davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

I started the refi process back in XX/XX/XXXX with 5/3 bank. I received a packet of paper work and it was mailed back in estimated dated of XX/XX/XXXX. I received confirmation from the Mortgage Loan Originator that all paper work was received and my application fee  was processed on XX/XX/XXXX for {$390.00}. I have been having a hard time with communication to find out what is the hold up in the process. I have been told numerous times that my paper work is in the underwriting process but the underwriters are behind in work due to COVID-19 crisis. After several weeks to find out what is going on I continue to get the same information. I have asked for a refund due to no one is working on my application and I would like to look else where. I was told that I could not get a refund back because my process is waiting on the underwriter. I have asked to speak to a manager/ supervisor several times in regard to my issues and complaints. I have sent several emails but I have got no where with this process. I would like to a refund due to the process that no one is working on my application process and I need to find me another company to refinance with while the rates are low. I explained to the mortgage loan officer that I was concerned on missing out a possibly lower rate due to the waiting process. She told me that there was nothing she could do about it but she would talk to her manager 2 weeks went by and I never heard from her. I called her again on XX/XX/XXXX to follow up with her and she do not have a complete answer for me and still was stalling. I told her I felt like I was being ignored and my paper work was sitting on someone desk.
Consumer complaint received 2020-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

Equifax is attempting to start an investigation after it's already been 55 days since they received my dispute. This is well over the 30 days that they are allocated. This goes against the FCRA! I've attached the tracking number that PROVES the day they received my dispute and I've also provided a copy of the dispute letter. They are to NOT start another investigation. They are to remove the disputed items that they did NOT verify within 30 days.
Consumer complaint received 2020-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

TransUnion is attempting to start an investigation after it's already been 55 days since they received my dispute. This is well over the 30 days that they are allocated. This goes against the FCRA! I've attached the tracking number that PROVES the day they received my dispute and I've also provided a copy of the dispute letter. They are to NOT start another investigation. They are to remove the disputed items that they did NOT verify within 30 days.
Consumer complaint received 2020-08-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NJ)

Shellpoint Mortgage Company has not given a full refund as stated in an email received on XX/XX/2020 at XXXX. Shellpoint Mortgage Company has withdrawn the following insurance premium disbursements from my escrow account : XXXX {$490.00} XXXX {$450.00} XXXX. {$67.00} On XXXX, Shellpoint Mortgage Company has decided to return {$490.00} to my escrow account on the day for Escrow Analysis. This amount is less than the {$490.00} insurance premium disbursement that was withdrawn on XXXX. On XXXX Escrow Balance was {$670.00}. On XXXX Escrow Balance is {$1100.00}. Shellpoint Mortgage Company has not returned the additional amounts of {$67.00} and {$450.00}. My actual escrow balance should be {$1600.00}. Shellpoint Mortgage Company has instead stated that after Escrow Analysis a shortage of {$1200.00} and an increase of mortgage  payment to {$880.00}. Shellpoint Mortgage Company has intentionally not refunded all the insurance premium disbursements and is stealing funds from my escrow account. In addition, Shellpoint Mortgage Company is making false claims about a shortage being  present when the fact is that my escrow account has a surplus and the mortgage payments should have decreased. This is against the law.
Consumer complaint received 2020-05-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Neon Newco Corporation (AZ)

Last month my stimulus check was deposited into an old Netspend account that I no longer had a card for. I requested a replacement card via the automated service and still have not received it. I have called every day at all hours of the day or night, and no one answers the phone. I have also emailed them three times with no response. I have been on hold for over an hour only to be disconnected. I am an out of work single mother and need that stimulus. Can you please help me resolve this issue? I am angry, frustrated and just want to know when my card will be sent. Thank you for any help you can provide.
Consumer complaint received 2020-09-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Atlantic Recovery Solutions LLC (WI)

XX/XX/2020. Received a call from Miss XXXX advising me of an out of court settlement for my debt owed to XXXX XXXX. I have never received any letter stating my debt nor have ever heard from this person before. She left a message saying they have been trying numerous times to contact me. She told me I basically had 24 hours or she would recommend further action. This is not the original creditor.
Consumer complaint received 2020-09-01
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. (GA)

There was not investigation for the dispute just a standard response : Reference XXXX I do not recognize these inquirers on my credit report and requested the Experian to remove them as I did not give these companies permission to pull my credit report. I really don't know who these companies are : XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN BUSINESS CRED XXXX XXXX XXXX EXPERIAN BUSINESS CRED   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX   XX/XX/XXXX XXXX  XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX When I dispute them with Experian and XXXX  the response is automated stating the information is verified and never investigated. Please remove ASAP.
Consumer complaint received 2020-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX I had a complaint that was filed in error on XX/XX/XXXX to Experian. I was complaining about these two : 1XXXX XXXX accounts OPEN XXXX ( # XXXX ) 2.XXXX XXXX accounts OPEN # XXXX that were discharged in a Bankruptcy XXXX. They were still showing on my report when I do not owe on these accounts that should have been removed in XXXX. My new XXXX  XXXX account was accidentally disputed even though I never put my new account in the dispute an agent from Experian contacted XXXX XXXX by phone and had my XXXX XXXXXXXX # XXXX account put in as fraud and it has been deleted. I need my account off of restricted status ASAP! THIS IS A ERROR PLEASE FORWARD A CORRESPONDED THAT IT WAS DEFINATELY A MISTAKE.
Consumer complaint received 2020-08-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (UT)

Amerisave is disfrauding customers. Their apy is not comparable. The loan disclosure revealed fraud. They are only accounting for 6 months property taxes compared to others which are using 12 months. This decreases their apy and allows them to defraud shoppers making it look like closing costs are lower. They then increase points giving them more money.
Consumer complaint received 2022-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

There are 18 unauthorized inquiries on my credit reports that appear to have come from some credit phishing scam. They are listed below : 18inquiries These lenders have accessed your credit file : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date XXXX XXXX  XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX  XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX  XXXX  Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX  XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date A
Consumer complaint received 2022-11-29
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. (FL)

In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 US.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 man seven veers 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 15 U.S.C. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be INACCURATE or INCOMPLETE or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2022-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion, XXXX and XXXX are reporting a bankruptcy on my credit reports and have put the data furnisher as the, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, which is not true. I have included a letter, from the XXXX XXXX XXXX XXXX XXXXXXXX, that states that they DO NOT furnish such information to the credit bureaus or ANY credit reporting and monitoring agencies. Nor do they validate or verify any information concerning bankruptcies. 
TransUnion, XXXX and XXXX are falsely reporting this information on my credit reports and have yet to remove it from my reports.
Consumer complaint received 2022-11-29
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. (FL)

XXXX XXXXXXXX : 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 2020-08-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (CA)

I rented an apartment from XXXX XXXX XXXX in XXXX XXXX, CA in XXXX of XXXX. I paid a {$900.00} deposit upon move in. During that time the property was sold to XXXX XXXX in XXXX. When I moved out on XX/XX/XXXX, they claimed I did not pay a deposit even through I provided them proof with a cancelled check. When I moved out, I paid a {$1200.00} termination fee. XXXX is claiming this amount is {$1800.00}. After they had me sign a new lease with them ... .they changed the {$1200.00} amount to {$1800.00}. When I moved out I had the unit professionally cleaned. XXXX claimed I did not clean it and charged me a bogus {$130.00} amount claiming they had to have it cleaned. I had already paid a cleaning service {$150.00} days earlier to clean the apartment. The rental manager ( XXXX ) ( XXXX ) XXXX told me not to repaint or fix small holes for pictures in the walls as I had only been there a short time. I was then charged {$120.00} for painting. I payed what was owed when I moved out including utilities and the termination fee on XX/XX/XXXX. I did not hear from them again until receiving a collection notice from National Credit Systems in XXXX, GA ( ( XXXX ) XXXX in XXXX of XXXX. When I call the apartment office, XXXX, the office manager referred me to XXXX at XXXX XXXX  XXXX ) XXXX I have left ( 4 ) messages for XXXX and he has never called me back. I have left ( 3 ) messages for XXXX XXXX from National Collections and she has never called me back. The collections amount is now on my credit report, and this is now keeping me from purchasing a home. I would appreciate any help to have this bogus charge of {$920.00} removed from my credit report. 
On XX/XX/XXXX, I provided both XXXX XXXX XXXX  and XXXX XXXX a detailed letter explaining the discrepancies that accompanied by check for {$74.00} for utilities owed through XXXX of XXXX. I resent this letter to both parties this month, XX/XX/XXXX.
Consumer complaint received 2020-08-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ARS National Services, Inc. (FL)

Sent cease and desist letter to collection agency on XX/XX/2020. Received a return letter violating Fair Debit Collection Practices Act.  Then I sent a letter with Affidavit of truth, exhibits and invoice for violating my rights as a consumer, natural person and original creditor on XX/XX/2020 certified mail with return receipt with signature.
Consumer complaint received 2020-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

The account in question in discussion is Capital one Bank Account # XXXX the issue at hand is a late in XX/XX/2020, Back in XXXX XXXX was sick with XXXX I tried calling to defer the payment and could not reach anybody at Capital one. When I was well enough to work I did make the payment immediately.
Consumer complaint received 2022-08-24
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: WLCC (FL)

A loan offer of {$300.00} was extended to me online but to accept the loan it required me to authorize automatic debits from my checking account. I did not accept because I wanted to make payments manually instead. The lender called me and asked if Id like to accept the loan offer and I said yes, but only if I can accept it without authorizing automatic payments. The person said that was not an option and then told me nevermind, it looks like we wont be able to offer you a loan. I will attach copies of the emails I received where they at first offered me a loan and then later denied the loan after I had spoken with the company about declining automatic payments.
Consumer complaint received 2022-11-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

I am a XXXX  working via the XXXX platform. In XXXX I mistakenly transferred the earnings to my bank account I had not been using anymore ( XXXX ). When the money got to the bank, I initiated a refund back to XXXX. Now it's been stuck in the intermediary bank - Bank of America- for more than 2 months ( see the screenshot attached ). 

XXXX the payment from XXXX to XXXX XXXX XXXX was started. 
On the same day, it passed the first correspondent bank XXXX XXXX  XXXX XXXX, and got to the second correspondent bank XXXX BANK OF AMERICA. 

A few times I asked my bank ( XXXX  ) and the receiver ( XXXX XXXX XXXX ) to contact Bank of America, but nothing has changed yet. 

It's been more than 60 DAYS since the money got stuck in the Bank of America. 
I do need this money for my family. Please, help me get the payment released.
Consumer complaint received 2020-08-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (FL)

I have a loan with WELLS FARGO BANK. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, and WELLS FARGO BANK with no successful resolution. XXXX, XXXX, and XXXX   reporting me late. There was definitely an error on their part. I was never 30 days late ( XX/XX/2017, XX/XX/2017 ), also I was never 60 days late ( XX/XX/2017, XX/XX/2017 ), lastly I was never 90 days late ( XX/XX/2017, XX/XX/2017 XXXX
Consumer complaint received 2020-08-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

On XX/XX/XXXX and XXXX, XXXXhree checks of ( {$1900.00} ), ( {$2100.00} ) & ( {$2200.00} ) were deposited into my bank account and were later found to be UTL ( Unable to locate account ) then were returned with fees. Also, a XXXX to a fake name XXXX XXXX XXXX XXXX XXXX to various numbers were sent out. I described that these were scams to USAA phone representatives and provided information of the scammers including names, phone numbers, social media accounts and addresses that I had to hunt for. All in all they said I'm held liable when this was unauthorized. I asked if I could dispute those charges and was told yes by one representative days go by I hear nothing. I ask again and I get told no by another. I started a fraud claim and ultimately got told that I'm held liable. I have contacted the numbers and emails to try to get these scammers to refund the money back but of course they did not budge. My accounts are now negative over - {$6000.00}, restricted to only credit and I have bills and other things to pay for. I could potentially lose my job and car due to this. The final option given to me was to take a loan from them or somewhere else and that will put me in more debt than before. I have so much evidence but my bank is not investigating further into this.
Consumer complaint received 2022-11-30
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and maXXXX have got into the hands of the wrong person.
Consumer complaint received 2020-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX XXXX XXXX I had a complaint that was filed in error on XX/XX/XXXX to Experian. I was complaining about these two : 1.XXXX XXXX accounts OPEN XXXX ( # XXXX ) 2.XXXX XXXX accounts OPEN # XXXX that were discharged in a  Bankruptcy XXXX. They were still showing on my report when I do not owe on these accounts that should have been removed in XXXX. My new XXXX XXXX account was accidentally disputed even though I never put my new account in the dispute an agent from Experian contacted XXXX XXXX by phone and had my XXXX XXXX # XXXX account put in as fraud and it has been deleted. I need my account off of restricted status ASAP! THIS IS A ERROR PLEASE FORWARD A CORRESPONDED THAT IT WAS DEFINATELY A MISTAKE.