davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-20
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

Since XXXX my mother fell behind on her mortgage due to pandemic ( illness, job loss and tenant loss ) and was able to resume paying more XXXX vs the XXXX that she was paying before effective XX/XX/XXXX and will continue to pay this amount. Since XXXX I have attempted to work with SPS to either A. defer the outstanding balance to end of loan or B. allow her to repay the amount into months that does not exceed XXXX dollars. I have sent paper work, filed multiple loan assistance forms for them to share in XXXX that they can break up payment into XXXX ( she will lose her house and set herself up for failure if she accept this plan, I have shared this with SPS ). Again on XXXX I re applied for her with the same request only for SPS to again on XX/XX/XXXX share that they need her to pay XXXX. Please help my older single widow mother keep her home.
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (AZ)

Ally financial incorrectly has marked my account as being late on my credit report!! I called ally in XXXX fir an extension before my account was passed due I spoke to a rep a gentleman I was explained that I would need to to get approval before I can get an extension and that I would receive a call within XXXX business days I explained that my account was almost passed due I never got a call they marked on my credit as missed payment this is not right I then try to solve the issue with ally but was told they were unable to pull the call up fir investigation because it was to far back I said thats not right and that I would be making a complaint!! I take full responsibility on 1 missed payment but they need to remove this one fir lying to me and never calling me back I feel cheated I am no longer with ally for there lying and false reporting on my credit report!!
Consumer complaint received 2021-02-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BROKER SOLUTIONS, INC. (CA)

I am trying to refinance my mortgage with my bank XXXX XXXX. I get a call from Newamerican funding asking to help with my refinancing. She stated that she is with XXXX XXXX XXXX XXXX  verified that they are part of their system today. NAF stated gave me an approval for my 20 yr term with a better apt but are going to charge me more for the loan. 2 days ago she send me a new loan estimate stating that the closing cost went up but did not explain why. I realized today that their loan is worst then my original loan and I want to file a complaint about Newamerican funding. I am trying to get a comparison and I did not get that. I am getting ripped off from NAF and I dont want to deal with companies that think that this is ok. She is taking advantage of the fact that I did not know what was going on. I will include all 3 loan estimates from both companies. Please review. I will try to close out the Newamerican funding loan but what happens if they wont let me who can I call for help in this. I will have to talk to a lawyer now to remove them from my mortgage.
Consumer complaint received 2021-02-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I had a tenant who did not pay the rent for 14 months from XXXX XXXX XXXX.I made the payment all the way to XXXX XXXXfor the XXXX XXXX. I have paid taxses and insirance on my own for that house. On top of paying the mortgage and everything else for the house I live in. 
Being in this difficult situation I called the Bank of America to help me since the tenant was paying nothing. I was covered all the way ti XXXX of XXXX,. 
XXXX Ifot a letter from a debt collector, and my credit score dropped 142 points. This was done without any notice, despite of the fact tha It is not XXXX yet. This bank has been collecting money since XXXX for this Home Equity and they are so greedy in the midst of Covid 19?
Consumer complaint received 2022-07-31
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: REVERSE MORTGAGE INVESTMENT TR (CA)

Complaint To : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX MI XXXX, XXXX, 1st complaint number XXXX, Our deceased Dad 's reverse mortgage account should not be in foreclosure. The company requires that you send a 90-day extension request 6 months after the death of a family member. My father passed away on XX/XX/XXXX, and I emailed XXXX with the 90-day extension letter on XX/XX/XXXX. Also, I emailed it a second time on Friday XX/XX/XXXX. I called after and they said even though I sent it before the 6-month deadline they didn't read the email until Monday XX/XX/XXXX, therefore my dad 's home is now in foreclosure. That means normally his monthly statement has an interest fee of {$310.00} and monthly mortgage insurance premium of {$84.00} totaling {$390.00}. Now that the status says foreclosure, the new monthly fee is {$330.00} Interest, {$84.00} insurance, {$1500.00} attorney fees/costs, and title costs {$510.00} totaling {$2500.00}. They will continue to collect additional fees until we sell our father 's home. This is the second complaint I've put in with CFPB the first one XXXX Reverse Mortgage company sent a generic response saying, " they are not the appropriate company to address your issue '' Which is not true they are the company. I have spoken with XXXX in the " escalation department '' who sent my information to XXXX XXXX a manager in Texas and asked him to contact me. As of today, XX/XX/XXXX, I have not heard anything from XXXX regarding this matter.
Consumer complaint received 2021-02-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Revolut Technologies Inc. (CA)

My account was terminated by Revolut. However, there are refund processed by merchant after account termination for several transactions in my account. Since I do not have access to my account anymore, I have asked them to refund it to my bank. They do not reply or isn't willing to refund my money. This company is very bad. They don't give proper support to users. They have bad policies and process.
Consumer complaint received 2021-04-22
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: Experian Information Solutions Inc. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX/XXXX  XXXX ... XXXX  XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2022-05-04
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: EQUIFAX, INC. (NJ)

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. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXXEquifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX  XXXX XXXX Balance : {$390.00} ; XXXX  XXXX Balance : {$7200.00} ; XXXX  XXXX Balance : {$3500.00} ; XXXX  XXXX XXXX Balance : {$860.00}
Consumer complaint received 2021-02-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (CA)

I received a letter that is asking to collect a debt for what looks to be a credit card. The collection is supposed to be associated with XXXX. The card number starts XXXX, which is typically with XXXX. I contacted XXXX because I have only had one credit card with them and they have nothing else under my name or social. I contacted them today, XX/XX/21. I also researched and see that this company XXXX Convergent XXXX generally has a client reference number in the upper right hand corner and this letter I reviewed does not. I received the letter today XX/XX/21. The letter immediately asks for a reduced settlement amount and an apartment number. I dont have an apartment number. The contact number is XXXX and the address is XXXX XXXX XXXX  XXXX, XXXX, PA XXXX
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Experian is hosting false information on my consumer report named XXXX XXXX XXXX XXXX. I have communicated with Experian numerous times expressing damages and harm being done by hosting negative information on my consumer report. Nothing has been done. I have many Exhibits to show where Experian continuously states that the information has been verified, I respond with a request for Verification of debt per 15 USC 1692g, but I am never given a response
Consumer complaint received 2022-05-04
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: GOLDMAN SACHS BANK USA (GA)

On XX/XX/2021 I received a notification on my phone from my Apple Credit Card XXXX Goldman & Sachs ) that a purchase for {$40.00} was completed. I found that very strange because 1, I rarely use that card, and 2, I was in my patrol car and on my way to an off duty job so there was no way I could of made that purchase. I immediately called to report the obvious Fraudulent purchase and file a dispute. Well a little over a few weeks later, I received an email from Apple Support stating that after their so called Investigation, they concluded that that the purchase was accurate and legitimate. After another dispute and similar response, I obtained legal counsel. We have sent two letters but have not received any responses. I was instructed by my attorney to file these complaints before we move forward with a lawsuit. That way we show we have done everything to resolve this matter on our end.
Consumer complaint received 2021-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (CT)

After having difficulty paying a personal loan due to Citi not allowing online payments and reduced staff due to covid. I filed a formal complaint with citi against citi, and paid the loan off in full. Immediately the following months citi reduces the limit on all my cards to " balance owed ''. Thus decreasing my credit score dramatically and is continuing to do so every month. I take this as a retaliatory action and files another complaint. They then decreased my limits again. This is criminal and needs to stop. I have never missed a payment or been late. Citi is bunch of crooks. They have decreased my limits by over {$10000.00} causing my score to drop and they think it's some sort of game. I want my limits reinstated and their bullying actions to stop.
Consumer complaint received 2022-12-28
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. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2023-06-14
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021
Consumer complaint received 2023-02-24
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (MT)

XXXX  PayPal according to them I can make a monthly payment I only owe {$110.00} well actually I don't know it cuz here 's what happened I close my account due to fraudulent activity and they never refunded the money I've been fighting with them now for 6 months and every month somehow something else gets added to my bill apparently it's a XXXX and something dollars I don't even know because they can't even send me a bill why because they can't even look up my account why well according to the guy I talk to you last week I do believe it was a Wednesday  night he said that I don't know anything because the account was closed due to fraudulent activity then why am I still getting bills and threats that they're going to mess with my credit I want this taken care of yeah I wouldn't removed obviously they don't know what they're talking about when I call in to pay {$100.00} bill that I don't even know for and you can't tell me where my account is because it was closed due to fraud and that I don't owe you anything and then I get a bill 3 Days later saying the opposite kind of makes you look bad this doesn't even count the four times in the 6 months I had PayPal that they charge me for late fees that were not accurate interest on interest free payments which I paid off in full within the time frame and purchases that were never made by me. Final straw that broke camel 's back was when I called in and they proceeded to tell me that I had not made a payment in 4 months all the money that I've been paying for those for months of payments I have record of where's the money going cuz it didn't come off the amount that I owed I owe {$300.00} something dollars and I paid it off pretty much down to maybe {$42.00} but they had no no recollection of that I had to actually have somebody from my bank call one of their financially agents to tell them that that we had proof that they had been paid and why wasn't a deducted
Consumer complaint received 2021-06-03
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. (SC)

I have sent letters to XXXX, Equifax, and XXXX asking them to remove the account XXXX XXXX Account # XXXX from my credit report because this account is Deficient of Physically Verified Validation. XXXX XXXX XXXX is in violation of the FDCPA U.S. Code 15 USC 1692e 807 False or misleading representations, and U.S. Code 15 USC 1692g section 809 Notice of debt ; contents. XXXX XXXX is trying to collect a debt on behalf of XXXX for the amount of {$1300.00} that i do not owe. It's reporting on all three of my credit reports as a collection account. Account # XXXX. I notified XXXX XXXX in writing that i was disputing the debt and to please send me a validation of debt per FDCPA section 809 ; Please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is their authorization of law for your collection of information? 3. What is their authorization of law for your collection of this alleged debt? 4. Please evidence their authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. They have yet provided this information which is in violation of the FDCPA. XXXX, Equifax, and XXXX have yet to remove this account from my consumer report which is a violation of the FCRA. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. Otherwise anyone paying for their reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Their failure to positively verify the account XXXX XXXX Account # XXXX has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the account.
Consumer complaint received 2021-02-20
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX, Bank of America Prepaid Services, was contacted by I to file a claim for {$1900.00} that was fraudulently taken from my account on XX/XX/XXXX and XXXX XXXX. Bank of America employee informed me that the claim had been filed and that it would take six to eight weeks for the investigation to be finalized. Fast forwarding to XXXX XXXX with no information communicated to me by Bank of America within the time period that was specified by them, I contacted Bank of America back and was told that my claim was never filed.So then Bank of America proceeded to file a claim that day and they stated that I would be credited my funds between a ten day period of the investigation. Now, three days after ( XX/XX/XXXX ) I am being told that my account has been frozen with Bank of America and that I should contact Unemployment services to have this issue resolved. After I spent four strenuous hours on the phone with them they concluded that nothing was wrong on their end and they don't know why my account was frozen.I contacted Bank of America back to inform them that there was nothing wrong on EDD side and that EDD had emailed them of this alleged non existent issue on the same day they still said there was nothing they can do from me and now my account is frozen without funds to support my basic means of living. I am now completely without any expenses. I inquired about emergency funds and then the supervisor proceeded to tell me there's nothing he can do for me, without even requesting or looking into any action that could of been done on their end.The only thing that the supervisor did inform me was that an action wqs filed by another employee to unfreeze my account but it can take weeks. I am devastatingly at a loss with no fiances to survive because of Bank of America Prepaid, their misinformed policies and horrible customer service representatives. I truly felt as if I followed their rules to the best of my knowledge and gave adequate time for them, to resolve this issue.
Consumer complaint received 2021-12-03
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. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The XXXX Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections XXXX within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT XXXX XXXX {$510.00} XXXX {$0.00} XXXX XXXX {$110.00} XXXX {$1500.00} XXXX XXXX {$1400.00} XXXX XXXX {$8.00} XXXX XXXX XXXX {$15000.00} XXXX XXXXT XXXX {$0.00} XXXX XXXX XXXX {$140.00} XXXX {$490.00}
Consumer complaint received 2021-02-20
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: AMERICAN EXPRESS COMPANY (FL)

Personal Statement After speaking to XXXX, they told me to file a complaint against American Express. On XX/XX/2021, XXXX deleted the ecommerce online store from my website XXXX. On XX/XX/2021, XXXX done a charge back of the {$320.00}. 
One of the American Express Representative determined that I signed a contract, for no refund, online. Thereafter, determined that I will be rebilled {$320.00}. However, I filed a second dispute because XXXX Financial Team gave me a refund, first, on XX/XX/2021. 
I explained to XXXX that American Express is billing me {$320.00} for the six-month ecommerce online store that you deleted XX/XX/2021. And that I had to shop around at other places because I could not use anything on my website because it was deleted. 
Someone from their Collection Team at XXXX told me to use a replacement card to reactivate your ecommerce online store because of the charge back XX/XX/2021 and for me to dispute it with American Express. Therefore, I used my other American Express Card Business Prime XXXX to activate the ecommerce online store, XX/XX/2021. 
In any event, I like {$320.00} credited to my account # XXXX from America Express and the case closed because I had to use another credit card to pay for services. 
Respectfully submitted, XXXX XXXX XXXX Oath I declare state under penalty of perjury that the foregoing is true and correct. Executed on XX/XX/2021. ( 28 USC 1746 ) Respectfully submitted, XXXX XXXX XXXX