davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-08
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (PA)

Freedom Mortgage I called Freedom Mortgage on XX/XX/XXXX regarding why my mortgage increased because it doubled from last year. I'm not happy and I don't want my credit affected. I Spoke with XXXX and XXXX they request an investigation on why my mortgage increase from {$890.00} to {$1700.00} they said because my taxes has increased in the year XXXX. I told them that was insane how can it increase so much and cause a escrow shortage in the amount of XXXX They both saw mistakes that Freedom Mortgage paid township taxes and I don't live in a township and they paid some other taxes twice. I was told by XXXX ( male ) that someone should get back to me on XX/XX/XXXX. I called on XX/XX/XXXX spoke with XXXX id # XXXX supervisor he gave me the run around and said I'm responsible and I have to pay the monthly mortgage in the {$17000.00} due to their mistake by overpaying and mismanaging the mortgage payments I paid faithfully on time. Freedom Mortgage mismanaged my monthly mortgage payment in which they overpaid and cause my escrow account shortage in the amount of {$6800.00}. They overpaid and they paid Township Taxes twice which I'm confused, because I do not live in a township. Freedom Mortgage over paid in the of $ XXXXin taxes in XXXX and now trying to squeeze me for their mistake. Please see attachments ( letter & escrow disclosure statement ) I sent email message on XX/XX/XXXX and another message on XX/XX/XXXX through Freedom Mortgage Message Center no response. I called XX/XX/XXXX Spoke with XXXX id # XXXX she said she see a note that we should be getting a completion notice by the XX/XX/XXXX that it was sent to a Department that handles issues. As of today we have not received a update or response from Freedom Mortgage. I ask her is there anyone I can email my concerns like a manager she said no Freedom Mortgage Message Center is the only way. I just don't understand how can Freedom Mortgage overpay on taxes and try to scam/squeeze for their mistake they need to fix, recalculate and rectify this terrible mistake. I did call my Local Tax and County Taxes and they said there is no way my taxes would have increased that much. I Thank you kindly CFPB on reviewing my complaint.
Consumer complaint received 2020-12-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY (WI)

In XX/XX/XXXX I opened an account at a TD Bank branch in Washington DC. I have had an account at the XXXX part of TD for decades because I used to work there and I imagined that having an account at the US bit would make it easier and cheaper for me to move funds from the XXXX account to the US.

All was well until about four years ago, when TD neglected to send me a replacement ATM card. I called several times but, despite wasting a lot of time, was for reasons I remain unclear on, unable to persuade them to send me one. After a couple of years of that, I decided to simply close the account. That, as it turns out, is not easy either. Indeed, so far it has proved impossible. Again there have been multiple phone calls, followed by the notarized letter that their website promises will suffice to close an account. That letter was sent in XX/XX/XXXX. I then followed up multiple times using the secure email facility on their website. At first I just got form emails back saying that they were too busy with COVID. So I gave up again and got busy with other things. 

Today I received a snail mail letter informing me that my account has been designated inactive and is in danger of being turned over to the government as unclaimed. It has been active in the financial sense because TD Bank refuses to let me use it by sending me an ATM card or, as I found out today, by letting me remove funds electronically to my local bank account or to XXXX. It has certainly not been inactive in the broader sense that I have been in contact every few months, first in my attempts to attain an ATM card and then in my attempts to close my account. 

So the snail mail I received today asked me to show up in person at a branch or to undertake a transaction. The former is difficult because I live far from the nearest TD Branch and am not travelling to DC for business as I normally do due to the pandemic. The latter is impossible because they will not send me an ATM card nor let me withdraw money electronically. I would be a fool to deposit money in an account from which I am unable to withdraw funds. I have not attempted to write a paper check and deposit it in my local bank because I worry they will not honor it and I will end up paying bounced check fees. I did not call again today because I have learned through painful experience that all it does is put me in a bad mood, which is unpleasant for my family. 

Please help!
Consumer complaint received 2023-10-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: PENTAGON FEDERAL CREDIT UNION (GA)

I applied for a PenFed Credit Card and got denied regardless of the reason I was denied. I have the right to credit, withholding my access to my security is SECURITIES FRAUD! You are violating the Equal Credit Opportunity Act and Consumer Credit Protection Act since you are denying me my credit PLEASE RETRACT MY APPLICATION. 

THANK YOU XXXX XXXX Attorney in Fact for XXXX XXXX
Consumer complaint received 2020-12-08
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)

My name is XXXX XXXX. 
I am writing to delete the following information off my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask the items to be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed enclosed copies of the Commissions Identity Theft Affidavit. Please delete these items as soon as possible. These negative remarks are hindering me in attaining not only a mortgage but also a car loan.
Consumer complaint received 2020-09-08
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

THE BANK OF AMERICA CARD THAT IS LISTED ON MY CREDIT REPORT IS " NOT '' MY CARD AT ALL. i AM NOT A AUTHORIZED USER ON THIS ACCOUNT AND HAVE REQUESTED IT TO BE REMOVED FROM ALL THREE CREDIT REPORTS. 
XXXX, XXXX AND XXXX. I TALKED TO THE BANK OF AMERICA AND THEY AGREED THAT I XXXX XXXX XXXX AM NOT ON THIS ACCOUNT, YET IT SHOWS UP ON MY ACCOUNT. I WANT THIS REMOVED IMMEDIATELY AS IT IS HURTING MY CREDIT SCORE. THE CREDIT ENDING IN XXXX FOR XXXX.
Consumer complaint received 2020-12-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (MN)

On XX/XX/2020 I refinanced my home mortgage for a lower rate and term. Soon after my refinance closed the mortgage was sold to AmeriHome Mortgage for servicing the mortgage. My refinance included pre-payment of the escrow. I've also made my required monthly payments, including escrow. My escrow with AmeriHome currently has a balance over $ XXXX. I have an outstanding homeowner 's insurance premium of {$1500.00} that was due as of XX/XX/2020. My insurance documents with AmeriHome are up to date, indicating a payment is past due. So far, I've contacted AmeriHome, including the following occasions : XXXX : Initial call to AmeriHome stating I received notice from my insurance company that the insurance payment wasn't made. They requested I send the insurance email notification to their customer service department, which I did on that day. I was told the payment would then be made. 
XXXX : Follow-up call to confirm if an insurance payment was made, finding no record of a payment was available. I was then requested to send my insurance payment notice to the AmeriHome insurance department email ( XXXX ), which I did on that day. 
XXXX : Follow-up call to confirm if an insurance payment was made, finding no record of a payment was available. AmeriHome confirmed they received my previous email proving an insurance payment was due and would expedite an insurance payment. 
XXXX : Follow-up call to confirm if an insurance payment was made, finding no record of a payment was available. AmeriHome confirmed they received my previous email proving an insurance payment was due and would expedite an insurance payment via work order to be completed by XXXX. 
XXXX : Follow-up call to confirm if an insurance payment was made, finding no record of a payment was available and the work order from XXXX was closed without reason. AmeriHome said they would escalate and issue an insurance payment within 24 - 48 hours.

I will continue to follow up with AmeriHome, but at this point I've received a text, email and letter from my insurance company stating the insurance payment is past due, and my policy will be cancelled as of XX/XX/2020 if full payment is not made. I have been given multiple assurances the insurance payment will be made via my escrow, which has enough funds and continues to be funded via monthly mortgage payments. I have little confidence this will be done and am at risk of losing my legally entitled insurance coverage due to the inability of AmeriHome to meet its requirements of making homeowner 's insurance payments via the escrow account. 

Any assistance would be appreciated.
Consumer complaint received 2023-06-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FISERV INC. (NH)

My work corporation uses Money Network if you don't submit your own bank account details for direct deposit. I have had transactions that took place in the past 6 months from unknown sources stating I made memberships I did not make and charged me a monthly fee that I did not authorize through my checking account. I notified Money network 4 or 5 separate times in regards to these fraudulent withdrawals that I did not authorize but there was nothing done other than telling me to lock my card and that was the third answer I received because the first two said I had to take it up with my work. The fourth person saidy account had been hacked by an IP address from XXXX XXXX, XXXX, and XXXX... I reside in the United States and have not left since my father was XXXX to XXXX back in XXXX or so. I've had about XXXX $ maybe more stolen from me from these foreign places and numerous details from websites that had a XXXX in the description. I contacted the XXXX and had to confront some of them myself to have them return my money, my bank did nothing to secure my account or to notify me of fraudulent activity knowing that I had called and complained numerous times. So here we are again and I got paid XXXX dollars in my paycheck, haven't spent a dime of it yet but somehow only have XXXX left in my account and no available credit in my XXXX XXXXXXXX account which I have also been having issues with regarding my bank and money being returned. It always gets deducted when I have it available but it never gets returned to my account.. I'm at a loss now and feel like I'm being ripped off left and right when I work hard to earn what I make so I can support my family with food. This past week has been a nightmare and I haven't had any funds that I earned that I am able to access to support my kids husband or animal 's so I figured this was my last/ best alternative to get help and to be able to get everything that was taken from me back because the banks don't care it seems.
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (WV)

I have been denied credit by several companies due to Equifax repeatedly placing XXXX XXXX XXXX XXXX  acct . ending in # XXXX back on my credit report. The account was flagged for fraud by XXXX XXXX XXXX . They closed the account an issued me a new card ending in # XXXX. I have sent all the bureaus copies of the correspondence from XXXX XXXX XXXX where they acknowledge the fraud. XXXX XXXX  XXXX have even requested the information be updated in the Equifax system . Again I have repeatedly been denied credit due to this issue, which is causing catastrophic issues and increasing my debt load because I can not refinance any of my existing debt. 

I have been attempting to have this information removed since XX/XX/2022.
Consumer complaint received 2023-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I was placed as a Authorized user on my mother 's Capital One credit card, and after 2 weeks Capital One sent my mother a email stating that she removed me from her account. After calling into Capital One and speaking to a representative, she was later informed that Capital One removed me from her card based off a " business decision '' due to my " past or present '' legal actions. I later applied for a Capital One credit card of my own and was accepted and granted a card. However, when the card came in the mail i was unable to activate it due to them saying the same thing " based off past or present legal actions '' I am denied. I do not have any legal issues pending or present. I however had legal trouble in the past but have changed my life around for the good. I am being denied access to credit which is hindering me in life and financially.
Consumer complaint received 2022-07-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (TX)

Greetings, The comenity website for Victoria Secret has been down for about 1-2 months, making it hard for customers to log into their accounts and make payments. I called last month to try and make a payment online and received an error message. Granted, I did close my account about 1-2 years ago, but Ive always been able to make payments online to pay down my balance. Fast forward, here we are today. I called comenity yesterday and today and all the agents could do was apologize and explain how they dont have an ET on when the tech issues would be resolved. I found out that I was charged a late fee and I explained to the agent today that I feel it should be waived since I have not been able to make a payment due to the system being down. The agent was nice enough to waive the fee, but I can not verify that since I can not access my account. The system is still down currently. I cant access my statements to view any odd activity and I dont feel comfortable making a payment until I can physically see my statement. I think this is beyond unprofessional and quite sad. I have never had this issue with other companies. I do plan to pay the balance off once I can view my statement and wipe my hands clean with comenity. Something really needs to be done about this. Peoples credit and lives can be ruined behind this! Never again will I open anything else with comenity bank. This has truly been a nightmare for millions of people.
Consumer complaint received 2022-08-11
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. (CA)

I am formally requesting this complaint to correct the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, the Credit Bureuas are obligated to finish your investigation within 30 days ; please do so, otherwise they will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX. XXXX XXXX XXXX {$1100.00} Date opened XX/XX/XXXX XXXX. XXXX XXXX XXXX DE XXXX Balance {$170.00} Date opened XX/XX/XXXX XXXX. XXXX XXXX XXXX Balance {$0.00} Date opened XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2022-10-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: SANTANDER HOLDINGS USA, INC. (RI)

I unfortunately was the victim of an IRS scam. I received this letter in my mail in XXXX stating I owed the government {$240.00}. Knowing I actually do owe the IRS money, I signed a physical check and sent it in the mail. The next month ( XXXX ) I received another letter stating that I owed {$380.00}. Subsequently realized I needed to check my IRS account and put it together that I was scammed. I contacted my bank Santander and told the representative what had happened. I found out that the scammers had cashed the physical check I sent them as an electronic check which apparently threw up red flags from my bank. I was awarded a provisional credit and was told to keep that bank account open so the money could be deposited back into my possession. There was supposed to be a block put on the account that only allowed deposits into the account and no withdrawals. By the time that investigation was over ( XXXX business days ), the moment my money hit the account again, somehow the scammers were able to forgo the withdrawal block on my account and take the freshly deposited provisional credit out of my account. Speaking to Santander representatives again, I was told the only way that this couldve happened was if I verbally told an employee to force withdraw this money. Which I did not. So another investigation was opened by my bank. It was determined by the bank that the second investigation/instance of my money being stolen that nothing was going to be done. Their reasoning was that I had signed the physical check and by that instance I was at fault. However, this was already discussed during the first round of investigation into this matter when the provisional credit was approved to my account. The only reason that the scammers were able to take the provisional credit is due to a faulty security block that the bank assured me would protect me from this happening again. I have record of the second letter and that second letter was submitted by my local bank as evidence into the investigation. Despite Santander stating that there was no documents submitted. My liability for this matter ended as soon as the bank approved me for a provisional credit and the banks liability in this matter began when they gave me a faulty security block on my account.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

I submitted a complaint to these Bureaus a month ago, yet the erroneous information on my report persists. I have not received any updates from the Bureaus, apart from your notification indicating that the company has addressed my complaint. How can I be assured that they have conducted a thorough investigation into the inaccuracies on my report? What procedures were utilized to verify the accounts? This entire situation is exceedingly frustrating. Over 30 days have passed since I lodged my complaint, and the disputed accounts remain unchanged. If this issue is not resolved, I will be compelled to pursue legal action due to the significant stress it has caused me. Additionally, I am worried about the security of my personal information, which has been compromised by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2020-12-07
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: Convergent Resources, Inc. (FL)

This is an ongoing and continued fraud being carries out by XXXX, XXXX  and Convergence. For seven year I have been reporting this fraudulent claim and for seven years they have been taking it off and XXXX  has been putting it back on my credit report with a different collection agency. For seven years they provided no documentation and suddenly now have found fraudulent document, which does not even relate to their false claim ( see attached file ). 

My last request for this false claim to be removed from my XXXX  credit resulted in a report from XXXX  on XX/XX/2020 stating that they were no longer reporting the false claim. To this date they are still reporting this false claim and continue to carry out an attempt to extort money out of me. This is the same scam that the parking debtors were using to scam money out of people by making false claims of money owned in an effort to get people to pay rather then fight the false accusation.
Consumer complaint received 2020-12-07
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

EXPERIAN as violated seven federally protected consumer rights under the FCRA Fair Credit Reporting Act 15 USC 1681 in reporting information that I have no value and unfair to me the consumer, natural person and original creditor. 15 USC 1602 ( g ) The term creditor refers only to a person who both ( 1 ) regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement in more than four installments or for which the payment of a finance charge is or may be required. EXPERIAN has violated federal law 15 USC 1681 ( a ), 15 USC 1681 ( a ) ( 2 ), 15 USC 1681a ( 4 ), 15 USC 1681a ( 2 ) ( i ), 15 USC 1681a ( 2 ) ( b ), 15 USC 1681a ( 3 ) ( e ), & 15 USC 1681b ( a ) ( 2 ). Pursuant 15 USC 1681n ( a ) ( 1 ) ( a ) EXPERIAN is civilly liable for violating federal law I have exhibit along with notarize sworn affidavit of truth stating the facts inside and citing violations line by line. I also explain clearly on how I was violated and how the consumer report has attempted to harm my reputation and by reporting base solely on information between credit grantor and credit bureau not the original creditor which is a violation. My consumer reports has been unfair and harmful practices by EXPERIAN and I never gave them written instructions for accounts presented in my exhibits. Consumer has a right to privacy and my privacy has been breach by EXPERIAN. This credit bureau report has caused me and my family much stress and anguish due to the unfair practices from this corporation. Pursuant 15 USC 1681n ( a ) ( 1 ) ( a ) EXPERIAN is civilly liable invoice is attached.