davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I was informed that under my credit report specifically from XXXX I appeared as an authorized user of a Bank of America credit card that seems to be charged off or in collections. When I called XXXX they said they could not remove this and that they needed to submit a case to BOA. They also suggested I reach out to BoA myself. When I did after multiple hours of research and being transferred to multiple departments no such account exists under my SS #. All my accounts with BOA are current and in good standing. I even had them look into my deceased grandmothers account which could have been the only possible scenario of who would have added me as authorized user. And again all the research resulted in them not being able to find anything that links back to me. I am in the process of a very important purchase with a closing date of XX/XX/24 and at this point this situation is putting that in jeopardy. I am at risk to not have this resolved on time both XXXX and BoA state it takes approximately XXXX for a solution.
Consumer complaint received 2019-05-08
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: Experian Information Solutions Inc. (IL)

The experian company continues to report this inaccurate account in my credit file. I have done everything under the law to prove this account was open in a fraudulent matter with no response from the creditors and the experian company. I've taken the extra step to attach my FTC and Police report in another attempt to clear my name.
Consumer complaint received 2019-10-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Credit International Corporation (WA)

I received a collection notice after never receiving a bill. I tried contacting the landlord and he refused to speak to me so I contacted Credit International Corporation. The person I spoke with emailed a copy of an invoice and when I tried to ask questions about never receiving any notification that there was money owed, he hung up on me. I followed the option on the letter and wrote in that we were disputing the charges and mailed it on the XXXX of XXXX within the 30 days. I received a conclusion notice back on XX/XX/XXXX stating that the debt had been verified. I tried calling and talking to someone again but the first local number listed on the paperwork was disconnected but I got through with the 800 number. I then spoke to XXXX and asked how they verified it. He would only tell me that their paralegal did it but would not explain anything beyond that. He then said that he was going to note on the account that I wasn't willing to pay it and they would take me to court. He then hung up on me again. I do not feel that I should be sent to collections over charges I wasn't aware of, especially when I still live in the same townhouse that the fees were supposedly accrued. I was never notified by my landlord in anyway that I had any outstanding balance until he sold this property to another company. After the sale, myself and at least one of my neighbors then received these collection notices. Nobody has attempted to make any kind of payment arrangements of any kind with me. They just say they are going to take me to court and hang up on me.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2020-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CO)

XXXX  ; Experian and XXXX  are incorrectly reporting that I am ( 120 ) days late on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Consumer complaint received 2016-02-03
Product: Other financial service — Check cashing
Issue: Fraud or scam — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I was awaiting a check in the mail. I received an email stating that the check had already been cashed. They emailed me a copy of the check with a my signature forged. The person that cashed the check cashed it at ACE Express on XXXX XXXX in XXXX Texas. Prior to her cashing the check at that location she went to another Ace On XXXX XXXX and was not allowed to cash the check because she did not have an identification or drivers license. So to shorten the story she was allowed to cash my check without Id and I am still waiting to receive my money as well as speak with someone with Ace.
Consumer complaint received 2021-02-26
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC (LA)

XX/XX/XXXX-Forbearance resolution letter to Loan Depot. Asked for resolution by XX/XX/XXXX payment. 
No response XX/XX/XXXX -Sent follow up request in writing asking for a Deferral repayment plan. 

Letter dated XX/XX/XXXX but not received until XXXX ( Not received until XXXX XXXX denied request because you could only have one active assistance at a time. - Never had a choice XX/XX/XXXX Received loan modification papers. Interest rate was increased to XXXX from XXXX XXXX which we bought down XX/XX/XXXX. ) Phoned XXXX told VA set the interest and we could not adjust the interest rate. and we had to authorize the Modification or the offer would be with drawn. 

FAXed appeal letter on XX/XX/XXXX No response. ( they have 30 days to respond XXXX XX/XX/XXXX - Asked for VA confirmation. 

We are XXXX XXXX XXXX seniors living strictly on Social Security. Payments will increase by {$50.00} a month.
Consumer complaint received 2018-06-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (CA)

On XXXX XXXX Someone used my debit card info to transfer funds from my checking account through Western Union in amount of {$870.00}. Same day did same thing for {$910.00}, but the later was cancelled. It was supposedly sent to my son in another state. I know my son did not receive this money. Whoever did this also put another telephone # in place of mine, but had my sons info correct. ( from prior, legit transfers ) I'm assuming. I called my financial institution to report the fraud and currently their is a claim on file. I called Western union, by advise from my bank on XX/XX/18. They took my info and tracking # 's, gave me a case file # and told me to call proper authorities to get this investigated, with their full cooperation. W/U also told me {$910.00} was not taken, but {$870.00} was already picked up from receiver. Because of this, my acct. was overdrawn by over {$700.00}. However, by XX/XX/18. my account was back to the original amount, due to W/U denying the later transaction of {$870.00}. I have since gotten new debit card and changed my pin. I am afraid this can happen again, seemingly since it was so easy the first time.
Consumer complaint received 2018-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

On XX/XX/XXXX I call Transunion and their customer service would not help and take care of the negative inquires reporting on my credit report. They are as follows : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Card XX/XX/XXXX
Consumer complaint received 2024-01-30
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Better Mortgage, Inc. (CA)

On XX/XX/XXXX I emailed XXXX XXXX from Better Mortgage regarding the discrepancy between the funds I was to receive upon closing of {$840.00} ( per XXXX XXXX 's email on XX/XX/XXXX ) and the amount due on the day of closing of {$81.00}. XXXX XXXX had informed me via email that " The portal account is not always updated with the latest figures so you would want to go by what you see in closing documents and what we have mentioned which you would be set to receive the additional funds. If you did give notary a check, that will be sent back to you or you can also cancel it. ". By the time I received his email, the check was already processing and could not place a stop payment. The loan amount also changed on the day of closing from {$140000.00} to {$140000.00}. On XX/XX/XXXX, the day before funding, I was referred to XXXX XXXX to straighten out this issue. The contact I was given at XXXX  XXXX did not respond to two of my emails, so I reached back out to XXXX XXXX who got me in contact with XXXX XXXX at XXXX XXXX, who emailed me today ( XX/XX/XXXX ) that they were unable to help me and to contact Better Mortgage. XXXX XXXX from Better Mortgage has yet to provide me with an answer as to the discrepancy of the loan other than " I believe the discrepancy may have been an additional item being paid off from your tradelines so I just want to confirm if that is the case first between title and our team. ", on XX/XX/XXXX. I feel that this violates the Truth in Lending Act by misrepresenting the loan amount and funding details.
Consumer complaint received 2018-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I dispute many times and they never solve the issue. I call Equifax by the first week of XX/XX/XXXX and submit personal documents. They never answer. I dispute Inquirys from, XXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX, XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. Also Equifax had change my name for XXXX XXXX XXXX XXXX and my name is XXXX XXXX XXXX.
Consumer complaint received 2024-03-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: DISCOVER BANK (IN)

Discover Bank XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX RE : Product Complaint Unauthorized XXXX XXXX  Transactions Dear Discover Bank, I am writing to express my dissatisfaction and file a formal complaint regarding the unauthorized transactions that drained my Discover checking account on XX/XX/XXXX. Despite being a loyal customer since XX/XX/XXXX, I have been subject to a serious breach of my account, resulting in the loss of over {$1500.00}. The unauthorized transactions were made through a XXXX XXXX account that was not linked to my own and that I have never recognized. Upon discovering the fraudulent charges, I immediately reported the incident to Discover Bank on the same day. I was told I had to wait until the XXXX to call back and file a dispute because the charges were still pending. However, despite following your instructions, I was denied a dispute and reimbursed only {$15.00} for XXXX of the transactions. Subsequently, I contacted XXXX XXXX and obtained confirmation that the transactions originated from another individual 's account. I provided Discover Bank with this information, along with a police report, screenshots, and a transcript of my communication with XXXX XXXX. To my astonishment, my dispute was closed and denied without my knowledge or consent. When I questioned this decision, I was repeatedly told that the documents I provided did not support my case. I find this response unacceptable. The evidence clearly demonstrates that my account was compromised, and that the charges were unauthorized. Furthermore, Discover Bank 's promise of {$0.00} Fraud Liability Guarantee has been violated. I have repeatedly escalated my complaint and demanded a resolution. However, I have been met with indifference and a lack of accountability. I have spent countless hours providing documentation and evidence, only to be dismissed and denied justice. I am deeply disappointed by Discover Bank 's failure to protect my account and its apathetic handling of this matter. If this complaint is not resolved promptly and satisfactorily, I will have no choice but to escalate the matter to the Consumer Financial Protection Bureau and consider legal action. 
Sincerely, XXXX
Consumer complaint received 2020-06-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NJ)

During COVID I locked down for a while. I told Bayview Loan servicing my mortgage servicer in mid XXXX I was not letting the new back up buyer inspections and appraiser in the house until COVID was over. They were fine with it. Then COVID broke in NJ end of XXXX as Governor lifted many tasks to be able to close including real estate and I scheduled the appraisal and inspection in one day. This was early XXXX. Then we sent the HUD with updated docs and the previous loan package dates changes to Bayview to the attention of my loan Administrator in asset management in charge of my loan for our short sale. Bayview seems to be a middle man for the real investor and they move very slow. 
So to update Bayview and not wait for 3 weeks for the list to come by mail and say we received your documents and are reviewing them, I called my loan Admin and she had a voicemail set up that said we could not schedule a meeting for at least three days and to leave a message that was Monday XX/XX/XXXX and I left the message., Friday today her associate called me to tell me to call XXXX and so I did. So that means in order to speak to my loan admin in asset management I have to wait at least 9 days. 
To add to things we need a loan approval because there is a second lien lender in this process breathing down my throat for updates and an approval from bayview. I am concerned the extreme slowness of bayview that my utilities in this house will be on till end of XXXX and I will be forced to pay for additional lawn work as well which is $ XXXX   monthly plus 1 weeding a month for {$250.00}. 
Unfortunately my credit cant handle the delays and I need this to be over so we can move on with our lives. The short sale by all practical means should close end of XXXX but because Bayview takes so long we are looking at end of XXXX or later and that's more added expense on me, expense I really don't need.
Consumer complaint received 2021-09-01
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (AL)

Since XXXX I have paid OneMain Financial {$1200.00} in interest fees. 

I have only paid {$370.00} towards my principal. 

Previously, around {$60.00} had been going toward my principal the past 2 months, only around {$30.00}. 

Is there not some sort of pay structure these companies have to follow? 

Can they just put whatever they want towards the interest/principal? 

I called them and told them they were going to have to lower my interest or come get my truck. Their reply was " we don't come get your vehicle, we're not in the used car business we'll just sue you for the money. ''
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (TX)

This complaint to CITICARDS CBNA for allowing inaccurate information and fraudulent accounts on my credit report. As I checked my recent credit report, the inaccurate information and fraudulent account still reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX.
Consumer complaint received 2023-01-26
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CREDIT ACCEPTANCE CORPORATION (AL)

On XX/XX/2021, I stopped paying on the car because it was a lemon. I was harassed about the vehicle and my creditworthiness was destroyed. There was a current balance left on the car for {$8600.00}. I attempted to reslve th
Consumer complaint received 2018-06-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: HEARTLAND PAYMENT SYSTEMS INC (CA)

I recently tried to change my loan payment frequency from quarterly to monthly, in hopes of paying it off a bit faster. The servicer charges fees for almost all types of payments, except " reoccuring payments '' drawn directly from you account or checks. When I attempted to set up a reoccuring payment in order to avoid these fees, it says " your fixed monthly payment amount '' when my loan is in fact on a quarterly schedule. I do not have the money to pay the quarterly amount every month but would like to pay a bit more each month to help reduce the debt. The servicer will not change the payment frequency from quarterly to monthly and says its a policy of the university. I asked to see the policy and their response was " believe me ''. I asked them why the wording on the account says monthly if they will not change my loan to monthly and their response was " the wording is wrong but we can't change that ''. This is making me feel as though they would like to make more money off of the fees that they charge instead of allowing me to make a reoccuring monthly payment. I would like any help with this that the Department of Ed can provide.
Consumer complaint received 2017-10-14
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: EQUIFAX, INC. (MD)

I had a XXXX XXXX Credit Card account that was removed from my Equifax Credit Report approximately 6 months ago. At this present time XXXX XXXX is currently on my report once again.
Consumer complaint received 2021-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BARCLAYS BANK DELAWARE (CA)

This has to do with my Barclaycard US credit card. I got notified after my payment was late that I had a {$20.00} payment due. I know I was on auto-pay, but they can't explain why my bank info wasn't there. 

Fine, this was less than 30 days after the due date, so I put in new bank information and submitted payment. I once again did not get notified that my bank returned payment for some reason. It wasn't until I was randomly checking my bank account online that it said the payment was refunded. 

I also now have a late payment on my credit report which had hurt my credit score. I've never been late on a payment before, so this is deeply disturbing for a ~ {$20.00} charge.
Consumer complaint received 2021-02-26
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: TD BANK US HOLDING COMPANY (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX Card, XXXX XXXX XXXX, and Nordstrom/TD Bank USA. The Account Opened is XXXX Card Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5000.00}. The Account Opened is XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is Nordstrom/TD Bank USA Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2020-06-26
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. (NC)

Equifax ; XXXX  and XXXX  are incorrectly reporting that I am ( 120-180 ) days late on the USD/XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) First, this account reports a {$0.00} balance and {$0.00} past due. Second, this account is currently being coded as an I5. This account should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, this account is being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove theis however, I have not been successful.
Consumer complaint received 2021-04-22
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (CO)

The last two years they say my escrow has changed, but they give no notification. They then hold the payment in escrow for in my case 22 days. They said my payment increased {$30.00} last year it was {$12.00}. They hold the money in escrow and due not give interest credit for that time period. I am sure they should be required to disclose all interest that they earn from doing this to thousands of VA loans. Veterans should not be subjected to this kind of fraud. They always say they have tried to contact the borrower, but can not provide proof. This is consumer fraud against our veterans. I am filing this complaint for all veterans who are subjected to this consumer fraud.