davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-02
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: American First Finance, Inc. (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-07-20
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Ygrene Energy Fund Inc. (CA)

Ygrene is a authorized lender for the PACE program in California. I believe that my wife and I are victims of predatory lending from Ygrene. We are trying to pay off this loan but have been notified by Ygrene that our pay off is more then our original lien amount. I believe that Ygrene solicited us knowing we were people with poor financial literacy. Ygrene did not provide a clear breakdown of all fees. Ygrene is, and has added excessive and/or unnecessary fees. Ygrene is charging a high prepayment penalty that was not properly disclosed. It seems to me that Ygrene is requiring a balloon payment to close the loan. Ygrene, in my opinion, is the very definition of a predatory lender. 

Estimated payoff amount as of XX/XX/XXXX {>= $1,000,000}. Original Lien Amount {$19000.00} on XX/XX/XXXX. Estimated principal balance as of XX/XX/XXXX {$16000.00}. Estimated amount paid to Ygrene as of XX/XX/XXXX {$8000.00}. 

I have spoken to Ygrene about these issues but Ygrene will not back off the fees of {$2100.00} estimated current your tax assessment ( almost 2X what it normally would be if we just continued making payments ), {$500.00} estimated prepayment premium, and {$160.00} estimated payoff processing fee. The loan started with excessive fees my wife and I were unaware of like {$50.00} application fee, {$250.00} processing & underwriting fee, {$250.00} recording & disbursement fee, {$100.00} jurisdiction cost recovery fee, {$180.00} title & escrow fee, {$50.00} energy audit fee, and a {$500.00} origination fee. There is a class action law suit against Ygrene, and I have notified my AG of the alleged predatory lending. Documents are available upon request.
Consumer complaint received 2022-09-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I had detected fraud charge on my 360 capital one debit card. As Im not XXXX speaker, first I replace my debit card, then file dispute via mail service. After couple weeks I got a credit for dispute transaction, then after less than a week, I got email - no error was found. I was in shock because I dont have previous debit card on my hand. Terrible bank with worse service and worse protection!
Consumer complaint received 2020-07-20
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: Experian Information Solutions Inc. (NJ)

I sent a dispute with the reporting agencies in regards to inaccurate and unverifiable information reporting on my credit reports. I never received any notifications regarding to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. The original response was sent on XX/XX/XXXX and the 30 day Letter To Comply was sent on XX/XX/XXXX.
Consumer complaint received 2020-07-20
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

I received an email on XX/XX/2020 telling me that I qualified for a VA XXXX because of my perfect payment history and the fact that they service my loan. 

Here is the email I received : XXXX XXXX XXXX XXXX Tue, XX/XX/XXXX, XXXX XXXX  to me Hello Mr. XXXX, My name is XXXX XXXX XXXX I am a licensed mortgage loan originator and I work in the mortgage retention department with Lakeview Loan Servicing , LLC. I was reviewing your account and was able to confirm you currently have made 6 on-time monthly payments to Lakeview. As you may already know, this qualifies your current mortgage for a VA Interest Rate Reduction Refinance Loan. This is a simple interest rate reduction program available because you make your monthly mortgage payments within 30 days of the due date. 

Lakeview owns the mortgage servicing rights of your loan and has chosen XXXX XXXX to collect your monthly mortgage payments, and manage your escrow account on our behalf. Since we own the servicing of your loan, we can offer this interest rate reduction program with no origination fee, no underwriting fee, and no processing fee. 

Please call or email me so I may help you with this opportunity.

BENEFITS of refinancing with Lakeview Loan Servicing : 1. No origination fee, no underwriting fee, no processing fee 2. No appraisal 3. No minimum credit score 4. No income check 5. Monthly savings Thank you, XXXX XXXX, XXXX Mortgage Loan Originator Lakeview Loan Servicing , LLC XXXX XXXX XXXX   XXXX XXXX. XXXX XXXX  XXXX XXXX, FL XXXX Phone : ( XXXX ) XXXX XXXX : ( XXXX ) XXXX NMLS # XXXX / Company NMLS # XXXX XXXX Equal Housing Lender On XX/XX/XXXX after sending the second mortgage statement, the loan officer said that his operations needed to pull credit because of my second mortgage. I told him that he could send a verification of mortgage. He said that was not possible and that the only way for them to fully approve my loan was to pull my credit. 

After the credit was pulled and several days later, I was told that they couldn't approve my loan because back in XXXX I didn't make a payment ( which should have been part of the forbearance ) and that they were going to have to deny my loan. 

I spoke with XXXX XXXX NMLS # XXXX who is the direct supervisor to XXXX and said that she stands by his actions and that pulling the credit was necessary, she also said that the credit pull was going to be reversed " as if it never happened '', which to cover up their mistake. I asked to speak to XXXX XXXX NMLS # XXXX who has yet to return my call from XX/XX/XXXX. 

Upon my insistence about Lakeview Loan Servicing LLC NMLS # XXXX being in the wrong, their Compliance Department Director, XXXX XXXX called and said that they could't/would n't do anything. She asked for a copy of the email that I received and said that she would escalate to her management and haven't heard back.
Consumer complaint received 2018-06-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

I used the Coinbase app to invest in bitcoin, litecoin, and etherium XX/XX/2017 after some months of it sit I decided to withdraw the majority of it. I had {$5000.00} in bitcoin, {$100.00} in litecoin, and  {$120.00} in etherium. I withdrew {$4000.00} from bitcoin but after that my spending limit was at its ends. I then completed the ID verification which said it was going to increase my spending limit and although it may have, I then ran into the issue of not being able to indetify myself no matter how correct I was with my information it just always says Verification Failed I have dmd them on XXXX multiple times and emailed them and when I call an actual person never answers the phone its always a machine with the same problems and useless solutions
Consumer complaint received 2022-03-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I did an investigation to my credit report and noticed that the following account is inaccurate and fraudulent. I did not own the following debt. I am a consumer by law and my information was misused. I am not happy about it. 



XXXX XXXX / XXXX / {$0.00}
Consumer complaint received 2021-03-02
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: DISCOVER BANK (NY)

DISCOVER FIN SVCS LLC XXXX Date opened XX/XX/2016 Balance {$1900.00} I already reached out to the credit bureaus and to DISCOVER FIN SVCS LLC, and notify them of their error posting of information on my report. I requested an investigation and the removal of the erroneous information. No changes were made. I informed them that this company was violating the Fair Credit Billing Act by illegally adding fees and yet they did nothing to correct the matter. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information received. I had also requested the actual proof, physical first hand documentation of the payment history but I did not receive what I asked and these violations persist on my credit report.
Consumer complaint received 2020-08-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Allied Collection Services, Inc. (Nevada) (GA)

Allied Coll is reporting that they hold the debt for an account I had with XXXX. I made arrangements and paid XXXX directly, paying off the debt ( copy of payment to be attached ). Allied should not be reporting anything on my credit reports. Please remove immediately from XXXX  and XXXX
Consumer complaint received 2020-07-20
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. (NJ)

I sent a dispute with the reporting agencies in regards to inaccurate and unverifiable information reporting on my credit reports. I never received any notifications regarding to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. The original response was sent on XX/XX/XXXX and the 30 day Letter To Comply was sent on XX/XX/XXXX.
Consumer complaint received 2021-01-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: HYUNDAI CAPITAL AMERICA (TX)

I purchased a new XXXX XXXX in XXXX of XXXX and financed it through Hyundai Motor Finance. On XX/XX/XXXX, I traded in the vehicle to XXXX XXXX XXXX in XXXX, Texas, and XXXX XXXX XXXX mailed Hyundai a check for the full amount of my loan. According to the tracking information, Hyunda received the check on XX/XX/XXXX, and it was cashed on XX/XX/XXXX. However, the check has not been applied to my account, which is now showing as being 20 days overdue. 

On XX/XX/XXXX, I contacted XXXX XXXX XXXX about this issue, and on XX/XX/XXXX they contacted Hyundai and faxed over the cancelled check and the tracking information. As of XX/XX/XXXX, XXXX had still not applied the check to my account, and I had started getting calls from their collections department, so XXXX XXXX  faxed the documentation again on XX/XX/XXXX, and I called Hyundai myself. Hyundai asked me to send them an image of the cancelled check in an email with my account number and ATTN : XXXX in the subject line. I did that on XX/XX/XXXX and received no reply. On XX/XX/XXXX, I emailed again asking for confirmation that my first email was received. I still have not gotten any reply, and my account is still not reflecting the check that Hyundai received.
Consumer complaint received 2015-08-20
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Check Resolution Inc. (VA)

My wife received a call from National Check Resolution stating that we owed on a Payday loan, XXXX. They also stated that they where going to serve papers for a court case scheduled in two weeks. This scared my wife enough that she paid a reduced amount of XXXX verse the stated amount of XXXX dollars. 

I then called them back to verify what had happened. They told me a loan was taken out in XXXX of 2014 and paid to my XXXX XXXX account. NCR did have my XXXX XXXX Account 's last XXXX, my social number and home address. I told them I never filed for a payday loan in XXXX of last year. They told me it came from my homes IP address and that I should remember taking a loan out. They told me the loan amount was XXXX dollars. 

I verified through my bank, XXXX XXXX, that no deposit was made from XXXX XXXX in any amount. In fact hat no deposit of XXXX dollars are made to me account during the month of XXXX. 

They also stated they would not refund the money as it was a closed case.
Consumer complaint received 2021-05-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (KS)

I sent a wire to pay off my mortgage with Mr. Cooper on XX/XX/21 per instructions I received by email from Mr. Cooper. And they have still not released the lien. 
I called them on XX/XX/21 and spoke with XXXX, she said she emailed the lien release dept. and she would call me back in a week to 10 days. Never heard back from her. 
I called on XX/XX/21 and spoke with XXXX. She also emailed the lien release dept. 
I called on XX/XX/21 and spoke with XXXX. She transferred me to XXXX in the escalation dept. who confirmed that the mortgage was paid off on XX/XX/21, but that the lien had not been released yet. She also emailed the lien release dept. 

In addition to this problem ... I can't even tell you how many times I had to call them to have them correct the additional principal payments that were made. Needless to say, my experience with Mr. Cooper has been frustrating.
Consumer complaint received 2020-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (OH)

Unable to attach my atm card to XXXX  to send money to my children for emergencies. They live outside the state and it would be more cost effective to be able to use XXXX   instead of spending money to send via XXXX XXXX or XXXX XXXX.
Consumer complaint received 2016-07-17
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (TX)

On XXXX/XXXX/XXXX, I walked into XXXX XXXX XXXX and sit down in a sales office in hopes to opening an checking account. To my embarrassment I was denied opening an account due to the information provided by the XXXX XXXX XXXX. I was told that I had a charge off account from Wells Fargo on XXXX/XXXX/XXXX. To my knowledge I took care of this account by paying it off in XX/XX/XXXX. I immediately went to the Well Fargo Office and they after research they apologize and provided me with a letter stating that I did not owe and they have not reported anything negative to the XXXX. I sent a personal letter requesting to have this negative charge remove off my file and I also included the letter from Wells Fargo. 
To my disbelief I receive a letter from XXXX XXXX XXXX, stated that they did a research and that the negative item will remain on my file. When I contact XXXX I spoke with a lady that only provided her first name XXXX, she stated that a representative from Wells Fargo confirm the negative charge and there 's nothing I can do about it, I should just pay my bill. I ask what was the representative name from Wells Fargo because I have a letter from Wells Fargo. She told me that the negative charge will be on my account for 5 years and that I am getting close to the five years and hung the phone up in my face.
Consumer complaint received 2020-07-21
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My complaint is why my score drops drastically when I charge on my cards. When my score happens to go up its only 1 or 2 points. I NEVER!! Miss payments this is so unfair to people who pay there bills on time!!
Consumer complaint received 2020-07-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Letter was sent by XXXX XXXX calming a debt of BANK OF AMERICA checking account. I dont have an account with BANK OF AMERICA .... I called BANK OF AMERICA to verify that nothing was opened under my information and nothing was found .... this a company trying to collect a debt that doesnt exist
Consumer complaint received 2020-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

Capital One Venture Credit Card I had earned over 95,000 rewards points ( worth about {$1000.00} ) on a capital one Venture card. 

On or around XX/XX/2019 I used those earned points to purchase airfare, that trip was cancelled due to covid-19 the fees were refunded but the points never were. I called and requested that they are, they saw the purchase and points and they agreed they should be refunded, but said because it had been 180 days they can't credit the points back.
Consumer complaint received 2018-06-29
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: Exeter Finance, LLC. (IN)

My name is XXXX XXXX and I am a U.S. Veteran. my Identity was compromised between XX/XX/XXXX and XX/XX/XXXX. During this time a fraudulent account was opened in my name with Exeter finance. Exeter finance and XXXX are aware of the fraudulent account, however, as of todays date the negative item still remains on my account. A military  police report has also been filed and my unit is working with the Federal Trade Commision and the Consumer protection agency to resolve the matter. Please have Exeter remove this from my account immediately as it is causing me economic harm. I have also included a identity theft report from the federal trade commision regarding the complaint.
Consumer complaint received 2015-11-13
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (PA)

Main borrower on the mortgage abandoned property XX/XX/XXXX, moved to California. 
Per Wells Fargo Home Mortgage in order to get loan modification solely based on myself I would have to obtain a Quit Claim Deed, which was obtained and recorded XX/XX/XXXX. 
The lender ( FHA /Wells Fargo ) are now insisting I provide them with more information pertaining to the other person on the loan ( abandoned party ). Which I have told them is impossible to do, we are no longer in contact with each other. Per Wells Fargo without this information they will be unable to assist me.
Consumer complaint received 2020-08-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: PNC Bank N.A. (NC)

PNC billed me a {$25.00} fee on XX/XX/XXXX for not having sufficient funds in the right account. I rectified this issue, by transferring {$5000.00} to my virtual wallet " spend '' account ending in XXXX on XX/XX/2020. In exchange for rectifying this, PNC agreed to waive this fee. 

On XX/XX/XXXX, I was billed an additional {$25.00} fee despite having a balance of {$5500.00} in the checking account. The required minimum balance for this account is {$5000.00}. 

I was told that the reason I was billed was because the average balance did not equal {$5000.00}. PNC refused to refund the {$25.00} fee billed on XX/XX/XXXX as a result. This is not fair or ethical, as I did exactly what they told me to do in transferring the money to the checking account. PNC should refund this fee as well because it was mathematically impossible for the average balance to equal {$5000.00} due to the time it was transferred.
Consumer complaint received 2020-08-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Avadyne Health Holdings, Inc (PA)

The account was paid I asked them to remove it off my credit report they told me that they did not received and updated or that my account was paid off I have Proof that my account was paid in full. This has caused me to go into a XXXX XXXX I am XXXX out and I cant think straight This is not fair at all please help me I am trying to purchase a house and I can not purchase my house because this is holding me up.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.