davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-30
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. (FL)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2015-07-25
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Bliksum, LLC (CA)

I thought I could trust LoanMe, so I did n't think twice about their rate of 99 %. But now I 'm paying {$800.00} on a {$10000.00} loan each month and it will take 3 or 4 years to pay it back. 

It jarred me when I found out from another loan shopper guy that 35 % is considered very high among thousands of lenders and that LoanMe 's 99 % is unheard of. 

Is n't this usury? Should n't consumers be protected?
Consumer complaint received 2015-05-20
Product: Credit card — 
Issue: Rewards — 
Company: TD BANK US HOLDING COMPANY (FL)

I applied for TD Bank XXXX card on XXXX/XXXX/14. They had an offer ending XXXX/XXXX/14 stating that I should receive {$100.00} in cash back rewards after spending {$500.00} or more within first XXXX days. I have spent more than {$500.00} within that timeframe, but have never received this bonus. I have already filed a claim to CFPB and TD Bank replied that XXXX points were credit on my XXXX 2014 statement. But that response was incorrect because there is no XXXX points credit on my XXXX 2014 statement. My XXXX 2014 statement only includes 5 % cash back from spending categories XXXX purchases at grocery stores and gas stations XXXX.
Consumer complaint received 2016-02-08
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: BB&T CORPORATION (WV)

On XXXX/XXXX/2016, I made a mobile check deposit from XXXX, to BBT. The check was in my name and the amount was {$2500.00}. BBT placed an administrative hold on the funds, until XXXX/XXXX/16. Once the funds were released, I learned that they had frozen my savings account where the check was desposited because they believed that the check was fraudulent. I then contacted XXXX, who told me that the funds had been sent, and that there was no way to get the money back. I contacted BBT multiple times and tried to resolve this issue, but as of XXXX/XXXX/2016, my savings account remains frozen, with no XXXX proof that the check was fraudulent. They told me that they had contacted metabank who told them that the check was unauthorized, but when I contacted metabank they claimed that no such call had occurred. A worker named XXXX in the fraud department for BBT actually placed the hold on the account.
Consumer complaint received 2021-02-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Transunion has INTENTIONALLY damaged my reputation and committed WILLFUL neglect/negligence by not removing inquires. I will continue to dispute this issue until it is resolved.
Consumer complaint received 2015-04-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: 21ST MORTGAGE CORP. (CA)

Our mortgage payment was mailed in 9 days late. We received an extremely harassing telephone call from 21st Mortgage Company, threatening us with damaging our credit by reporting it late if we did not turn over our bank account information for immediate payment withdrawal, and telling us putting it in the mail was not acceptable. The person on the phone, when his information was requested, said his name was XXXX and he was our account manager, and refused to provide any other information. He repeatedly tried to bully me into providing my account information, and I finally cornered him into admitting the payment was not late yet. This is unacceptable.
Consumer complaint received 2015-08-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

It says on my report that i have an outdated issue with XXXX XXXX bank on XXXX XXXX, 2013. This can not be me, my grandmother just passed away a week before this and i have NEVER had a credit card. To this day i have no credit cards, so i do n't understand why it is on my report. i had a great credit score and now its very bad and i 'm afraid someone might have stolen my identity for a card from this XXXX XXXX bank. please help me i have no idea who to contact.
Consumer complaint received 2021-02-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: ARVEST BANK GROUP, INC. (CA)

rvest Central Mortage is overcharging for closing documents. They give you an estimate prior to closing they call it a Release Fee, If you request a receipt they instruct you to perform the labor to go to the county and get it yourself. In my case the actual cost of said fee from the county was lower than the estimate, and they never returned the money even after I sent certified mail requesting the difference. This is fraud.

Arvest Central Mortgage has fraudulently charged fax fees. Arvest Central Mortgage has not provided any specific written documentation within loan documents nor recordings from Arvest Central Mortgage automated system as repeatedly requested since XX/XX/2020. As such the ( 2 ) {$15.00} fax fees are being viewed as fraudulent charges. If a refund of {$30.00} is not received within 30 days this charge will be viewed as fraud and legal action will be taken immediately. 

Arvest Central Mortgage has caused me to perform labor and mailing cost in which they refuse to reimburse in which is in violation of the Constitution as I owe no one involuntary servitude. Arvest was made fully aware of labor fee cost.

.
Consumer complaint received 2015-05-22
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CITIBANK, N.A. (NY)

I have an account at citibank for more than twenty years. recently they informed me that my direct deposit alone would not qualify me for free checking, so they recommended a basic checking and savings account and it must include a monthly recurring bill payment. my account was set up on XXXX XXXX 2015. The agreement ( by phone ) was that each month starting in XXXX 2015, they would make a payment to CITICARDS as installment on my creditcard. The payments are due on the XXXX of each month and they would debit the amount on the XXXX of each month. On XXXX XXXX, i discovered that they did not make my payment. I called CITICARDS and explained the situatation and they inturn, deducted the money from my checking account. I was told by the representative that a FEE will be accessed, once my new statement is generated, and i should call them, and they will remove the fee. On this day XXXX XXXX, I discovered that the FEE has been charged to my account and I called CITICARDS, told me that they can not remove the charge of {$35.00} because it 's justified, and it 's not their fault. I then contacted Citibank checking, and while they are fully aware that an error was made, they are telling me there is absolutely noting they can do. I believe this is wrong. How can i be responsible for a fee that i did not create? I would like some help. I can imaging the number of people these banks cheats out of their hard earned money. 
Thank you for understanding
Consumer complaint received 2023-03-30
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. (TX)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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
Consumer complaint received 2021-04-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX a {$50.00} bill was taken from my wife by a teller while making a deposit at a local Wells Fargo bank. The teller claimed it was counterfeit and gave my wife a receipt for the bill. Over the past year I have initiated multiple phone conversations with the branch manager, district manager, and the Enterprise Complaints Management Office of Wells Fargo. To date, Wells Fargo has no policy that holds them accountable to their customer for taking a suspected counterfeit bill. 

We received an XX/XX/XXXX letter from Wells Fargo that explained there lack of accountability for our bill. They placed the blame on the U.S. Secret Service. This explanation is unacceptable. We have way of knowing nor proof that the bill was even given to the Secret Service. When Wells Fargo took our bill they assumed the responsibility to properly account for that bill, and to communicate and proof to us that it was in fact counterfeit. Because of Wells Fargo 's lack of accountability we have no idea what happened to that bill.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (OH)

My only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Please delete the following unknown address they are not accurate : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I am requesting them XXXX to be reomved I never lived at the above addresses.
Consumer complaint received 2022-07-19
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX  ; - Account XXXX XXXX  # XXXX - Account XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-30
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. (TN)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I hope the disputed items will be corrected ASAP. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-03-24
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA (NY)

My XXXX payment is almost half of my monthly income. I have contacted Aes several times about lowering my payment but every time they refuse to help. They say I am not eligible for any of the other options. I am a XXXX and will be forced to default if American Education Services refuses to help with a lower payment.
Consumer complaint received 2022-10-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kimball, Tirey & St. John LLP (CA)

This firm is attempting to collect a debt and they have not given me any information as to what they are claiming I owe. This issue dates back to 2020 and they are attempting to levy my account without giving proper information and notice.
Consumer complaint received 2015-10-20
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Google Compare Credit Cards Inc. (PA)

I 've had a Google Waller account for some time. Earlier today, I received an email that stated my account was put on hold due to suspicious transactions I had placed. After a long phone call, Google decided to close my account, which I believe is unjustified. All the transactions that took place were made by me ( and only me ) and I was n't given an opportunity to appeal the decision. As a XXXX service that I trust, I want my account reinstated after proving no transactions were unauthorized.
Consumer complaint received 2016-03-02
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I recently opened a credit card account for XXXX, XXXX XXXX with Capitol One Spark. I spoke to a representative about the application process beforehand. The company gave me a {$500.00} credit line. After I activated my card, I could not use it because on XXXX/XXXX/16, an unidentified Capitol One representative put an illegal hold on my account. This representative did not have a court order and acted illegally. When I filled out the application, Capitol One approved my credit, because of my credentials. I run a paralegal consultation firm. The male representative treated me in a discriminatory way and did not let me speak to a supervisor because of my gender.
Consumer complaint received 2022-02-03
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. (GA)

to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2016-03-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently pulled my credit report from XXXX and Transunion, and to amazement, I still see this company name XXXX XXXX reported as a charge off. I have disputed this account with Transunion and XXXX. However, it comes back " verified '' I am very curious as to what kinds of " records '' this company has on this account. I have sent request for validation/verification of this alleged account. No response have been received from this company for over a year. I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX v XXXX ( MO ) XXXX XXXX XXXX I may presume that no proof of the alleged debt can be validated. Also, under the Fair Credit reporting Act, this disputed account my not appear on my credit report if it can not be supported by any evidence. If this matter does not get resolve amicably, I will file charges against this company for violation of my federal rights. I have been dealing with this issue since 2014..
Consumer complaint received 2024-01-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: PNC Bank N.A. (CA)

I am writing to file a formal complaint against XXXX XXXX, a former loan officer at PNC Bank, detailing a series of concerning and unethical incidents during my mortgage application process. 

Below is a chronological account of the issues encountered : XXXX. Inconsistent Information : XXXX initially assured a 15 % down payment, but the loan documents consistently reflected 20 %, along with unwanted points. XXXX acknowledged the errors but assured corrections and removal of the points in the final closing disclosure. XXXX never removed the points before she quit ( details below ) and we had {$6600.00} points amount that she said should not be there. 
XXXX. Missed Closing Date : Three days before the scheduled closing on XX/XX/XXXX, I was informed by my realtor that documents were incomplete at the title company. XXXX cited uncertainty and suggested a notary signing on XX/XX/XXXX, as we were away from XXXX XXXX. 
XXXX. Power of Attorney ( POA ) and Legal Delays : In an attempt to salvage the situation, a POA was arranged for signing while abroad. XXXX indicated the CD couldn't proceed until PNC 's legal team reviewed the XXXX documents. The delay heightened tensions with the seller and she never heard back from legal. 
XXXX. Penalty Agreement : Facing a potential loss of the property, XXXX negotiated a penalty fee of $ XXXX, starting XX/XX/XXXX. It was agreed that PNC would cover this fee, relieving us from losing the house. Total fee ended up being {$6000.00} that they never reimbursed. 
XXXX. Post-Trip Closing Delays : Upon return on XX/XX/XXXX, assurances were made for a XX/XX/XXXX closing. However, on XX/XX/XXXX, XXXX claimed ongoing work on our interest rate and the need for additional clearance, causing further delays. 
XXXX. Incorrect Closing Disclosure : When the initial CD was received on XX/XX/XXXX, it reflected the correct 15 %, but the points fee persisted and the penalty fee was present without resolution to our reimbursement as previously promised. Requests for corrections and addressing the penalty fee were not resolved. 
XXXX. XXXX XXXX 's Departure : On XX/XX/XXXX, XXXX quit the bank due to alleged mistreatment of customers, pledging to reimburse the penalty fee personally. However, subsequent attempts to contact her were met with silence and she blocked my number. 
XXXX. Managerial Inaction : XXXX XXXX, XXXXXXXX XXXX  manager, was contacted but proved unhelpful, as he was away during the critical period, leaving issues unresolved. 
XXXX. PNC reached out for information - I gave them evidence in the form of emails and text messages showing the empty promises XXXX made - they performed their own internal investigation and said PNC does not have a policy to pay a penalty fee. 
This experience raises serious concerns about the professionalism of both XXXX XXXX and PNC Bank. I kindly request that this complaint is thoroughly investigated, and appropriate actions are taken to rectify the situation.
Consumer complaint received 2015-12-07
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: SYNCHRONY FINANCIAL (NY)

This is concering JCPenney of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NY XXXX XXXX representative asked me if I would like a rewards card for some instant discount. At no point in time did she ever mention or say that this was n't a simple points card but actually a credit card. There was no agreement or paper I was asked to read and agree to. It was only later when I got an alert from a identify fraud monitoring service that I realized what had happened. This has resulted in an unnecessary hard pull of my credit history and was tantamount to fraud. I had absolutely no idea that I was being signed up for a credit card at any point throughout the entire process.
Consumer complaint received 2019-02-19
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: Experian Information Solutions Inc. (NY)

On XX/XX/XXXX I got hit with New Inquiry from XXXX which I noticed XX/XX/XXXX on my XXXX online account. I called XXXX to tell them I did not make any hard inquiry XXXX XXXX XXXX ... They had said would remove the hard pull and I had told them I would also go on here because the customer service reps from my experience always seem to get things lost. 

To my understanding this hard pull is only on my Experian and going to be removed as soon as possible. If it was on any other credit bereu 's I would kindly ask for it to be removed as I never made this inquiry.