davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have been unemployed since XX/XX/2020 due natural disaster ( COVID-19 ) I called XXXX XXXX to inform them of my circumstances and was given the option to defer payments for a few months. Upon calling to ask if deferment was still available I was told yes and if I did not receive a call from company that means I have been approved and no payment would be due. Upon checking my credit report the company never called to inform of late payment which resulting in payment to go beyond 30 days late which has caused a negative impact on my credit report. The date they have reported late payment was the month of XX/XX/2020 in the amount of XXXX. I have tried to resolve this issue with company as well as disputing with the 3 credit bureaus stating this was due to a natural disaster and I am and have been an exceptional customer prior to the outbreak of Coronavirus.
Consumer complaint received 2021-04-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (IL)

I initiated a mortgage refinance application with NewRez LLC in XXXX of 2020, after several months and many submissions and appraisal expenses they failed to provide the refinancing as promised ... and at the promised rate.. 
I was sent several messages indicating the loan was approved but after working with the 8th different person they informed me two weeks ago that I needed to bring {$18000.00} to closing if I expected the rate which was " locked-in '' in XXXX of 2020..or to approved a rate hike.. 
In the end and after almost 6 months, I withdrew as I need to get the refi accomplished.. 

I think this was very underhanded..
Consumer complaint received 2015-03-19
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Credit Central Holdings, LLC (TX)

They keep calling and calling and calling even when we told them to stop calling my phone. They told my sister in law that there was an emergency and to call her back immediately ( she got so scared that she thought her brother was in the hospital ) and had to block their number. They have threatened to send people to our home to collect. the lady has left very rude and demeaning messages on mine and my husbands phone. we have spoke to them on the phone and the lady the lady yells and curses at us in which in return sets me off and I have had to tell her that I do n't speak to my husband that way and I will be damned if she does. we have been through a lot this past month when they were calling constantly. my mother passed away on XXXX XXXX and I begged them not to call mine or my moms phone and I was told that they do n't care what is going on in our home and its not their fault. they are driving us crazy. its not like we did n't plan on paying them we are just going through a hard time right now with my husband loosing his job right before XXXX and the lose of my mom. thank XXXX my husband is now working full time again but were still in the hole from when he is unemployed. I do not understand how a company can be so rude and have no compassion what so ever.
Consumer complaint received 2021-04-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I XXXX XXXX, sent a letter regarding inaccurate, unverifiable and unknown items on my credit report on XX/XX/2021. To date, it is 60 days later and I have not received a response yet. I am now beginning to feel like my disputes are being ignored and I am being taken advantage of. Failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been over 60 days and I am demanding these accounts be deleted immediately or I will file for litigation due to the stress you caused me.
Consumer complaint received 2018-09-29
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: FORD MOTOR CREDIT CO. (TX)

I went into XXXX XXXX XXXX XXXX Dealership in XXXX XXXX to purchase a new XXXX Truck. I knew the vehicle I had in mind, and the website allows for online finance and purchase ; however, I had a vehicle trade in that I needed to get appraised. Because of this, I would not have been able to purchase the vehicle online while trading in the vehicle for the amount I was quoted verbally. 

While being serviced by the sales man, they advised I had 2 choices according to management. 1 ) Purchase the vehicle for only {$5000.00} off MSRP, and I could finance wherever I wanted to get a low interest rate. 2 ) Get XXXX off MSRP and apply through XXXX XXXX XXXX. When they presented the offer of utilizing XXXX XXXX XXXX, they advised I can always refinance with another company if the interest rate is not what I wanted, which lead me to believe I was not going to be satisfied with the interest rate they would offer. 

I work in a financial institution ; therefore, I know that I am entitled to request interest rates without applying first. I asked the sales man XXXX who then advised he would have to ask the finance specialist. He came back and was told that the finance specialist declined the request to be provided the interest rates available, and I would need to apply first, and then speak to the finance specialist. 

Being backed into a corner, I decided to let my credit speak for itself. My credit is over XXXX, and my wife 's was over XXXX, and I more than qualified for the lowest credit rating available. When they came back, they advised my interest rate would be 6.09 %, which is absolutely unacceptable. I again was told I should refinance after closing on the loan. 

I proceeded to the finance department where I was in a recorded and monitored office. The conversation in the finance office should be recorded for the record. I again advised the finance specialist, XXXX, that I was interested in being provided the interest rate 's available, but that I was denied the opportunity before applying. He agreed and understood that the interests being offered is a requirement, but still did not provide the interest rates I requested, and continued with his process of offering optional products to add to this outrageous interest rate ; again encouraging to refinance in order to get the extraordinary offer off MSRP. 

I didn't read too much into it, and figured this is how they do business, until a colleague went into a different ford dealership, and requested a new vehicle. Her credit is below XXXX, and she qualified for XXXX financing at XXXX interest rate, and was advised that the lowest interest rate available is 1.9 % for well-qualified buyers. This leads me to believe that I was given a predatory loan at a high interest rate, forcing me to take another credit hit refinancing with another institution just to receive the interest rate I deserve.
Consumer complaint received 2021-08-17
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MT)

I use XXXX XXXX. In spring XXXX, I noticed some fraudulent charges on my account. I contacted the company ( XX/XX/XXXX ) and they cancelled my card, refunded the charges XXXX on XX/XX/XXXX ) and then sent me a new credit card. This dropped my credit score by 50 points. As these charges were fraudulent and I did not get the option of opening another account ( ie. I had to do so ), I disagree with my credit dropping 50 points. 

These fraudulent charges were from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They were from online sites XXXX XXXX XXXX and XXXX XXXX. 

I would like my credit score to be as it was before these charges surfaced and I was forced to get a new card. I am hoping to refinance my XXXX student loans and need the best credit score possible. 

Thank you greatly! 

XXXX XXXX
Consumer complaint received 2021-04-06
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (MA)

Mr Cooper will not grant further forbance, and now my payment is through the roof. Im a XXXX veteran on fixed income and wife still not working due to Covid. I can manage my original payment, but nothing further. Mr Cooper will not work with me and I feel that it not right since President Biden has extended forbance and i have a VA loan. Please help.
Consumer complaint received 2016-10-25
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Mid-Michigan Collection Bureau (MI)

Debt collector has violated FDCPA by failing to provide validation and history to an alleged collection account reporting on my credit report. After several attempts with communicating with the collection company and receiving no response for months, XXXX dispute still resulted in the company verifying that the information was correct but it is not. The debt was paid to the original creditor before any collections began.
Consumer complaint received 2021-02-08
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (GA)

I received multiple calls from Jefferson Capital to attempt an alleged debt. I never received any written information about disputing an alleged debt after initial communication via phone. I then took action to dispute the third party debt collection agency. I requested that Jefferson Capital to stop communication via phone by sending a Cease and Desist letter via certified mail. I also requested that the third party collection agency send me any information pertaining to the alleged debt. They received the certified mail on XX/XX/2021. I have yet to receive any documentation for the account. I received four additional phone calls after they received the Cease and Desist letter from Jefferson capital.
Consumer complaint received 2021-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IA)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately and updated or i will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-04-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (IL)

There is a XXXX XXXX debt on my account that I do not remember owing, I have asked on several occasions for detailed billing and proof that I signed any contracts for the debt and they refuse to provide me any validation. I also did not receive a first notice letter. There is no way that I owe over {$3300.00} to XXXX.
Consumer complaint received 2020-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/2020 and I never received any reply. I then sent a follow-up dispute on XX/XX/2020. It is now XX/XX/2020 and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Consumer complaint received 2021-04-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

A few weeks ago, I disputed a XXXX charge to my Bank of America debit card in the amount of {$40.00}. My reason for the dispute was because I had cancelled the ride and, therefore, did not use their service. The Bank issued a credit while they investigated my dispute. Yesterday, the Bank debited my card for the {$40.00} and when I called to find out the reason, they said they had not received a response from XXXX and was going to go ahead and charge me the {$40.00}. How can they charge me the {$40.00} because they did not get a response from XXXX?! Also, I still havent received any response from another complaint ( # XXXX XXXX against them, and now this issue has arisen. I am going to close my account with Bank of America because they are no longer acustomer/consumer-friendly institution, but I need these issues resolved first before I can move forward.
Consumer complaint received 2022-03-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (MT)

Truist assumed our mortgage loan from BB & T. I found a past payment was not correctly credited to our mortgage and the latest payment ( made in XX/XX/2022 to BB & T per their instructions ) is not being credited by Truist. I have tried to resolve these errors with Truist but have been placed on hold ( for 45-60 minutes ) and a scheduled call from a supervisor ( XXXX ) at Truist was not kept ( XX/XX/2022 ). When I called customer service again, ( after another hold of 45-60 minutes and repeated holds during the call ) I was told they do not have a record of my earlier calls or XXXX the CSR I spoke with ). My concern is in assuming our existing mortgage loan, payments are not being correctly credited and I am being asked to make payments when they are not due. I am always 2 months ahead of the loan payment date. 
I believe Truist intentionally makes it difficult to reach them by telephone as a way of not dealing with their poor management of the assumption of BB & T.
Consumer complaint received 2021-04-02
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: JPMORGAN CHASE & CO. (TX)

I already reached out to the credit bureaus and to XXXX - CARD SERVICE for the following account numbers : XXXX, XXXX, and XXXX. Please notify them of their error posting for this account on my credit report. It does not complement what the Credit bureaus may claim as a " validated as accurate ''., and I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I had also requested the method of verification, actual proof, physical firsthand documentation of the payment history and proof of last payment but I did not receive what I asked for and these violations persist on my credit report. I just had to escalate to CFPB.
Consumer complaint received 2020-07-14
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. (CA)

My identity has been compromised. I found out becausXXXX XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.
Consumer complaint received 2023-01-11
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. (CA)

I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 30 days past due. Ive never been behind on my payment. I tried contacting the Experian and XXXXXXXX XXXX XXXX  and the XXXX XXXX XXXX but they have provided me with nothing tangible which reflects anything verifiable. There is definitely an error with their part. Investigate properly and please update for 100 % accuracy. XXXXXXXX XXXX  XXXX Date Opened : XX/XX/2007 Balance : {$0.00}
Consumer complaint received 2020-01-28
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FCI Lender Services Inc. (FL)

Today I went to court for a Forclosure that they trying to do to a property I dont own any more court case # XXXX the debt was canceled by XXXX XXXX XXXX seems XXXX which I even reported to my taxes in the same year, the judge XXXX XXXX close this case with prejudice seems XXXX and I transfer this property same year and now this company is trying to Forclosure company name XXXX XXXX XXXX locate in XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX phone # ( XXXX ) XXXX Ext XXXX I spoke today with Mr. XXXX XXXX dispute the debt and he send a lot of paper I dont recognize after contact also company name FCI Lender Services , Inc XXXX XXXX XXXX, XXXX XXXX, CA, XXXX phone # XXXX and I spoke few weeks ago with Mr. XXXX XXXX please help me with this injustice matter sincerely XXXX.
Consumer complaint received 2021-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (GA)

On XXXX XXXX Discovery Card closed 1 of my account because of a verification process. I told the lady the first time I called that I haven't filed my taxes in the last 2years. So, 13 days went by and my account was closed. Then on XXXX XXXX I get another email about verification process for my other account with Discovery Financial Services saying if I don't respond by XXXX XXXX that this account will be closed. So, I call them on the XXXX of XXXX and I told them the same thing I told them previously and the lady said my account was closed. What is really going on? And I had this account since XXXX  when it was a secure card! Why didn't they ask me all this then.
Consumer complaint received 2021-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NH)

On XX/XX/XXXX I had a promotional balance end on my Citibank credit card. on XX/XX/XXXX I paid the minimum payment of {$350.00}. After I verified that the promotional rate had ended and that my balance had been moved to the standard purchase rate, I made a balance transfer of {$3100.00} with another card to pay off a portion of this balance that had just been moved to 18.99 %. This transfer cost {$120.00} and went through on XX/XX/XXXX. 
When I received my statement on XX/XX/XXXX I was upset because the transfer had gone to pay my flex loan, which was a 3 year loan that is a part of the balance on the credit card, at a rate of 10.99 %. I immediately called the company to straighten it out. Two weeks later I received a letter in the mail explaining how their payments are allocated, but what they described was not how they had applied my payment. I called the company again. This time I was told that I was in the right, and they would review it. After waiting some time I contacted the company on a chat feature they offered online. I explained my situation to which the bot I was dealing with sent back several nonsensical explanations which were of no use. Finally this evening I called again, as I had received a new statement which indicated that nothing was being done. Again I was told that the payment was not allocated properly, but that because it had already been processed on the flex loan there was no way to correct it. He said that it takes a couple of weeks to process when they move the balance to standard purchase, and I should have waited until I had gotten my statement before making the additional payment, although it is clear they were charging me interest during that time. He suggested that I take advantage of a balance transfer offer that I had on the card, and then use the money to pay back the higher interest portion of my balance. They still are charging me the 3 % fee on the roughly {$6500.00} transfer, over {$200.00}! I did agree to this transaction, as it seemed the only way to fix my problem. Prior to getting off of the phone the man said that he was happy that they could resolve my problem, to which I replied that they had solved my problem, that they had admittedly caused, completely at my expense, that the company had not stepped up to help me in any way, that what they had done was illegal, and that I was going to file a formal complaint. He seemed reluctant to let me go, but I don't believe he was in any position to offer me any help. I know this is small potatoes, but I estimate that it cost me a few hundred dollars in fees and interest, and the bank is profiting from it's own illegal action.
Consumer complaint received 2022-03-29
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rock Creek Capital, LLC (TX)

I participated in the XXXX XXXX XXXX XXXX by leasing a XXXX XXXX back in XXXX. The XXXX XXXX XXXX  was then sold to XXXX in XXXX and I returned the leased vehicle to XXXX  in XXXX of XXXX. I never received any notifications from XXXX  regarding any outstanding amounts that were owed on the lease. More than 2 years after I returned the vehicle, the portfolio was again sold to Rock Creek Capital , LLC. Rock Creek apparently decided that I still owed {$400.00} on the lease ; however, I never received any correspondence from them regarding this amount. The balance was then apparently forwarded to XXXX XXXX XXXX XXXX. Again, I never received any phone calls or correspondence from XXXX  regarding the " amount owed '' and then I received a negative mark on my credit report due to this balance. I would like this negative remark removed from my credit report. I never received any emails from them either ( I confirmed they had a correct email ). I contacted XXXX  to remove the negative mark and they refused because they claimed they had attempted to contact me. However, they had outdated address information due to the lease portfolio being from nearly 3 years ago. I even have a friend still living at my old address who confirmed they never sent me any notices. They had my SSN so I am 100 % confident XXXX  could've obtained my correct address and contact information if any effort was put into that at all. This is a predatory company working with another predatory company. I would like to request again, through this complaint, that the negative mark be removed from my credit report.