davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (CA)

Due to the Covid19 quarantine in XXXX county in XX/XX/2020, my household financial income was affected and thus I elected to enter into my Target Redcard proposed payment plan to help with making payments. I in effect closed my Target Redcard account and entered into a payment plan. At that time I was in need of paying my XX/XX/2020 minimum due in the amount of about {$32.00}. When applying for the payment plan which i was subsequently approved for, I understood from the text of the agreement that the XXXX payment would be optional since the first payment to be drafted was dated XX/XX/2020. This is what the application stated, however upon checking my credit report the following month, I showed 30 days late on my Target Redcard for missing my XXXX payment. Until i applied for this payment plan due to Covid19, I had Never Missed A Single Payment on my Target Redcard. i had paid my card on time for the previous 8 years, never missing a payment and going 30 days late. I disputed this originally in the spring and was told the dispute was " resolved by grantor '', however it still shows a 30 day late mark on my credit score. This is very important to me that I resolve this problem. I am currently enrolled in the above mentioned payment plan and pay each month a fixed amount to my Target Redcard. This dispute was corrected under my XX/XX/XXXX credit report via XXXX XXXX on XX/XX/2020.
Consumer complaint received 2020-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NV)

I have made the initiative to review my credit report and upon my investigation I have identified an inaccurate item that has been placed on my report. Please be aware that the account referenced above is an account which has been discharged and dismissed under 11 U.S.C 1328 ( a ) and is still reporting as a derogatory on my credit file. This account needs to be removed from my credit report immediately. I was unaware of the account on my file until I wanted to get an update on my scores
Consumer complaint received 2020-10-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: FIFTH THIRD FINANCIAL CORPORATION (WA)

I moved from XXXX to XXXX, and need to get a XXXX title. I called my lender, Fifth Third Bank, for a faxed copy of my title, and they stated that all title matters were handled through XXXX. 

On XX/XX/XXXX, I tried to initiate a state change from the XXXX website. It said the fee would be {$36.00} to mail the title to my new state 's vehicle license office. 

I decided to call them instead at XXXX to see if they could fax the title, as it should be cheaper and faster to fax the title. When I talked to the agent, I asked them if they could simply fax the title over, they said no, they can only mail titles because " it is a legal document ''. 

They said it's a {$43.00} fee over the phone or {$36.00} online. I said that frankly that fee seemed a bit outrageous and asked if they could waive the fee, they said they can't, but they could refer me back to Fifth Third if I wanted to take it up with them.

I talked with my local vehicle licensing office, and they had never heard of such a title fee. The person on the phone sounded surprised, and frankly, this seems like a ripoff to me. I didn't realize the fees would be so high, and if this was disclosed, I would have chosen another lender.

So I decided to contact Fifth Third again on XX/XX/XXXX. The agent XXXX was very friendly, but informed me that yes, all title matters have to go through XXXX. I told her that the fee seemed really high, and she said that was the only option. 

Which brings me here. Fees of this nature should have to be disclosed upfront, like they do with credit cards. I find this fee outrageous and excessive. The fee itself is not the problem, I am upper middle class, but I do not feel it is morally right to pay this fee without bringing attention to this new practice. It turns out that a lot of auto loan vendors have taken to using XXXX, I'm sure that it greatly reduces their costs, and perhaps they even receive a kickback, leaving the customer to foot the surprise bill. 

Not to mention the fact that mailing the title is slower and less secure than fax. What if the title gets lost or stolen? I read multiple horror stories online of this happening with XXXX.
Consumer complaint received 2020-04-28
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. (MS)

Transunion is reporting an account that I have explained was fraud. The account that is listed as XXXX XXXX {$500.00} does not belong to me. This account should be deleted. Please delete this fraud account being reported in my name.
Consumer complaint received 2021-08-18
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: SYNCHRONY FINANCIAL (MT)

On XXXX I started an application with Care Credit XXXX Synchrony Bank. On their website it says that the beginning of the process IS NOT a credit application and the application is to see if I pre-qualify. 

I went 1/2 way through the application process and then quit, thinking I could pick the process back up. 

I could not. I called and was told that my credit was run with XXXX XXXX and that my application was declined, but they could not tell me why. 

Their website specifically said that my credit would not be run, and now I can not apply with their organization for a loan. 

This is misrepresentation of how they are handling credit, and I believe that there are lending regulations regarding proper disclosure of if your credit is being run for a credit card. ( Card Act ) I have a screenshot showing their website specifically states that the request is NOT a credit application.
Consumer complaint received 2020-10-28
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MEGASTAR FINANCIAL CORP (CA)

Megastar has a one time payment option on website and company has denied my access to link with no warning. I was also put on a payment by certified check with no warning by the company. 

Im on XXXX XXXX with the military and the stress that this causes me is unbelievable. 

I will be submitting a daily CFPB complaint until this company resolved.
Consumer complaint received 2020-12-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion continues to update my investigations without providing me the information that they're using to verify these accounts. I just find it quite strange that they're able to verify but the other bureaus could not and removed the items as stated per the FCRA.
Consumer complaint received 2020-04-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IL)

My mortgage company, Mr. Cooper, has not made any payments for my XXXX property taxes for my townhome which I presently live in. Since my loan is escrowed for property taxes by Mr. Cooper the taxes should have been paid and my account should not be way past due and delinquent. I had mailed and emailed the property tax statements to the addresses listed on XXXX XXXX website last year and have not received any responses as of yet. 

On XX/XX/2020, I spoke to XXXX XXXX, Home Advisor for Mr. Cooper XXXX XXXX ) and she suggested that I email the property tax statements to her and she would escalate the request and forward them to the tax department. As of today, XX/XX/2020, I still have not heard from anyone from Mr. Cooper that this matter was taken care of, therefore, these taxes are still delinquent. I sent an email to XXXX XXXX and her supervisor XXXX XXXX XXXX XXXX ) on XX/XX/2020 and also left messages on their voice mail to return my call and have not heard from either of them, therefore, I forwarded a copy of their email to the Consumer Affairs email. 

On XX/XX/2020, I called the offices of Mr. Cooper again and spoke to 2 different people because I got transferred around again. One person told me payment should have been paid XX/XX/2020 and transferred me to another person who put me on hold for a half hour and never came back on phone and I got disconnected which made me very upset. I feel like I am getting the run around.
Consumer complaint received 2020-10-28
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. (TN)

. I submitted dispute letters to XXXX, XXXX, and Transunion notifying them of the accounts that did not belong to me on XXXX I have yet to receive a response or credit report. The bureaus are in violation of my consumer rights. 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. ). The disputed items are entirely inaccurate and represents a very serious error in reporting.
Consumer complaint received 2021-04-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harris & Harris, Ltd. (NY)

In XXXX, I lived in an XXXX XXXX ( WI ) and was traveling in XXXX  I was issued a {$100.00} " XXXX XXXX XXXX  '' non-criminal traffic ticket ( complaint number XXXX XXXX in XX/XX/XXXX in XXXX. In XX/XX/XXXX was arrested, handcuffed in XXXX for failure to pay ticket. 

In XXXX of XXXX, I appeared in court XXXX case number XXXX XXXX to settle all debts and pay all fines. I wrote checks to the court and went on with my life. I never heard from that court or was notified of any additional fines. 

XXXX of XXXX, I moved to XXXX and began forwarding all my mail. I have not heard anything, I pay all my fines and bills. Today, Im the XXXX  of company, married and my credit score is XXXX on XX/XX/XXXX I received a notice from Harris & Harris of Chicago a debt collection agency that works with Circuit Court in XXXX XXXX Il of an outstanding debt of {$130.00}. 

The issue here is, circuit courts around the country have had a pattern of issuing fines, fees, warrants and mandatory court appearances with the goal of producing revenue not protecting society or maintaining order. The ethical implications for such practices should be examined. This instance is a prime example of how these court systems behave. Please investigate why a Circuit Court in XXXX, XXXX is sending a {$100.00} to collections after 16 years long past any Statute of Limitations has expired.Please hold someone accountable for the terrible bookkeeping but more importantly sitting on a debt and not notifying the recipient when they made every attempt to stay in contact, pay all fines and pay all debts to society. 
This is only {$100.00} and I could easily pay it and supposedly be done but the precedence of such an institutions in mass behaving this way toward all of society should be examined and corrected. I worry for the people with less means under the thumb of such an unethical and error prone legal system.
Consumer complaint received 2022-11-17
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: NAVY FEDERAL CREDIT UNION (MS)

YOU ARE BREAKING THE LAW!! It is illegal to furnish income on a consumer report! A charge-off, according to the IRS is defined as gross or ordinary income and income is not supposed to report on my consumer report! You HAVE NOT sent me a XXXX! XXXX XXXX Code XXXX - Responsibilities of furnishers of information to consumer reporting agencies ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.I DEMAND YOU REMOVE the following information from my consumer reports immediately ; Navy Federal XXXX XXXX opened XX/XX/XXXX for {$1100.00}, Navy Federal XXXX XXXX opened XX/XX/XXXX for {$27000.00}
Consumer complaint received 2020-10-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

Refinancing my primary home with Interactive mortgage, they sent me a final statement stating I have second mortgage of {$5200.00} With Wells Fargo my mortgage company I have now. Interactive mortgage will not do the refinance unless I pay them that second off, So I called Wells Fargo to pay the amount I owe But they would not let me do it stating I would have to pay my entire first mortgage {$330000.00} Before I can pay off second of {$5200.00}. 
Which is UNFAIR, UNETHICAL and Fradulent! so they can keep my mortgage with them. 
Please help deal with them. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-15
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (FL)

On XX/XX/XXXX, I try to Re-open my home equity credit line, because without any notice Truist Bank closed in XXXX. My daughter needs a medical procedure and I need the money in my Home Equity the total credit line is {$200000.00} and my balance that supposed to be available is more than {$35000.00}. They request from me a lot of documents, that I provide a few years ago when I open the home equity, XXXX weeks later, they send me that they can not open my balance, because I have been made late payment in XX/XX/XXXX, and because I have a collection account in my credit report. The true is I have been never late, and all customer service operators in the same bank confirmed, I have my statements, and I don't have any collection accounts in my credit. In addition to these irregularities, they report as XX/XX/XXXX as late payment, this practice makes my financial situation very hard, I can't find money from another bank, and I need to resolve my daughter health. This bank has bad procedures, and they don't help the people, they only do that they want to do, the customer doesn't care.
Consumer complaint received 2020-12-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

This company insists on constantly reporting false and fraudulent debts on my credit report and is in violation of the FCRA. I have repeatedly requested through the credit bureaus to provide the contract bearing my signature engaging in a contract with the REPORTING company in order to validate any debt having that being the ONLY LEGAL VALIDATION of a debt per FCRA reporting. The LAWS are constantly being violated and this is now harassment and invasion of every privacy law in existence in California and Federally. I DO NOT OWE ANY MONEY TO this company and they are now falsely reporting this information violating the Fair Credit Reporting Act.A PROVIDE A DOCUMENT WITH MY " SIGNATURE '' let me repeat that ... MY " SIGNATURE '' ENGAGED IN A CONTRACT with said company for these fraudulent debts being reported or REMOVE from my credit file ASAP! ITS THE LAW! FOLLOW IT or be sued for damages! Third time this company is committing fraud on my credit file in past 3 years. They REMOVE the fraudulent reports and then fraudulently report new the fraudulent debts a year later.
Consumer complaint received 2021-02-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc ()

I m working with PayPal last year they asked me for all the necessary document to unlock my account. And last week the made a limitation on my account holding about XXXX USD ; I replay with all the requested document, but the customer service telling me each day I contact them the team reviews my problem and they will back to me less then XXXX. I m looking to have my problem solved by them.
Consumer complaint received 2020-10-28
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. (CA)

I had my credit ran today XX/XX/2020 at XXXX because I was trying to finance a phone with them however, I was unable to do so because apparently there are several accounts in negative standing appearing on my credit history. I was surprised to hear this because I rarely even use my credit and when I do, I always make sure to pay everything on time. I looked through a copy of my credit report and I saw four accounts that are not mine. Three accounts are from a company called XXXX XXXX and One account is from a company called XXXX XXXX XXXX. I never opened any account with either of those companies nor did I give anyone permission to open these accounts in my name. I do not have any written or verbal contract with these companies nor did I benefit anything from these accounts such as money, goods, services or any other benefit and I did not contribute to any payments that might have been made towards these accounts. I have already filed a police report.
Consumer complaint received 2024-02-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (FL)

On XX/XX/24, my account was overdrafted due to the XXXX XXXX XXXX XXXX being compromised and froze all deposits. This has created a snowball where I'm getting hit with {$140.00} in overdraft fees on a daily basis. I turned off both debit cards but PNC refuses to put a freeze on XXXX Debits, which is going to continue to cause NSF/Overdraft Fees. I attempted to close the account to stop the continuous fees, to which I was told that they can not close the account due to the negative balance. So, while I wait for things to get resolved with my payment company, I'm continuing to get hit with XXXX debits and incurring more fees. I would like for PNC to either freeze the account completely or close the account immediately.
Consumer complaint received 2020-10-28
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)

I had my credit ran today XX/XX/2020 at XXXX because I was trying to finance a phone with them however, I was unable to do so because apparently there are several accounts in negative standing appearing on my credit history. I was surprised to hear this because I rarely even use my credit and when I do, I always make sure to pay everything on time. I looked through a copy of my credit report and I saw four accounts that are not mine. Three accounts are from a company called XXXX XXXX and One account is from a company called XXXX XXXX XXXX. I never opened any account with either of those companies nor did I give anyone permission to open these accounts in my name. I do not have any written or verbal contract with these companies nor did I benefit anything from these accounts such as money, goods, services or any other benefit and I did not contribute to any payments that might have been made towards these accounts. I have already filed a police report.
Consumer complaint received 2023-03-23
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. (TX)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX Balance {$1600.00} XXXX XXXX XXXX  Date of Inquiry : XXXX .
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bridgecrest Acceptance Corporation (VA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-10-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HILLTOP HOLDINGS, INC (GA)

Primelending. 
My house sold and closed was on XXXX. Mortgage was paid off at closing. 
Over XXXX in escow to be paid to me. No communication from Primelending about my escrow refund. I called in late XX/XX/2021 and was told the check was sent on XXXX but was returned by the USPS ( no tracking number as it was sent regular U.S. mail ). I updated my mailing address with PrimeLending ( although my current home is mortgaged through Primelending so I am in their system but it is a different loan number. 

I have called XXXX and was told it was due to go out XXXX and I needed to allow for 14 business days for it to get to me. 
Called on XXXX ( spoke with XXXX XXXX who stated I need to give it 14 business days as it was processed on XXXX and sent via US.mail. 
I called on XXXX ( spoke with XXXX ) who said it didn't look anything was sent out on XXXX and she would put in a new request. I requested to speak with a supervisor and was placed on a lengthy hold. She came back on and told me that a supervisor was not available as they " are very busy ''. She stated she would have a supervisor call me back. 
Called XXXX ( spoke with XXXX XXXX as no one called me back. XXXX said that XXXX put in a new request and it should be ready by XXXX but they could not overnight it to me or send via certified mail so we could track the payment. I was told there was nothing else that could be done and when I asked to speak to a supervisor, I was told they were going to tell me the same thing he ( XXXX XXXX did. I asked to speak with a supervisor and was placed on hold.