davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO Bank, N.A. (CA)

On XX/XX/XXXX, after receiving a BMO Harris Bank promotion advertisement, I went to the BMO Harris Bank branch at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL, and opened a business checking account. I met all requirements ( see the promotion terms attached ) but did not receive the {$500.00} checking bonus as advertised. Since XX/XX/XXXX, I called several times XXXX XXXX, the Banker who helped me open the business checking account, and left voicemails but there was no response at all. Then I called the BMO Harris Bank customer service number several times to report this problem. Although the customer service representatives said they would escalate this and gave me an update, they never contacted me afterward. On XX/XX/XXXX, I called the BMO Harris Bank customer service number again and later got connected with XXXX XXXX who was the Branch Manager. On the same day, I forwarded the promotion email I received on XX/XX/XXXX to XXXX and he promised to resolve this problem. After that, I did not receive any response. Months later, I called XXXX to follow up and left voicemails. Still nothing. As of today ( XX/XX/XXXX ), I still did not receive the {$500.00} checking bonus as promised and never received any response from BMO Harris Bank.
Consumer complaint received 2022-01-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: American Credit Acceptance, LLC (TX)

i have been dealing with some financial set backs last couple months, losing work, missing more work due to catching XXXX  and fraud with my bank accounts declining payments i made causing my checks to come back and the bank paying off another automatic payment instead of the ones i authorized first to pay causing me to get behind on multiple bills. My car payment being one of them. I have been on time with my payments evne a year on furlough from XX/XX/XXXX til i returned back to work on XX/XX/XXXX, i still made an effort and never got behind on my payments until now. Good thing is i will be caught up middle of XXXX next month. A problem is now due to the declined payments ( even though i had enought money in my account to cover it ) this company has blocked any payments from me using a checking account, debit or credit card. I had my Bank even do a bill pay and send them the money so i 100 % gets to them, but my bank sent the payment to me instead. Now this company wont take my payment over the phone, and i been trying to pay it all month and last week. they said i broke my arrangements, and I have to go to XXXX XXXX to pay it. I tried paying XXXX XXXX with my credit card today but my credit company wouldnt allow it. last couple months i have been approved for refinace though other leasing companies that both of them have my intrest rate dropping more than 11 % with payments dropping $ XXXX {$65.00} less a month. Due to XXXX  and loss of work i just didnt think i should change things since i had been paying my car note and rent with my savings and early retirement i had taken out late XXXX to survive. i probably shouldve sent the car back then since i couldnt work and had no use for it. But, i dont want to mess my credit up since i worked hard to fix it and remain determined to get it up to a place i never had it before. I just want to make a payment today, or tomorrow. i also want to pay another monthly payment on the XXXX of this month.. that will be two months paid this month. After that i want to pay XXXX XXXX payment on the XXXX XXXX XXXX. But, will i be able to? will this company take a payment from me? I am begging them, just take my payments please.
Consumer complaint received 2021-02-25
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. (IN)

My initial complaint with Transunion ( XXXX ) was NOT resolved by them. They still have NOT, per my 4 letters I mailed sent me ANY signed contracts or verification of these accounts I requested contracts for. Legally, if they can not provide that to me then they need to be removed from my credit reports. They are not my accounts which is why they have not provided proper SIGNED documentation or contracts from me. They're breaking the law. All they provided was a letter stating that my accounts have been verified. HOW THOUGH? I requested proof 4 times. I sent 4 notarized letters to them and they are still twiddling their thumbs. Legally they had 30 days to update my report and they still have not. I am looking to sue them if this continues and these accounts are not removed.
Consumer complaint received 2015-10-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: CCS Financial Services, Inc. (PA)

I informed XXXX 1 month before I swiched auto insurance companies that I was looking for better priced Insurance. I found insurance for half of what they were charging me with XXXX XXXX PA. and replased XXXX with XXXX. XXXX now is reporting to XXXX that I owe them over XXXX dollars and this is in collection and is refusing o remove this from my credit report. 

In the state of Pennsylvania all insurance must be paid for prior to service, How can owe them anything? 
Car insurance is paid 1 month in advance also and I did not get any money returned for that or my home owners insurance. 

This is labeled collection Service # XXXX exact amount XXXX.dollarslus you can lose your right to dive if you do not have insurance these people did this also and I was pulled over and checked for insurance by XXXX Police.
Consumer complaint received 2022-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION (TX)

Regions Bank has charged me outrages NSF fees over the last couple of months, each time they take more and more money, they charge my account weeks later for even more fees. Last year the CFPB became very critical of bank over draft fees. Although they agreed to a settlement, Regions bank is still charging outrages NSF fees. This bank thrives off greed and taking advantage of the consumers. I want my money refunded to my account, and for Regions to be held accountable for their actions. We the consumers have enough to deal with especially with the rise in prices. We should not be forced to pay for a CEO greed, Regions should be made to change their banking procedures. They are literally stealing from consumers and not being held accountable, we have had enough. XXXX XXXX XXXXXXXX and XXXX XXXX  are now being sued because of excessive NSF fees, Regions Bank is no better.
Consumer complaint received 2024-03-02
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ALLY FINANCIAL INC. (NJ)

I Bought new windows for my home. I financed them through ally bank. They dont listen well. Im not paying a late fee. I am one person taking care of my XXXX XXXX. The budget is tight. I pay my XXXX every single month. The issue is this company wont move the loan to a different due date. My mortgage is due on the XXXX. Im not missing a mortgage payment for this bank. I was a few days late. They charged me a late fee. They wont remove it I refuse to pay it. They wont move the loan. Ill be damned if Im going to pay them any extra for not extending courtesy. Now that I refuse to pay it. They just keep adding more on. Now Im considering getting a lawyer and suing them. Ive had it with them calling and demanding an extra XXXX dollars I need to buy supplies to take care of my XXXX. Im not rich. This bank is taking advantage. I also believe they are in violation of New Jersey law by not giving me a new due date which I requested. Late fees now totaling XXXX dollars. You cant charge a late fee for a late fee. Its not legal.
Consumer complaint received 2022-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (VA)

I submitted the prior case number to Equifax through CFPB portal and yet again this has been closed out stating I'll receive a response in the mail which never happens. 

I am fully aware that my information was breached in the data breach settlement and have no confidence that Equifax will do anything that they advise. 

I am asking that the invoice for violations be made payable to me using the information on case # XXXX.
Consumer complaint received 2021-02-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE (MI)

Huntington Bank filled a lien on my mortgage in XXXX that is an error. The bank was aware of the error and they willing and knowing have failed to release the mortgage, when the error was found in XXXX. 

I have made several contact attempts with XXXX XXXX, XXXX XXXX branch manager, who provided me proof of the error, he then contacted the proper departments ( XXXX XXXX at XXXX XXXX XXXX main office in XXXX Manager ) to resolve this and XXXX nor I have not had any luck or feedback for getting this resolved. 

At this point I am in jeopardy of losing the sale of my property due to this material fact that has clouded my abilities to settle this estate. 

I am requesting the discharge to be done immediately and submitted to XXXX XXXXXXXX XXXX XXXX Attn : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX MI XXXX Due to XXXX county is several months behind in recording and would cause further delays. 

Thank you XXXX XXXX ( XXXX ) XXXX XXXX
Consumer complaint received 2022-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

I submitted disputes with Equifax six times regarding the same company 's error 's. At one point the info was updated and removed now it back on my report.
Consumer complaint received 2021-03-26
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. (MN)

The following credit inquiries listed on my XXXX, Experian and XXXX XXXX credit report are fraudulent and unauthorized : XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX  XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, and XXXX XXXX XXXX, XX/XX/XXXX
Consumer complaint received 2024-03-04
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (TN)

On XX/XX/XXXX I emailed them stating that they were stolen they were addressed to my apartment complex the XXXX of XXXX there was still no response the XXXX they response told me sorry here 's the copies of your cash money orders and they had a personal name on them therefore they were fraudulently defaced and haven't received a response since nor received my money back total of {$2000.00}
Consumer complaint received 2024-03-04
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I received a credit card in the mail and didnt think anything of it. It wasnt until I checked my credit report to see that it was a hard inquiry that brought my credit score down. The credit card was unauthorized and I never applied for it.
Consumer complaint received 2022-07-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: SYNCHRONY FINANCIAL (CA)

I am XXXX XXXX I been a victim of retail consumer fraud since XXXX until XXXX which is now I have bank accounts open in my name XXXX XXXX XXXX XXXX  for 20 or more something years I received a letter from another consumer being notified the items was trying to be bought from my credit card accompany I immediately contacted the company they tell me that I have two accounts open one has been open since XXXX and one has been open since XXXX the company that was XXXX was XXXX XXXX second the XXXX XXXX XXXX company and they were very excited to tell me yes you have two accounts open with us and I'm not understanding how come I was never notified about these reports and who's the person that opened up these accounts at this time these accounts were open I was the age of XXXX XXXX XXXX so really came to my understanding of not knowing how without no identification or anything then I'm finding out being stopped by the police that I have a XXXX XXXX  driver 's license in my name which I've never had a XXXX XXXX license in my name so I was trying to find out how did all this stuff happen to me and why is it going on and as of now I'm still going through this it is very harmful I am going to XXXX  XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX unspokenly I went to Social Security to switch my social they wouldn't do it for someone reason I had to go to court pay signs because of the XXXX XXXX  license trying to get my license I am very sick and tired and emotionally stressed I honestly want I feel like XXXX XXXX XXXX XXXX XXXX because my human rights has been took it I would like to be contacted about this I need some help I need help with this because it's still going on money has been still not of my accounts out of my work accounts I want to bring this to a notice to be seen and for people to be penalized for this for whomever I'm thinking this is not right I even saw the case with police courts the XXXX  and no one 's trying to help me out so now I'm following the case with you guys please contact me thank you I have much more to say just couldn't put every word and everything into it
Consumer complaint received 2022-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

yes i was told by my bankruptcy attorneys not tp make one payment in XXXX and ir would be part of bankruptcy  case so it should not have to dp with ypuse you should have been current with me when you took over account in XXXX not looking foe late payment in XXXX which was part of bankruptxy and should be reflected in XXXX  records not yours to be brought up in XXXX and should be marked differant then they are by way your reporting it it should be 4 reports of 30 days late not 30 30 80 80 90 the way your reporting it on one credit report and 30 30 60 90 120 on another one get your facts straight and report that
Consumer complaint received 2018-03-15
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. (PA)

On both credit reports XXXX and Experian they show that I have accounts with XXXX XXXX XXXX and XXXX XXXX. I do not have accounts with them. I called XXXX XXXX XXXX and XXXX XXXX they both said that they do not have any accounts with my Social Security Number. The partial account number listed on XXXX XXXX XXXX is # XXXX on both XXXX and Experian. Partial account number listed on XXXX XXXX is # XXXX. 
This number is on both XXXX and Experian. I have filled out the papers that both Experian and XXXX provide if you have issues with the reports. Told both XXXX and Experian that these account are not my. To remove them immediately. I contacted the fraud departments of the bureaus. I have also informed the Federal Trade Commission and they said to contact you. Also filed a police report with XXXX, PA police department. Report number with them is XXXX.
Consumer complaint received 2024-03-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC (MD)

On XX/XX/year> escrow analysis completed and surplus refund was supposed to be issued that same week. Called Flagstar to inquire. Was mocked and supervisor and representative refused to issue another check. As of XX/XX/year>, I have not received refund and I can not get a reasonable explanation or reasonable outcome
Consumer complaint received 2021-03-26
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION (CA)

We applied for a mortgage refinance with the same credit union we have a loan through ( NFCU ) and this was at the beginning of XXXX, its currently XX/XX/21. In the beginning after we submitted our application along with the required documentation, they had my name wrong and my wifes birthday wrong. We have had our close date moved twice and were potentially going to have a third if they cant close on XX/XX/21. Weve had our application handed off to multiple loan processors due to leaving their roles. Weve had our credit ran three times, which as you know dings your scores. Weve paid for the appraisals and pest reports ahead of time. Our loan appraiser ( XXXX XXXX ) will not return phone calls or emails nor will her supervisor ( XXXX XXXX ) weve tried escalating this past XXXX but were told from the call center that were unable to escalate past XXXX even though he wont call us back or email back. Just a short time ago on the line with NFCU trying again to contact them both and get an update, we find out that XXXX is out of the office until XX/XX/21 which were supposed to close on XX/XX/21. No warm hand off, no follow up and here we are at their beckoning call.
Consumer complaint received 2015-04-07
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

Portfolio Recovery contacted my employer on Friday XXXX XXXX, XXXX times! The company was closed so a message was left on my employers answering machine that " he had XXXX accounts on his desk to discuss with me and if I did n't call back, he 'd have to take it to court. '' My boss only had a phone number, the person did not leave his name or name of company. To my knowledge this is in violation of the FDCPA!
Consumer complaint received 2021-02-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: STATE FARM BANK, FSB (TN)

This is a new complaint that was not resolved or addressed on XXXX On XX/XX/XXXX, StateFarm bank withdrew my mortgage payment in the amount of {$1200.00} and on XX/XX/XXXX StateFarm says it gave me back the money back due to insufficient funds. If there was insufficient funds, the payment wouldn't have taken 30 days to fail. You can see by the bank statements that I am providing that the XXXX payment came out, but was never given back. I informed StateFarm of the error and opened a case. I even provided them with all documentation requested including a track and trace from my bank. I did make a payment on XX/XX/2021 ( to cover XXXX ) and another one on XX/XX/2021 ( for XXXX ) just to make sure I didn't get negatively impacted during my open case. The XX/XX/2021 payment was not accepted b/c of the mortgage servicing transfer to XXXX. I was not notified about the payment not being accepted ( I did receive a confirmation from StateFarm for this payment ) until the transfer. 


Also, I have been impacted on my credit report for a 30 day late XXXX Mortgage payment. This is not true b/c I made 2 payments in XXXX in order to not become delinquent during the claim I had in process with StateFarm bank. I would like to have this removed from my credit report.
Consumer complaint received 2023-03-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (KY)

I initially contacted XXXX regarding the payment information reporting on my credit file and they said it was out of their hands. They stated it wasn't anything they could do. 
On XX/XX/2020 I sent a letter directly to the credit bureaus to validate that the information reporting via XXXX XXXX was correct. I can clearly see that payment information is reporting inaccurately across all 3 bureaus. 
On XX/XX/2020 I sent them a letter asking them to verify how they verify/validate the account. 
On XX/XX/2020 I sent another letter since I had not received a response from all 3 bureaus. 
On XX/XX/2020 I then sent another letter asking them to please delete the late payments from my report since they are reporting inaccurately and they refused to properly verify it with me. 
On XX/XX/2020 I sent in another letter stating I planned to file with cfpb and my attorney general since they are refusing to proceed with a thorough investigation. 
On XX/XX/2020 I sent another letter stating I was going to explore my legal options since I was being ignored. 
On XX/XX/2020 I had send in another letter, and haven't heard anything.
Consumer complaint received 2020-10-16
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. (IN)

Information received back from dispute to XXXX XXXX validates my reason for dispute. 
Letter from XXXX XXXX states the reporting is accurate. ( See attached documents of reports showing multiple errors. ) 1. Letter  states account was a collection as of XX/XX/XXXX? How is this possible when my last reported payment in full is XX/XX/XXXX? 

2. Account is still on report as collection as of today. XX/XX/XXXX. This is clearly inaccurate. 

3. Letter states that first delinquency date was XX/XX/XXXX? Credit Report clearly shows first delinquency date of XX/XX/XXXX. Which indicates rollback and illegal re-aging. 

4. One report shows paid, and other shows as derogatory thats still in collections. 

These are multiple inaccuracies which are in violation of my rights under FCRA law.