davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2019 I made a deposit of {$1600.00} into my primary checking account at Bank of America, I was told it would be up to a two day hold on my deposit the deposit check I deposited was a valid check which has been confirmed by me at the Bank of America with the payee of the check and their financial institution that stated to them that the funds cleared their account on XX/XX/XXXX when submitted. On XX/XX/XXXX the funds were deposited into my account in which I did less than five transactions then today XX/XX/XXXX the funds were taken out of my account from the deposit which now resulted in me having a negative balance of over {$1600.00} at which the bank claims that the check is a fraudulent check which is incorrect. Bank of America refuses to release the funds into my account saying now that the federal reserve has not transfer the funds to hem Which is falls due to the fact that the XXXX XXXX XXXX confirm that Bank of America receive the funds on XX/XX/XXXX By Bank of America claims that the Federal Reserve never deposited the funds from my account. Bank of America has now put me in extreme financial peril due to their practices in which they have caused my first deposit the funds into my account and then removing 24 hours later the funds for no reason whatsoever
Consumer complaint received 2019-06-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (WA)

I would like to add to my prior complaint.

COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX PRODUCT Mortgage SPS ' response is NOT clear and is contradictory. At the time of mediation, over and over, SPS stated they did NOT do a full review as required by Washington State Law. They tried to blame the fact that I had filed a complaint with WA State Attorney General. However, that complaint was closed on XX/XX/XXXX and the mediation did not happen until XX/XX/XXXX. They had 4 months to do a review. Even had our original date of XX/XX/XXXX been in place they would have had over 30 days to do a full account review, which they require per all notifications on their website and their RMA documents.

They state in their response to my above complaint that INCOME was NOT a factor in their review and they didn't require income. The last income statements they had from myself and my husband are dated back to XX/XX/XXXX. They then state they were unable to offer a repayment plan because we didn't have the right income to debt ratio. However, how is that possible if income was not a factor and which is it? They don't need income or we don't show the right amount available? They continue to state that because of our lack of income they could only offer a 12 month repayment plan and require a balloon payment at the end of 12 months of $ XXXX because their offered repayment plan would not repay the back balance due.They never addressed the reason for keeping our repayment plan at 6 % and not doing what everyone else in the industry seems to be doing by offering repayment at recent rates ( approx. 4.25 % ). They seem to be stating one issue then offering a repayment plan that would set us as the homeowner up for failure.

Nothing in their response addresses the discrepancies in dollar figures. I realize that we have a couple more days prior to their noted time to provide that, but it should have been a point that was mentioned as being worked on.
Consumer complaint received 2019-06-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (TX)

I was denied for teacher loan forgiveness the first time because I applied in XXXX of my XXXX year. So I applied again 4 years later, I was never notified I had to call EDFINANCIAL to find out it was because they did not read the application completely to see that I taught 7 years at one school and was at a new school for the last 2 years. The agent resubmitted and it wasnt until I called them again 6 months later that I found out I was denied for filling out the wrong line on the application. During this 6 months of non communication, my credit score fail 100 points because I thought I was in forbearance awaiting a decision on my loan forgiveness. Although the dates were corrected this did not help the fact that my credit score fail for 8 months and it effected my financial portfolio. I recently applied again and was denied because I was told that I had an OUTSTANDING loan before XX/XX/1998, which is incorrect because I was a XXXX at that time. I asked to speak to a manager and was told he was the only manager I could speak to. Edfinacial need to be investigated, most of all the complaints are the same, and customers financial portfolios should not be left to the hands of customer service agents.
Consumer complaint received 2019-06-12
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. (TX)

I called XXXX XXXX  on XX/XX/XXXX and XX/XX/XXXX Spoke to a rep that stated if I paid the 7 year old account in full they would remove it. I have paid it in full and the account still remains active and derogatory .And to add to that it also continues to reports " FP '' ( failure to pay ) which is equivalent to a late on my report each month. It continues to bring my credit scores down and is damaging my prospects of buying a house. XXXX XXXX is a 7 year old account and should not be reporting late and incorrect information.This account has continues to change balances from month to month. There are 2 derogatory XXXX XXXX account reporting to my credit report. 

XXXX XXXX is a 7 year old account and should not be reporting late, and in error. 
I would like this account removed or all errors removed and updated from my account for the past year.
Consumer complaint received 2019-06-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (TX)

In XX/XX/2019 I asked a Caliber Home Loans customer service representative about removing my PMI, from a conventional home loan that I have through them. She informed me that one of the options was to get the house reappraised using their appraiser, and if the LTV ratio was below 80 % it would be removed. After paying Caliber for the appraisal, they sent me a letter telling me that I was at a 76 % LTV ratio, but then told me that it needed to below 75 %, so I now needed to pay more money ... Upon calling in and speaking to a representative I was just told that the LTV ratio now needed to be below 65 %. I feel like they are just taking advantage of me for not refinancing, which they try and convince me to do on an almost weekly basis at this point. Oh and another thing, we've never missed or been late on a payment.
Consumer complaint received 2019-06-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ASSOCIATED BANC-CORP (WI)

my bank has barred me from my online account, they had a web redesign and after that we were to reset our passwords, and receive a call or text with a 4 digit number to confirm our identity, well they never sent the number after numerous months of trying i called to complain and seek entry by administrative process, well guess what they don't do that it's an automated system and i have no redress! they call me on my XXXX using an XXXX number and ask me personally if i can receive XXXX numbers on XXXX! i have used XXXX   exclusively for the last 9 years and have always had access to this banking information, phone banking and the online web banking, now they act like they can't help me in any way, when they call me for information they are cross and rude claiming it's all my fault, they wont let me have a 4 digit number to get in nor can they let me in
Consumer complaint received 2019-06-11
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (CA)

I purchased a 2008 XXXX XXXX  from XXXX XXXX XXXX in XX/XX/XXXX and my car loan is through Santander Consumer USA. At the time of purchase, I didnt have any established credit and my APR was 26.42 % with a car payment of {$550.00} per month. My credit improved in XX/XX/XXXX & XX/XX/XXXX and I tried refinancing for a lower interest rate with Santander which they wouldnt allow. I tried refinancing with other lenders as well and was denied because the loan was upside down, owing more than what the car was worth. In XX/XX/XXXX, I was terminated from my job and I was using my unemployment money to pay my car payments as best as I could. On XX/XX/XXXX Santander repossessed my car and when I called to find out the necessary amount to reclaim my vehicle, I was informed that I was 3 months behind which should have been at the most {$1600.00} but instead I was told that I would have to pay {$3900.00} ( please see attached statement ) in order to get the car back. On XX/XX/XXXX the car was sold at an auction for {$4000.00} and the remaining balance of {$15000.00} is owed. Much to my surprise, I recently reviewed the attached transaction history and for the past 4 years I see that my car payments were being applied to the interest and I still had the same balance due of {$19000.00} which is the original amount financed in XX/XX/XXXX. Also, according to the transaction report the amount that the car sold for was applied to the principal balance and the amount of {$15000.00} is outstanding. I am shocked to learn that NOTHING had been applied to the Principal balance until the car was sold. Also attached, are the XXXX XXXX XXXX reports which show that the car was worth {$4000.00} when I purchased it and {$3100.00} is what its worth now 4 years later. Based on the amount of {$4000.00} Santander received from selling the car in XX/XX/XXXX, plus the inflated monthly car of payments of {$550.00} Santander has recouped the value of the car and then some. Not to mention, according to the attached Sales Contract with XXXX XXXX XXXX had I been able to make all the car payments due under the sales agreement I would have paid {$40000.00} for a car that is only worth {$4000.00}. Santander is a predatory lender that takes advantage of people like me that have no clue about interest rates, that have no established and/or poor credit and desperately need a car. Please help put an end to Santanders predatory and disgusting lending practices.
Consumer complaint received 2019-05-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (MA)

I was given a {$2000.00} limit American Express Credit Card ( Blue Sky Miles ) in XXXX, shortly there after I was XXXX with the military, severely injured and unable to make payments, I told XXXX this, explained the situation, provided documentation, and they put my credit card into collections, even after I provided them with documentation of military service and XXXXt XXXX relating to the injury, it has since destroyed my credit score.
Consumer complaint received 2019-05-29
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: EQUIFAX, INC. (CA)

I have been a victim of Identity Theft as well as XXXX XXXX Data Breach.The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value and several negative items. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2019-05-29
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Equitable Acceptance Corp (PA)

In XX/XX/2016 I introduced to a student loan consolidation program. The program was said to be apart of the XXXX XXXX XXXX XXXX. I was presented the idea that the consolidation would be income based. Based on my income at the time, I paid {$330.00} Up front then had to continue to pay {$39.00} to equitable acceptance every month as repayment to my existing student loans. As I begin to go through the process of buying a home and gathering info on my student loans, I was informed that my loans have not been consolidated through the company as promised and my XXXX payment was not going towards paying off my loan as promised. In fact there was a line of credit opened instead of a consolidation and Ive been paying on that over the years instead of my student loans.
Consumer complaint received 2019-05-29
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC (NM)

Radius Global Solutions continues to call at XXXX XXXX XXXX each evening. It is a robot call with no operator and no ability to leave message. I called and told them i owe nothing and i have no debt. They continue to call and i can not block since they change numbers. How can i have FTC charge them? Called XX/XX/19
Consumer complaint received 2019-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been a victim of Identity Theft as well as XXXX XXXX Data Breach.The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value and several negative items. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2019-06-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (TX)

I closed on this home on XX/XX/2019. The mortgage originator was XXXX. I had agreed and they had agreed that I would be sending weekly payments. Shortly after and just before my first payment was due they sold the loan to a company named Amerihome. Amira home claims that they either gave them the wrong address to send paperwork to or they sent it to one of my old addresses they are not telling me which one but they dont except weekly payments several weeks ago by before I found this out because they sent a document to yet another address I had but not the one that they had the mortgage loan because theyre plain XXXX   of course and it has been a freaking nightmare getting all of this sorted out ever cents and it is still not sorted out. I was told the only way to get away from them is to refinance if I do that I am going to be filing a lawsuit against the company and theyre going to be paying way more than the closing costs are even offered for them to buy this whole place out for what I have in it and they can sell it to whoever before they get their XXXX sued I dont wish to harm attorney but if I have to I will this is the worst treatment of the mortgage that Ive ever seen in my entire life I was ahead of the game and they were sending me checks back in different forms one through my bank and one paper check theyre not even consistent with that and then when you call on the phone you cant get any answers. Im done trying to get it sorted, I need some sort of intervention.
Consumer complaint received 2019-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I signed up for the TransUnion online credit report website at XXXX of XXXX for a one month trial and they were enable to give me information about my credit score. They took my debit card information and my social security number. I thought that my membership cancellation was already done by XX/XX/XXXX of XXXX but I just realized that they took a {$19.00} monthly fee of my debit card without even telling me since XX/XX/XXXX of XXXX. They keep sending me emails about the credit score service several times ( spam ). 
I tried to cancel my membership for good but TransUnion doesn't have that option on their website so I called several times to the phone number display for cancellations but nobody picked up. They really make it difficult to end the business agreement with costumers.
Consumer complaint received 2019-05-29
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. (NJ)

Why is this on my credit report i cant locate it..based on my research, XXXX sold this information to the credit bureaus, Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it or verify it with the court system. 
CHAPTER XXXX BANKRUPTCY : XXXX
Consumer complaint received 2019-05-29
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. (NJ)

Why is this on my credit report i cant locate it..based on my research, XXXX sold this information to the credit bureaus, Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it or verify it with the court system. 
CHAPTER XXXX BANKRUPTCY : XXXX
Consumer complaint received 2024-10-11
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (TX)

Once I received my Home Depot credit card I was unable to use it. After calling customer service several times I was told I needed a verification code that Citibank was going to mail out to me. Its been more than six months and I have not received the verification code in the mail. When I received the bill it was under a different name. I called the XXXX XXXX customer service and was unable to get anyone to help me. This is very frustrating and disappointing on how XXXX XXXX company is so big and they can not help their customers. Although, I have been paying the bill, I feel very uncomfortable with this situation. I am not sure if the correct account is being credited. I feel like I have been taken advantage and no one seems to care or know how to fix the problem.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (GA)

I took out an installment loan from Affirm Inc, but it was later charged off with a balance of {$XXXX} in XX/XX/year>. The charged-off status has been reported on my credit file for XXXX and XXXX. Even though it was charged off, it was sent to XXXX XXXX debt collection agency. XXXX XXXX offered a discount if I paid the balance in full, which I did on XX/XX/year>. They sent an email confirming that " this payment resolves your balance with Affirm , Inc . Provided that any payment you made is not returned unpaid, we will report to Affirm , Inc. that this account is resolved and no further attempts will be made to collect on your account. '' Despite disputing this account with XXXX, Affirm has stated that the account balance is still {$XXXX} and the account is open.
Consumer complaint received 2024-09-04
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)

I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. 
I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2019-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX and Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the  courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.