davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current (CA)

Between XX/XX/XXXX-XX/XX/2021 my account charged with XXXX $ worth of transactions to some company I've never heard of. I even contacted the company XXXX  and they said the account was under a woman 's name. And did not match my name. I alerted current through chat support and on the XXXX. XXXX th and they told me to wait until the charges posted as they were still pending. So in the XX/XX/XXXX th I contacted support via chat and opened a dispute. 4 days later I got a email saying the dispute was closed and did not get approved. I've sent emails to them to ask what happened and why this is not approved. No response whatsoever. If they would have done any type of investigation they would have found out what I did. That who ever used my card made an account under their name and used it. That right there is enough proof tho approve my claim. That tells me they didn't even do any investigation at all and just denied my claim.
Consumer complaint received 2022-07-28
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: Experian Information Solutions Inc. (OH)

I signed up for XXXX XXXX XXXX on XXXX after receiving a letter in the mail for a debt consolidation. I was told they could consolidate the debt over {$50000.00}. I signed up for a 2 year program. I completed the program in 2 years paid over {$55000.00} to XXXX XXXX & my creditors, but the accounts were suppose to be a paid for delete and all of the accounts except 2 accounts are still on my credit report. I'll upload the paperwork that I have from XXXX XXXX XXXX. Thank you!
Consumer complaint received 2022-07-28
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. (OH)

I signed up for XXXX XXXX XXXXl on XXXX after receiving a letter in the mail for a debt consolidation. I was told they could consolidate the debt over {$50000.00}. I signed up for a 2 year program. I completed the program in 2 years paid over {$55000.00} to XXXX XXXX & my creditors, but the accounts were suppose to be a paid for delete and all of the accounts except 2 accounts are still on my credit report. I'll upload the paperwork that I have from XXXX XXXX XXXX. Thank you!
Consumer complaint received 2022-05-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (VA)

Since XX/XX/XXXX Equifax has reported incorrect information. I contacted them ( XXXX on XX/XX/XXXX and I was assured that the information on XXXX XXXX ( XXXX ) wasn't the correct score, but my score was higher in Equifax system and was told to check it there. After signing into my Equifax account the score was the same. Since XX/XX/XXXX I have made ( 2 ) payments and after checking today XX/XX/XXXX the score is still ( XXXX ). I spoke with XXXX and was transferred to XXXX XXXX XXXX XXXX @ XXXX. The CSR name was XXXX @ XXXX ; XXXX and the same statement was told to me that I heard on XX/XX/XXXX. I was put on hold and then the line hung up. Equifax has documented untruthful information and my account with XXXX XXXX, stating I had an increase on my account which was incorrect. It was documented by Equifax and XXXX and that I needed to contact my creditor which I did. I have never been late, always paid more, and paid 30 days in advance since the loan. Ally is currently doing an investigation into this. According to XXXX records I'm in good standing and they don't know where this information came from. XXXX and Equifax are reporting the same negative information. I've been 100 % on time with all my payments and pay more that what's due every month and to have a score of XXXX, I need answers.
Consumer complaint received 2019-09-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (WA)

This is a follow up to the complaint I stated XXXX/XXXX/2109 with XXXX. I went to pay my mortgage this month with XXXX and was told the loan was sold to Shellpoint. I have not received any paper work on this and understood they need to give you 30 days notice which I did not have,. XXXX states they did not have the correct mailing address and the info was sent back per bad address. Funny ... .XXXX has had no problems over the past 7 years getting info to me and monthly coupon books for payments with info on total and payments on loan..Any way I am the one that reached out to Shellpoint as I had no payment coupons from them or any info and the payment was due ... .I had to make over the phone with rep and recieved confirmation number for the payment which was being taking out of account. Checked mail today and still no info from them that I was sold and yet I had to make payment. No info no info on my loan that was sold ... ..no financial info on my mortgage loan ... ... I feel I should of had info on this ... .contract? It is wrong that client is not informed of this in advance ... ..and has no idea where to turn ... no paperwork on loan transaction ....
Consumer complaint received 2022-07-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kikoff Inc. (NY)

On XX/XX/2022 an account was opened with KICKOFFLENDINGLLC. They claim that {$500.00} is owed, and I'm unaware of this account. The only action that I took was " contacted the FTC. ''
Consumer complaint received 2021-08-22
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BOK FINANCIAL CORP (TX)

I am a homeowner in XXXX XXXX XXXX Texas. I am XXXX XXXX XXXX, ( " XXXX '' ), an individual and the property owner I have a Home Equity Line of Credit with an institution that lists itself as " BoKF, NA, dba Bank

of Texas ( " BoT '' ).

BoT is wrongfully asserting an interest in insuance proceeds. 

The loan documents convey a right to BoT for what the loan documents designate as " Fire INsurance. '' The Loan Documents were drafted by BoT and BoT insisted on the language controlling the transaction. The documents explicity limit any duty of homeowner ( me! ) to maintain flood insurance if, and only if, the property is in a FEMA designated flood zone. BoT agrees that the property is not located in a FEMA designated flood zone. 

In XXXX the property suffered flood damage. XXXX maintained a FEMA backed Flood Insurance Policy - seperate and apart from a Homeowner 's ( aka, Fire ) policy. On XX/XX/2021 XXXX XXXX XXXX, managing the FEMA flood program executed two checks to XXXX XXXX and BoT. I informed XXXX/FEMA of the presence of a HELOC on the property in an abundance of caution. 

Upon receipt of the checks I telephone BoT for instruction on obtaining their dendorsement so I could begin work on the property. Twice I was instructed to bring the checks, the insurance adjuster 's worksheet and my Driver 's License. Twice I appeared at at a BoT branch and both times, the " bankers '' refused to endorse the checks and instead spoke on the phone to a mysterious person called " XXXX ''. I was told that I needed to provide more documents, but upon my demand that every prerequisite BoT insisted I complete be put in writing, I was told BoT would not do that. 

During a visit to the BoT Branch at XXXX XXXX XXXX XXXX in XXXX Texas, a Ms. XXXX XXXX demanded I endorse the checks ( and refused a BoT endorsement ) and then attempted to have me " deposit '' the checks in a BoT account, with no assurance of repayment or written specifications for BoT to make repaymennt. 

In short, BoT engaged in fraud, bank fraud, attempted theft by larceny and various misrepresentations. On XX/XX/XXXX, Ms. XXXX accepted my written demand/notice ( as required by the loan documents, to allow BoT to cure its default. BoT did not do so.
Consumer complaint received 2022-07-10
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION (CA)

On a previous complaint XXXX and Pentagon Federal Credit Union ( PENFED ) Response on XXXX XX/XX/XXXX relating to my VA Mortgage Application # XXXX which totally disagree with their response and filing a new complaint. 

PENFED states in their response they received my full executed real estate purchase contract dated XXXX XX/XX/XXXX not until XXXX XX/XX/XXXX. Moreover, PENFED delay in failure to in communication with customer ( XXXX XXXX ) who I honestly and truly believe they were derelict in their due diligence in processing my online loan application and income documentation to validate my application in a timely manner. Thus, directly and indirectly due to their processing time that led me of losing {$8000.00} which consisted of my down payment/ earnest money and due diligence on a real estate contract. 

Timely communication and due diligence from initial pre-approval letter, and the time it taken them to validate income with their online application taken over 10+ days which I believe is not consistent with industry standards before they notified the customers. 

On or about XXXX XX/XX/XXXX : Initial Application Submitted with Income Documents On or about XXXX XX/XX/XXXX : Customer Received Pre-Approval XXXX XX/XX/XXXX : XXXX XXXX ( Customer ) sent email to Loan Officer - Checking In on the process and how things are going ; also stating I made phone call without any return phone response XXXX XX/XX/XXXX : Email communication requesting additional documentation Again, I XXXX XXXX ( Customer ), was not notified until 7+ days after XXXX XX/XX/XXXX of them ( PENFED ) informing me any issues and concerns of my online application and income documentation - which I honestly and truly believe their decision regarding my debt-to-income ratio within 7 days upon my application. PENFED as a major financial institution timely communication failure, neglect, and their failure in due-diligence led to me forfeiting my down payment and due-diligence funds totally {$8000.00} and sign of inefficient corporate failure.
Consumer complaint received 2022-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

American Express uses very confusing wording in his promotion letter to lure customer sign up a credit card. The letter is saying that after a customer spending {$2000.00}, s/he will be earning XXXX points, which can be used toward up to {$150.00} in rewards as gift cards. After I have done all the requirements, I got my XXXX points, but XXXX points only enough to redeem for {$100.00} gift cards. I have contacted customer service, and they just kept lying that it " only '' for " selected '' merchants, but can not show me 1 single merchant gift card is worth {$150.00} with XXXX redeeming points. 

This is telling a customer you can use XXXX to redeem a {$150.00} gift card, but such gift card does not exsit.
Consumer complaint received 2019-09-14
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NC)

Six weeks - plus of e-mails, phone communications with representatives and mail asking for the full payment history starting with first payment with explanation of fees, etc., have not been received at this time. 

We are again requesting the complete payment history not a partial as provided before to be sent to us. This delayed response is very confusing as to why it is not more efficiently available on request. 

After all these weeks is it ready? please provide through the cfpb
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2021-08-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/21 I again contacted to resolve issues concerning my checking account debit transactions and my Account balance.I noticed that on XX/XX/21 my account statement indicated a balance of {$1000.00} on XX/XX/21 my account balance was down to $ XXXX.I do not believe that my account balance should drop to that degree in that span of time.I had made two disputes on debit card transactions. One with the online provider XXXX and another against XXXX XXXXXXXX XXXX XXXX with the intention of restoring my account in the face of businesses with bad intentions unjustly enriching themselves at my expense.I was expecting TD Bank to help me, not diminish my Account balance further.When I last spoke with a representative at TD bank they did not seem intent on accommodating me on maintaining my balance under the circumstances.
Consumer complaint received 2024-11-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (FL)

I switched to the XXXX plan in XX/XX/year>, and successfully made payments in XXXX, XXXX, & XXXX. On XX/XX/year>, I received correspondence from MOHELA that my loans would be placed into a " recalculation '' forbearance for my XXXX payment that, according to the correspondence, would receive credit towards XXXX. On XX/XX/year>, I received the same correspondence related to my XXXX payment. Again, the correspondence specifically stated that the XXXX forbearance would count towards XXXX. In XXXX, MOHELA sent correspondence related to the XXXX injunction, stating that my loans would be placed in an indefinite forbearance that would NOT count towards XXXX. 
On XX/XX/year>, after receiving an updated XXXX XXXX XXXX, XXXX updated my payment counts to XXXX, but marking my XX/XX/year> and XX/XX/year> payments " Ineligible '' because of the forbearances. If MOHELA had imposed the correct type of forbearance for XXXX and XXXX, I would be at XXXX. 

Instead, I have been forced to submit a XXXX XXXX and a Buy Back Request, leaving me at the mercy of XXXX 's indefinite response timeline. Additionally, I have submitted several complaints to XXXX, as well ; however, they have not resulted in an acceptable resolution. 

Not wanting to leave anything to chance, I submitted an IDR Application to switch to the XXXX plan. If MOHELA is unable to process my application immediately, they are supposed to switch me from the XXXX administrative forbearance ( that does NOT count towards XXXX ) into a XXXX processing forbearance that WILL count towards XXXX. MOHELA claims they are unable to do so.
Consumer complaint received 2021-08-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

Select Portfolio Servicing ( mortgage lender ) is trying to extort and destroy me. My mortgage was transferred from XXXX to Select Portfolio Servicing during the summer of XXXX. I received a letter stating that payments paid to XXXX during the transition would be transferred to SPS. Since XXXX, SPS has been falsely reporting that I failed to make two payments during that time and my credit has suffered due to their negligence! I have an official letter from XXXX, dated XX/XX/XXXX, stating that payments for the amount of {$1200.00} during the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX were forwarded to SPS. I have a letter from XXXX  XXXX XXXX. dated XX/XX/XXXX, listing the dates, amount, and electronic transfer numbers of all payments made to XXXX and SPS from XX/XX/XXXX to XX/XX/XXXX. SPS claims they did not receive the payments for XXXX and XXXX of XXXX. SPS has been sending people by my home harassing my family, sending threatening letters to foreclose, and tacking bogus late and legal fees to my account. I HAVE NOT MISSED ANY PAYMENTS OR PAID LATE TO XXXX OR SPS!! SPS continues to be paid, TIMELY, by me every month, BUT, they are allowed to bully me financially by sabotaging my credit. I have consulted with a law firm who has reached out to SPS with sufficient and credible documentation and they wont budge. They referred me to CFPB as a credible remedy before they take my retainer to pursue SPS in a court of law! I know CFPB is well aware of SPS and its tactics. I hope you will fight for me in this matter because I did not ask for my mortgage to be sold, and it is not my responsibility to make sure that one lender pays another. I have proof that the money was paid, and I should not be punished for the greed and incompetence of predatory lendors!
Consumer complaint received 2021-08-21
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Hi, This is XXXX XXXX. I have Bank of America ( BoA ) accounts. This year in XXXX, my account ( checking and saving ) was accessed without my authorization and used to make {$2400.00} XXXX transfer to people I do not know. I did not lose my card so my accounts were actually remotely hacked. Then two months later in late XXXX, my BoA credit card was used to pay for two digital orders as gifts to people I do not know on XXXX. This time the total loss is about {$650.00}. Again I did not lose my card so it was my account that was hacked. I reported these two cases immediately to BoA after I noticed the fraud but BoA rejected both of my claims, based on the reason that " nothing is wrong with my account or we do not find a problem with the device used for the transaction ''.

I did check my computer and found that there were unauthorized remote access account. That means my computer was hacked. That is probably why everything looks fine at the end of BoA ( the hacker still used my computer to make those fraudulent transactions so BoA probably thinks it was me ). I think what may have happened is like this : I have the function called " save my password for this website '' enabled on my computer. I thought it is safe because this is my own computer. But somehow hackers gained remote access to my computer and automatically logged in to my online banking account since the passwords are saved in the browser. Then they made those fraudulent transactions. However, after I reported this situation to BoA, they requested me to submit an official certification that my computer is hacked. This is frankly impossible for me because 1 ) I deleted all unauthorized accounts immediately after I found them. So if you check my computer again now, it is safely guarded ; 2 ) It seems that BoA wants me to invite professional computer security personnel to thoroughly check my computer, but this would be too inconvenient and too expensive for me. 

All in all, when my accounts were hacked to make fradulent transactions, BoA rejected my fraud claims based on reasons that " my account looks normal ''. Compared to other cases such as losing the card, I have my devices by my hand but the device is remotely accessed without my permission. So on the surface my device and account would look normal but it is actually not. BoA clearly did not take this situation into consideration and put an unreasonable burden on customers to prove the existence of hacking activity. I even think that BoA deliberately develops such daunting procedures so that no customer would really pursue their claims under such situation. I am really disappointed with BoA and I will quit using it as a banking service, regardless of whether I can get my money back. I hope your esteemed agency can put some pressure on BoA so that they could at least reinvestigate my cases. 

Thanks, XXXX XXXX
Consumer complaint received 2022-07-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC (NJ)

I was a XXXX client for over a decade but for the last 4 years the service was terrible. I was paying roughly $ 250 monthly for a service that wasn't working. I called them to fix the channels because most the channels I paid for I counld n't see because it was distorted. They would send a tech but the issue was the same. So I decided to cancel my subcriptions and switch to XXXX. XXXX never cancalled my account, so recently I recieved a bill from a credit collection agency ( Sunrise Credit Services ) stating that I owe them {$380.00} and I'm explaining to them that I cancelled my account. So yesterday my credit score was impacted by this collection by XXXX points. Please investigate XXXX for there unfair business practices/ terrible service and Sunrise Credit Service as well. They have no right to mess up my credit with false information. Thank you and please help me.
Consumer complaint received 2022-12-19
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: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXXXXXX XX/XX/2022 Dear Equifax, I, XXXX XXXX consumer and natural person are aware of all rights I have and which are protected by Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Consumer complaint received 2022-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

This company is changing payment history on a account that is almost 10 years old. I called multiple times and spoke with numerous supervisors. None of them seem to understand the situation, which is very confusing to me. The information reported is not 100 % accurate to all 3 credit bureaus. In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681s-2 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. Multiple violations gives me the write to collect {$1000.00} per violation. If you look at the document from my credit report it shows 7 inaccuracies on my consumer report