davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-06
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. (CA)

i disputed a debt with XXXX XXXX with experian it was deleted only to be rereported again on all 3 bureau from a different collection agency.
Consumer complaint received 2019-09-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NJ)

XXXX XXXX XXXX sent my file to Specialized Loan Service without notifying me prior to around XX/XX/2011. I have been disputing this transfer ever since. I was also in the process of a modification with a XXXX who has a contract to work with XXXX to assist with modifications and to prevent my home from going into foreclosure. SpecialiZed Loan Service has not worked with me to remain in my home. I have attempted on occasions to make the payments I could afford which was on a previous statement from SLS who I never contracted with while requesting my loan remain with the original bank who claims Im a valued customer. I also called at XXXX to verify my loan number. She refused to confirm the number I gave her and never sent an email with this information as she stated. Both parties have been blaming the collection on the investor who has in turn referred me back to the most recent servicer.
Consumer complaint received 2020-09-23
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CITIZENS FINANCIAL GROUP, INC. (UT)

I tried to purchase a XXXX XXXX XXXX via the products page. One of the options for purchase was " XXXX XXXX XXXX '' which was supposed to bundle the console, the service, and the XXXX XXXX   XXXX  service into one monthly payment. The payments would be done via setting up a personal line of credit via CitizensOne and then you would make monthly payments on it. 

The issue is that when the XXXX 's ran out of stock, they did not stop accepting applications, and the application is done before it checks stocking levels. So you end up applying for, and receiving, a {$0.00} line of credit. Which means I am now going to take a hit on a credit report that I was only willing to take because I thought I could get the product. 

To put this in another way, it'd be like walking into a cell phone store with the intent to sign up for service. Then when you are signing up the ask if they can pull your credit for the device equipment plan you would like to set up. Then immediately after pulling your credit, they say, " I'm sorry we aren't signing up new customers right now, have a good day ''. 

WHY DID YOU PULL MY CREDIT THEN?! Why do I have to be financially impacted due to what basically amounts to malpractice in coding. Check stock levels THEN send to signup page, and before submission, check stock levels one last time to make sure the customer can even attempt to purchase what they are signing up for a payment plan for!!!!
Consumer complaint received 2022-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

A few days ago XXXX sent me documents stating there was a freeze on the account and than a few days later transunion changed the name to the right name and than changed it back to the XXXX up name. Ofcourse this is what happens in the great XXXX scandal. Lawsuits are being arranged since this is a distraction. but I have several remedies to end this.
Consumer complaint received 2020-02-05
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: EQUIFAX, INC. (PA)

Dear Sir or Madam : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my Identity Theft Report, proof of my identity, and a copy of my credit report showing fraudulent accounts. I also have enclosed a copy of the Notice to Furnishers of Information, which explains your responsibilities when reporting information to credit bureaus. When you receive a request like this with an Identity Theft Report, you must stop reporting fraudulent debts to credit bureaus. 
The Notice also states that if a credit bureau notifies you that information you provided may be the result of identity theft, you must stop reporting the inaccurate information and you can not attempt to sell or transfer the fraudulent debts to another party for collection. 
Please send me a letter explaining your findings and actions.
Consumer complaint received 2022-08-17
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. (PA)

I have reached out to XXXX XXXX credit card multiple times about my credit being reported late. The latest date they reported it late was XX/XX/2022. They have also reported that my account was charged off which is not accurate at all. Total visa is stating that Experian is making the mistake but Experian is blaming total visa. This wrong information has dropped my credit score by XXXX points! I need assistance immediately to correct this information on my report.
Consumer complaint received 2020-11-06
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Social Finance, Inc. (NJ)

At present, I have made three ( 3 ) payments to my Sofi Personal Loan. Each payment includes an additional payment to the Principal by including two separate checks in a certified envelope to Sofi.

One check for a regular payment of {$810.00} as agreed upon and the other check for a principal-only payment of ( 1 ) {$2000.00}, ( 2 ) {$4000.00}, and the 3rd payment of ( 3 ) {$2000.00}. A grand total of {$8000.00} has been sent toward the principal. 

I recently reviewed my statement and noticed that Sofi has been applying my regular scheduled payment of {$810.00} as a principal payment. Thereby taking any additional funds as interest payments and applying the rest to the principal. 

An example : Principal Interest Total XX/XX/2020 Schedule Payment {$810.00} XXXX {$810.00} XX/XX/2020 Schedule Payment {$1600.00} {$360.00} {$2000.00} XX/XX/2020 Schedule Payment {$810.00} XXXX {$810.00} XX/XX/2020 Schedule Payment {$3600.00} {$360.00} {$4000.00} XX/XX/2020 Schedule Payment {$810.00} XXXX {$810.00} XX/XX/2020 Schedule Payment {$1500.00} {$470.00} {$2000.00} My initial Loan was {$42000.00} at a rate of 11.491 %. 

XXXX? ( whose manager is XXXX ) assured me that the figures come out correctly. And that there are " no errors to correct. '' For transparency she is incorrect. Principal only payments should always be applied to the principal. Interest and principal payments should only be applied from the agreed-upon scheduled payment of {$810.00}. 

I asked them to correct this error but to no avail. Notice the different amounts in principal payments when I sent an additional {$2000.00} for XXXX and XXXX payment. 

Please reach out to them and ask if they could correct the errors in my statements.
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Credence Resource Management, LLC (NY)

I found out about my credit score decrease with XXXX XXXX that I had XXXX accounts under collections with XXXX XXXX XXXX ( for XXXX ) and Credence ( for XXXX XXXX ). I filed disputes with both companies and submmited all required documents. XXXX never reached back to me with a solid resolution. Meanwhile, I have also reported the ID theft incidents to local police and the FTC, both of which have issued case numbers. 

I requested my credit score to be fully restored and complete balances under both accounts to be dropped unconditionally. 

Thank you for protecting my rights. 

Best,
Consumer complaint received 2018-05-23
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. (CO)

XXXX XXXX received the final payment on my account on XX/XX/XXXX ( this was a bank draft sent directly from my Credit Union on XX/XX/XXXX ). That billing cycle completed on XX/XX/XXXX. On XX/XX/XXXX, I received a check from XXXX XXXX in the amount of {$12.00} as over-payment on my account. They still have not updated my credit report to show that the account is paid in full as of today, XX/XX/XXXX. I called the local branch in Maryland ( XXXX ) where the account originated, I spoke with XXXX, and was told there was nothing they could do to help me. XXXX also said she did not know the phone number to call at their headquarters and I would just have to wait for them to update my account. The number is on the XXXX XXXX homepage ; it's not rocket science. I called the main headquarters ( XXXX ) and had to leave a message, but did not receive a call back. I have disputed this information with all three credit bureaus and none have updated my account information. All three say the lender has verified I still have a balance of {$2600.00} and that the last payment made was in XX/XX/XXXX. This is completely inaccurate and frustrating considering I never made a late payment on that account. If I was behind on even one payment the phone calls and letters from the lender would have been relentless, but now it's okay for the lender to take their time to update my records and tell me I can't even expect a specific date of resolution. I am in the process of applying for a home equity loan and need this information updated immediately. Unfortunately, XXXX XXXX only wants money from their customers and will do nothing to help when the loan is repaid and the credit report should be updated.
Consumer complaint received 2019-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Back in XX/XX/XXXX/XX/XX/2018 I moved my full credit balance with Bank of America to another Credit Card company. I had elected to have my statements online so I was not receiving anything in the mail to review. Now, in mid-XXXX I am told my credit line is decreased, but more importantly it appears my account is now showing a delinquency with the reporting agencies adversely affecting my credit score. 

My issue is not with the interest charged, but with the lack of any kind of contact before reporting the delinquency. I do not understand why a paper letter or phone call was not placed in the 3 months it was open to me to help resolve before reporting the delinquency. Looking at the mail the morning of XX/XX/XXXX, I placed a call immediately to Bank of America and dealt with their horrible IVR that does not seem to have a setting for when it does not understand what you want to do to get you to a front line agent. Once talking to an agent I paid the amount in full and closed the account. 

However, I believe the bank 's practices on accounts in similar situations such as mine needs to be thoroughly looked at so the consumer is made aware of the issue before it gets reported to outside agencies and has the opportunity to resolve.
Consumer complaint received 2019-01-15
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Byrider Franchising, LLC (MO)

On XX/XX/2019 I made a payment arrangement to double pay for vehicle on XX/XX/2019 with my account manager XXXX XXXX and explained to him that I wouldn't be able to make the payment of XXXX but I would be able to make the payment of XXXX which was due on XX/XX/2019 and he refused to take payment and stated I owed a payment of XXXX and we got into a dispute about the amount and asked to speak with a supervisor and never received a call back until I was woke up on XX/XX/2019 by the repo starting I owe XXXX
Consumer complaint received 2017-12-21
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 (CO)

I had a Capital One XXXX business card from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. During the year that this account was open, I have always paid the credit card off in full without missing a single payment. 

On XXXX/XXXX/XXXX I called Capital One to close down my account in full because I no longer needed a small business card due to the fact that I had accepted a full time job with another company. The conversations I had with the Capital One representative lead me to believe that the card had been paid off in full and that the account would be fully closed. 

I learned on XXXX/XXXX/XXXX that pending charges that had been associated with the closed account had not been paid. I was told by a credit bureau that I was 90 days delinquent in paying these charges. I promptly tried to pay off my account in full on XXXX/XXXX/XXXX. It would take until XXXX/XXXX/XXXX to get my account fully paid and closed. 

From XXXX/XXXX/XXXX until the account was verified closed on XXXX/XXXX/XXXX. I never received any correspondence relating to a bill, an outstanding balance, a delinquent account, etc. No emails, no phone calls, no letters sent to my home address. 

I was told by Capital One that I didnt receive any notifications relating to my outstanding balance because I had opted into Wireless Billing. I was surprised to learn that fulling closing an account does not also terminate your wireless billing agreement. 

I asked Capital One why I didnt receive any emails corresponding to this outstanding balance because I was in frequent contact with them through email before the incident. They explained that emails were nothing more than a courtesy and that they probably stopped emailing me because I closed the account. 

Thus. I feel like my credit score was adversely affected because Capital One failed to adequately notify me that something was wrong with my closed account. I understand that I am responsible for all charges made on a credit card but this situation is crazy. I feel like Im the victim of some random companies obscure online policies that is now affecting my ability to obtain a house. Etc. 

This event has forever changed the way I deal with a credit card company. I will now call them multiple times to verify and re-verify that payments have been settled and no debts are do.
Consumer complaint received 2021-07-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I was closing on my house, ( selling ), and called my bank, Bank of America, for the wiring information to provide to my attorney. They gave me the info and had the attorney wired the proceeds, ( via XXXX XXXX XXXX ), where they told me on XX/XX/21. As I did not see the wire hit my savings I called on numerous occasions and was told it was in a general ledger business account, then told it was not there. Got a different answer every time I contacted them. I had my attorneys bank put a recall on the transaction on XX/XX/21 and just spoke with my bank and they said they never received a recall. I have wire transaction numbers and am getting nowhere with the bank. Even spoke with a supervisor who just pawned me off to someone else. Its quite a bit of money for a retired person and I need whats rightfully mine.
Consumer complaint received 2023-03-09
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. (NC)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX & XXXX XXXX XXXX XXXX XXXX/XXXX/202
Consumer complaint received 2019-01-17
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)

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX  XXXX   XXXX Re : Chapter XXXX  Bankruptcy To Whom It May Concern : I am disturbed that you continue to list the dismissed bankruptcy as confirmed within my crediti file. Although it is your policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''.

Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.

Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed.

Considering that this does not require an investigation, I would appreciate your response within 14 calendar days from receipt of this letter.

Again I never paid or walked into court for such a matter and by law it does not exists
Consumer complaint received 2020-09-23
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TFS FINANCIAL CORPORATION (CA)

on XX/XX/2020 I spoke with loan agent NMLS  # XXXX. We discussed general refinance qualification criteria including DTI ratios. She did not disclose a requirement of DTI 36 %. The number she mentioned was 45 % per my notes. She did not disclose their new income criteria requirements that have changed due to covid. Would I have known these requirements, I would have not proceeded with an application and letting her run our credit inquiries. Through their underwriting process, they determined our DTI was well above 36 % thus, declining our application. I spoke with a different agent on XX/XX/2020 by the name of XXXX and she indicated a DTI requirement of 36 % - 40 %. I proceeded to escalate this to a manager with NMLS ID # XXXX who again provided me a different DTI ration requirement of 36 %. I requested transcripts of the calls to verify the agents prior communications and the manager with ID # XXXX indicated they did not have the ability to record voice on their recordings. I asked whether this was not a violation of their policy to record all phone calls and she refused to take accountability and insisted they had no ability to record calls with voice. There should be consequences for such unethical business practices where they practice this 'bait and switch ' scheme. If agents are rated on number of applications submitted I can understand why they will lie in order to get consumers to apply not caring entirely whether an application is approved or declined. Please bring this to their attention.
Consumer complaint received 2020-02-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (VA)

I have a collections debt listed on my credit report that is not mine. The debt collection agency is listed as Wakefield & Associates. It lists the original debtor as XXXX  XXXX  XXXX  XXXX. During 2018 I was receiving threatening calls from XXXX  XXXX XXXX XXXX before they sold this debt to Wakefield & Associates . I  informed XXXX XXXX XXXX  XXXX during each of the multiple conversations that it was not me and someone must have provided my information or name because I had not used the ambulance for anything. I asked them to provide me some documentation and they could not and did not. This is affecting my credit score and credit rating substantially. I have contested this collections multiple times to the credit bureaus to no avail. I would like CFPB to assist me with this matter and these debtors. It is not fair and I want my name cleared.
Consumer complaint received 2022-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I would like to start by saying that this is the second incident of fraudulent activity on my checking account with Fifth third bank within the last 2 months. The incident in question was discovered on XX/XX/2022. I logged into my checking account to review my banking activity and noticed that there was a check cashed against my bank for {$1100.00} ( check # XXXX ). I immediately went to review my checkbook to determine wether this was a valid or fraudulent activity on my account and discovered there was no check written or signed by me for that amount. I also discovered, that a check with the same check number ( check # XXXX ) was made out to the XXXXXXXX XXXX XXXXXXXX XXXX on XX/XX/2022 for {$150.00} cashed on XX/XX/2022. In comparing the XXXX check ( original check ) and the fraudulent check, I discovered that the XXXX check did not match my check except for the check number, routing and account number. I immediately called the bank on Friday to discover that their fraud department was closed and instructed to go the a bank branch to file a fraud packet. On Monday, I went to the bank branch and filled out a fraud packet which in short, I was informed by corporate disputes that the packet that was given to me was incorrect. I filled out a new fraud packet and submitted said documents immediately. I was initially told that within XXXX business days they would have a resolution for me, yet 10 days came and went with no resolution. Since that 10 day period, I have spoken to numerous representatives and supervisors whom have repeatedly told me that it will be resolved within XXXX to XXXX business days. We are now without resolution going on XXXX month and 2 days.
Consumer complaint received 2018-05-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A. (TX)

I had a conventional mortgager with XXXX XXXX XXXX, which was purchased by PNC Bank. I had submitted information as part of a class action, whereas XXXX XXXX XXXX   charged minorities higher interest rates.