davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-26
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS) (MS)

I XXXX XXXX is a victim of identity theft. THE ACCOUNTS DO NOT BELONG TO ME AND WERE UNAUTHORIZED. I ALSO WAS AFFECTED BY XXXX XXXX XXXX. MY PERSONAL INFORMATION WAS LINK ON DARK WEB
Consumer complaint received 2024-11-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

I have been making extra principal payments to the account first they would apply them to the interest I had to call to stop that. then I send checks that said principal and they would be applied to escrow. Also when I send the checks they don't get cashed until after the statement is sent this way it gets applied to the next month statement. I also started doing them through bill pay and they started going to interest as well. I started dividing my monthly payment into two equal parts for the second one to be made the first of the month equaling the total amount of my payment. they hold on to the payment even if I make it earlier and still charge me the same amount of interest they said they will not apply the amount to my account unless I pay the full amount at once. Or I can pay extra every single time. I spoke to three different people on XX/XX/year> the last one XXXX said I am not allowed to pay my payment in two equal parts. I can only make payments as a whole on the first of the month and interest will always be the same not when I make my payments.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2021-01-25
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. (AL)

In XXXX and XX/XX/2020, I disputed a unverified collection item, XXXX, XXXX Account number XXXX, with this credit bureau and as of today, I have not received any response from them. Also In the Dispute letter I included the proper documentation to have the investigation started I also sent a 30-day non-response dispute letter to this bureau in XX/XX/2020 and I have not received any contact back about my dispute. I'm contacting the CFPB to help me with this issue to remove thisUnverified collection item because of the Fair Credit Reporting Act that states 30 days of investigation response and the item should have been deleted or verified. thanks
Consumer complaint received 2022-06-03
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MA)

I've sent over an investigation request letter to XXXX XXXX and Experian via Certified mail with proof of delivery and signature. Signed by XXXX XX/XX/2022, signed by XXXX XX/XX/2022 and signed by Experian XX/XX/2022. I haven't received any letter about a completed investigation or haven't had any deletions based on the inaccurate info regarding the accounts listed in my letters to them. It has been over 30 days so they have violated FCRA and FDCPA laws also by not deleting the accounts reporting inaccurate data. 

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. They haven't notified me of any results nor was it properly investigated if so, because how would that be possible if " Last Updated '', " Worst Delinquency '', " 2-YEAR PAYMENT HISTORY '', " 30 days late '' section, " 60 days late '' section, " 90 days late '' section, " closed date '', " last activity '', " terms '', " payment status '', " balance '', are all showing inaccuracies. 

Those are MANY inaccuracies and HIGHLY damaging my credit, it has hurt and is hurting my ability to obtain credit. 

I provided my letters to them and then proof of my credit report pulled XX/XX/2022 circling ALL of the errors and inaccuracies on these accounts. I want to make it clear I XXXX XXXX am submitting this myself and not being represented by anyone. 

After multiple FCRA and FDCPA laws being broken I demand these accounts be removed IMMEDIATELY. 

Account Name : XXXX XXXXXXXX Account Number : Ending in XXXX Account Name : XXXX XXXX Account Number : XXXXXXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2020-11-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (CA)

Refinanced home along with escrow balance with XXXX XXXX  ( Closing date XX/XX/2020. Signed closing papers on XX/XX/2020 ). XXXX XXXX  transferred mortgage with escrow account to XXXX who assigned TMS ( The Money Source ) to service loan on XX/XX/2020. Made payment including escrow to TMS on XXXXReceived XXXXcounty notification to pay taxes due since XX/XX/2020. Contacted TMS over the phone to notify them to pay property taxes as they are holding the fund in escrow at least 6-7 times including a supervisor on recorded line who mentions ' Honey! Your loan is transferred to XXXX XXXX we have nothing to do with it anymore ..etc '' Contacted XXXX XXXX XXXX several times who could not find the transfer anywhere in their system even with the transfer account number provided to me by TMS. Called TMS again several times to make them aware of it and need for paying property Taxes ( Since they mentioned it may take 60 days to complete transfer and I am already delinquent to pay taxes ) with no clear directives or solution but mostly beating around the bushes so to speak. Contacted XXXX  XXXX  3 times who gave me a case number and escalated the case but no result so far. Contacted original lender via e-mail with no response so far. Please advise! Please help! It can not be a NORM in the process, Thanks!
Consumer complaint received 2021-11-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WSFS FINANCIAL CORPORATION (FL)

I was in Forbearance with my lender My Mortgage was sold in to another lender they didnt continue with my forbearance agreement and decided I had to pay all the payments in forbearance And places me in Foreclosure. 
I hired a company to defend me and the mortgage company sent me a re financial proposal at 5.5 % 25 years would with many predatory clauses. 
Im including the document I would like to refinance my mortgage with with reasonable terms. 
Thank you for helping me in this situation
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I cant believe I found inaccurate accounts on my credit report today. I regularly check it and didnt expect to see these discrepancies out of nowhere. When I refreshed my browser, I hoped it might just be a glitch, but nothing changed. I am requesting that my documents be examined in detail so that I can finally have peace of mind about this issue.
Consumer complaint received 2021-03-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WYNDHAM CAPITAL MORTGAGE, INC. (GA)

Was not aware that Wyndham Capital Mortgage would sell my loan to a very shady company with a horrible rating -- XXXX XXXX. Now I have to stay with them or incur the cost of refinancing to have a new mortgage company. I think there should be more regulations in place and consumers should be made aware of such practices -- actually having to sign documents before such transactions between companies can take place. The company my loan was sold to, XXXX XXXX, has not paid my city taxes, which has caused a lien to be placed against my home and could potentially impact my credit rating.
Consumer complaint received 2021-03-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (TX)

This company has been sending me letter trying to collect a debt that is to old to collect. 
According to the debt collection laws of the State of Texas there is a four year limit on debt collection from the time the last payment was made. The last payment on this account was made XX/XX/XXXX. Four years from that date would be XX/XX/XXXX. Here it is XXXX of XXXXThe account is through XXXX XXXX and it is in the amount of {$710.00}. I do have the bank statements from XXXX of XXXX through XXXX of XXXX when the account was turned into collections.
Consumer complaint received 2023-07-13
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. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # 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. 

FAIR COLLECTIONS AND OUT Other Collection Agencies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION (TX)

The complaint is about Simple Bank a " branch '' of BBVA USA ( https : //www.simple.com/ ) I received my direct deposit from my employer on XX/XX/2021, but the money didn't show up in my account. 

I talked to my employer and they provided the paystub that corroborates the deposit ( I'm attaching it to the complaint ). 

I called the bank in question and after multiple attempts and almost two hours of wait, an agent answered and said that they can't see the transaction that I need a 15-digits tracking number, but the paystub doesn't have it. I requested the tracking number from my employer which they requested to XXXX ( the company managing the direct deposit ). 

However, I haven't been able to contact my bank again at all. In these COVID times where it's already hard to earn money stuff like this worsens the situation. 

I have bills, credit card payments, and a family to provide.
Consumer complaint received 2022-11-18
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Byrider Franchising, LLC (OH)

I purchased a XXXX XXXX XXXX with financing though Byrider on XX/XX/2022 at XXXX. My total payment amount once the car is paid off will be {$33000.00} which is three times the amount the car is worth. I went to the location I purchased the car from and told them I wanted the purchase unwound and that I want my trade car back and my down payment refunded. I have been given the run around by both the sales side and financial side. I was told specifically by the general XXXX that Im not the first person that this has happened to, which leads me to believe that they have done this many times before and deliberately just to make money off of desperate people.
Consumer complaint received 2024-11-25
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: Shellpoint Partners, LLC (IL)

They are our mortgage company who is holding the money we require to finish our renovation due to water damage. I have a signed contract from a contractor. I have sent all the necessary paperwork they require to release the funding to us.

At the beginning we were informed that claims that surpass {$40000.00} would require additional information. We have sent over this information as the claim went over {$40000.00} a week ago.

However, prior to us discovering this we sent them a check a month and a half ago. They received this check, but required additional information an updated adjusters report. They failed to notify us of this until we called 10 days after they had the check in hand. ( We called multiple days before this as well and were assured no extra information was required. ) in this 10th day they informed me they put the check in the escrow account and these funds could be dispersed once the updated adjusters report was sent out. At this point the claim was not more that {$40000.00}. I asked the question the claim may go over {$40000.00} because were expecting another check. I was assured this would not affect funding being released to us for the first check of {$1600.00}. This issue was suppose to be escalated and a supervisor was suppose to reach out. This never happened. We reached out again and were assured that it is of utmost importance and a manager will reach out within 24 hours. This still never happened. We called again today on XX/XX/year> and were promised a manager will reach out. They are now saying they are sending the {$1600.00} check back for endorsement because the claim is over {$40000.00} even though I was previously ensured that this would not happen. We are not able to continue our project and I am XXXX XXXX XXXX. Im already starting to have stress related complications and just dont know what to do anymore.
Consumer complaint received 2024-10-17
Product: Credit 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: JPMORGAN CHASE & CO. (MA)

I'm sending this email in hopes of something but not expecting anything. 
I was wronged by multiple companies and want it shared because I believe XXXX XXXX is XXXX of few people actually interested in protecting people. 

In XXXX, I bought a {$980.00} ticket to XXXX for XXXX so I could accompany my XXXX  grandma and XXXX aunt back to the US ( after my mom accompanied them to XXXX for a few weeks ). When I checked in the night before for my flight, I was 'waitlisted '. After making many calls with XXXX XXXX, I was told this meant I was not guaranteed a seat on the flight. Given my reason for going to XXXX was to assist my family, I couldn't risk not having a seat and therefore not getting there, so I bought a whole new set of flights. I was told my original ticket was non-refundable - I argue, I didn't know that 'waitlisting ' was a thing and didn't buy that protection because to me, it's an unheard of thing. 

As soon as I passed through security, I submitted a dispute with my credit card company because I felt I was owed reimbursement given the circumstances. After I checked in to my second flight, and was waiting in the terminal for hours, I chose to go to the desk for my original XXXX XXXX flight to ask what happened, and if this was common. The woman at the desk printed me a boarding pass and I elected to get on that flight because it was so far superior logistically than my back-up flight. The second flight was also non-refundable given the urgency in which I bought it. 

Once in XXXX, I couldn't risk the same stress given that I was traveling specifically to accompany my family so I chose to stick with my alternative flight, rather than pursue the original flight. 

Yesterday, I got a call from my credit card company ( Chase Sapphire / Visa ) saying that my charges would be re-billed because ultimately the services were available to me. There is no recognition of the unnecessary stress and XXXX, as well as cost, to rectify this situation. It is not right to me that a company could 'waitlist ' a seat on a flight that I paid for. I understand standby, but this wasn't that. It's not right, and just because I'm fortunate and in a position to buy alternatives should not mean that I sacrifice {$980.00} because of this greed and incompetence from XXXX XXXX. 

Again, I don't expect anything here, but if this is an acceptable behavior from an airline, what's to prevent every company from taking your money, risking the service/product, and then not having to reimburse you?
Consumer complaint received 2023-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK (NJ)

I made a balance transfer {$5200.00} plus fees on XX/XX/2023 but I never received my money into my account I have a chase account but they said they sent the money to the XXXX  XXXX XXXX but I have no bank with XXXX XXXX XXXX. first they disputed me the amount of the fraud then they added the amount back again on my account now my account is negative {$4400.00} my account full limit is {$5500.00} so I'm negative on my account XXXX thousands something all this Is badly affecting my life and my credit score. I had a good credit score of 700+ now I'm currently sitting at XXXX. I'm a victim of this absurd investigation they did on my account I'm looking forward to take legal action on discover bank I need help in this regard. thanks
Consumer complaint received 2021-07-06
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: Bread Financial Holdings, Inc. (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 60 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2022-04-12
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. (CO)

I got an email from my bank XX/XX/11 advising my score has changed from excellent to good. 
I looked at my credit report and I can find nothing incorrect. I called TransUnion to find out what is going on. They said they can not help me and that I need to call a credit couseling service. I called the number they gave XXXX. We figured out that a credit card that had a $ XXXX limit that I have not used in XXXX closed. It dropped my score XXXX points ( from excellent to good ). I have ALWAYS had excellent credit. They told me to call TransUnion back and ask them about why the score would drop that much as there were no changes on my always on time payments for all my accounts and my usage is always under 30 %. I called TransUnion back they said there is nothing they can do. They said all of this is automated. I said exactly. I just want to get this escallated so someone can review the parameters that give the score. I said everything I have is in excellent status how can you give a score of 'good '. They repeated everything is automated and then asked 'what am I going to do to fix my credit. I said I can't fix anything as everything is in excellent status except the score. I just want someone up the chain to review the formulation to make sure there is not an error or a hack that is affecting the score. Please see the attached document that shows XXXX different companies that use TransUnion information saying everything is perfect, yet the score is 'good '. I also talked to my bank ( XXXX ) and they said they have gotten mulitple calls regarding this type of scenario since Friday ( XXXX ). We are looking at purchasing a condo for my mom. This score directly affects our interest rate and need this reviewed as soon as possible. How do you dig out from under a huge company that controls your life with this score and get anyone to look at this?
Consumer complaint received 2021-03-25
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. (NC)

In XXXX of 2020, I entered into a deferment with XXXX XXXX for several months due to the covid and losing employment. My deferment was ending in XXXX of 2020. I was turning the vehicle in as early lease termination since the lease would be up in a few months anyway I could no longer pay for it due to the impact of Covid. On XX/XX/XXXX I was admitted to the XX/XX/XXXX for XX/XX/XXXX XXXX. Which I provided documentation. On XX/XX/XXXX I became extremely ill and was XXXX XXXX XXXX XXXX XXXX XXXX. I remained in the hospital until XX/XX/XXXX. I was still under XX/XX/XXXX due to a lXX/XX/XXXX and on and off again XX/XX/XXXX( documentation provided ). I called XXXX XXXX immediately and told them I couldn't return my vehicle until I was released from XX/XX/XXXX. I was released on XX/XX/2020. I called XXXX and was told someone would call me back within 10 days. On XX/XX/XXXX I called them since no call was received. They told me to find a local dealer and return the vehicle. I returned the vehicle on XX/XX/XXXX ( documentation provided XXXX. I told them I was concerned about the credit reporting. The supervisor told me she would make a note to the account and I could dispute it. Which I did, two times with XXXXXX/XX/XXXXand two times with all 3 bureaus No one removed the 30 days late. This is unfair and It was a result of a pandemic and being XX/XX/XXXX