges. She advised me to notify their dispute department. I reached out to their dispute department and there was nothing they could do about any one of those charges. I spoke with a manager letting her know my concerns and she could not do anything for me. I even went the sympathy route of reminding her that I have been a customer for more than 15 years. She still would not assist me. She did mention that the debt protection is something that customers need to opt out of when they sign up for credit card services. I was a little confused because it sounded like it is an automatic charge on the account when I sign up unless I opt out of it, but I was never informed about debt protection. This entire debt protection seems like a scam. This entire incident has really hurt me financially. I have only been paying the minimum balance because there isn't any interest on my account. However, interest has been accruing because of the debt protection. I can not believe that I did not catch on as to why my balance has not been much lower.
Consumer complaint received 2019-04-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

My mom wanted to refinance her home equity loan and credit card debt. We contacted Citizens Bank because that is where she had the equity loan. We answered a bunch of questions that loan officer, XXXX XXXX, asked and we were assured we would be approved. I submitted all the documents requested. We paid XXXX dollars for a home appraisal, I got a hard credit check, and my mom opened up a new bank account and has her social security transfered there to pay the mortgage. He told us we would get a small percentage off if we did that. The communication after that was nonexistent. No response and then a denial letter. I called to ask why my and my mothers income was supposed to be more than enough. Our credit is excellent and there was just no explanation other than the letter saying our income wasnt enough. I finally got XXXX XXXX on the phone and he said he would look into it and call back. He never did. I believe he was negligent in this case on every level.
Consumer complaint received 2019-09-29
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. (MO)

On XX/XX/2019, I filed a dispute with regarding a collection account tradeline reported by XXXX XXXX XXXX to my XXXX and Transunion credit files. On XX/XX/2019, I received a notification that the dispute had been completed and no changes were made as XXXX XXXX XXXX had certified to XXXX that the information was accurate. Around XX/XX/2019, I received the same notification from Transunion that the dispute had been completed and no changes were made. As XXXX XXXX XXXX has failed to respond to my debt validation letters, I contacted XXXX and Transunion between XX/XX/XXXX and XX/XX/2019 requesting copies of of the documentation provided by XXXX XXXX XXXX verifying the reported collection account tradeline. Instead of providing the requested documentation, XXXX & Transunion refiled disputes of the tradeline and again reported it had been verified within 2 weeks of filing. 

Due to speed in which the dispute was resolved and because I have not received any documentation from either XXXX & Transunion, I feel that 1 ) XXXX XXXX XXXX is using a auto-validation system instead of actually researching the dispute as required by the Fair Credit Reporting Act and 2 )  XXXX and Transunion do not posses any legitimate form of validation of the disputed tradeline.
Consumer complaint received 2019-09-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (MD)

I have a variable rate mortgage. The interest rate resets each year. The " new '' rate is determined by taking a base of 2.25 % and adding in the 1 year Libor rate as of XX/XX/XXXX of that year. On about XX/XX/XXXX of each year, I get a notice telling me that my loan percentage is goingto reset and what that reset % would be if it were done on that date. This year, when I received my " reset '' letter on XX/XX/XXXX, it told me that my new rates was going to be 4 7/8 % based upon the fat that the current 1 year Libor rate was 2.61425 %. That percentage plus the base yielded a 4 7/8 %  rate. 
However, the 1 year Libor rate changed dramatically between XX/XX/XXXX and XX/XX/XXXX ( went down from 2.61425 % to 2.15 % ). My contention is that my new loan rate should be 4.4 % ( 2.25 % base plus 2.15 % 1 year Libor ) or at worst 4.5 % if they round up rahter than the 4 7/8 %  which I cam currently being charged. 

I have called the loan processor 4 times attempting to get this question answered to my satisfaction. In spite of numerous attempts to do so, I have not gotten a satisfactory answer as to why the rate is what it is.
Consumer complaint received 2019-09-29
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. (TX)

-I reported to XXXX that the only address that should be showing on my credit report should be XXXX XXXX XXXX XXXX. XXXX XXXX TX XXXX and XXXX should be the only phone number.
Consumer complaint received 2019-09-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (TN)

This problem is with Regions Bank. XX/XX/19 I had my Direct Deposit to come through. On that said date i paid some bills and etc. By XX/XX/XXXX I looked and I only had {$1.00} and i thought o wow. So i transferred the {$1.00} onto another card. When i went back and looked it showed me XXXX balance. So then i did overdraw - {$190.00}. Which in my checkbook register it shows now i should owe the bank - {$230.00}. The next day XX/XX/XXXX it first shows i am - $ XXXX.I was like what? Then with my very on eyes while i was on the website i saw my transactions move..it then went to - {$680.00}. Then it shows - {$480.00}. And that is what they are saying i owe. I called there 800 number they would not fix it cause they said it was pending..what no i have proof of receipts it came out then. It usually always come out as soon as i use my card. Few days later i talked to someone at my local branch and she said it was because of pending transactions i told her that is not possible that i had my deposit to cover those. She said its because they go form big to low in posting ordering. I said that is not my fault. Well the lady from my local branch sent me some documents..but it does not show when my deposit was made..but it does however show that it was and overdraft fee of 2 pending which was the {$1.00} and - {$190.00}. so i thought why did they do this on my {$1.00} when that was not overdrawn, But it shows what my debit card paid most all on the XXXX that it was NSF,. How could it be NSF when i had my Direct Deposit few days before to cover these bills. Now i know i am at fault for the - {$190.00} plus {$36.00} fee..and i don't mind paying that. But they took {$250.00} in fees from me. I called the 800 again and they said it could not be waived cause i already had 1 in XXXX which by the way i caught and told them that was not right and they waived it..so in XXXX that was their fault too. So XX/XX/XXXX I was on Regions Bank XXXX page seen how they have done this to alot of people. Alot was mad..and i made some comments., when i did someone from Regions told me to email them my phone number. So i did. She called and said she was just in the complaint dept. Took all my info..but didn't really say what she was gon na do., but said i don't know if i will call you back or not. So how am i supposed to know if they look into it? I just want my {$250.00} fees waived back to me! This thing they do which is called reordering transactions should be illegal. Thank you for your time in reading this.
Consumer complaint received 2019-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CA)

XX/XX/2018 Dear Best Buy Credit Mgmt Dept, My credit card # is and enclosed is the letter from my credit report from XXXX showing my XXXX score which was lowered to XXXX because of you guys and it also shows the serious delinquencies on my credit histories also because of you guys. 
Last XXXX of XXXX you guys were given both my routing number and account number of my checking account so you could auto debit them from me for the last XXXX payments, of the {$600.00} bucks owed to you guys. The numbers and account numbers were read back twice to you guys over the phone. Just to make double sure. 
Then suddenly at the beginning of XXXX I got numerous unknown calls on my cell Thinking it was a telemarketer I never answered. I finally called back the number and spoke to a Woman who told me they had the wrong account numbers and routing. I gave her the correct ones once again and asked what possibly couldve happened? She said that sometimes this happens and that somehow they mustve gotten them wrong even though I repeated them twice. I said well, it has to be your error because if you had the right ones we wouldnt be having this conversation. Nor would this letter ever have to been written. 
And l also I asked her why they didnt just leave a message and she said you guys are not allowed to do that either. Really? Thats a policy that needs to change, because that wouldve gotten the problem solved quicker. 
None of this shouldve ever occurred and makes no sense to me. In all of my years of paying off my bills have I ever had a Delinquency on my history ever, not XXXX. And I dont intend to going forward. You guys need to remove them from all three of my credit reports. Immediately. 
Lastly, please send a separate letter saying youre going to delete them or in the next correspondence. 

Sincerely, XXXX XXXX XX/XX/2018 Dear XXXX Enclosed is the Dispute letter that was sent to Best Buy credit please read it because it explains what happened. 

Please remove all XXXX day delinquencies and negative credit histories from my reports due to this was entirely their fault as you can see from which is stated in my letter to them on XX/XX/2018. 

Best Buy is disputing with all three credit agencies so I am doing the same. 
It was once again entirely Best buys mistakes and it needs to be noted so. Also please have my XXXX score restored and raised to where it was before this terrible credit mishap. Which should have never occurred in the first place and as you can see has never happened to me in my entire payment history life. 

Lastly please send me also a letter also stating that. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2019-09-29
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: Experian Information Solutions Inc. (MO)

On XX/XX/2019, I filed a dispute with regarding a collection account tradeline reported by XXXX XXXX XXXX to my Experian and XXXX  credit files. On XX/XX/2019, I received a notification that the dispute had been completed and no changes were made as XXXX XXXX XXXX had certified to Experian that the information was accurate. Around XX/XX/2019, I received the same notification from XXXX that the dispute had been completed and no changes were made. As XXXX XXXX XXXX has failed to respond to my debt validation letters, I contacted Experian and XXXX between XX/XX/XXXX and XX/XX/2019 requesting copies of of the documentation provided by XXXX XXXX XXXX verifying the reported collection account tradeline. Instead of providing the requested documentation, Experian & XXXX  refiled disputes of the tradeline and again reported it had been verified within XXXX weeks of filing. 

Due to speed in which the dispute was resolved and because I have not received any documentation from either Experian & XXXX, I feel that 1 ) XXXX XXXX XXXX is using a auto-validation system instead of actually researching the dispute as required by the Fair Credit Reporting Act and 2 )  Experian and XXXX  do not posses any legitimate form of validation of the disputed tradeline.
Consumer complaint received 2019-09-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: MARINER FINANCE, LLC (LA)

Mariner Finance have been reporting late payments and ruining my credit score. I've tried speaking to them several times about this issue and no one will talk to me about this account. One representative actually informed me that there's no account listed in my name. This has been going on since 2013 and I want to be compensated for this company ruining my credit score over six years.
Consumer complaint received 2023-04-06
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. (SC)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # 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 2019-05-05
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent a certified letter to XXXX XXXX XXXX  ( XXXX ) on XX/XX/XXXX that was signed for on XX/XX/XXXX. The letter was a formal notice of dispute. I received a reply from XXXX dated XX/XX/XXXX stating that their investigation was complete and stated the account was being reported correctly. 

I waited 37 days to verify XXXX violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the required disclosure, notice of dispute, within the required 30-day period. 

I sent a certified letter to Trans Union stating that XXXX did not notify Trans Union about my dispute along with a copy of my initial dispute letter to XXXX, proof of delivery, credit report dated XX/XX/XXXX, and a credit report dated XX/XX/XXXX to show that the notice of dispute statement was not reported. 

Trans Union has disregarded my proof of XXXX XXXX XXXX XXXX violation of the law and refuses to remove this trade-line.
Consumer complaint received 2019-09-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IL)

I was attempting to buy tickets through an online server from an independent poster. The poster requested that I pay through XXXX. I chose to use XXXX by Chase. I was unaware that there was no grace period upon transferring money. I realized that I was being scammed about ten minutes after the transfer and called Chase some thirty minutes later. They informed me that there was nothing they could do. I am very frustrated. There should be safeguards in place for this sort of thing.
Consumer complaint received 2019-09-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (ID)

I am asking for a certified copy of the lien that was to be filed with the idaho Secretary of the state in XXXX of 2004 by XXXX XXXX XXXX on behalf of XXXX XXXX. It you can not provide it then you have no interest in my property. It would have been in you file as transfered from XXXX XXXX XXXX to sps Your answer of our record show we complied. Is not answer. do you have it? And was it filed?
Consumer complaint received 2019-09-28
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. (PA)

I never applied for SCRA benefits with my mortgage company. At the beginning of XXXX XXXX XXXX alerted me that I had missed multiple payments on my mortgage dating back to XXXX. I did a hard pull on all 3 credit bureaus and verified they claimed I had missed 23 payments, and they claimed I owed XXXX dollars more on my mortgage than was was shown on my account. I logged into my account and the ledger was in utter disarray, almost a hundred entries on XX/XX/XXXX. I proceeded to call and ask what was going on they told me it was due to SCRA benefits and to call the credit bureaus which I did, it has been a month and still no resolution to my report. My credit score has taken a huge hit and I was turned down for a loan. What is my next step.
Consumer complaint received 2018-04-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MoneyLion Inc. (CA)

They ran an add on XXXX about loans to help people start to improve their credit. In fact it seems they are out to extort me.they said that give me a {$500.00} loan with a low interest rate, payments of {$42.00} q month. In the coarse of doing that They coerce me into money lion plus club as part of a way to get help. Now they have tacked on a {$79.00} payment This I can't afford I told this, and drop this so call {$79.00} service They then told the only way I could was to pay off loan in full. I can't do that This could end up leading me into BK.I 'm XXXX years old. to old to recover from this
Consumer complaint received 2019-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

I had made a payment on XX/XX/XXXX. I have no late payments with this company ever, or any for that matter. The payment was not processed through my bank because the bank had made some adjustments. I did not receive any correspondence from Capital One until I got a credit alert advising me that I had a 30 day late payment tacked to my credit history reports. I immediately logged on to capital one to see it. I called them rectified the payment. I requested that they show me current when they report it to the bureau next. I was told by the senior manager XXXX, they do not do that at Capital One. He advised they did reach out by sending me a physical letter on the XXXX of XXXX, which clearly would not arrive in time for me to have made any changes. This company is pathetic, and that is why they have lost my business. This should not be an issue.