davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-18
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. (PA)

This is 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 Credit Bureau 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 FairCredit 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 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 XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX PA ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-03-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Avid Acceptance, LLC (AZ)

On XX/XX/XXXX I spoke with XXXX XXXX at Avid Acceptance in regards to my auto loan that I had fallen behind on my payments. She verbally guaranteed that if I paid {$800.00} I would bring my account current and not have a remaining balance owed until my scheduled payment that would be due on XX/XX/XXXX. I made the {$800.00} payment then. 

Later on XX/XX/XXXX at XXXX I received an email from XXXX stating she was incorrect and that I needed to now pay additional {$71.00} and she again guaranteed that after making the {$71.00} payment I would not have any remaining balance owed on my account until my regular monthly payment due on XX/XX/XXXX. I then made the {$71.00} payment. 

On XX/XX/XXXX I noticed my account showed I owed my regular monthly payment plus an additional amount of {$190.00}. I immediately emailed Avid Acceptance and provided them the email from XXXX guaranteeing twice that if I made the {$71.00} payment after already making the {$800.00} payment my account would be caught up with no balance remaining. I received a response back same day explaining I now have fees from the past of {$190.00}. I responded back again with XXXX email guaranteeing me no other fees would be on my account and I explained I hope they can resolve this so I wouldn't have been misled. They again emailed sorry but not sorry and I still owe the {$190.00}. I then told them I was going to report them for misleading me and adding additional fees after promising I had no other fees on my account remaining.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

In XX/XX/XXXX of XXXX I XXXX XXXX wrote a Correspondence to all 3 Credit Reporting Agencies asking them to remove this incorrect information from my Credit Report, XXXX took the false information off their credit reporting but TRANSUNION and XXXX refuse to comply with the fair credit reporting laws, rules, and regulations of the CFPB.
Consumer complaint received 2024-03-13
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK (CA)

I noticed this over the past XXXX months as I was comparing statements. 

I Recently made extra payments to pay off the balances that were interest bearing ( 20 % ) but instead of applying my payments to those amounts, Discover applied them to the balances I had that were 0 % interest. Told me that the only way I could pay off interest bearing balances is to pay off all lower interest balances first. So I now have interest bearing balance that I can not get rid of even though I already paid it off. 

In my opinion this is fraud and really is bullying by Discover and unethical and needs to be resolved. 

Discover payment policy provided to me in a recent chat with them. 
Sent at approx. XXXX XXXX PST XX/XX/XXXX : When you make payments to your Discover account. Every dollar of your minimum amount due comes off of whatever portion of your balance has the lowest interest rate ( your balance transfers ) and the remainder of your payment comes off of what has the highest interest rate ( your purchases ). 

The above was first response which was why I was contacting them because the excess of my recent payment had not been applied to my highest interest bearing balance. When I asked them for a breakdown of how my recent payment was applied I was re-connected to someone else who provided the policy below instead. 

Sent at XXXX XXXX PST XX/XX/XXXX : Payments are automatically allocated to the lowest interest rate balance first ( balance transfers ), then to the highest interest rate balance ( purchases ). 

I asked them nicely to please resolve this by applying my most recent payment to the interest bearing balance instead of the 0 % balance but they would not comply. I have been a good customer but will not continue using them in the future with ethics like this. At this point I can not pay off my interest bearing balance unless I pay off the entire balance I owe. 

Unethical in my opinion. 

Appreciate any help you can provide.
Consumer complaint received 2023-03-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX I received a text from a # stating that there is a suspicious transfer from XXXX and it asked me to reply yes if I authorized and no if I did not. 
I replied no and shortly after, i got a call from XXXX. 
I talked an imposter that pretended to be a bank of America Customer Service Representative. 
He told me that my account has been compromised that that the perpetrator has scheduled XXXX dollars in total to be taken out of my account. 
He then told me that I will need to transfer money to a temporary account and that all the money will be credited back to me once investigation is over. 

He has walk me thorough creating a new recipient and provided a new phone # each time since it would expire after 24 hours. He walked me through receiving a message from bank of America or approve transaction and it should reflect on my account once I replied yes that it was being on process and the next following day, it should clear. 

He had instructed me to transfer money in XX/XX/XXXX at XXXX and was on the phone for 39 minutes and money was transferred with total amount {$3500.00} ( XXXX transaction XXXX and XXXX transaction {$100.00}. 
He then told me that I will be doing this for 3 days so total amount of XXXX can be transferred and that my money will be safe. 
He called me back XX/XX/XXXX around XXXX and I did the same transaction which totaled to XXXX dollars and also XX/XX/XXXX at XXXX which totaled to XXXX dollars. 
Once I was done with the transfers that week, he told me that I would receive a call the following week and would have to transfer another XXXX. 

He continue to contact me from the same # and gave me updates that my case is being investigated and they'll continue to send me updates. 

I got another call the following week XX/XX/XXXX around XXXX and he had walked me through transferring another XXXX dollars. 

I noticed that the amount of money in my account was decreasing so I called Bank of America the same day but could not get through as their customer service line is close and will be open the next business hours. 

I called the next following XX/XX/XXXX and talked to a representative and let them know my situation. The representative I talked to said that there was no notation about someone from their team reaching out to me those days I transferred money. They then transferred me to Fraud department and I filed a claim. The representative told me that they will be doing an investigation and on the XXXX day I should get an email from Bank of America that will give me an update of the investigation.
Consumer complaint received 2022-01-18
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. (NY)

To whom it may concern, I asked you to disclose your method of verification on the alleged bankruptcy you are reporting. You then replied to me claiming that the bankruptcy was verified by XXXX XXXX AND THE Bankruptcy Court Appalled by that information, I went directly to XXXX XXXX AND THE Bankruptcy Court and in response to my inquiry they claim to have never verified this item with you. This would mean this bankruptcy is by law considered UNVERIFIED. 

I AM AWARE, THE FCRA STATES THE FOLLOWING : A CRA must remove or correct inaccurate or unverified information from its files, usually within 30 days after you dispute it. 

I have enclosed their letters for your inspection. Please DELETE this item from my credit report as it is NOT verified! ( US BANKRUPTCY- XXXX ) The OCR and XXXX XXXX VERIFYING THIS INFO IS NOT RECOGNIZED AS PROPER VALIDATION! 

Please send me an updated copy of my report once the bankruptcy is DELETED. 

Best regard, XXXX XXXX
Consumer complaint received 2023-03-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (RI)

I was laid off from XXXX XXXX XXXX and was offered a grant from Rhode Island Housing Assistance fund for 24 months mortgage payment Assistance but it required my servicer to provide my mortgage records. Which were requested by Rhode Island Housing on well over a month ago and by me daily. I call every day and get nowhere. 

The day I was laid off I called and requested forbearance and it took me two months to get approved. Other servicers are very responsive, and Fifth Third Bank is not willing to help. I will likely lose my grant due to Fifth Third not responding to Rhode Island Housing for my mortgage records and lose my home.
Consumer complaint received 2024-03-13
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: TOYOTA MOTOR CREDIT CORPORATION (IL)

Toyota motor credit Opened XX/XX/2020. 

Toyota motor credit 13 missed payments or late payments on my credit report. 


Toyota Motor Credit XXXX XXXX XXXX XXXX XXXX, IA XXXX U.S.A. 
XXXX It says payment history I made 66 % of my payments on time. This is incorrect.
Consumer complaint received 2024-03-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (TX)

My original servicer XXXX, deducted my MUD tax at the end of XXXX from my escrow account. In XXXX my loan was transferred to Mr. Cooper and on XX/XX/XXXX I saw an escrow payment reversal of the MUD payment back into my escrow account. I called XXXX and they said they did not have access to see anything and that I should call Mr Cooper. I tried to call MR Cooper to speak to someone and it is impossible to speak to a person. I emailed their message line and chat with a rep and was assured the XXXX  had been paid but I called the county XXXX and the account is now 2 months delinquent. I need my taxes paid and MR Cooper or XXXX needs to pay the late penalty charges. This is the second time XXXX  has not paid my taxes on time.
Consumer complaint received 2023-03-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Following court ordered Mediation for their failure to submit a legal response nor defense, Capital One has ignored NYPD Complaint Report Number:XXXX XXXX XXXX XXXX XXXX : # XXXX , continuing to hold deposits into the OPEN bank account # XXXX as recently as XX/XX/2023.
Consumer complaint received 2020-12-07
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: BMW Financial Services NA, LLC (NY)

I have leased a XXXX vehicle XXXX XXXX vehicle from XXXX  of XXXX, XX/XX/XXXX. Every month the bank deducts the payment directly from my account. My family and I was XXXX with XXXX on XX/XX/XXXX and I was in most serious condition. My father also passed during these trying and extremely hard times. As a result, one of the payments on XXXX XXXX was returned from my bank for insufficient funds. However our lives were in disarray as all for of us were XX/XX/XXXX and were in XXXX during the entire period. XXXX  in the mean while had gotten payments from my bank until now on TIME and to this date. 
After seven months I received a call from BMW finances saying that I was in collections and I owe {$920.00}. I didn't have work for 8 months but I kept up my payments. I explained to them that it was because of my sickness I was unable to attend to the matter, but they have no mercy. They reported me to the credit reporting agency for seven consecutive months and demanded payments, they have do not want to help their customers during this HARDSHIP. They even today threatened to report my wife to the credit bureau. I have asked them numerous times and spoke to higher up to adjust the late fees and but they keep threatening and destroying our credits. I have spoken to the manger of finances of XXXX  of XXXX and they say they can't help either. All other major car companies are helping their customer but BMW. We need the people of America beware of this situation. They will not HELP YOU during this PANDEMIC and tough economic downturn. I even offered them my XXXX test results but it went through deaf ears.
Consumer complaint received 2024-03-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC. (WA)

PennyMac with full knowledge of a tax exemption granted to me by the State of Washington, due to age and XXXX, continues to collect and retain my full assessed tax. They claim they have, which amounts to {$20.00}. In reality my tax for the entire year is {$660.00} half payments of {$330.00} due in XXXX and XXXX My escrow account as of this date contains approximately {$4700.00} The tax exemption was granted to me in XXXX and with numerous attempts to solve this, they continue to make up excuses. Even though through taxes records and insurance, XXXX which I pay in MY name from MY bank account they insist my ex-husband has responsibly for the house that I own and have lived in 21 years The property is in MY name only. I have been divorced since XXXX.
Consumer complaint received 2021-04-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION (MD)

In XX/XX/2020 when the pandemic hit, we called SunTrust to inquire about the process of a forbearance ( we are both realtors and needed to know how they worked for our clients as well as for us in the event the real estate market took a nose dive ). They explained the process but we never asked to be placed in forbearance, we never signed paperwork to do a forbearance, and we never missed a payment. 

In XXXX, we got a letter from SunTrust stating our forbearance was ending and asked if we wanted to extend it. We wrote back saying we never exercised the forbearance and told them to remove that from our record. Clearly, they didn't. 

We are now trying to refinance and are not getting approved because " we were in forbearance until XXXX. '' We've been on the phone and emailing daily trying to get SunTrust to send us a letter stating we were never in Forbearance but they wouldn't do that. They said they would only send a letter saying we cancelled in XXXX. 

Secondly, our statements show that there are Unapplied Funds. There has been no explanation for that. This is the second reason we are not getting approved for our refinance. 

Further, we received a letter yesterday from the XXXX  XXXX  Client Representative, XXXX XXXX ( who failed to return any of our calls ). Why do we have a home preservation client represenative if we aren't in forbearance????? The mortgage loan payment history she sent shows " suspense '' at each of our monthly payments. Why? 

XXXX  XXXX  - We never requested a forbearance, we paid on time every single month and we request a letter clearing us of this financially devastating erroneous status. 

We have spent hours and hours and hours trying to get it rectified and yet, we can not get a letter stating we never signed up for the forbearance. 
We are at grave danger of losing our lock and if we do, we will lose the opportunity to save {$2000.00} per month on our new mortgage.
Consumer complaint received 2021-06-22
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. (CA)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX/XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 5. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX/XXXX  on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2022-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was young man and had no idea how much credit played in your life. I wasn't aware it was a necessity to live and could affect you so tremendously. As I got older I started learning more about credit and realized I should be monitoring it frequently. Looking upon my credit reports and open accounts, I saw an account that I didn't understand or recognize. In which I realized my identity had been used in my youth years which I didn't authorize or aware of. I have a credit inquiry on my credit report that I did not authorize such as : XXXX XXXX XXXX My address is incorrect on the report. My address is XXXX XXXX XXXX XXXX, XXXX XXXX fl, XXXX
Consumer complaint received 2022-01-18
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. (NY)

To whom it may concern, I asked you to disclose your method of verification on the alleged bankruptcy you are reporting. You then replied to me claiming that the bankruptcy was verified by XXXX XXXX AND THE Bankruptcy Court Appalled by that information, I went directly to XXXX XXXX AND THE Bankruptcy Court and in response to my inquiry they claim to have never verified this item with you. This would mean this bankruptcy is by law considered UNVERIFIED. 

I AM AWARE, THE FCRA STATES THE FOLLOWING : A CRA must remove or correct inaccurate or unverified information from its files, usually within 30 days after you dispute it. 

I have enclosed their letters for your inspection. Please DELETE this item from my credit report as it is NOT verified! ( US BANKRUPTCY- XXXX ) The OCR and XXXX XXXX VERIFYING THIS INFO IS NOT RECOGNIZED AS PROPER VALIDATION! 

Please send me an updated copy of my report once the bankruptcy is DELETED. 

Best regard, XXXX XXXX
Consumer complaint received 2021-08-09
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. (FL)

I am very pressed by terrible life conditions and these fake accounts in my credit report just ruining my life. I want you to delete them as I can not operate anymore ... These items just killing my score and my future.
Consumer complaint received 2020-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

ive requested proper debt validation based on section 609 of the fcra with no feedback and its been beyond 30 days ago violating fcra 611 also violating fdcpa policy theses companies continue to say the debt is valid with no physical proof in any way this is illegal and im in definite need of help please thanks
Consumer complaint received 2022-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

I opened my Alaska XXXX XXXX XXXX card with Bank of America in XXXX of 2021. I went into my account and set up autopay shortly after receiving the card in the mail, prior to my first payment. 

I was charged a late fee on XX/XX/XXXX after my first payment did not come out as expected, despite having already set up autopay. There were no issues with my checking account. Bank of America did not pull the payment. I went in and made a manual payment immediately after the late fee was posted. I received no emails or app push notifications that a payment was missed from BOA despite having them set up. 

Although customer service reversed the late fee, rightfully so, they have refused to do anything about the {$19.00} in interest charges, despite numerous requests for them to reverse it. 

I had automatic payments set up. They didn't pull my payment. It is not right or fair that I have been charged interest.