davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lending Club Corp (CA)

On XX/XX/2019, I called LendingClub Corporation for a payoff statement. The representative told me the amount of {$7500.00} to pay off the account by check, which must be received by XX/XX/2019. She declined to email me a document with that information and instead directed me to download the statement from my account on the LendingClub website, which I did ( attached ). 

LendingClub said they received the check on XXXX XXXX. I called them for an account status on XXXX XXXX and the representative said the check would take up to 10 days to process. I called again on XXXX XXXX and the representative said I owed an additional {$1500.00} in interest. I replied that the interest amount was not indicated on the payoff statement, but the representative said I still must pay the interest for my account to be paid in full. 

LendingClub representatives have since called me on XX/XX/XXXX and XX/XX/XXXX requesting the interest payment. I explained that I dispute this amount because I believe their actions are illegal. On XX/XX/XXXX, the rep said my account will be sent to reporting agencies as delinquent.
Consumer complaint received 2018-03-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UMB FINANCIAL CORPORATION (MO)

I have a health savings account with UMB Bank. On the online portal it says it takes 2-3 days to process deposits. However, without fail, every time my deposit is made it takes 10 or more days for them to make the funds available to me. Which puts me in a financial hardship situation where I can not go see my doctor because the funds allocated to do so are not being made available to me in a timely manner. 

I have called them and complained, and when I call and complain they can magically make those funds available when you threaten to contact the CFPB. However, unless I call to complain on average it takes 10-14 days for them to make funds available to me.
Consumer complaint received 2019-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Transunion makes it extremely difficult to file disputes online. They tell you to click on things that never appear on the screen. I have screen shots of the whole terrible time i had trying to file a dispute. They say click on 'start an investigation ' next to the listing youd like to dispute but there is no such item. They clearly want to deter people from filing a complaint online. Im going to have to submit by mail lets see how thst goes they probably will claim they never received it. As you can see on the attatchments i uploaded you will see their instructions to click view in the results column but their is no such colum and when i click on my name it does nothing.
Consumer complaint received 2019-03-11
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (PA)

We received our XXXX XXXX XXXX statement by mail on XX/XX/2019 and I immediately payed the amount of the bill ( {$95.00} ) via our online banking account with XXXX XXXX XXXX. I called XXXX XXXX and they verified that a check for that amount ( {$95.00} ) was sent by XXXX XXXX to XXXX  XXXX  on XX/XX/2019 with expected arrival no later than XX/XX/2019. The due date on the statement was XX/XX/2019. Please note that the due date was only 10 days from the time I received my statement and that most credit cards give you closer to 21 days. 2-3 days ago we received another statement from XXXX XXXX XXXX showing a late fee of {$27.00} and a finance charge of {$2.00} because our payment was not received until XX/XX/2019, 17 days after XXXX XXXX had mailed the check. When I spoke to the XXXX XXXX " customer service '' representative, I was told that they had no control over mail delivery and that we must pay the fee and interest charge. We had a similar scenario with a different retailer, but same bank, about one month ago. After much time and effort they grudgingly waived the late fee.After going online, I found that there were multiple similar complaints against XXXX  XXXX and their tactics. I think they are running a customer scam to collect late fees. Please help! Thanks. XXXX XXXX XXXX
Consumer complaint received 2019-03-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I went in-branch to open a checking account and they assured me that they could match {$600.00} bonus offered online. XXXX XXXX  XXXX I checked via online messages and they said I qualified repeatedly. I still wanted to make doubly sure and then they said no. It seems the in-branch person was misinformed or misled me.
Consumer complaint received 2022-04-28
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. (TX)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B : States : 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 2020-11-24
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. (FL)

Around XX/XX/XXXX, XXXX-currently, I contacted XXXX XXXX XXXX ( XXXX ) by phone regarding my situation due to Covid-19. I explained my current financial situation with my hours being cut and experiencing a furlough. This information was explained in its entirety to an upper level manager, who refused to empathize with my situation and provided no resolve for the issue being discussed. I further explored options to notify and file a complaint with the XXXX regarding this incident, the complaint is still active on the XXXX website with no resolve. After a few weeks, I received notification on my credit report regarding the account with XXXX and the late/delinquent payment, which continues to affect my personal credit score. I filed a complaint with the credit reporting agencies and this situation is still causing a negative impact on my credit.
Consumer complaint received 2023-04-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

My account was restricted by Bank of America. I called multiple times to lift the restriction so I can withdraw and make payments using my checking account. However, as of today, I am still unable to use the cash in my account despite everytime the agent promised that " the problem has been solved ''.
Consumer complaint received 2022-04-28
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: PENNYMAC LOAN SERVICES, LLC. (NC)

XXXX XXXX XXXX ( PENNYMAC LOAN SERVICES ) claimed I did not make my mortgage payment in XXXX, 2017. 
- I made one payment on XX/XX/2017 to XXXX XXXXXXXX XXXX XXXX XXXX ( the original lender ) ; - I made a second payment on XX/XX/2017 to PennyMac ; - I made a third payment on XX/XX/2017 to PennyMac. 

PennyMac reported my account as late for XX/XX/2017 which is inaccurate. I have reached out to PennyMac and the credit agencies several times to get this removed. However, it remains reported late.
Consumer complaint received 2024-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (MS)

Sofi has locked my account since XX/XX/2024. I called everyday to see what was going on with it, since every XXXX  I have is in the account. Finally XX/XX/XXXX they tell me the IRS is requesting the money to be returned. I call the IRS and remain on the phone for hours to find that the IRS did not request anything from so fi in regards to my account. I call so fi and they say that the investigative team said they were closing My account and to call the irs back. I am on hold but the IRS is likely to tell me the same thing again. I just want my money. Sofi is in the business of taking peoples money and doing what they please XXXX XXXX XXXX
Consumer complaint received 2022-04-28
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (CA)

My husband is a XXXX XXXX XXXX XXXX  and we decided to refi our home from a conventional loan to a VA loan and take advantage of the low interest rates. We decided to go with Guaranteed Rate due to the LO. XXXX XXXX was exceptional! I noticed in XXXX when they paid the first County Tax installment that the taxes for impounds were not set up correctly. I called on XXXX and advised that XXXX things needed to be fixed. 1. I asked to have the annually tax amount updated to the correct amounts {$2600.00}. That the tax amounts they set the tax impounds up on were incorrect. They set the impound account up with {$4100.00} a year and the actually yearly impounds are {$2600.00}. 2. I asked for the overage in the impound account be refunded. 3. I asked that the monthly PITI payment be corrected as it should be reduced due to the taxes being less. In XXXX I received a refund check for {$750.00} for the overage for the taxes. As I stated my husband is XXXX XXXX XXXX XXXX and he was having some health issues so I dod not follow up again about not correcting the other 2 items. I saw in XXXX that they paid the next installment of taxes due and that they paid the correct amount of {$1300.00} but they still had not corrected the impound overage due to me of apron {$1500.00} nor had they adjusted the PITI payment or updated the actual tax amount. I called back in around XXXX and requested the three times be corrected. 1. I asked to have the annually tax amount updated to the correct amounts {$2600.00}. That the tax amounts they set the tax impounds up on were incorrect. They set the impound account up with {$4100.00} a year and the actually yearly impounds are {$2600.00}. 2. I asked for the overage in the impound account be refunded. 3. I asked that the monthly PITI payment be corrected as it should be reduced due to the taxes being less.I was told it would take up to 10 business days. I called in around XXXX and was given the run around. I advised I would be filling a CFPB Complain and put on along hold when the representative came back she advised me it would be XXXX business days. I logged back into my account after XXXX business days and can see that have changed the taxes to reflect the correct installment amounts but my escrow balance is still showing the overage and my PITI payment has not been lowered. I have been trying since XXXX to get this relieved its clear I can't do it on my own.
Consumer complaint received 2019-03-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

On JXX/XX/XXXX I started working for a company that sent me a fake check. On XX/XX/XXXX I went to Bank of America in XXXX, WA ( XXXX XXXX XXXX XXXX, XXXX, WA XXXX ) to cash the check having no idea what was happening and the bank closed my account immediately without even notifying me. When I went in to ask about my account they just said " I am sorry you committed fraud and will not be allowed in a bank of America establishment. '' I was XXXX XXXX XXXX at that time with no intention of ever committing any fraud. 

They wouldn't work with me to help me sort out my issue. Just XXXX all my accounts, sent my balance in a check and never helped me with anything. I tried going to the same location to find answers and they were not helpful whatsoever. 

I went next door to XXXX and they opened me a checking account without any questions so I didn't even know I had a block on my account until last week. Now I am married and tried to get an account with my husband and XXXX XXXX denied my request.
Consumer complaint received 2023-04-04
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2023-04-04
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: Bread Financial Holdings, Inc. (CT)

In accordance with the fair credit reporting creditors have violated my rights.

15USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 second 604 A section 2 : It also states a consumer reporting agency can not furnish an 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 purpos
e.
Consumer complaint received 2019-03-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (GA)

I opened a business checking account and merchant services because they offered a rebate and the fees were cheaper than my current provider. Fees were to be waived until XX/XX/2019 and when they did come they were to be taken out of the XXXX rebate according to the agent. Instead my account was charged for {$99.00} and XXXX even though I got a letter saying it was waived and since the account was new it only had opening balance which caused it to overdraft. I contacted the bank directly and they could not reverse and the agent has not reversed as he said and has since not been responding as readily since I told him to close the account and reverse fees.
Consumer complaint received 2018-05-04
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: Onity Group Inc. (FL)

When I was XXXXyrs old my mom had me cosign a mortgage with her in XXXX. Years later she defaulted on her payments because she went on XXXX. In the process she was trying to get the loan modified, I put a quit claim deed on the house because I never lived in it as I was advised to do so by the company ( I live in XXXX  ). While the modification was getting approved Ocwen told her not to make the payments. I never signed modification, I never in my life made payments, the company will not speak to me being that I am not on the modification yet they have and are reporting Me to the credit bureaus and have ruined my chances of many loans including a VA Loan with my husband. I have hired several companies to help fix the issue, but they haven't had any luck. The modification strictly states that only my mother is listed as owner/responsible party. They need to remove the account from my credit or remove the late payments completely.
Consumer complaint received 2018-03-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (MO)

In XX/XX/XXXX I renewed my contract with XXXX XXXX to continue services. In XX/XX/XXXX I moved to a new address. My contract states that if I move and service is not available at my new address my contract is cancellable with no penalty. I notified XXXX XXXX, now XXXX XXXX XXXX, of my move. They sent a technician to my new home to instal the service. the technician informed me I had no " line of sight, '' so service couldn't be installed. He also told me he'd inform XXXX XXXX. Because of his statement I secured service through XXXX. I later received a bill for cancellation of service from XXXX XXXX XXXX for {$290.00}. I spent the next 4 months talking to various people at XXXX XXXX XXXX, including their " office of the president, '' discussing the amount was not owed. They admitted and agreed it was not, but rather than cancelling the debt they want me to pay the bill and they would then send me a gift card, an offer I declined. They finally let me know they'd write it off and I would not have any further issues with collections. In XX/XX/XXXX I received a bill from Diversified Consultants XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL ( XXXX ) XXXX trying to collect the XXXX XXXX XXXX account. They were notified the debt is not owed. I contacted XXXX XXXX XXXX the same day and was informed the account was cleared and I did not owe the debt. Diversified Consultants has now placed collection account notifications in all of my credit bureaus for this. I have requested a debt verification letter from Diversified, however, i do not owe this debt and would appreciate any help you can offer.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Dear Transunion I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX  XXXX Account Number : XXXX Delete this account. 

5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Delete this account. 

7. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 8. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

9. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

10. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : 11 Please update- All New Reporting Information to- paid as agreed and current 11. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 12. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

13. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

14. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Delete this account. 

16. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 17. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

18. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
19. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.