davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-04
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. (VA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit XXXX date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX CO ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-04
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. (VA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion CreditBureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXXDate Opened:XXXX XXXX XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX Date Opened:XXXX
Consumer complaint received 2015-10-21
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: BANK OF THE WEST (CO)

I initiated a home loan in XXXX 2015 with a closing date of XXXX XXXX, 2015 with Bank of the West. The first closing date was extended due to the Appraisal department of Bank of the West accepting a turn in date for the documents two days before closing. The next closing date was cancelled and the loan objected because they were unable obtain Mortgage Insurance for not providing sufficient comparable properties. 
I have listed the following issues I have experienced below : - Our loan processor rarely called or emailed us to keep us in the loop of our loan. I was rarely successful in contacting him when I attempted to call. 
-The realtors and myself were lied to by senior processor XXXX XXXX when we asked for an explanation of why the appraisal took two weeks to get back to the bank. I called the appraisal company and asked why it was taking so long and they stated " Someone from the bank called and said the documents were agreed to be delivered on XXXX XXXX, 2015 ''. XXXX XXXX emailed all parties involved and stated that it was the Appraisal company that changed the date of acceptance, ( When in fact, it was XXXX XXXX in the Appraisal department of Bank of the West ). 
- The loan processor did not get approval from myself to order a " RUSH '' document processing fee based on their mistake in ordering a document late. A non rush document fee is significantly less and was not shown on the signature form they sent me and was ONLY necessary due to their last minute performance. 
- It came to our attention in more than one occasion that all of the people that were involved in the processing of our loan do not work on Fridays nor have contingency for calls or document handling in the event of their absence which was not told to us when the loan was initiated. 
- The loan processor stated in email the an ILC, ( improvement land certificate ) would not be needed and ended up charging me for it anyways stating, " It 's a titling thing '' in contrast to an email conversation we had prior. 
- Was called in the beginning of the processing by an alternate agent who interrogated me as if I were some rogue. 

I feel that clearly what Bank of the West of XXXX has done has shown a repeated unprofessional nature and specifically a Failure to Perform/Breach of contract on my loan and wish to be compensated for the fees, charges and time that I have lost as a result of their failures.
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Reporting of credit must be a neutral process, the fact that erroneous information that reflects FICO which financial institutions rely on. There are no delinquent accounts or late payments associated with me. My credit score dropped XXXX points overnight ( XXXX XXXX ) and XXXX XXXX lowered my score by XXXX points based on false data submitted by credit agencies. Based on my XXXX XXXX I believe this is a form of XXXX XXXX and XXXX XXXX XXXX  related to incorrect data. The good to excellent credit score is a gatekeeper to wealth, careers and housing. As a XXXX I have work very hard with integrity to ensure I maintain a minimum score of XXXX. To have it destroyed over false information is suppressive.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SOFI TECHNOLOGIES, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX, Georgia SoFi Bank, N.A. Personal Loan XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Account Number XXXX NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom it may concern I XXXX XXXX a living breathing man as created by God, I am hereby in good faith exercising my right under 15 USC 1635 ( a ) ( f ) to rescind the transaction with SOFI Account Number XXXX Yours Sincerely XXXX XXXX
Consumer complaint received 2021-09-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Business Bureau (IL)

I was not notified of this debit - It just appeared on my credit report. 
Secondly, after further research this medical debit was not handled properly. The Bill is for XXXX I received in a XXXX XXXX, XXXX  procedure. The original Creditor XXXX XXXX XXXX XXXX failed to contact me in regards to my debit. They also failed to file a claim with my medical insurance carrier -XXXX XXXX XXXX XXXX properly XXXX I have contact my Medical Insurance Carrier XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX and they informed me that the claim was not submitted correctly. I contacted Medical Business Burea and XXXX XXXX and with all my phone calls they are still unwilling to resubmit the claim through the correct agency. I dont think it was fair that both parties did not properly due there due diligence before just adding this to my credit report. Which has cost my XXXX points. 

My insurance info : ID # XXXX Group # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX The claim can be submitted by called XXXX using # XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (CA)

A person claiming to be a representative of XXXX contacted me saying that someone was using my XXXX account to commit fraud. They said in order to prove my identity I needed to do some transactions using my Wells Fargo credit card. The representative had me transfer {$8000.00} from my credit card to my checking account then transfer {$4900.00} to XXXX XXXX in order to transfer to different bank account. I transferred the {$4900.00} to the anonymous bank account using XXXX  XXXX. When the representative kept on insisting I make more transactions I grew suspicious and I hung up on them. 

When I called Wells Fargo to report that I got scammed the fraud claim representative gas lighted me and basically called me XXXX for getting scammed. I canceled my credit card and the checking account I used that tonight. I eventually put in a claim saying I got scammed and I shouldn't be responsible for the money that I transferred to the scammer. Wells Fargo is denying my claim because they say they couldn't get their money back from XXXX thus I am responsible for the money I transferred on behalf of the scammer.
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX  XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX OF XXXX XXXX, XXXX OF XXXX XXXX
Consumer complaint received 2022-02-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc. (AZ)

I entered into forbearance when Covid hit. The mortgage company I had at the time was XXXX XXXX they then sold my mortgage to XXXX XXXX and thats when the nightmare began. Once I went back to work ( XX/XX/XXXX ), I contacted XXXX to begin the modification process and they finally sent me the modification packet in XX/XX/XXXX. Here we are in XX/XX/XXXX and I have gotten pretty much no where with them I keep getting the run around. In XX/XX/XXXX they send a pact to fill out and sign so that they can finalize the modification process, but continue to send me monthly bills as if I have never began the modification process. Every time I call I get the run not to mention my point of contact person as changed numerous times. Now Im being told I have to pay XXXX, XXXX, and XXXX so they can finalize the process. It has been nothing but a tremendous nightmare. Please help and/or advise as to how to proceed with this nightmare. I have even put in a complaint to the XXXX XXXX XXXX.
Consumer complaint received 2020-09-10
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. (AZ)

On XX/XX/2020 I 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. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on 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 2015-07-01
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: REGIONS FINANCIAL CORPORATION (FL)

Yesterday I made a deposit via mobile banking. I verified the bank received my deposit. It was added to my balance, so my checks were covered that I wrote on XXXX/XXXX/2015This morning,XXXX/XXXX/2015, I checked my bank statement on line, and I had a overdraft fee of {$210.00}. My bank statement shows that my account was overdrafted only because of the {$210.00} that the bank took. I spoke to Regions bank at several levels and was told that the statement presented on line is not accurate. Why? 
Regions has overdrafted my account for the past 4 months, everytime I have used mobile banking or, looked at my statement at night only to wake up and find that they changed the order of checks already processed with something pending to create an overdraft. 
I am not perfect and I have a mom on my account that sometimes uses the check card without telling me, so I can understand an overdraft here or there, but we are talking about {$700.00} to {$800.00} in the last 4 months. There is no cooperation from the bank. All I am told is that I overdrafted my account and there is nothing they can do to reverse it. 
Something needs to be done. I am very frustrated.
Consumer complaint received 2022-07-20
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. (NY)

I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX  XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX
Consumer complaint received 2015-06-06
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MI)

My mortgage servicing was sold from XXXX to Green Tree Servicing LLC. If you want to make a timely payment ( within XXXX hours ) to Gree Tree, you can only do it by XXXX, XXXX XXXX, or pay by phone. All of those options will cost an ADDITIONAL fee. Green Tree Servicing LLC delays bank to bank transfers for XXXX business days which causes late fees. Our mortgage is underwater and we ca n't re-finance to get away from this company. We are trapped. This is an unfair collection practice that takes advantage of people that ca n't afford to go anywhere else. They are charging additional fees on top of the high mortgage payment that people ca n't re-finance or get lowered, creating additional hardship on homeowners that are already struggling to make payments. Also they do NOT provide any information on the loan other than the past payment breakdown. I have no way of knowing what my outstanding principle balance, escrow balance, outstanding late charges, interest rate or taxes paid to date are based on looking at my statement.
Consumer complaint received 2022-08-09
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. (MO)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # 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
Consumer complaint received 2022-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO. (GA)

Please Advised I applied for an XXXX XX/XX/XXXXcard with chase on XX/XX/21 & XX/XX/21. It is clear that chase is participating in discrimination and predatory lending. JPMCB open the card with an approval of XXXX and sent me a letter saying I was approved. Once I received the card and tried to active the card it had been canceled, saying I needed to prove my identity. So I went into a branch here in XXXX, ga I also faxed my id and made numerous calls to chase. All i received was a run around. Then on XX/XX/21 I was told I needed to re apply and they then denied that application. How i have 2 inquiries on my which cased me to lose points on my credit Chase open and closed an account base on not having proper identity that they said credit score. But was score was XXXX at that time. JPMCB then cased more damage to my score by putting it on my credit as a closed account, that was really never opened. It could be me but this seems to be some type of discrimination.
Consumer complaint received 2016-09-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My personal information was compromised. Someone is trying open up credit card accounts in my name without authorization. When I called the individual companies, they said they can not do anything about it. 
Here are the inquiries in question : XXXX XXXX/XXXX/XXXX Banking XXXX Card XXXX/XXXX/XXXX Finance XXXX XXXX/XXXX/XXXX Finance XXXX XXXX/XXXX/XXXX Banking XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX XXXX/XXXX/XXXX Banking XXXX XXXX XXXX/XXXX/XXXX Banking XXXX XXXX XXXX/XXXX/XXXX Banking XXXX XXXX XXXX/XXXX/XXXX Finance XXXX XXXX XXXX/XXXX/XXXX Banking I am requesting validation, made pursuant to the Fair Debt Collections Practices Act. I am requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to run my credit.
Consumer complaint received 2015-08-09
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC (CA)

i have a payday loan which went into collection agency XXXX,XXXX XXXX XXXX, XXXX , XXXX XXXX, acc # XXXX, monarch file # XXXX.orignal debtor was XXXX XXXX, XXXX check cashing. i settled this debt with them on XXXX/XXXX/2011 and they send me settlement letter. now another debt collection agency debt recovery solutions, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, acc # XXXX is trying to collect same debt from me.they placed the debt on my credit file. i tried to reach out to them but no solution.please help. thanks
Consumer complaint received 2015-06-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

One of the issues I have is my mother 's name is coming up on my credit report as if it were mine. We have the same name however XXXX. She has been deceased for 5 years now, however it is showing up. 
Another issues, is there is tax lien information coming up and the status is showing as paid. 
And lastly, I have school loan companies that are showing up as accounts I have, however I 've consolidated my loans and now only XXXX provider is handling my case, but the original providers are showing up as accounts ( with no dollar amount ) I 've had and they never really handled my case. How can I get those accounts off, when I no longer have any ties with them. 
Any information you can offer, will be greatly appreciated.
Consumer complaint received 2022-02-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (AL)

I deposit some checks into my bank account on XX/XX/XXXX I have a bank with regions account they put a hold on my account and told me they will hold the checks until XX/XX/XXXX and XX/XX/XXXX the checks has been released and they still havent taken the hold off my account or release my funds Im about to get put out the person who checks those was my girlfriend and her bank also called and confirm them checks was real and has been cleared for her account she bank with XXXX XXXX XXXX XXXX I have reached out them so many times cant get this issue fixed I also went inside a branch multiple times I still didnt get it fixed I just want my money
Consumer complaint received 2024-05-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: WESTERN UNION COMPANY, THE (CT)

For about a year now Ive been a member and I am enrolled in the WU Rewards program. I have yet to receive points to give me discounts as promised when I signed up. I send money to my loved ones in XXXX just about every 2 weeks so I should be compensated by now with multiple discounts that I have not received yet when sending money. I would like to have my discounts. This is misleading information when signing up if I am not receiving my discounts as promised. I would like to receive my points and use them towards my payments I send. I am owed plenty of money that I should be saving by now due to the discrepancy regarding this rewards program.
Consumer complaint received 2017-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

1. ) In XXXX USAA decided to reverse the decision made on a billing dispute the year prior in violation of fair credit billing practices laws, including regulation Z. 2. ) Despite immediately requesting copies of all investigative materials and documents to support their decision I have still yet to receive anything more than copies of my credit card statements. 3. ) Immediately after my request USAA began taking adverse action in violation of consumer protection laws. 4. ) In response I filed a complaint with the CFPB. USAA once again responded by taking even further adverse action in violation of consumer protection laws. 5. ) The statements I did receive do not add up for my account ending in XXXX. * Statement closing date XXXX/XXXX/XXXX shows a balance of XXXX of which there was/stiil is charge in dispute for over {$500.00}. * Statement closing date XXXX/XXXX/XXXX shows {$710.00} in new purchases for a balance of {$910.00}. This statement also shows the account being closed and available credit being XXXX. XXXX Statement closing date XXXX/XXXX/XXXX shows multiple credits totalling {$1300.00} yet, the total value for the period is shown as {$0.00}. Furthermore, this statements shows further charges despite the account already having been closed, and XXXX available credit as of the previous month. So the balance shown is now {$6600.00}. Which makes no sense. If the account was closed in XXXX, and has been reported as being closed to the CRA 's how could it then have been charged or made purchases? I have not received any notices of the account being re-opened, and it 's being reported as closed with a balance tapping into my other lines of available credit lowering my credit score. XXXX. ) No notification, statements or documents have been received after the initial document confirming receipt of my billing dispute in XXXX either. Nor do I see the charges for the charge in dispute being credited either.