davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-06
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: TD BANK US HOLDING COMPANY (SC)

I applied for the XXXX XXXX ( line of credit ) financed through TD Bank. I was not given terms and conditions during the application at the dealership where I applied. When I called TD bank to confirm terms and conditions they could not verify what it was I qualified for other than the credit limit in which they approved me for during the online application at the dealership. I was advised that I would need to carry a balance on the line of credit before they could confirm the promotional offer that I may have qualified for. The dealership where I initiated the application advised me that I would have 12 months with no interest and no promotional fees or early pay off penalties. I called the lender ( TD Bank ) to confirm and they said they would not be able to provide that information and that it was up to the merchant I purchased the product from. I do not understand how they, as the lender, are not able to confirm what I qualified for and what the terms and conditions were for what I was approved for by their underwriters. The dealership/merchant is not the underwriter so why would they determine what I qualified for? I think TD bank is violating Truth in Lending ( Reg Z ) and treading on potential Fair Lending violations. I have not yet received any fees or anything different than was verbally communicated to me by the merchant but, the transaction has not yet posted to the account. I am fearful that I could be held to a different rate and promotion than what I was told. At the very least, the lender should be able to confirm what I was signed up for. I spent several hours on the phone trying to file a formal complaint with TD bank and made several attempts to get confirmation on what it was that I was signed up for to no avail. I finally got a mailing address and fax number to file a complaint with TD bank. Seems to me they could enhance their Complaint handling program as well. I should have been able to call in and leave my complaint or email it to someone.
Consumer complaint received 2021-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My XXXX credit report shows that I have good score and excellent payment history, However I always got denied for credit cards when the creditor runs my credit report, I have some credit cards with some banks I had them for 2 years and my payment history is great however my credit score doesnt grow even I have been using my credit cards responsibly and paying on time and never been late at the last 2 years, My transunion credit report doesnt show my payment history Also I have accounts went for collection that I have paid it already and still shows as I owe them money, such as XXXX XXXX, XXXX XXXX  XXXX XXXX credit card I need your help as I need to know what is going on my credit report when I check my credit score it shows that I have a score of XXXX Which a good score however the collection still shows on my reports despite I have paid already.
Consumer complaint received 2016-10-28
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CA)

Citibank took over the accounts for XXXX from XXXX. When doing so, our XXXX number was not carried forward to the Citibank account. When payments were attempted to XXXX, they were returned. Citibank imposed late charges and finance fees in the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The first notice that we received of a payment address for Citibank was in XX/XX/XXXX, upon which we came current on our account. However, Citibank is not refunding all late payments and finance charges accrued during the XXXX month period.
Consumer complaint received 2016-03-11
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC. (MD)

My name is XXXX XXXX &! On XXXX XXXX, 2016 my friend XXXX XXXX went into Suntrust Bank at XXXX XXXX XXXX to make an XXXX XXXX dollar withdrawal she successfully made that withdrawal then the bank manager XXXX contacted her again and informed her to bring the money back due to a fraud alert we were informed that if XXXX XXXX brought me to the bank and I verify my identity and I would be granted my refund of XXXX everything would be fine that was not the case when we got back to the bank the branch manager XXXX just wanted the money I have been in constant contact with the Irs, Suntrust Bank, and the 3rd party preparer bank XXXX XXXX Bank I have limited information about my funds and I was referred here to possible get a resolution my contact number is XXXX
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

Unable to get your credit report or credit score XX/XX/24 Please give us a call We can't complete your request at this time. 
Please call the Customer Care team XXXXEQUIFAX XXXX XXXX XXXX
Consumer complaint received 2021-07-09
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: EQUIFAX, INC. (TX)

I sent in a credit dispute to Equifax over items along with my student loan information on XX/XX/21, the credit agency took off the current status of the accounts being in good standing and placed it as unknown. Left on the late payments, that was not true. The credit report for the XXXX student loans should show current and in good status for all months. It is not reporting accurately. Also I disputed the inquiries that I have no knowledge of and still have not had those inquiries removed. The inquiries should be removed as well.
Consumer complaint received 2016-07-18
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: TD BANK US HOLDING COMPANY (GA)

I obtained a store credit card through XXXX in XXXX 2015. Not knowing the company would no longer be usin TD retaIles as the finance company. On XXXX XXXX I received a letter stating I would no longer be able to use the store card. Had I known this, I would not have opened a card with an XXXX limit and only XXXX spent. I pulled my credit report and the account is reflected as closed and my credit score took a hit as a result. This is unfair and wrong. The account can not be transfered to the new finance company and I would have to re-apply causing my credit to be pulled again. I 'm beyond appalled and upset with XXXX failure to mention this. I would have never opened the account or I would have waited until the new finance company was in place. Please assist or provide advice as to what I can do.
Consumer complaint received 2019-03-07
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: Experian Information Solutions Inc. (TX)

I canceled my membership with credit check total when they merged with Experian. And they are constantly charging my account for the amount of XXXX XX/XX/XXXX, also XX/XX/2019. Also XX/XX/2019. One was reversed and refunded to my account. I called several times and they still wont reverse my charges. I was on hold for hours and transferred several time to receive no help.
Consumer complaint received 2018-02-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MA)

Date for last statement is XX/XX/18 and my statement includes principal {$25.00}, interest {$66.00}, escrow {$56.00} which equals only {$140.00} but then ocwen loan serving, LLC adds an additional {$13.00} charge for optional products, which brings my total payment to {$160.00}. I never signed up for this optional product and want it removed immediately. My monthly bill should be only {$140.00}. I wrote ocwen loan serving LLC a letter, saying I never signed up for this optional product ( XXXX   XXXX ) and want it removed from my account ASAP.
Consumer complaint received 2022-09-09
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Union Home Mortgage Corp (MO)

It began due to the pandemic, ( approx. XX/XX/XXXX ) Asked for the forbearance program. Was told to send payment when ready to end the forbearance. Which I did. They held the check for a month and then returned it ( UnionHome Mortgage ). They wanted the entire amount. No way did we have that amount of money. I was on the phone and computer back and forth with them for over a year. Requesting a modification. Just wanted the back payments set the end of our mortgage. They just jerked me around and around. Then we got bills and info from a company XXXX XXXX XXXXXXXX. We sent a payment. They did the same. And denied us a Modification. Next ( XX/XX/XXXX ) thing they sent a letter with information about XXXX XXXX. a debt collector. 
I have tried to find an agency to help us with the arrearage. Government agency said they don't do that. I've sent a request for help to the XXXX 's office. 
We have been lied to from the beginning. We had no idea that mortgage companies were crooked like this. Beginning amount was approx, {$13000.00} now it is {$43000.00} from all their run around bs.
Consumer complaint received 2022-01-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Marlette Funding, LLC (MD)

BESTEGG was advised to investigate a few things that I believe are inaccurate and they never responded. I asked for a a copy of the contract that I signed ( which is my right to do so ), a full account history of this debt, every payment that was made and all interest that was applied. Those were MY specific request. It appears obvious to me that they are abusing their power under the FCRA to escape a complete investigation. I have been requesting, since since XX/XX/2021, verification of this alleged debt that they claim I owe to this company company and which they are reporting on my credit files. However, this company has failed to obtain and send me legal verification as mandated by the law.
Consumer complaint received 2019-03-07
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (IL)

On XX/XX/XXXX and XX/XX/XXXX a late fee of {$38.00} respectively was charged. 
I paid on the due date which is the XXXX of every month. When I spoke with the customer service department, they said that there is a cut off time which is XXXX XXXX. This is not fair because a due date is a due date as long as it is paid on the due date.
Consumer complaint received 2018-06-06
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Navient Solutions, LLC. (TX)

XXXX XXXX has been calling my families, friends, clients, former employers several times over the the past years. I have contacted the company several times, both in writing and phone calls, to contact only me and stop contacting anyone else. On XX/XX/XXXX they called my client 's number trying to get a hold of me. The call was forwarded to me and I hung up right away because it was inappropriate to call me at such places. I contacted the company back within an hour requesting that they stopped calling others except me and requested a debt validation letter. However, they company said that my account was already closed and there was no record of anything or calls with them! However, on XX/XX/XXXX, they called the same client again from XXXX. The same company that claimed I no longer have an account with them is continuing to harass others.
Consumer complaint received 2018-01-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XX/XX/XXXXI attempted to send money from my account to XXXX. 
They denied me and prevented me from sending my money to another legal company doing legal business in the US. 

It is my legal right to do this and they prevented me from doing so. 

I would like your assistance in helping remedy this prevention of my legal rights. 

Thank you, XXXX
Consumer complaint received 2015-06-25
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Cornerstone Mediation LLC (CA)

I was contacted XXXX XXXX on my work phone and cell by Cornerstone Mediation. They contacted me about a loan I took out almost XXXX years ago. They said that they filed with the XXXX XXXX court and wanted to serve me papers if I did not call them back to setup payment arrangements. The next day after looking up the business online to see if it was a legitimate business and checking to see if there was a suit filed against me, which there was not, I checked my credit report and found nothing from this business was on my account. I reported them to the Better Business Bureau on XXXX XXXX 2015. I contacted the BBB today and XXXX who is handling my complaint told me that she sent out XXXX letters and has called with no response. I called as well and got a voice message saying " the person you are trying to call is not available '' another red flag. XXXX then told me to report to the FTC. The Business is : Cornerstone Mediation, XXXX XXXX XXXX, XXXX, New York XXXX. The toll free number is XXXX
Consumer complaint received 2015-07-08
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Green Square Company LLC. (MI)

Was mixing up the date the. Loan was take. OutHung up on me many timesRefused to sent me a written notification of collection or bill until I gave personal banking info for payment. Debit was over 5 years old. Never on my credit he said it went to XXXX different collection accounts
Consumer complaint received 2016-02-14
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Synovus Bank (CA)

on XXXX of 2015 I had purchase a copy of my credit report and noticed that few items on that report that did not belong to me. included I n those items was a credit card from first progress credit card. I had disputed this account with credit bureaus and also i sent to first progress a letter stating to them that this account dose not belong to me. as of this date I have not received not even a phone call from first progress. I am here to get your help resolve this matter.
Consumer complaint received 2024-02-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

This Complaint is against Bank of America, XXXX, Florida XXXX XXXX. 

The bank issued a Check, a Bank check through my, Make a payment area of my checking account. Its actually a check the bank writes then mails on set date. 

Thay wrote check, mailed it. It apparently CLEARED the day it was written mailed. The check was Not received by the party Check was mailed to. 

This clearing of a check has never happened in over 3 years I've been having bank issued checks sent for this payee. As stated Check was NOT RECEIVED by party yet Bank took the amount Out of my Account leaving me a Negative balance thus cause other payments to Bounce/Return payment costing me even more Money. I didn't get chance to deposit more money to cover the first Check/payment due to Bank 's Immediately taking amount of that payment, {$560.00}, thus leaving me- {$420.00} dollars overdraft. Fees to my account were charged by bank immediately of at least XXXX dollars. Plus the Outstanding overdraft. I have not made deposits due to Bank unjustly removing Cash from my Account BEFORE PAYMENT CHECK WAS RECEIVED.
Consumer complaint received 2018-02-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

Re : Rushmore Loan Management Services - Loan # XXXX My mortgage originated back in XX/XX/XXXX. It was originated without escrows for property taxes and insurance. I have always paid them on my own. My mortgage was sold in late XX/XX/XXXX. Subsequently, the mortgage servicing was also transferred to a new company, Rushmore Loan Management Services ( RLMS ). I was able to clear up a crisis early last year in talking with a senior management contact, XXXX XXXX. XXXX XXXX helped resolve several issues that were not conveyed in the transfer to RLMS. One remaining issue NOT resolved is an ongoing escrow issue I can not seem to resolve, and XXXX XXXX is apparently no longer available. XXXX XXXX advised lastXX/XX/XXXX, that I request in writing from RLMS, that they stop requesting and paying my tax bill and cancel my escrow account when they perform their 'initial ' escrow analysis. So, in XX/XX/XXXX after receiving their analysis, I did indeed write online to them via the website asking them to please close the escrow account. They did respond over a month later ( XX/XX/XXXX ) stating they can not due so as the escrow has a negative balance. Not happy with their response, I contacted them last week (XX/XX/XXXX ) and spoke with a customer service rep who informed me that she would send my request to the Escalation Dept. I have yet to hear back from them. My concerns as described to her are as follows : 1. My new monthly payment increased by {$430.00} ( and only includes property taxes, not insurance which I still pay quarterly. ) 2. My property taxes total {$1700.00} annually, this does NOT justify their substantial increase. 3. I CAN NOT afford a {$430.00} increase each month while still having to pay insurance quarterly. 4. I am concerned about potential future foreclosure proceedings without this being corrected to reduce my payment back to the {$820.00} I was paying previously. 5. I am also concerned about my credit record being negatively affected. 6. I am anxious and losing sleep over this issue! Please help!
Consumer complaint received 2018-06-06
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: WELLS FARGO & COMPANY (MI)

I sent a letter disputing two accounts that are being reported on my credit report. The company sent a statement back to me saying they were going to remove the account from my reports for all three credit bureaus. The letter they sent has an account number on it that is not the same as the account numbers on my report. I would like to know if they are still going to remove these accounts.
Consumer complaint received 2022-06-09
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. (HI)

There are still remaining accounts on my report which are fraudulent and were resulted from identity theft. I am pleading for your help to remove these remaining items found on my report. Per FCRA section 605b, the credit bureaus are required to remove/block any account listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX  XXXX XXXX Balance Owed : {$18000.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2019-03-07
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Aspen Yo LLC (IL)

I been with Gregory Funding for more than a year now I am XXXX living with XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  of the XXXX  XXXX XXXX XXXX XXXX XXXX XXXX and much much more Pain Daily! I was told the home insurance will be removed from mortgage so it was I asked Gregory Funding will they refinance me they said I had to find someone else so I set out since XX/XX/XXXX it's now XX/XX/XXXX XXXX XXXX have Approved me I received a telephone call saying Gregory Funding said you are 30 days late every month, since I been with Gregory Funding they have and all the Creditors know Social Security sends payment Every XXXX Wednesday of Each month only. So I am O. AUTOPAY my Bank even knows I am on AUTOPAY, for i I might be in hospital at times and payment only every XXXX Wednesday of the month the Agent put a payment in too early which caused payment to go off track but I was paying extra money to catch up XXXX XXXX need a letter stating that I don't be 30 days late with payment to continue with the refinance, however Gregory Funding don't seems to want to work with them the entire loan will be paid It's not fair to loose this Loan in 3 days that was so very hard fatigue frustrating painful every day
Consumer complaint received 2018-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

While reviewing my XXXX credit report, I noticed that I am documented as having late payments from XX/XX/XXXX - XX/XX/XXXX for my XXXX card account. 

I contacted XXXX directly and was informed that XXXX is not showing any late payments on my account and suggested to request an investigation to be conducted. 

I would like an investigation and confirmation that these late payments on my credit reports belong to me.
Consumer complaint received 2019-03-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: PENTAGON FEDERAL CREDIT UNION (CO)

On two occasions, I transferred US cash funds from my checking account and/or savings account to a new product called, Online Savings Account, and my transferred funds were not available for 10 calndar days to two weeks. I contacted the Pentagon Federal Credit Union to make these funds available immediately and they refused to do so.