davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Amidst this worldwide crisis that we are facing with all that is going on this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.
Consumer complaint received 2022-07-22
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I submitted an application with my bank Bank of American on XX/XX/2022 and on XX/XX/XXXX after not hearing from BoA and submitting all requested information, I reached out to the leading team. I was told by the rep that they were backlogged and that unlike what was advertised on thier website-the time frame for review of applications was not 7-10 business days but 6 weeks, that it was 8 weeks for a processor to be assigned and to review the application and then 12-16 weeks to close. If this has been told to me or disclosed on the application for credit-I would not have applied for a Home Equity Line of credit with BoA. I am looking to make renovation to my home in the next 30 days and this timeline does not fit into my plans.
Consumer complaint received 2021-01-27
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (VA)

On XX/XX/XXXX both my husband and I received mail from AmeriSave Mortgage Corporation stating that in regards to our home loan application they preformed at soft credit pull and here is what they found. The letter included our credit reports. I immediately called the company because I was concerned that someone was trying to obtain a home loan with our information. I spoke with a XXXX XXXX and told him what was received in the mail and explained that neither my husband nor I applied for a home loan. He then started telling me that on XX/XX/XXXX around XXXX my husband clicked on their website and filled out our names, address & dates of birth. He then said that he clicked that he was tied to the military. I once again said that neither my husband nor I accessed their website, but clearly someone did. He asked for my email address so that he could send me what their website looked like so as to jog my husbands memory. I said, Sir ... we most certainly are NOT looking for a new mortgage. Someone is using our information and I am trying to clear this up. Do you have a fraud department that I can speak to? He diverted my question and kept reassuring me that it had to be my husband. He then asked what military discounts are we getting with our current mortgage and what our interest rate is. At that point I started to think that the letters in the mail were a deception to get us to call. I asked him again to speak with the fraud department since he was unable to assist me. He transferred me to customer service that never answered the phone.
Consumer complaint received 2022-09-22
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 feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have file a complaint with the federal trade commission and the XXXX XXXX XXXX  because to my knowledge I do not recall any these accounts. I need this problem fix ASAP. I should not have to wait another 50 days to receive no response because clearly you guys dont appear to care. I demand these accounts are deleted immediately or I will file for ligation due to the stress you caused me. 
Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those item from my credit report it has been over 50 days so they should be deleted promptly
Consumer complaint received 2020-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (FL)

To whom this may concern, I have applied twice for a Paypal Cashback Mastercard that is issued by Synchrony bank. And I have twice been denied. I called the banking company to see the reason. And I have not gotten a direct answer as to why. My credit is in good standing and I have XXXX debt collections.
Consumer complaint received 2021-01-27
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Auto Trakk, LLC (MD)

I had an auto loan with Autotrak. The car was totaled and deemed a loss. During the time of the loan i never made a late payment and also had GAP coverage. The car was totaled XX/XX/XXXX and once Autotrak received funds from insurance company i spoke to an associate who allowed me to believe XXXX insurance paid most of the remaining payment and the GAP insurance covered the rest. In XX/XX/XXXX I pulled up my credit report and was surprised to see Autotrak showing a charge off in the amount of {$2400.00}. I immediately called the company an they said yes the received money from XXXX and the GAP insurance but there is still a balance. The response from the associate did not leave a clear understanding as to why i would still owe.
Consumer complaint received 2021-07-30
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Payfare International Inc. (NJ)

On XX/XX/XXXX I tried to withdraw {$300.00} from my XXXX XXXX ( Payfare ) account from an XXXX ATM, while the transaction was processing their was a malfunction and the unit shut down. Although no cash was dispensed, the funds were withdrawn from my XXXX XXXX-Payfare account. 

I immediately contacted the ATM Provider ( XXXX ) and they confirmed that no cash was dispensed, yet the funds were withdrawn from my account. They stated that the refund process had to be initiated by XXXX XXXX and that XXXX XXXX ( Payfare ) should reference the XXXX Case Number XXXX. 

XXXX assured me that they would not dispute this and their system records show that no cash was dispensed and the funds were withdrawn from my account. 

The problem started with the XXXX XXXX-Payfare customer service group ( offshore ). I engaged XXXX XXXX ( XXXX ). The requested a summary of the event which I emailed them 7 minutes later at XXXX XXXX. This started an endless an endless email and voice campaign which provided no resolution, they kept stating it may take up to 60 days to complete. On XX/XX/XXXX they sent me a form to complete that I had to return it immediately or my case would be closed. When I tried to communicate with them on the XXXX my email was rejected because the case was closed Today I spent 30 minutes on the phone and I askerd them why did it take 17 days to send me the form, they stated the pandemic. I stated that I was truly ill ( recently detected XXXX  XXXX ). The operator stated that they did not want to receive any further documentation from me, but they will consider re-opening my case. 

This action could have been resolved within 24 hours-XXXX  stated repeatedly there is no dispute, your card provider just needs to request a refund using the case number that you provider ( XXXX ). 

Payfare has made it impossible to contact anyone domestically, all must go through the offshore call center which can not grasp the problem. 

I am a senior citizen, a XXXX  veteran and I really need your help to escalate this case where there is NO DISPUTE, the ATM provider states they will refund the monies owed me, but it can only do so through the card provider, Payfare. 

All pertinent documents are in a single document that I have attached. 

Thank you in advance, XXXX XXXX All
Consumer complaint received 2022-01-04
Product: Debt collection — Mortgage debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Shellpoint Partners, LLC (AL)

I have contacted Shellpoinys attorney XXXX XXXX several times about them contacting me and using a 3rd party to do home inspections. XXXX XXXX even sent Shellpoint a letter telling to never contact me again no matter what. Due to Ditech bankruptcy and the illegal sale if my loan during the bankruptcy process to Shellpoint a debt collector not a mortgage company even says so in the recording when you call them. This is credito harassment.
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: Experian Information Solutions Inc. (WA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2021-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TFS FINANCIAL CORPORATION (OH)

In XX/XX/2019 it was brought to my attention that my mortgage ( Third Federal Savings and Loan ) was late every month. I then actively started to monitor and dispute these inaccuracies in payment dates and late reporting. To date I have worked with the three credit bureaus and Third Federal to correct these items that were reported wrong. In the process the company Third Federal continued to report payments late ex : XXXX and XXXX I received alerts that these were late. 
I have had 8 corrections already and it is becoming exhaustive with XXXX  care and work. I have spent hours researching and trying to resolve these issues in the middle of handling parents, sickness and death. I am unsure why this institution is unable to provide proper reporting but I don't have the strength or time to continue to hunt and track down their inaccuracies. I have purchased cars and applied for credit that these inaccurate reporting 's have had immense impact on. 

In this fight with Third Federal 's inaccurate reporting I have been able to raise my credit score over 130 points from disputing and them correcting their errors. 

Additionally Third Federal reports to each credit bureau different information each month ( some reports show late and some show not late for the same month ). 


Third Federals letter to me indicating that they have sent corrections to all bureaus ( for a few of the errors that I went directly to them ) and that they apologize for any inconvenience is insulting as the " inconvenience '' is both financial and almost irreparable
Consumer complaint received 2021-01-27
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. (MI)

I was laid off in XXXXI called XXXX and told them i was having issues getting my unemployment and i would make my payment as soon as I was able to get unemployment straightened out. 
I paid it as soon as I could. This should not have nit a 30 day late on my credit report. we are in a pandemic with a situation out of my control. I have since paid everything to current. I have never been late before. this is not fair.
Consumer complaint received 2021-01-27
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Claimant IDXXXX ( to verify my unemployment claim ) Im contacting on behalf of Nevada unemployment ( DETR ) & nv prepaid Bank of America card. XX/XX/XXXX my account had XXXX $ deposited from DETR. By the time I went to go and get gas at the pump it stopped fueling at XXXX . And I was confused because I know I shouldve had money. Come to find out money was somehow taken out of my account at a XXXX XXXX on XXXX and XXXX XXXX of the sum of XXXX XXXX I reported that to Bank of America immediately and they told me theyll send out a new card. Which they did and I received it XX/XX/XXXX. When trying to activate the card the automated system told me it was closed. After hearing that I call Bank of America and they tell me I have to speak with my sponsor which is DETR. So I call DETR XX/XX/XXXX and the receptionist told me they have no idea whats going on have to call Bank of America its clear on our end. So I call back Bank of America they tell me to call DETR. I called DETR back and forth trying to get answers until finally XX/XX/XXXX I was told to send over my ID and social front and back to a specific email provided by DETR. Things start to seem great and after a few day on XXXX XXXX XX/XX/XXXX I got an callback from fraud department rep asking me identifying questions. She told me my account would be open by Monday XX/XX/XXXX. So I waited and Monday XX/XX/XXXX account was still locked so I called DETR fraud department and a representative told me if it is not open by midnight to call back the next day. So it didnt open and I of course called back and basically seems like the same thing started to happen, back and forth between DETR and Bank of America. So I keep calling & XX/XX/XXXX I get pending decision on my DETR claim. XX/XX/XXXX I get an email from DETR Fraud asking me to send in my documents again front and back. So I called DETR fraud XX/XX/XXXX and the receptionist tells me Im just waiting on a callback now, Im in the clear on my end. But Ive already got an callback XX/XX/XXXX so everything just going in circles now. Seen someone in XXXX post says they felt you helped them a lot in this situation. This has caused much stress and hardship on my family. No money for holidays, car payments rent, food. I have XXXX XXXX XXXX XXXX  daughters and its been very difficult and rough but hanging in there for my family. XXXX part is how Im still able to file weekly claims even though Ive missed almost 8 weeks of payments since all this have occurred.
Consumer complaint received 2021-02-15
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Freedom Mortgage Company (NY)

For the Past 4 years I have been trying to resolve a credit reporting issue with " Freedom Mortgage '' Freedom Mortgage has inaccurately evaluated my credit score and has reported 3 consecutive late payments from XXXX 2017, however that was not the case an i did in-fact pay these payments as well as every other payment before and after this time. 

Freedom mortgage made multiple mistakes on there behalf which they continue to deny and as a result i have recieved negative remarks to my credit, Freedom Mortgage 's company structure is so compartmentalized that it is impossible to speak with a representative that can fully understand/oversee the problem, making a complex issue like mine impossible to resolve because it requires knowledge from different departments.
Consumer complaint received 2022-01-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

On XX/XX/2021, I received a text message warning from XXXX XXXX stating that my card had been declined at XXXX and to type Y if this charge is correct and N if the charge was not authorized. I typed N and was immediately called by an agent. The person verified my name and phone number, which is linked to my online account at XXXX XXXX. The agent asked me to provide the credentials for my XXXX XXXX Zelle  account to prevent unauthorized Zelle transfers. Once the agent verified my information, they initiated 7 Zelle transactions, each for {$500.00}. The reason the person gave me was to reverse fraudulent Zelle transactions. The agent took {$3500.00} from my account. Simultaneously, my husband received the same text but was in a different city. He did not respond, but called XXXX XXXX, who denied any fraud occurring on the account. Apparently the thieves knew our names, phone numbers and bank. My husband texted me while I was speaking to the imposter bank representative, who was also asking for my routing number, and I hung up the phone. I immediately called XXXX XXXX and spoke to a representative that started a claim for me and attempted to transfer me to the Fraud department, however the wait time was over an hour. Although I was willing to wait, the representative said he was embarrassed of the wait time and advised me to call the fraud department early the next morning with the phone number he provided. I spoke to the fraud department on XX/XX/2021 and the representative deemed the transaction authorized since the Zelle transfer had been sent to a XXXX Bank account with my name on that account. I have no association with the XXXX bank account and do not have a Zelle account with XXXX Bank. The thief was able to link my name and cell phone number to their account. The XXXX website states Please note, you can only change your email address/U.S. mobile number to another email address/U.S. mobile number already on file with XXXX. Your checking account linked to your Zelle profile can only be changed to another eligible checking account linked to your XXXX or XXXX XXXX profile. I do not have a XXXX checking account. I contacted XXXX fraud department on XX/XX/2021 to report this fraudulent transaction. The thief robbed me through an unauthorized transaction using my name and mobile number fraudulently on an account.
Consumer complaint received 2021-07-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (TN)

On or about XX/XX/XXXX, my aunt, XXXX XXXX XXXX ( deceased ), entered into a loan agreement with XXXX XXXX XXXX XXXX XXXXXXXX, for what she believed to be a 15 year mortgage in the amount of {$56000.00}. In fact it was a 15 year amortization with a massive balloon payment of {$42000.00}! I moved into the house with my aunt in XXXX of XXXX due to her declining health. I began to take over all of her affairs at this time, including the mortgage payments with a Special Durable POA. Aunt died on XX/XX/XXXX. I continued to make the payments to SPS until XX/XX/XXXX when XXXX took over and they began refusing my payments. I hired an attorney ( XXXX XXXX XXXX XXXX XXXX ) in XXXX of XXXX to handle this for me because XXXX threatened foreclosure. When the probate was opened no-one presented a claim on the property and I was informed that they needed to do this even if there was a note. XXXX XXXX XXXX XXXX XXXXXXXX has different attorneys handling cases and I spoke with several of them through out this time. I am not sure what happened exactly but the point is that the house was foreclosed upon and sold within their own company ( XXXX ) claiming that the loan was being serviced by XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX as a trustee for XXXXXXXX XXXX XXXXXXXX XXXX. This is how they continuously gave us all the run around about who to speak to. In XX/XX/XXXX I attempted to purchase the home outright before my aunt passed so that we wouldn't have the need to go to probate, but I was unable to secure financing and close on such loans because we were never able to get any documentation from the lender in the form of payoffs etc. This went on until my last attempt in XXXX of XXXX. I have been going to court and have been trying to resolve this but have gotten nowhere. I am being evicted because the house was " sold '' due to foreclosure and I don't feel that I owe them the amounts that they say I do and I feel it is unfair since the opportunity to pay them happened on many occasions and they refused to cooperate to make the transfer happen and thus just took my home.
Consumer complaint received 2021-01-27
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. (TX)

Credit Reporting Agencies reply to complaints " Consumer Relations will enter your dispute into our system and review all information and any additional documentation you provide to determine next steps '' This is not a response but shuffling paper, pushing off, and a diplomatic answer. The FCRA requires the Credit Reporting Agencies to correct or delete any inaccurate, incomplete, or unverifiable information within 30 days of receiving notice of your dispute. Thus Credit Reporting Agencies have failed and do not investigate.
Consumer complaint received 2021-01-27
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. (AR)

I closed an account with XXXX XXXX XXXX in XXXX for their XXXX XXXX XXXX credit card and settled with XXXX XXXX XXXX in XXXX over two payments. I was also promised a deletion upon the agreed " paid in full '' status. I have a letter stating it is paid in full as well as a letter about the agreed settlement and receipts for my payments I uploaded to Experian who refuses to correct it despite my numerous dispute with the last update being yesterday. I have also contacted XXXX by phone today and they are stating they reported it paid and settled but it does not reflect on my credit report and it has not been deleted. I feel I have been done an disservice and this is a violation of FRCA. This dispute has been brought to XXXX, Experian, and XXXX  as well as supporting documents with no appropriate action