davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: TRUIST FINANCIAL CORPORATION (VA)

On XX/XX/2022 I applied and was approved for a Truist XXXX Card. I received an email on XX/XX/2022, stating that the card was made and on the way to my residence. Once I received my card on XX/XX/XXXX ( took a month to get the card ), I tried to activate it but I was told the account didn't exist on the app. I went to my local branch immediately, and they told me that the account didn't exist, they closed the card and line of credit for no reason or notification to myself. They went even further to tell me if I wanted a card with them to go apply again. So now present day I have a credit card that does not work I received my pin number in the mail, as usual, I have escalated this grievance 4 times within the bank and still have not been contacted back. I am looking for the bank to respond and reactivate my card. My credit was dinged 3 times and I was approved and the bank has done nothing to right these issues. I have asked for the info to their legal department 4 times via a recorded line and no one has any info. if I could please have some assistance in this matter it would be greatly appreciated
Consumer complaint received 2015-08-12
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: HEARTLAND PAYMENT SYSTEMS INC (IL)

I received a loan from ECSI under XXXX University initially in XXXX. I attended XXXX XXXX XXXX XXXX, Il from XXXX. I made payments of {$80.00} in school as I was able to do. As of XXXX, I made payments every month minus 2 months when billing issues with my debit account occurred. As of XXXX, my bill states that my account was current. As of XXXX, I received a bill that stated I was delinquent in my payments and was charged a XXXX late fee. I have continued to be charged a late fee of XXXX per month despite my automatic ACH payment of $ XXXX/month since XXXX. Additionally, no representative can explain to me how my account is 18 months delinquent and continues to be more and more delinquent although I continue to make payments. This has prevented me from allowing to list this account for loan repayment because it is delinquent although I make monthly payments higher than the required amount, monthly. Each time I ask for an answer, I am referred back to my school who does not hold this information. Lastly, if more of my payments were charged toward my principle each month, I would not be delinquent, I have been told that this is not an option, when, in the past, this was an option with paper statements.
Consumer complaint received 2021-06-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MO)

In XX/XX/XXXX both my wife and I were diagnosed with XXXX and I ended up in the hospital, where for the XXXX few hours they did not know if I was going to live. I survived and was out of work and on XXXX for 4 months. During this time Rushmore placed us on a Covid Forbearance - which I will point out we did not request - it was offered until I could return to work. I returned to work on XXXX and attempted to begin paying my regular payments. The payment was returned along with a separate right to cure notice demanding the full amount be paid. I told them I could only begin paying a payment each month. They then put us on another forbearance to XX/XX/XXXX and then without our knowledge extended that forbearance to XX/XX/XXXX. All on the premise we are still waiting on your decision for a loan mod. I provide all the documents they required after going thru all that they tell us we have been denied a loan mod in their letter dated XX/XX/XXXX and must do a short sale or foreclosure. We are now so far behind because of their actions that we may not be able to recover and face the stigma of a foreclosure and being forced out of our home. Instead of just 3 payments behind we are now 7 payments behind because they would not let me start paying in XXXX like I told them up front I could do. We feel mislead by this whole process and seems like a veiled attempt to force our family home into foreclosure. Please help us I do not of anywhere else to turn too!! I did not attach any of the companies letters as they have copies of all of them. The modification denial letter is very confusing and the reason for denial make no sense. For exampled they listed {$0.00} income for us. I work and make {$63000.00} annually and my wife has been drawing unemployement plus pandemic pay of $ XXXX here in Missouri.
Consumer complaint received 2021-06-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A. (NY)

On XX/XX/2021 I filed a complaint against Citibank where my personal e-mail was used by an individual to apply for a mortgage with the Bank under XXXX XXXX. XXXX. A letter from Citibank dated XXXX " it was an error from the Bank and the Bank has subsequently removed my e-mail from their record ''. However, on XX/XX/2021 I received another e-mail from Citibank again regarding a mortgage application no. XXXX. This is totally in contradiction with the response letter from Citibank where they claimed they have removed my personal e-mail. Therefore, I am requesting Consumer Financial Protection Bureau for assistance in resolving this matter. 
Thank you. 

Attachments : E-mail from Citibank dated XX/XX/2021 Copy of the original complaint E-mail from Citibank dated XX/XX/2021 which caused me to filed the complaint with CFPB. 
XXXX dated XX/XX/2021 from Citibank in response to my complaint. 
Noted documents are not in order.
Consumer complaint received 2016-03-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (NY)

My Mortgage was sold to a servicer. I have called several time to find out where to make my next payment. XXXX XXXX XXXX will not give me the address or a phone number to reach out to the new compmeany. I only have one week left to make my next payment on time. 
I have looked the new company up on line and found a phone number, but when you call it, and go through all of the prompts, there phone hangs up on you. I was one month ahead, now I may be late and or one month behind.
Consumer complaint received 2023-03-28
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: EQUIFAX, INC. (CA)

A month ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2017-08-16
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (IN)

I took out a loan on XX/XX/XXXX and it was my understanding that I would pay it back in 6 installments of {$200.00} an to date I have paid {$1800.00}. I logged it today and say the repayment schedule and the payments are supposed to go on until XX/XX/XXXX. I simply can not afford to have this come out of my account every 2 weeks until XXXX. At the end of this payment period, I will have paid {$4100.00}. I called and tried to stop the debit from my account and they said I signed and there is nothing that I can do.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are reporting inaccurately. REMOVE THEM IMMEDIATELY. It's damaging my credit and ruining my life!!!
Consumer complaint received 2024-02-16
Product: Credit reporting 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. (MD)

I have noticed some unauthorized and fraudulent inquiries on my credit report XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies
Consumer complaint received 2015-10-28
Product: Prepaid card — Payroll card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC (MO)

I am a customer of rush card. I am unable to accessy money. They are not answering the phone. My direct deposit is not there and I need answers as my payroll check is deposited there and it is not allowing me to access.
Consumer complaint received 2015-11-02
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC (LA)

I 'm an online college student and I receive financial aid in which I chose to receive it via direct deposit through rushcard. I just recently found out about the glitch in the rush card system. I was expecting to receive my financial aid today however, I see no pending deposits. I called rushcard customer service but when I was transferred to a representative It said my call could not be completed. I never had this problem before and I always get my funds directed to rushcard with no problem.
Consumer complaint received 2015-10-24
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC (NY)

I have been a member of RushCard Services since XX/XX/XXXX, and have experienced very little problems in regards to their service overall. 

However, the recent conversion has me concerned with being able to collect upon my recent losses. I have been expecting a direct deposit since XXXX, and my attempts to contact any competent RushCard customer service representative have been fruitless. 

I understand they have had an outage, but provide no reliable information as to how they insure a customer 's account will be restored. 

I want to sever ties with this company, as the transition to the new banking service they acquired has left me less than confident in continued business with the service RushCard provides, but I also do not wish to lose out on money that is owed to me. 

Please assist me.
Consumer complaint received 2023-04-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (SD)

On XX/XX/XXXX I checked my emails and I found in my spam mail a collection notice from ERC a collection company out of XXXX Florida. 
Again XXXX XXXX is trying to use these third party collection agencies to collect the wrong amount. 
I never received any correspondence in the mail from XXXX XXXX in relation to any invoice that showed a balance due and or any merchandise received. 
This activity needs to cease from XXXX XXXX and they need to quit hiring these collection agencies to collect the wrong amount on a debt I assume no ownership or claim any responsibility for.
Consumer complaint received 2023-07-31
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have visited multiple car lots and I only authorized them to check my credit once but they checked it numerous amount of times unauthorized. Which negatively impacted my credit.
Consumer complaint received 2017-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TN)

Credit Bureau has ignored me ... .Consumer inquiry is legitimate and obvious, but credit bureau fails to read adequate and input wrong data. Car Note should be XXXX XXXX XXXX XXXX ... it is referred to this way on all statements. Credit Bureau does not read adequate or report has wrong data. 

Line of Equity 2nd mortgage scheduled payments ... wrongfully categorized as evolving credit. Our home is XXXX XXXX XXXX appraised near 1million by the bank. 

Errors cause higher interest rates on our debt. Is there recourse to recovery from negligent mistakes. These error raise our interest rates. Our effort is to avoid the indebtedness that Credit Bureaus touch.
Consumer complaint received 2015-10-21
Product: Prepaid card — Payroll card
Issue: Advertising, marketing or disclosures — 
Company: Empowerment Ventures, LLC (NJ)

I am unable to access my account due to RUSH CARD TECHNOLOGY TRANSITION and i also have kids that have to eat and no one from RUSH CARD CAN ANSWER THEIR PHONE AND NOONE FROM RUSH CARD WANTS TO TAKE RESPONSIBILITY FOR THE UNNEED TECHNOLOGY TRANSITION
Consumer complaint received 2024-02-16
Product: Credit reporting 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. (MI)

Unauthorized and fraudulent inquiries from " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-08-09
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: Incomm Holdings Inc. (NY)

I have purchased a prepaid card through XXXX called XXXX prepaid debit card. My wife and I loaded {$40.00} dollars on the card, just for a bill and trying out a new card to use for bill saving. 

We arrive home and my wife and I tried to activate the card online. My anciently clicked the auto fill that remembers previously filled information on certain webs, upon this everything was filled in except my social that i filled in myself. We failed to ensure the name was filled in entirely. We did n't find out until after it went through that only my initials appeared. All information correct except my full name not appearing. So it was not activated. 

We call the customer service and they tell me I can not use the card and if I want to I have to send in all of my personal information like my photo ID, my receipt, and my social security information. 

Now, I given them all of the correct information however I was not sending in my information just to wait months for them to give me my funds if they ever were. I put my money on the card, trusting the card to use online immediately. This is ridiculous and they tell me i can not receive a refund nor can i use my card, They are able to activate it, they are refusing to. this is not for my safety, this is FRAUD! A SCAM! This is not advertised and they have stolen my money. I can not use my card and receive my funds at all. they want my identity information. This is not something they can do. This is not a bank, but a card. I am baffled and downright upset having trusted this card. 

This is ridiculous and others should not use this only to find they can not access their funds. They have stolen my money.
Consumer complaint received 2017-01-21
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (NY)

I was on a payment plan with XXXX XXXX and when I went to see what payment options were available for me with navient because of financial difficulties they told me they did n't have any available and I have to pay the full balance. After numerous phone calls and speaking with several representatives and supervisors I was finally told I could do a financial statement and someone would get back to me within 4 business days. I never heard anything back so I contacted them only to be told they did n't make a decision yet. I waited another week and called back only to be told again no decision was made I asked for a supervisor and was told it was sitting on someone 's desk because they were on vacation. I had to call back yet again he next business day only to be told I did not qualify because I made {$15.00} too much and there was nothing more they could do. Now mind you I have a XXXX loan and I have to pay have my car payment a month for it and hats a minimum payment. It 's impossible for me to put anything extra towards it therefore it 's impossible for me to ever get out from under this loan. Also looking at my credit my loan has actually gone up this past year by {$22.00}. And while making my payments on time they still continue to call my co-signer and tell them I do not make my payments while I make them before they are due!! This company is a real piece and should not be in business. Their customer service is horrible and they really need to learn how to work With people, they make it impossible for people to ever pay back their loans.
Consumer complaint received 2015-10-22
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC (MO)

I have a rushcard. I have n't had access to my funds for 12 days. On XXXX my direct deposit of {$1900.00} from my employer posted. However- rushcard has posted it to my expired card. I have been a customer for 3 years. When your card is near the expiration date, you are automatically issued a new XXXX. I received it in XXXX, activated it and had been using it. Then their system went down. When it " came back online '' all of a sudden it would n't recognize my new card number and will only recognize the old expired card- which I ca n't use because it is expired. It 's basically like my new card does n't exist and I have called over 30 times. When they do n't hang up on me they tell me they ca n't access my account. I do n't have food or gas and I need to pay several bills. Also some automatic payments for my bills are being declined because the companies ca n't access the money.
Consumer complaint received 2015-03-23
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NM)

I looked at my credit card account ( B of A ) visa card on XXXX/XXXX/2015. There was acharge from XXXX, a web site I had never visited or bought anything. I contacted bank & they will issue me a new card. I suspect that this may be a web site for fraudulent credit card transactions. If so & it will help others if it were shut down.
Consumer complaint received 2017-03-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (PA)

Can seem to get it paid down sometimes my whole payment goes to Intrest n not principal I feel like I am getting ripped off they never can help me with being able 2 pay off n they haresse me all the time!
Consumer complaint received 2015-09-17
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Navient Solutions, LLC. (NJ)

I have not received any mail or calls from the lender since XX/XX/XXXX when it was charged off my account. Then yesterday a collection company called my cosigner and asked for a payment of {$4000.00} toward a debt from XX/XX/XXXX of {$14000.00}. The collection company also told her that by paying {$4000.00} her financial responsibility as a cosigner would be removed. I have not received any notice of right to dispute, nor was it mentioned in my call today. As far as I was concerned this account was charged off and it does n't even appear on my credit report.
Consumer complaint received 2015-07-14
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Healthcare Receivables Group, Inc. (TN)

We receive multiple calls from this company on a daily basis. This has been occurring for more than a year. When you answer the phone, you either get a recorded message, strange sounds or the line disconnects altogether. When you do n't answer, they leave a mumbled message over and over again. when you call back, you get a busy signal or a message that this number is not in service at this time. This has occurred as much as XXXX times a day. This is a landline with XXXX so we, with advance request, could obtain a log of the incoming calls to validate the frequency.
Consumer complaint received 2017-01-24
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: SLM CORPORATION (PA)

Sallie Mae made my pay for forbearance up to 12 months for the life of the loan for up 3 months at a time because I could n't afford to pay my loan. 

Got from article against Navient law suit. In other cases, borrowers who would have qualified for lower-income-based payments under federal law were instead steered to something called " forbearance, '' which allowed them to skip some payments but saw their interest mount up, unnecessarily increasing the total they supposedly owed.The CFPB claims XXXX may have collected XXXX in interest it should n't have from putting people into forbearance, often multiple times.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There may be other individuals with a name the same as or similar to mine. Creditors may have entered my name incorrectly when requesting my credit report. Regardless, there are forms of my name and addresses that should not appear in my credit file.
Consumer complaint received 2021-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have submitted all of the required documentation to remove the XXXX XXXX Inquiry is appearing on my credit report. I have spoken and was advised to submit the information and it will be removed in 72 hours. The inquiry is still showing on my report.
Consumer complaint received 2017-02-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MA)

I have an existing case number XXXX, but I have more information to add. I made my latest mortgage payment on ditech 's website yesterday ( XX/XX/2017 ) and AGAIN the payment was misapplied to principal instead of to the XX/XX/XXXX due date. I have called them but this HAPPENS EVERY MONTH, regardless of whether I mail a paper check or do a one-time payment online. Please help me stop this cycle from continuing!!!!!!!