davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-19
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. (SC)

I had a XXXX credit card account that I disputed with the collection agency who was reporting it. After investigating, the collection agency sent me the results of the investigation and concluded that they were closing my account. The company stated they filed a Universal Data Form electronically requesting that the three major credit reporting agencies delete their trade line for this account on your credit reports. This was in XX/XX/XXXX and the credit bureaus removed the account. But it has appeared back on my credit report in the last year or so. I have disputed this multiple times with the credit bureau and explained that this should not be on my report because I do not have knowledge of the account. I sent certified letters XX/XX/XXXX to Equifax and XXXX and disputed online with XXXX requesting that they delete this inaccurate information. They bureaus refuse to delete the information from my credit file.
Consumer complaint received 2018-06-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: OLD REPUBLIC TITLE HOLDING COMPANY, INC (CA)

This Escrow officer cancelled my account after i challenged their office fees. 

XXXX XXXX Escrow Officer | XXXX County T : XXXX | F : XXXX | XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | XXXX XXXX | XXXX, CA XXXX oldrepublictitle.com or ortc.com How can she do that without my consent or knowledge? 
As i buyer, i do have the right to challenge fees, i have done it many times with builders, lenders, etc .... 

I am stunned that this has happened. 
I am buying 3 homes in a XXXX XXXX, and i am using XXXX XXXX XXXX for all of the paper work. 
I XXXX Loan Tie-in cost, and the result was that it is a fee charged when it involved multiple loans, many customers named that as a junk fee. 
The other fee i asked about was the exchange support fee. 

What she did i think was illegal. 

Please advice. I am now trying to get XXXX XXXX from the XXXX office to pick up this account. 

Regards, XXXX
Consumer complaint received 2019-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY (GA)

american express violated " FDCPA, FCBA and FCRA '', truth in lending act, breach of contract by closing account without sufficient cause/ improper account review ... i have been a loyal customer since XX/XX/XXXX and never late on any payments..this has caused severe financial hardship due to that this account is used for daily / monthly living expense to cover charges made while waiting on XXXX XXXX check per month and now since account closure i can not afford to pay current balance owed and make any other any payments being on fix income and single parent father of XXXXyr old daughter ... NOTE : I WERE I VICTIM OF FRAUD ON ABOUT XX/XX/XXXX AND THIS HAS CAUSED MY CREDIT SCORE TO DROP SIGNIFICANTLY DUE DISPUTE FRAUD CHARGES WITH OTHER CREDITOR " XXXX XXXX XXXX XXXX '' ..POLICE REPORT FILED WITH CITY OF XXXX, FTC AFFIDAVIT FILED AND VIA MY ATTORNEY ... ALL DOCUMENT OF STATED PROOF AVAILABLE UPON REQUEST
Consumer complaint received 2021-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: PNC Bank N.A. (OH)

I sparingly use my PNC credit cards so its easy to see when they charge more interest than they are supposed to its not hard got see. I carried over a {$200.00} balance on my credit card then 2 weeks later I paid my insurance of {$800.00} my charge wasn't even 2 weeks old but they calculated the interest for 30 days before I had a chance to pay the bill off the following month. I contacted them on XX/XX/29 but the customer service lady kept telling me the interest is based on the average monthly balance which didn't make mathematical sense and she said she will fill out a complaint form for me but didn't know if I would get a call or letter back. whether they call or not the business practices that I see they want to use of milking every XXXX from their customers is not something I want to be a part of I will not use their credit cards again and hopefully I can get in on the next class action lawsuit against them since that seems to be popular. The customer service for PNC is shameful and I will stop being their customer and hope this will help others know what kind of company they are dealing with. this is how they want to do business beware do not use their bank unless you are ok just giving them money.
Consumer complaint received 2017-11-19
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. (SC)

I participated in the Student loan rehabilitation program due to my student loan ( s ) being in default. I made the necessary 9 payments successfully and was never late paying. I completed the program which brought my loans out of default and any late payments would be removed. The late payments are still showing on my credit report for all three bureaus. I have disputed multiple time without any success. They refuse to update my payment history and their response is they verified with the one who furnished my loan. I know that to not be correct because XXXX was the one handling my defaulted loan and I have the letter from them informing me that I successfully completed my rehabilitation. The credit bureaus did not investigate this information and they listed a generic statement XXXX and Experian list the name as XXXX/XXXX and XXXX list the name as XXXX/XXXX. This is very frustrating because it is preventing me from obtaining the loan needed to purchase my home.
Consumer complaint received 2021-03-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (WI)

I am XXXX  XXXX  and the pandemic has affected my income. In early XXXX, I reached out to my mortgage company, Rushmore Loan management, and they agreed to give me a loan forbearance. The agents I spoke with told me they had many options during this trying time for lenders to work things out with them. When the forbearance period was up, I resumed making payments. I was not able to get the mortgage completely caught up. One of the options explained to me by their agent was a payment installment plan, whereby I would pay a little more each month to get caught up. I was instructed to complete hardship paperwork for their loss mitigation department. I completed the paperwork, and sent in all the documents they had asked for. This was in XXXX of XXXX. This paperwork, and getting all the documents together, took many hours to complete. For months afterward, I would call several times a month to get an update on a plan from the loss mitigation team. All I ever heard from them was we received everything, someone will call you next week. I never heard anything from them until last week, when I received a letter from an attorney who represents them, who is filing a motion to start a foreclosure. I called Rushmore, and was told that in XX/XX/XXXX, they had sent a letter to me asking for new or additional documents. They straight out admitted to me they sent it to the wrong address, and received a mail return from the post office. Because they did not get the documents, they cancelled or denied my request for assistance. I asked the agent why they didnt call me or email me when they found out they had the wrong address? Isnt that the whole purpose of mail return? It was an address I had not provided them with, and not even close to my correct mailing address, or the address of my lawyer. The agent said they would resend the loss mitigation paperwork, however, it now appears they trying to move forward with foreclosing on my property because of their own mistake. It is extremely frustrating, as I had done everything they had asked for. Im not sure how a large company like Rushmore could just accidently put the wrong address on my file, and it seems like a sneaky move to start a foreclosure process.
Consumer complaint received 2018-06-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

XXXX XXXX has placed an account on my credit history for {$450.00} as of XX/XX/2018. I have asked for some form of signed documentation showing were I have an unpaid account with them but they refuse to provide it. This account has been disputed and it continues to report falsely to my credit report.
Consumer complaint received 2018-06-08
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (TX)

The closing statement of XX/XX/XXXX there was a XXXX limit on my credit limit. Then on XX/XX/XXXX i check my balance and the limit went down. Call in and spoke with a supervisor XXXX XXXX he said that he dont know why this has happen. Then he said its because the credit bureau told them to drop his credit from XXXX to XXXX. First of all we didnt give them permission to access his credit repoert. So for 3 years we had a limit of XXXX now as of XX/XX/XXXX limit XXXX. What we have going on his credit dont have any thing to do with his credit. We already have a established credit and we pay on time for 3 years now.We want our credit back this isnt fair.Is this how they do they loyal customer
Consumer complaint received 2017-11-19
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. (SC)

I participated in the Student loan rehabilitation program due to my student loan ( s ) being in default. I made the necessary 9 payments successfully and was never late paying. I completed the program which brought my loans out of default and any late payments would be removed. The late payments are still showing on my credit report for all three bureaus. I have disputed multiple time without any success. They refuse to update my payment history and their response is they verified with the one who furnished my loan. I know that to not be correct because XXXX was the one handling my defaulted loan and I have the letter from them informing me that I successfully completed my rehabilitation. The credit bureaus did not investigate this information and they listed a generic statement TransUnion and XXXX list the name as XXXX/XXXX and XXXX list the name as XXXX/XXXX. This is very frustrating because it is preventing me from obtaining the loan needed to purchase my home.
Consumer complaint received 2017-11-19
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: EQUIFAX, INC. (GA)

I see y'all XXXX still XXXX playing with my credit u XXXX XXXX I WILL BE TA SEE YA IN XXXX GA MONDAY GOT XXXX MORNING BEETA BE READY CAUSE I DID THE XXXX PROCESS AND Y'ALL REFUSE TO DO XXXX AND CFPB Y'ALL AI N'T XXXX EITHER TO LET THIS FRAUD continue tho until somebody get hurt cause XXXX out here trying and y'all think I 'm gone let u keep doing bogus XXXX XXXX to me I THINK THE XXXX NOT I ask nicely to get that XXXX XXXX off my credit SO DAT WEB SITE TO FIND FOLKS OK ... I 'm federal property and all debts are prepaid so how the XXXX all that negative XXXX get the XXXX on my credit but JUAT cause u put FREEDOM in a book u think a XXXX ca n't and want read y'all XXXX move in commerce every XXXX day but think we do n't kw wat the XXXX yall doing so it 's my on now NO KEEP PLAYING WITH ME ... .HOPE Y'ALL CATCH A XXXX AND GO XXXX YOSELF
Consumer complaint received 2021-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (IL)

This is a newly opened account. Once opened, I immediately paid the loan down 50 %. However, the loan reported to my credit report without reflecting the payment and lower balance. 

The loan also does not report to XXXX. Only XXXX and XXXX.
Consumer complaint received 2021-10-05
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: EQUIFAX, INC. (CA)

I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report. The following items were cause by fraud.
Consumer complaint received 2017-11-19
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: Experian Information Solutions Inc. (NJ)

An account being reported on my Experian credit report listed as XXXX XXXX XXXX in the amount of {$5500.00} is not mine/no knowledge of account. In fact, this account was previously disputed and removed when this same account was listed with XXXX, XXXX, XXXX- it seems as if accounts just move from one agency to another without any type of clarifications. In fact, the above mentioned agency never sent any type of initial disclosure letter concerning the alleged debt, rather they decided to just place it on credit reports without any verification.
Consumer complaint received 2024-03-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: CADENCE BANK (MS)

On XX/XX/2024, I tried to close my account twice and had to pay {$100.00} each time to have the account closed because Cadence Bank kept accessing {$100.00} for their legal fees knowing that there was no money in the account. Each time that I thought the account was closed, {$100.00} would appear each time for their legal fees, creating a negative balance, so I had to pay the money to close the account. I want my money refunded and I want it mailed to the address below, since my account is now closed. I also want CFPB to investigate this bank regarding these kinds of deceptive practices. How do they expect consumers to pay the bank 's legal fees? 

Please mail my {$200.00} refund to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mississippi XXXX
Consumer complaint received 2021-09-10
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (IN)

I wish to get a home equity loan on a house that I bought 14 years ago and on which I have accumulated significant equity. Weeks ago I started the application process with Loan Depot. They have moved my lockin date twice. Every few days they ask for more and more documentation, some of which is irrelevant. Two days ago they asked for settlement papers on a residential lot I bought 20 years ago, in another state. I still own this lot, but it was paid off many years ago and there are no claims against it. They have asked for proof of insurance, not just the insurance on the house on which I am applying for the home equity, this already having been supplied to them weeks ago. At that time, without my authorization, they changed the name of my present mortgage lender to LoanDepot even though they have not closed the mortgage with me. I have asked for an answer on my application, twice, either accept or decline, and have received no answer, but every few days I get a request for more and more documentation. I am XXXX years old, XXXX XXXX XXXX. I think discrimination in mortgage lending may be occurring.
Consumer complaint received 2022-09-09
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I have recently submitted identity theft paperwork and requested a block and deletion. I received no response in that regard. The investigation has gone on for more than 60 days now with no resolution.
Consumer complaint received 2021-07-06
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

This is a follow up to CFPB Complaint : XXXX. This is a rebuttal to Bank of America 's XXXX response that I continue to get. They continue to tell me to call XXXX ; however what these idiots in the Regulatory Complaints Dept do not realize is that I have been calling and NO ONE, not even a manager can help me and THEY do not know why! I have been asked several times to call back and when I do, their systems are down or they can't file the claim because of the type of charges and length of time. I need SOMEONE at BOFA to call me to get this taken care of. I also NEVER received a call back from anyone, specifically this XXXX XXXX or XXXX XXXX. I have called and left several messages and I never get a callback. This is just insane! CFPB, please get involved, tell them to pull all CALLS and file the claim so that I can get my money already! Also, DO NOT have the wait another 60 days to respond ... Yes I know they have 60 days but this is my 4-5 complaint so far and I can not wait anymore! I have also filed a complaint with the NV Attorney General and have now been in contact with XXXX XXXX  here in XXXX XXXX. They actually did a report of this a few months ago and they are very interested in this. In addition, I have gone into XXXX  and XXXX and blasted BOFA. I also left several messages for BofA in Messenger! I am about to start writing letters to each CEO and contacting them myself! I am sooooo TIRED of this already!! Bank of America needs to credit my acct for all 26 fraud charges from XXXX  XXXX in XXXX XXXX for {$2500.00}!!! If they need me to tell them this over the phone, then have them call me at XXXX XXXX. I work a lot so if I do not answer, they can leave a voice message or they can also contact my mother who has been helping with this at XXXX XXXX XXXX. She has been my witness to all this mess! CFPB.. I am very certain that there are Compliance and Regulatory violations! CFPB please do your job and escalate this to the fullest. I will continue to file complaints until this gets resolved!!! If this does not get resolved, I will be filing a law suit!
Consumer complaint received 2021-07-06
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: CITIBANK, N.A. (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2018-06-08
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I received a letter stating i have a Capital One card that was opened XX/XX/2017. I did not open this card and if you look at the purchases im sure you will find nothing belong to a man. I want this credit card removed from my credit report because i will not be paying for something I didnt authorize.I havent had access to mail box until my now ex wife moved out in which I had to have the mail box lock changed to get back access.You guys shouldnt have open that account and should have noticed something was wrong from the start.I want this account removed from my credit report. not closed but removed ....
Consumer complaint received 2019-05-21
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: SECURITY FINANCE CORP (TX)

I'm consolidating my debt with a company and this company has power of attorney over my debts. I've explained this to Sunbelt Credit and they still call every single day, because they don't understand the process. I've explained to them that I can't comment on the consolidation because, I can't. They said that they still have to call because, that's their job. They don't mail statements that I can send to this company.
Consumer complaint received 2021-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I submitted a letter on XX/XX/2021 about inaccurate and unverified information on my credit report, i have yet to receive a response, ignoring the fact it have been over 45 days. I feel as though im being used and that my complaints are being ignored. It is clearly stated in Section 611 ( a ) that failing to investigate these issues within 30 days is a reason to remove those things off my credit report immediately. It has been over 45 days and they should be removed immediately or i will file for litigation to compensate me for the stress you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands.
Consumer complaint received 2017-11-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

I closed a personal checking account held at what is now Santander Bank on XX/XX/XXXX. The bank has it closed as of XX/XX/XXXX. Regardless they still send me Statements, which show a XXXX balance. I tried on a number of occasions to correct this problem, get them to acknowledge that the account is closed and to stop getting the statement, both at the branch and with the Company headquarters. 

The latest attempt was on XX/XX/XXXX, where XXXX XXXX XXXX provided me with a letter on Santander letterhead, stating that I do 'not hold any open consumer deposit at Santander Bank NA '. He advised that I would not get any additional mailing from the company after XX/XX/XXXX. 

XXXX XXXX is a Santander Personal Banker at XXXX XXXX XXXX XXXX, XXXX NY XXXX Branch ( XXXX ) XXXX. 

Recently I received a 'Statement Period XX/XX/XXXX-XX/XX/XXXX Santander Value Checking statement '. It shows a XXXX dollar balance and below that in the section 'Important Notice ' it states 'We may begin charging an Inactivity Fee '. 

Kindly assist me in getting this account shut down and ensuring that Santander stops mailing statements to me. 

Thank you for your assistance.