davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-01
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

We began our application with Citizens Bank in XX/XX/2020. We were applying for a construction loan that would convert into a regular mortgage. After many months of providing the requested information they required repeatedly and satisfying all their requests, we decided to Withdraw/Cancel/Terminate our application on XX/XX/2020 via email. Our financial consultant at XXXX XXXX also provided Citizens with all the information they requested many, many times. 

Today, XX/XX/2020 we received a letter via email that they were DENYING our loan application. XXXX days after we cancelled our application, we receive this DENIAL letter, dated XX/XX/2020, totally ignoring our email demanding that they cancel our application on XX/XX/2020. 

Unfortunately, at this point, we have lost much time as well as a drop in our credit scores due to the unnecessary hits.
Consumer complaint received 2020-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NM)

XXXX, Experian and XXXX  have yet to respond to disputes I have been sending since XX/XX/2020! Under the law you are supposed to provide results and there are serious errors on my credit file with Late payments and negative items. I am unsure why you are not responding at all but these need to be deleted and not ignored. I have tried to call you guys and I can not reach any either. 
Please provide me results for the 3 disputes I have sent you!
Consumer complaint received 2020-11-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Neon Newco Corporation (KS)

I won the lottery on three separate tickets and scammer and hacker robbed my Netspend account, my home and transferred funds to different banks without my permission I didnt have any offsets and my identity was stolen. I was also XXXX and hospitalized shortly after. It took months for me to remember what happened to me.
Consumer complaint received 2020-10-27
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. (FL)

On XX/XX/XXXX I noticed multiple derogatory accounts on my credit file. So I sent a letter via USPS on XX/XX/XXXX to XXXX XXXX XXXX asking that they allow me to validate the alleged debt. I specifically asked for a breakdown of fees including collections cost and medical charges and a copy of the medical release from the provider of service with my signature. Additionally I asked them to cease reporting to all credit bureaus until the debt was validated by me. 

My Request was not honored instead they sent a generic letter dated XX/XX/XXXX stating the they have verified with their client and confirmed the debt was valid. 

After receiving this I responded on XX/XX/XXXX via certified mail advising XXXX  XXXX XXXX  that I did not ask for verification. I asked for VALIDATION which is actual proof of this alleged debt. I advised them that I have never heard of their client whom they've verified this information with. I asked them again to please send valid evidence that I had a contractual obligation to pay this alleged debt. I advised them that I am fully aware of my rights allowed under the FDCPA. I also advised them that withholding information from the medical provider is a direct violation and that I would seek damages accordingly. Additionally I demanded the deletion of all accounts they have on file if there was no evidence of this debt under my name. 

On XX/XX/XXXX XXXX  XXXX XXXX received my letter sent certified mail which i have proof. They ignored my request once again and sent me the EXACT SAME letter as before however this time it was dated XX/XX/XXXX. This company is clearly not compliant and have reported this invalid debt to the credit bureaus even after they received my requests. I have notified the XXXX  and notified all 3 credit bureaus of this company 's action. I need these debts DELETED from credit profile IMMEDIALELY. 
I will attach every correspondence sent to and from XXXX  XXXX XXXX.
Consumer complaint received 2020-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

XXXX XXXX, XXXX  XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, Dept of ED/XXXX  XXXX XXXX, XXXX   XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX violated my 609 rights by reporting incorrect information to Experian regarding my credit file. Experian further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX XXXX, XXXX/XXXX, XXXX XXXX, XXXX Retail Card, XXXX XXXX XXXX, XXXX XXXX reported to the Experian that I applied for credit I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers, and names corrected on my report this is a violation of my Consumer protection rights.
Consumer complaint received 2021-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Synovus Bank (FL)

I made a payment from my bank account on XX/XX/XXXX to XXXX XXXX Credit Card. They received my payment on XX/XX/XXXX. The Due date is XX/XX/XXXX. I was online getting ready to make my XXXX payment when I saw the late fee. They said I am late because they applied the payment on XX/XX/XXXX, even though they received my payment on XX/XX/XXXX. I think this is illegal and wrong.
Consumer complaint received 2020-09-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CA)

Freedom Mortgage charged us a late payment fee of {$120.00} when we never paid late because our mortgage was automatically deducted from our bank account. 

Freedom Mortgage provided the incorrect escrow balance on our Payoff Statement, dated XX/XX/2020. The escrow balance listed was {$3900.00} and did not include the XX/XX/2020 escrow payment. Correct escrow balance was {$4700.00}. 

We are owed {$8700.00} from Freedom Mortgage. It is XX/XX/2020. Freedom Mortgage received full payoff amount on XX/XX/2020.
Consumer complaint received 2020-12-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (SC)

Mortgage Company Mr. Cooper is making it difficult to extend the required COVID Mortgage Forbearance. When you call it steers you to the website to login. When I logged in it only gave me options such as Deed-in-Leu, Modification and full payment. When I attempted to find or select " extend forbearance '' it said I was not eligible. I have used 9 months of forbearance and since this is a quasi-government backed loan it should be eligible for 90 more days. When I was navigating the system to find the forbearance option it navigated me to a modification. I later received notice that I needed to make trial payments. All I wanted was the forbearance extension. I made several attempts to call and they were busy and I was again directed to the website. I was able to reach them on XX/XX/XXXX and they agreed to cancel the unwanted modification and told me the forbearance would extend to XX/XX/XXXX. 

I am concerned that Mr. Cooper is not following the intent of the relief package, and making it unreasonably difficult to get the extension. I am very concerned that they appear to be cramming customers into unwanted modifications, demanding full payment and taking property with deeds-in-leu buy directing them in the website without showing the forbearance option. I have very little trust in these mortgage servicers especially with the issues around the XXXX financial crisis. Please remind them to follow the intent of the relief and ensure there website is accurate and not misleading customers into unwanted programs. Please ensure I was granted the requested 90 day forbearance extension by Mr. Cooper. thank you
Consumer complaint received 2020-12-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

This is my third complaint regarding XXXX XXXX/ PHH Mortgage. The complaint is two-fold : 1. ) In their previous responses to my complaints, they always mention that they never received the paperwork I need to send them in order to considered for a loan modification. I have always maintained that I have sent in said paperwork via USPS and by emailing the address that they include " for faster processing '' in the forms I've filled out on several occasions. 
I always wondered, '' if I'm sending it, why are they always saying they never received it? '' Recently, I decided to find out what might be going wrong by sending the paperwork via email with tracking. By tracking the email, I am able to see every time someone opens it, and I am also notified if the email is forwarded and shared with others. The results of my tracking experiment were very disappointing, but shed new light on the overall problem I've been having with my mortgage lender. Thanks to my email tracker, I am able to confirm that PHH MORTGAGE and XXXX XXXX  have not opened ANY of the emails I sent them. It is important to mention that I am not just sending them to some random email address I found listed online, but that I am sending them to the email address ( XXXX ) that they put on the first page of the forms I've filled out and sent to them no less than 4 times. 
This explains why they claim to have never received this paperwork that would get the process of getting a loan modification or whatever kind of help I might qualify for. 

2. ) The second part of this complaint is due to a confusing notice I received from my lender that said that they were notified that I had not been paying my tax bills that I know owed XXXX XXXX/ PHH MORTGAGE {$2000.00} that they paid for overdue taxes on my behalf in order to " protect our interest in your property. '' This is fairly straightforward, but the confusing part is when I log on to my the site I make my property tax payments on and look at my account, there is absolutely no record of any payment for {$2000.00} being made by my lender or anybody else. I now owe over {$3000.00}, so I don't know what my tax bill for {$2000.00} is claiming to have paid on my behalf and trying to collect money from me for.
Consumer complaint received 2020-12-02
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 pinned of XXXX XXXX account credit and paid settled in for as of me Ive been submitting the letter that I received from XXXX XXXX XXXX and I have a XXXX balance owed to them and its been considered paid him for since I have some at the letter I had to try to do a three-way call with experience any federal accountant and nothings been done Ive submitted over for different disputes
Consumer complaint received 2017-12-15
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: Tate and Kirlin Assoc (FL)

I received a collection letter in the amount of XXXX from XXXX XXXX XXXX. I called XXXX XXXX XXXX and they referred me to XXXX. I spoke to XXXX and sent them the supporting documentation via email @ XXXX and postal mail to XXXX XXXX XXXX XXXX with no response. I then pulled a copy of my credit report and they sent my collection to another attorney XXXX XXXX XXXX XXXX who has yet to contact me or respond to my supporting documentation. 

The account reported in the amount o f {$530.00} as of XXXX/XXXX/XXXX is NOT MINE. I did not sign the contract. The renter signed the contract and is responsible for the account. Please see the attached lease agreement that also matches the XXXX contract name and contact phone number. 

XXXX XXXX XXXX
Consumer complaint received 2023-04-04
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

A checking account was opened in my name without my knowledge or consent. I called to close the account on XX/XX/XXXX. Today on XX/XX/XXXX I am still getting a bank statement. Ive called again and they have told me the account is closed. Ive asked since that is the case, I should no longer be receiving statements or correspondence on account thats closed.
Consumer complaint received 2020-12-02
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 pinned of XXXX XXXX account credit and paid settled in for as of me Ive been submitting the letter that I received from XXXX XXXX XXXX and I have a XXXX balance owed to them and its been considered paid him for since I have some at the letter I had to try to do a three-way call with experience any federal accountant and nothings been done Ive submitted over for different disputes
Consumer complaint received 2020-11-02
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The bureaus not following the law.. They have not provided me with any of my investigation results.. I have sent out several disputes and they are not complying with the law.. I demand concerns be resolved and deleted off my credit report.
Consumer complaint received 2021-10-20
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. (FL)

i contacted XXXX that the accounts they have are fraudulent and incorrect, i gave them a chance to resolve the matter, but then when i pulled my credit report the items were still on my credit report, i then disputed threw the credit bureaus XXXX, which found that the accounts fraudulent and the accounts were removed. the accounts are now showing on my credit profile for trans union, i requested the original promissory note from XXXX which they were never able to provide the original, they sent me a copy that looked doctored,
Consumer complaint received 2021-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

Beginning XXXX and XXXX and XXXX capital one is reporting a high balance of XXXX on a card with a XXXX limit. to all 3 credit bureaus. I have called 12 times and sent a certified letter to capital one asking them to send me the transactions that total XXXX. All I get are letters telling me that they are reporting the XXXX correctly but never send me the proof i ask for. 

I make 3 or more pmts every month because the credit limit is so low i use it for my business and spend about XXXX during the month so to keep the card from getting to close to the limit I make pmts before the closing date.or as I use it. Im working on my credit so I can buy a house. My first one. Now with the XXXX high balance showing I can't get the house because the interest rate went from 5 % to 13 % and my score dropped 10 points,. So all my hard work down the drain! I have a right to see where this XXXX is coming from and the way I have been treated by this company is completely undeserved. I never go over my limit and i always pay on time. or more.Yet i get ignored when i ask to send me this proof i need. 
I was turned down for a credit card because they said, balance relative to credit limit is too high. meaning a balance of XXXX on a XXXX credit card limit. My credit utilization is 4 % but with this XXXX showing It has begun to cripple my credit reports and keep me from ever getting a house at a fair rate. Im XXXX and I dont have a lot of time to put off buying a house when this high balance is not correctly being reported.and cant get any proof of this from capital one. They wont even let me talk to the people responsible for the report they send to the credit bureaus. I was told it does not get done by a human that it is all done by computer so i cant talk to anyone. The customer service dept says they cant see where the XXXX is coming from yet every month its being reported. I asked XXXX and XXXX to remove it until the dispute was completed but they did'nt. XXXX I disputed with 2 or 3 times but it comes back in a few days as verified and capital one added DISPUTE RESOLVED and it was not resolved.
Consumer complaint received 2020-04-18
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I have funds on my Nevada unemployment card. However I do not have a prepaid debit card to access my account I have called the online number I also have called the unemployment I have not been able to reach anybody I also have written emails I need a card sent to my new address please
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. ()

I, XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- XXXX XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Consumer complaint received 2021-10-20
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (MA)

I paid off a promotional balance on XX/XX/21. The balance owed on the promotion was {$180.00}. I paid {$180.00}. I was charged {$81.00} in interest. I tried to have this rectified the following month when I saw the interest charge. I sent multiple messages in regard to the interest charge. I sent another message on XX/XX/21 for a status update was told to call. I called and spoke with XXXX, then a supervisor XXXX ( female ) telling me a letter was mailed to my home which I never received stating the interest charge is valid. XXXX said that because I did not pay over the minimum each month, I owed the interest which does not make sense if I paid the entire balance of the promotion off in time. It shouldn't matter that I did not pay more than the minimum each month if I paid off the entire balance of the promotion before its expiration. I have been charged interest since XXXX so I would like reimbursement of {$90.00} and any additional interest I am charged in the meantime while this is investigated.
Consumer complaint received 2020-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America closed my Cash Rewards Visa card without any warning. I had a fixed 7.9 % interest rate on that card. I filed a cfpb complaint previously ( Case # XXXX ) which I thought was resolved but not so much. After trying to get a hold of their Resolution Specialist XXXX XXXX XXXX, both via email and by leaving multiple messages, XXXX finally called me back. He told me verbally that he was sorry it took so long to get back to me and that he was approving my request to re-open my credit card at the same fixed interest rate of 7.9 % .a week or two after that conversation with XXXX XXXX I received a letter from Bank of America XXXX dated XX/XX/20 ) stating that they are not able to reopen my credit card! I want this resolved asap, please.
Consumer complaint received 2020-12-02
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

My savings account was opened on XX/XX/XXXX XXXX XXXX it was opened from a transfer of funds from my checking account. I opened it with XXXX dollars. On XX/XX/2020 XXXX was fraudently transfered back to my checking account. then XXXX was wired out of my checking account. IF I would have done this i could have wired it from the savings account and not go thru my checking account. USAA should have caught this scam. There should be an investagation int why USAA let this happen.
Consumer complaint received 2020-09-01
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. (NC)

I was in a car accident, my car was a total loss and it was paid by XXXX  XXXX. There was a remainder balance of about {$500.00} that was paid by XXXX XXXX XXXX. Not too long after that, I received a check from XXXX XXXX for XXXX. 

The loan shows up on my credit as a charge off for {$15000.00} and its been very damaging to my credit. I called the creditor and they told me I needed to call the bureaus. I have disputed it and disputed it repeatedly, but it still remains. The car was paid in full and its showing as a negative on my report! 

No one will help me rectify this and XXXX has been less than helpful as well as the 3 bureaus.

I also believe that they committed FRAUD - I believe that they received TWO payments on my car and left me with a negative remark on MY credit. I think they go MY payment from insurance, and then claimed it was a charge off in order to get a SECOND payment on on totaled car.