davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-06
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Shellpoint Partners, LLC (MA)

Sir or mam, My name is XXXX XXXX and I currently have a VA loan with the Newrez mortgage company with a 2 % interest rate. Due to my recent divorce I have been trying to remove my ex-wife from the mortgage through the assumptions process. This process will allow the rate to stay the same and allow my wife and I to save thousands of dollars. Because my loan is a federally backed loan it is eligible for an assumption and is usually granted. If I am forced to refinance, my mortgage will nearly triple and I will be unable to afford my home and hold on to the one thing that hasn't changed for my XXXX XXXX XXXX son. A simple answer would be to sell the home but due to my job I have to reside in the city. 

According to the Newrez website this process takes 6 to 8 weeks. I have been trying to get it approved for 8 months now with hardly a word from the mortgage company. They do not have a phone number for the assumptions department and only correspond through email. Because of this, they answer you at their will without any regard for peoples lives. I received an email from them on XX/XX/XXXX stating they would approve the assumption but I can not take out an equity loan to pay my wife her share of the equity and I can not borrow the money from anywhere. I certainly do not have XXXX sitting around that I do not know what to do with. I have come to the conclusion that Newrez purposely drags there feet until you give up and refinance anyway. They continue to do this while sending me emails daily asking me to take out an equity line as I have XXXX in equity in my home. 

At this point I am stuck and do not know what to do. I am hoping exposing them will stop them from leaving peoples lives in the balance. My ex-wife is currently unable to purchase a new home until I can remove her from my mortgage and give her share of the equity of the home. Myself, my ex-wife, and most importantly my son have been through enough during this process and I don't think its right that a mortgage company can hold us up from moving on with our lives. I am hoping this story interests you and you can help in some way. 

Thank You, XXXX XXXX
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

The vehicle that was leased through the consumer was deemed a total loss. They ended up closing my account and stopped my payments as I was not able to make my payments to the consumer was the vehicle was going through the total loss process. I had contacted the consumer multiple times as they kept updating the balance on my account when it was originally at zero. The vehicle lease payment was settle through an Insurance Claim and it was paid. I contacted the consumer because they flagged it on on my credit report as late when I made all payments on time. They sent me a letter stating that the account was closed and my vehicle lease has ended. Now the account is showing on my report as open with a missed payment of 60 days past due. Contacted the consumer to resolve this matter and they advised me that it was nothing they would do. I have been having this issue since the vehicle was stolen from me in XXXX into XXXX.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Monterey Financial Services LLC (NC)

I have not visited their store nor signed anything but they keep putting stuff on my credit which is making my debt increase and my credit score drop. I would love to see documents with my signature because I know for a fact that I didn't sign any contracts agreeing to credit checks.
Consumer complaint received 2023-09-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (OH)

I have been waiting on complete PSLF forgiveness under the temprary waiver since I consolidated by FFELP loans from XXXX  to XXXX in XX/XX/XXXX and submitted PSLF employment certification in XX/XX/XXXX. I have been continuously employed by a qualified federal agency ( HUD ) since XX/XX/XXXX. I have also continuously made monthly loan payments to XXXX from XXXX through XX/XX/XXXX. Mohela is now the servicer. The records for both Student Aid.gov and Mohela show that I've been in repayment status since only XXXX. As a result, my qualifying payment counts were only counted from XX/XX/XXXX through XX/XX/XXXX ( XXXX payments ). I have resubmitted submitted my PSLF certification and XXXX  payment history several times to XXXX, StudentAid.gov, and Mohela, but the payment counts have not updated. There are 11 years of missing payments ( XXXX ) that I've made that should count towards complete forgiveness ( 120-plus payments ) under the PSLF waiver. I have requested reconsideration from StudentAid and escalation to an Ombudsman without success.
Consumer complaint received 2019-08-15
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. (NC)

XXXX  ; XXXX  and Transunion are incorrectly reporting me as an Authorized User on the XXXX XXXX partial account number XXXX. ( Please see pages 4 and 5 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User to this account. I have contacted the ( 3 ) bureaus to fix this issue however, I have not been successful. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2023-09-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL (FL)

On XX/XX/XXXX, I initiated an ACH transfer using Synchrony bank 's web site to move {$80000.00} from my XXXX XXXX XXXX XXXX XXXX XXXX business savings account. 

On XX/XX/XXXX, Synchrony rejected the transfer. The email I received from Synchrony said to call XXXX XXXX XXXX to make sure I get my funds back. 

On XX/XX/XXXX, I called Synchrony to find out why it was rejected. I was told she could see the transfer had failed and that it was because my XXXX account is a business account. She said that the funds would be back in 3-5 days but I should to call XXXX to verify. 

On XX/XX/XXXX, I called XXXX  and was told she could also see the failed transfer status and the funds should be back in my account that day or the next day. 

On XX/XX/XXXX, with still no funds, I called Synchrony again. I was told that even though the transfer was denied on XX/XX/XXXX, they didnt final fail it until XX/XX/XXXX. I was told to wait another 2-3 days for the funds to come back. 

On XX/XX/XXXX, with still no funds, I called Synchrony again. They now claim they never took the funds and that they are still in the ACH. However, the funds were somehow held by them until the final fail on XX/XX/XXXX so XXXX insists that Synchrony must have taken possession of them at some point. They also informed me that ACH is not a holding account so my funds can not be sitting in the ACH as Synchrony states. Synchrony also claims that XXXX needs to " reclaim '' the funds from the ACH. XXXX says theres no way for them to do that. 

Since then, I have spent hours on the phone with both banks and hours in a XXXX branch office. XXXX continues to try to help us with this, but there's nothing they can really do. Meanwhile Synchrony denies any involvement and blames XXXX entirely, even though Synchrony initiated the transfer. At this point, no one can fix this and weve lost {$80000.00}.
Consumer complaint received 2023-09-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: SANTANDER HOLDINGS USA, INC. (MA)

I am trying to close my checking and savings accounts with Santander Bank. I requested they close the account on XX/XX/2023 and they sent me a confirmation email with a confirmation number ( XXXX ). I was told by the representative at the time that my request would be processed within 2 business days. It has since been 2 weeks and not only is my account still open, no funds in the checking account have been returned to me as I requested. On top of that, an additional monthly fee was charged on XXXX. 

I have since tried to call back, however, they simply keep you on hold.
Consumer complaint received 2019-08-15
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. (NC)

XXXX ; Experian and XXXX are incorrectly reporting me as an Authorized User on the XXXX XXXX partial account number XXXX. ( Please see pages 4 and 5 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User to this account. I have contacted the ( 3 ) bureaus to fix this issue however, I have not been successful. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2019-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TCF FINANCIAL CORPORATION (AZ)

Have had problems with this account since opening 5 years ago, this account is hardly used, pretty much for auto deposits from employer ( Ive been on medical leave most of this year ) - 1 ) To this very day have NEVER received a Debit Card even though requested at least 3 times. 
2 ) Originally when opened set up to access at the BRANCH, until last month have never been able to access again online even though called them several times for help, they referred to Illinois office, who never followed up. 
3 ) Last month after getting a statement showing they were charging me for mailing statements, they finally unlocked account and I was able to access online ONCE. I changed to paperless statements and logged out and have not used the account since. 
4 ) Yesterday I received an alert email from them that the account was frozen due to to many incorrect attempts to login at XXXX. I did NOT try to login and no one could have possibly gotten the account information from me. Thinking that someone was trying to hack in to TCF, I  called them. 
I tried several times yesterday, called & spoke to THREE different employees. They were NOT willing to help and only offered to help unlock the account and said they DO NOT have a Department that handles security isses! I emailed & sent the details through corporate contact, with NO response. 

Its really sad that fraud was attempted and they don't even care to help.
Consumer complaint received 2019-08-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (MI)

XXXX has sent an {$11.00} " debt '' to collections after I already called them to indicate that I do not have any kind of XXXX   account and that any charges were a result of fraud, credit card theft, or identity theft. I have a voicemail from their fraud department indicating that they were handling it and would remove the " debt ''.
Consumer complaint received 2023-09-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

In accordance with the Fair Credit Reporting act LVNV funding LLC ( resurgent ) 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 an account without my written instructions.

1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter 2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my wet signature.

6. Please provide a complete account history, including any charges added for collection activity.

7. Cease and desist as this is identity theft.

For 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (FL)

In accordance with the fair credit Reporting act XXXX Account # XXXX XXXX XXXX/CBNA, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under XXXX open end consumer credit plan as late for any purpose. 
XXXX
Consumer complaint received 2023-09-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (IL)

I received an letter from the resurgent capital services company that was supposed to verify debt but the letters do not include An end date for a 30-day period when you can dispute the debt it also doesnt mention That you can dispute the debt and that if you dont dispute the debt within 30 days the debt collector will assume the debt is valid they also dont have the full account number only the last four digits
Consumer complaint received 2024-11-02
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (MT)

My problem has less to do with finances and more to do with a mix of customer service and technological issues involving Capital One.

I have a XXXX XXXX XXXX XXXX, as well as a past auto loan that I paid monthly from XX/XX/XXXX to XX/XX/XXXX. Despite having two accounts, the Capital One website has given me the same repeated error since the start of my auto loan : " You don't have any accounts available to service online at this time. '' I was able to overlook this for a while by using paper and the automated phone system to make my payments. However, the issue became increasingly disconcerting this year when I wanted to move my payment date so that it fell after my paycheck. And yet, the online error persisted, so that I had to rely on the cosigner of my auto account to make the change for me. It does not matter what device I am on. I have tried mobile, desktop, and laptop, only for none of my accounts to show up on them.

Talking to the AI assistant is pointless, as it draws on the information provided by the online account, which it can't if there isn't an account available. 

I tried calling Capital One customer service to address the issue, but after an extensive phone tree, an automated voice told me to call during business hours before hanging up abruptly. This was on a Wednesday afternoon, and there was no option given for voicemail.

I attempted more than once to speak with a human representative, with similar results. Since I could not reach customer service online or by phone, I resorted to a typed letter, which I then sent through the mail to more than one branch. I detailed the problem to the recipients as I have here, making it abundantly clear that my primary concern was an IT issue.

Despite this, their response was curt and simply assured me that my credit score was fine. Though I did mention concerns over my credit score, it was directly related to the fact that I can not manage my accounts online, which I feel is fairly obvious if one reads my letter. 

In the last week of XX/XX/XXXX, I received a bill in the mail for a supposed XXXX XXXX subscription that I made on my XXXX XXXX. I did not in fact make this purchase, but since I still can not view my account, I can't verify it or any other purchases. I did report the fraud with evidence of the purchase ( or lack thereof ). The claim is currently being reviewed.

It is inexcusable that a company of this size should have such poor tech support when they are so heavily reliant on online databases. I am in the dark on my credit account because nobody will help me with this issue.
Consumer complaint received 2019-08-15
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. (AL)

I have sent multiple letters and as well called only to get rude customer service and no help. I have a fraud alert on my credit profiles and it's frozen until this gets this resolved. I have a account that was fraudulently placed. That is linked to a mailing address ( i have never lived at ) i have provided PROOF but the credit agencies ( XXXX, experian, and XXXX ) of my current address that i have been at for 28 YEARS. But they want me to call the FRAUD company and update my address with them. NO! i am not calling to update that information. I'm sure you can understand why!!! Needless, to say i was impacted by the XXXX data breach as well. THIS IS RIDICULOUS!!!
Consumer complaint received 2019-09-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

deposited a check for roughly {$13000.00} written from the same bank I use in IL to Bank of America account here in XXXX. They placed a hold on the check. I believe they have to provide me with a reason for placing the hold and Bank of America representative told me they do not. I researched Rule 229.13 from 12 CFR paragraph E and G which says if they have a reasonable doubt about the funds they have to give me a written statement why there is a hold, not just that there is a hold but the reason. Overdrawn often, out of date check, etc.
Consumer complaint received 2019-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Thank you for taking the time to read this letter, and I hope your day is going well. Im writing because I noticed that my most recent credit report contains 60+ days late payment XXXX reported on [ XXXX ] for my [ XXXX XXXX XXXX ] account. This account was paid in full XX/XX/XXXX on time payment where made since XXXX I have printed a copy of last 4 payments to show that this account was never late
Consumer complaint received 2023-09-06
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. (IL)

I am writing to express my deep distress and frustration regarding the recent denial of my request to block fraudulent accounts on my credit report. This denial, as outlined in your letter dated XX/XX/2023, has left me in a state of profound XXXX and uncertainty. 
I implore you to reconsider my request to block these fraudulent accounts, taking into account the exhaustive documentation and information I have provided. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-06
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. (TX)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-07
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XX/XX/XXXX and XXXX, purchase with card got declined. I contact BOA on XX/XX/XXXX. I was told the credit card is closed and got a numberXXXX, for further information. I called this number on XX/XX/XXXX and the representative told me all my accounts including checking/saving/credit cards are closed. I request for reason but he announced it's a business decision and can not disclose anything. I asked about the rewards and he said all rewards are forfeited. I complain about this and he insist on this action. At that time, there are XXXX points in card ending in XXXX and XXXX points in card ending in XXXX. Currently I can not redeem or transfer points on the BOA website. On XX/XX/XXXX and XX/XX/XXXX, I got BOA mails showing my credit cards are closed, the checking/saving will be closed in 30 days.