davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (CA)

On XX/XX/XXXX, I applied to open a new checking account with U.S. Bank. After sending over personal documents to an agent with U.S. Bank, I was able to open the account and make an initial deposit online by XX/XX/XXXX. A part of this process of trying their financial product was using promo code XXXX, which is an incentive of {$300.00} as a welcome bonus after receiving direct deposits from my employer. 

Unfortunately, after meeting the terms of the bonus offer and waiting the appropriate amount of time needed for processing ( 60 days ), I have not yet received my welcome bonus. I have called the financial institution ( on XX/XX/XXXX ) and they were unable to find anything to resolve this issue ( although I will be calling back next week ). I hope that U.S. Bank can be held accountable for this situation.
Consumer complaint received 2022-08-11
Product: Credit reporting, credit repair services, 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: JPMORGAN CHASE & CO. (NC)

This complaint is about correcting my credit score because of an error made by the bank providing service in delivering monthly statements which caused a delinquency. I disputed the facts and the bank corrected the mistake, but continued to tell me that my score could not be reinstated. It dropped from excellent to fair.

The service bureau reported its conclusion and corrected the report, but the score continues to be fair. I'm dissatified with the entire process and are now suffering a lower rating to the point that today XX/XX/2022 I was denied a credit card application.
Consumer complaint received 2019-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (HI)

My wife and I tried many times but Experian credit freeze website always return " We were unable to honor your request to place a security freeze on your personal credit report based on the information you entered ''. We also called Experian 's freeze phone number but there are dozens of documents we are asked to mail to Experian : Experian simply do not want to freeze people 's credit.
Consumer complaint received 2020-11-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/2020 and on XX/XX/XXXX of 2020 as well theres a particular two transactions done to the Bank of America account one of them was initiated by me it was just gon na be a transfer from the account the business account to the personal no the verification did not go through so I had a calling to the bank and they were ever verify everything was good now on XX/XX/2020 there was a deposit down to the account and this deposit was supposed to be from a client of mine that I have paperwork for all the paperwork needed to work on the XXXX  now he left me a down payment cash yes me too if you could direct deposit me the funds the rest of the funds I said yes so I gave them the account number now he made a mistake in the direct deposit to put it out to payable to him so I did not see that that was the case until the bank got involved and let me know of the situation i got in touch with them when inside the branch and told him. They provide me with the information to dispute the transaction for when I was home and everything was gon na be fine that wasnt the case when I got home called and they said that they had to close down the accounts I have all necessary paperwork that Ill be providing to you guys you guys can go over this paperwork this is the work that was done to this mans XXXX  and the bank is interfering in my business and hurting it and money wise transactions
Consumer complaint received 2018-04-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (NJ)

I was awarded several TEACH Grants which some have not been converted to loans. One in XX/XX/XXXX and one in XX/XX/XXXX. I have contacted the Lenders that originated the grant, which now have been bought out by XXXX. They claim that they can not check into any documentation that may have been provided and therefore can not change the conversion of the grant. This has caused me to owe more toward my student loans and I feel it is unfair and misrepresented the intent of the grant. I am still working in the special education field and have satisfied my requirements towards the grants. They should have never been converted to loans.
Consumer complaint received 2021-08-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (OK)

On XX/XX/21 I was notified of a negative account on my credit report. The company is Sequium Asset Solutions for an XXXX  account that was opened fraudulently. I am currently a victim of identity theft. XXXX XXXX XXXX team has confirmed the account is fraudulent. Sequium Asset Solutions refuses to investigate and remove the account from my credit report. They are reporting inaccurate information to the credit bureaus.
Consumer complaint received 2018-04-06
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. (CA)

There are two accounts listed on my Transunion credit report, that are a result of identity theft. According to Federal Law, credit reporting agencies have a due diligence when identity theft accounts are reported with all elements as required by law. I reported these items as fraud with accordance to FEDERAL LAW 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and these items are still appearing on my credit report. The following items are : Creditor : XXXX XXXX XXXX XXXX Account XXXX XXXX Investigate Ownership : This account was opened fraudulently Additional Comments : Creditor : XXXX Account : XXXX Investigate Ownership : This account was opened fraudulently Additional Comments : Please see police report provided with all FCRA 605 requirements. All elements required by law is contained in this request. Remove within 5 days per FCRA I have submitted the following items to the credit reporting agency and they still continue to illegally report these items. You can see all back up documentation attached to this complaint.
Consumer complaint received 2021-03-31
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings (AZ)

So last year XX/XX/2020 Is rep called harassing my XXXX old daughter who answered my phone while I was busy. A few days later they called back I answered and the rep was accusing me of false information said I needed to pay then, was laughing and saying she would keep calling. Got a call XXXX XXXX with a rep telling me to borrow money and its a shame I havent paid them off in 2 years
Consumer complaint received 2021-05-23
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: Experian Information Solutions Inc. (GA)

I NOTICED ACCOUNTS DISPLAYED ON MY CONSUMER REPORT THAT ARE IN VIOLATION TO MY RIGHTS AS A FEDERALLY PROTECTED CONSUMER. I DEMAND THESE ACCOUNTS REMOVED FROM MY CONSUMER REPORT IMMEDIATELY.
Consumer complaint received 2023-02-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC (NC)

Planet Home Lending did not offer loss mitigation services or notified my possibilities before the 45 days before the sale. I received the notification by regular mail 39 days before the sale. There was not enough time to complete the loss mitigation application. I received this application because I called them on XX/XX/2022. They never contact me prior my call to request help with my financial situation.
Consumer complaint received 2021-03-31
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)

Formal notice that you have failed to respond in a timely manner to my dispute letter of insert date, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.
Consumer complaint received 2024-04-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

I am having issues with Mohela posting my payments on time to my account. To stay current I always make my payments before the due date. I made a {$500.00} payment to Mohela on the first of XXXX. XX/XX/XXXX came around and I called to ask why my payment was not posted. The customer service rep apologized and explained that it takes up to 3 days to post. I explained that I didn't want this reported to my credit report. She specifically said that she was new and that the call was being reported for training purposes and explained that her supervisor was there to assist. She said it would be posted to my account and would not reflect on my CR as being late. I waited a few more days. I went back to check my account on XX/XX/year>. I am still receiving communication that my account has been reported to a collection agency to collect. The amount was posted to my account on XX/XX/year> and then reversed on the same day, now the balance was over {$950.00} showing in late status. I have sent emails and calls forwarded to automated service. I sent two more payments, one of {$950.00} and another one in the amount of {$1000.00}. The {$950.00} showing was received on XX/XX/year> and now the account is still showing a negative balance. My balance should be current and then some for the next upcoming months. My concern is my credit report, where is the {$500.00} that was retracted and the {$1000.00}? I understand this is a new platform being transitioned but this is ridiculous when you have customers trying to get issues rectified via phone, email system, or any other means to get this resolved and you are being ignored with no response but a collection agency threatening your credit. If you go back and look at my history before the transition and now I have had and maintained an excellent payment history even through this crazy government outcome. I never asked for assistance in repaying my government debts and I think it's unfair and unacceptable for my account to have come to this and can not get any assistance to resolve this issue within XXXX months.
Consumer complaint received 2019-11-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (MA)

My servicing company is Lakeview Loan Servicing. They are always charging a XXXX fee even though my loan payment is paid on time prior to the XXXX. I've made multiple attempts to get this resolved and stated they would have someone call me back. No one ever calls me back. I've submitted 3 online inquiries and no response.
Consumer complaint received 2017-07-09
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. (CT)

Hello, I am writing this message because I am having a problem with the transunion credit bureau. As im going over my credit reported dated XX/XX/XXXX. Ive noticed multiple inquiries on my report that I have not authorized. Now by reading and doing some research there were a glitch in their system which occured, so that may have an effect on this matter. I know I have a few accounts listed on my credit reports as well that leads to inquiries, but the ones that are not attached to an account does not belong to me. The credit bureaus are supposed to give me a 5 day notice that inquiries were supposed to be placed on my report and I never received any type of notification. I called today and spoke with a XXXX and XXXX, and was told I had to send a letter to the creditors. Here are the inquiries listed XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX ( i have XXXX account with them, not XXXX ) XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-09-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (WI)

On XX/XX/XXXX, I attempted to make a scheduled payment for my student loans with Fedloans. When I spoke to the representative, she said since my payment wouldnt file until after the loan forbearance took effect, that I wasnt responsible for my XXXX payment. Therefore, I canceled my payment. 

However, when I logged into my account in XX/XX/XXXX, it showed that I was behind on a payment. I called and spoke with another representative, she said that if I made the payment then, it would count towards my XXXX payment. Therefore, I made a payment of {$570.00} on XX/XX/XXXX as instructed to count for my XXXX of XXXX payment. 

When I submitted my next employment certification form XX/XX/XXXX, they did not count my XXXX payment as a qualified payment. I had called and spoken to another representative and she said she would submit a request to have that payment reviewed. I had not heard anything for a month and so I called again and they said it was still under review. 3 months later, I called again, and they said once again, it was still under review. 

After over a year of not hearing anything, I decided to submit another employee certification form on XX/XX/XXXX, and they still stated that the XX/XX/XXXX payment did not count as a certified payment. 

I called and spoke to a representative and she said she did not see any claim being reviewed for my XXXX payment to count as a qualified payment and said she would submit the claim. Its now been over a month and I still have not heard anything. 

I have continued to speak with several representatives and have been given false information numerous times.
Consumer complaint received 2021-09-17
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)

MY NAME IS XXXX XXXX AND I'M SUBMITTING THIS COMPLIANT BECAUSE MY MORTGAGE IS NOT BEING REPORT TO THE CREDIT BUREAUS AND XXXX XXXX  STATED THEY HAVE BEEN REPORTING IT EVERY MONTH.
Consumer complaint received 2024-02-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (NC)

My IRS tax refund was deposited on XX/XX/2024 the funds were available and then at XXXX XXXX my account showed an administrative hold of XXXX when I called basically I asked for a supervisor and they said there was no supervisor available and told me I had to call back the next day. There's absolutely no reason on earth that these people should be allowed to hold money and make my account negative after they account funds had already posted and it was a direct deposit and a tax refund. How dare these people think that they can play with peoples money like this and do things that are unlawful
Consumer complaint received 2021-03-31
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. (IN)

Transunion is STILL showing my report for them as having 22 accounts. None of the other 2 bureaus are. All of my student loan accounts have been removed. I've literally complained and mailed letters and they have NOT been updating my report with any changes even thoughXX/XX/XXXXand XX/XX/XXXXhave. It's been well over 30 days for this, also. They just keep extending everything and not changing a thing. Why? Legally they are not following law.
Consumer complaint received 2021-02-10
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

ATTENTION TO XXXX XXXX XXXX  I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1500.00} does not belong to me. This account was fraudulently opened through this company XXXX XXXX XXXX  in XXXX of 2015 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.
Consumer complaint received 2020-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (AZ)

Approximately 15 days ago I submitted a complaint regarding the extended fraud alert through Experian asking for this alert to be REMOVED due to the alert holding my credit score down and my ability to acquire credit. A week ago Experian responded saying due to the fraud alert they need proof of identification. So, Experian is again refusing to take off the fraud alert and continuing to hold my credit down. I want the extended fraud alert taken off! Experian is ruining my life, my next step will be a federal lawsuit.
Consumer complaint received 2022-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

On Friday XX/XX/XXXX, XXXX XXXX of XXXX XXXX responded to a query for reporting renter payment history to Transunion. Per the landlords XXXX and XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX signing the furnisher agreement XX/XX/XXXX ( attached ), I as the renter was going to be provided service from Transunion. 
As of XX/XX/XXXX, there has been no service provided. The landlord in an email indicates that XXXX and the agent is not to be contacted by myself.
Consumer complaint received 2021-09-17
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. (CA)

MY NAME IS XXXX XXXX AND I'M SUBMITTING THIS COMPLIANT ON BEHALF OF MYSELF AND MY WIFE BECAUSE OUR MORTGAGE IS NOT REPORTING TO OUR CREDIT REPORTS. WE CONTACTED XXXX XXXX AND THEY SAID THEY REPORT EVERY MONTH SO IT MUST BE THE CREDIT BUREAUS AT FAULT.
Consumer complaint received 2021-03-31
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (NV)

Car loan was re-financed with XXXX XXXX and GM financial is still reporting that my account is open with them on credit report. They are also reporting two late payments on my credit report, which they were just moved to the end of the loan. I called twice and still can not get this resolved. It is impacting my credit profile and dropping my credit score. 

Gm financial needs to report to all credit bureau 's that the account is closed, paid in FULL, and they need to update the bureau 's that there were not late payments. If not corrected within 30 days, I will seek legal action.
Consumer complaint received 2021-09-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: HW Holding, Inc (FL)

I won an eviction case against the original creditor XXXX XXXX XXXX on XX/XX/2021 on XX/XX/2021 the oc  retaliated against me by reporting the balance over to a debt collection company Hunter Warfield IncXXXX At the time I reported the debt collection attempt to the eviction attorney and also to the consumer protection agency and have an ongoing case ( XXXX ) with investigator XXXX XXXX and she has been great and has worked to get the issue somewhat resolved but while this is going on the oc is still aggressively reporting me to collections and on my credit report opposite of what they are saying in negotiations. This is causing a lot of undue stress mental health issues and financial hardships
Consumer complaint received 2021-03-31
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (CO)

On XXXX, after having started the refinance process back in XXXX of XXXX, I was told that I was declined due to a debt to income ratio of 53 %, I have provided to Penny Mac my bank statements and tax returns that show my taxable income in XXXX was {$130000.00} and that my taxable income in XXXX was {$190000.00}. 
The loan I am refinancing is currently 3.625 % with a payment of {$2400.00} per month XXXX XXXX XXXX. The principal amount is {$340000.00} with an appraised value of over {>= $1,000,000}. The loan I am applying for would be a 30 year conventional at 2.5 % with XXXX of a point buy down. The payment would be approximately {$2000.00} per month XXXX XXXX XXXX. 
My monthly bank deposits support my taxes. Explain how you can you decline me on a debt to income ratio of {$2000.00} a month mortgage against {$190000.00} of income. 
Penny Mac has extended the rate lock twice at their expense, since any delays have been on their part. I have left several phone calls and sent 3 e mails requesting a call and have not been able to get an explanation.