davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: KEYCORP (OH)

I currently have a HELOC with Key Bank that closed roughly 90 days ago. They knew I was refinancing my first mortgage at the same time and closed the HELOC in advance anyway. 

I knew I needed to pay them an additional fee when my the refinance of my first closed to cover the cost of the new subordination, but I was okay with the fee at that time being told that was possible. 

I Key the fee roughly 4-5 weeks ago, and my lender is now ignoring me. Key sent me a letter saying they no longer want to be in the business and want me to either cut my availability or pay off the loan. Seriously ; 90 days later. 

My income is substantial and multiples of my loan. My income has not changed, and my first mortgage is refinancing from a 30 to a 15 with over a 1 % reduction in interest as well. I have a top tier interest rate and spend almost 15 years in XXXX XXXX XXXX XXXX  with a top 2 bank. 

Key 's mortgage position is better, and they have now taken a large amount from me initially for the loan plus another subordination fee. Key won't even call my cell back. They are now impacting my potential to maintain a low-interest rate and causing significant potential hardship. 

I have received 1 email from my loan officer she is basically saying she can't help and it's above her. I responded that I am at a minimum entitled to my fees back ( especially my subordination fee which was declined ), and in 2 weeks nothing back from them. 

This is not an acceptable practice, and I truly believe based on my years of industry experience my lender and Key knew the entire time. They all collected their money, the lender was likely paid a fee and I am the one out.
Consumer complaint received 2020-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMA Advisors, LLC. (IL)

As of XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX is reporting on my credit reports, I have never had an account with this company, My Mortgage was handle by Homebridge Fin. My Home loan was paid in full XX/XX/XXXX and now XXXX is reporting on my CRA as 90 late, I have tried calling the number listed on the CRA report, but it is just no answer. 
Also it is reporting my loan was late XXXX, XXXX, XXXX, XXXX now. I have contacted Homebridge and they provided a notice stating there is no adverse action being reported on my CRA reports but the CRA ( XXXX XXXX, XXXX  ) states and show the information is being reported as accurate after I have sent them all the paper work to dispute and correct. 
I want all information from this company removed from my CRA reports.
Consumer complaint received 2020-10-09
Product: Credit card or prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Chime Financial Inc (MD)

As a result of identity theft, someone fraudulently opened a Chime account in my name. I received the card in the mail along with information for activating it. I informed Chime that the account was opened fraudulently as a result of identity theft and they blocked the card from being used but refused to close the account. They do everything by unencrypted email, which is completely insecure, and refuse to speak on the phone.
Consumer complaint received 2020-09-24
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$23000.00}, {$31000.00}. 
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. 

-- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$23000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$31000.00} -This is not my account.
Consumer complaint received 2024-08-14
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV INC. (CA)

Subject : Immediate Intervention Required : Missing {$4000.00} in Unemployment Benefits Potential Fraud and Systemic Failure Dear CFPB, I urgently request your immediate intervention in a critical issue involving the Money Network, a subsidiary of Fiserv, which manages Unemployment Insurance benefits. Since XXXX, transactions totaling over {$4000.00} have been marked as completed, yet these funds remain missing from my XXXX  XXXX XXXX account. The last successful transfer was on XX/XX/XXXX, with subsequent transfers on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX all showing as completed but never received. 

Despite multiple attempts to contact Money Network and Fiserv, I have encountered systemic failures in communication and support. This significant financial impact threatens my ability to pay rent, and the lack of accountability from these entities raises escalating concerns of potential fraud and negligence. 

I have already contacted XXXX XXXX and XXXX, and Congresswoman XXXX. If this issue is not resolved urgently, I will be forced to escalate through legal action and public exposure via media outlets. 

Please address this matter with the highest priority and respond promptly.
Consumer complaint received 2021-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Im filing this complaint due to Transunions failure to comply with the request for re-investigation of a written dispute requested on XX/XX/2021. Under the Fair Credit Reporting Act 15 USC 1681 I ( 6 ) I should have received a response letter no later than 5 business days after Transunions investigation was completed. It is past that time and I have not received a response. Now Im forced to spend money I really dont have to pay for certified mailing just to ensure I receive a response from them. 

My rights under Fair Credit Reporting Act 15 USC 1681 b ( a ) ( 2 ) Permissible purpose of Consumer Reports law are being violated. I did not give Transunion permission to report these inquiries. In my dispute I requested removal of unauthorized hard inquires from my report. This was not done. 

At this point, I am demanding Transunion cease & desist from reporting these inquiries. I demand they are immediately removed from my report. If they refuse to remove the items, I demand Transunion provide me with written documentation swearing under penalty and perjury laws they were there when the inquiries were authorized. I demand they also swear under oath that I signed for the inquiries requests and I signed documentation agreeing to add Transunion to the account to be able to report them on my report. 

These erroneous entries are detrimental to my overall credit rating and has caused me severe financial and emotional distress. If this matter is not resolved through this complaint, I will pursue the enforcements of my constitutional rights via federal court proceedings. The information will come out through my formal discovery process, and necessary depositions. I have recently studied constitutional consumer protection laws along with civil/federal court procedures. If necessary, I will represent myself pro-se and formally request a jury trial.
Consumer complaint received 2020-09-15
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. (PA)

I am writing to delete the following information attached to my file. The items I need expunged are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be removed to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2018-07-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (GA)

In XX/XX/XXXX i obtained a loan with Santander Consumer USA. XX/XX/XXXX XXXX XXXX. Purchased for XXXX. Two years later the interest rate is 30 % and i still owe not only the XXXX still but over 24,000k in interest. In two years they say that Ive only paid XXXX toward my note. The interest rate is a rip off. The value of the car in excellent condition is 8-11k. Ive tried to speak with them and continuously get nowhere.
Consumer complaint received 2024-08-23
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: EQUIFAX, INC. (TX)

Paid off account, was refunded for overpaying on the account by XXXX. XXXX XXXX XXXX says we owe them even though the receipt and credit line both show {$0.00} balance. Now I am in collections with {$1900.00} in debt which is incorrect and Ive been fighting this for almost 2 years.
Consumer complaint received 2020-09-01
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

CAPITAL ONE BANK USA Payment Info Status Charge-off Status date XX/XX/XXXX Past due amount {$6700.00} Late payments : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Contact : XXXX XX/XX/XXXXXXXX XXXX XXXX, VA XXXX. 

Send the documentation : FTC Identity Theft Report, Claim to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, trade to solve the problem but they do not want to help me and solve it. I have never lived in the United States, I moved just a year ago and discovered that I had identity theft, I have American citizenship as a result of having an American father. 
I want to solve these problems that are ugly since I moved to this country to finish studying and learn the language well. 

They are giving me many problems and they do not want to solve the legal documentation that I have given them, there is an abuse on the part of Capital One and the Debt Collectors.
Consumer complaint received 2020-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Medical Data Systems, Inc. (GA)

Paid Accounts are still appearing on the Credit Reports which should be removed or deleted. By showing on the Credit Reports it is reducing my credit score. 

XXXX XXXX XXXX  - Open XX/XX/XXXX for {$200.00} Paid XX/XX/XXXX XXXX XXXX XXXX   - Open XX/XX/XXXX for {$170.00} Paid XX/XX/XXXX XXXX XXXX XXXX  - Open XX/XX/XXXX for {$95.00} Paid XX/XX/XXXX XXXX XXXX XXXX - Open XX/XX/XXXX for {$110.00} Paid XX/XX/XXXX XXXX XXXX XXXX - Open XX/XX/XXXX for {$110.00} Paid XX/XX/XXXX
Consumer complaint received 2020-09-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Gotmortgage.com (CA)

On XXXX XXXX we submitted 2 home loan applications by telephone to a representative of Lending 3 Inc. One application for our primary residence which we own free and clear, to cash out {$120000.00} total loan amount. The second application submitted simultaneously for one of our investment properties to simply lower the rate and payment on a new 30 year fixed mortgage. 
We were advised that their policy was to not offer a rate lock until the loans were approved in their underwriting dpt. For this reason, we were anxious to move the process along and we submitted all of our income and asset information to the company before we even saw an estimate. After calling the company for over a week, it wasn't until XX/XX/XXXX that we received initial disclosures. We would have preferred to receive them by traditional hard-copy but they said they were delivered to our email to save time since we were rushing them for our loan paperwork. This should have been our first red flag as this is not how we have experienced the mortgage application process in previous dealings with national banks like XXXX XXXX, which where we have 3 of our mortgages. 
There are a few issues with this company. 
>Wanting to get our interest rate locked-in, we continued to call and follow up with no communication from them. 
>We found it confusing that when we finally heard from the processor in mid XXXX, she asked for XXXX 's pay stub, when we did not disclose employment income. ( He receives a payout from his employer that he retired from 2 years ago and he will continue to receive it through the end of 2020 ). We explained this from the beginning and submitted our applications without this income. We forwarded the pay stub anyway as requested, to not delay the process. 
>Finally, on XX/XX/XXXX, we received an email from the processor stating that our loans had been approved. Accompanying the email, she attached 2 loan estimates disclosing our interest rate was locked-in.

>The " conditions '' she listed included request for a recent pay stub and proof that it was going to continue for 3 years. I was beside myself and for the 2nd time told her that was not the case. She said that without that, we couldn't get the loans. We never received a formal loan commitment disclosure and only her emails.

>They would not work with us. They would not lower the loan amounts and they would not explain the details of the denial. She only insisted on proof of continuity for income that we never disclosed and we have proof that we never disclosed this as income  because our initial loan application doesn't list it. She said " she would let us know. '' >It wasn't until XX/XX/XXXX that this person communicated concrete denial. I asked her to send me formal denial letters because this entire ordeal just did not sit well with me. 
>After continuing to insist for the denial letters, I finally received on XX/XX/XXXX ... 2 months after submitting the applications.
Consumer complaint received 2020-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have made multiple attempts to receive my credit report from Transunion to no avail. They continue to generate error messages. I made an attempt on XX/XX/XXXX, and received no resolution until I purchased their monthly XXXX $ services. Note all I was looking at the time is my free credit report from annual credit report website which Transunion is supposed to provide, but they would not release it - would only release error messages and were not helpful through any of the communication channels. I am once again attempting to get my free credit report from annual credit report, and once again Transunion is generating error messages. They are not responding to any form of communication. 

Additionally, I am noticing my score drop significantly ( on XXXX  ) due to reported missed payments from XXXX. XXXX has notified me that they have not reported since XXXX, and I have no way to dispute the information that Transunion is reporting due to their dispute center not working, their credit report not loading, and their phone systems being a dead end.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

I've never been late with XXXX XXXX XXXXXXXX but according to my credit report i have XXXX late payments XXXX, XXXX XXXX XX/XX/XXXX and XXXX and XXXX of XXXX A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

i have never recieved two satments in a month or a notcie of me being late ive been late on this account the lates where removed and put back The Fair Credit Reporting Act ( FCRA ) prohibits credit reporting agencies from reinserting account information that was previously disputed and removed from a consumer 's credit report.

under the fcra The Fair Credit Reporting Act ( FCRA ) is a federal law that protects consumer credit information and regulates credit bureaus to ensure fairness and accuracy. The FCRA allows consumers to dispute inaccurate information on their credit reports, including late payments. Creditors must remove inaccurate late entries if proven. The FCRA also states that late payments can't be reported to the three main credit bureaus until at least 30 days after the due date. However, some creditors may report late payments after 60 days
Consumer complaint received 2020-09-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (MS)

I wrote a letter on XX/XX/XXXX to the company to verify/valid debt but they have not written back to me. 

Per FCRA, the law states that they have 30 days to verify, if they are unable to verify the debt that is mine showing my signature, id anything that validates that it is my debt, they must delete it or I have the right to contact my state general attorney and file a complaint to the FTC & XXXX.
Consumer complaint received 2020-09-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My Name Is XXXX XXXX, Number XXXX, I have a checking account with Bank of America. I have been a problem with this account that someone keeps trying to use my card with XXXX and XXXX. I already told the Bank to block all transactions for anything from XXXX and XXXX. XXXX of the Claims I have with this kind of transactions with a total amount of {$330.00}, and the Claim # XXXX they denied it. The reason is that I have a transaction with the same company back in XX/XX/2019, and I have signed in to the mobile app 6 times before I placed the claims. I told them that I was not able to have some with me on the customer service number, because their office was closed. I was able to place the claim a couple of days after that. And the transaction on XX/XX/2019 I just didn't realize that. Back in XX/XX/2019, when I first get this kind of transaction I already told BOA to Block all transactions from XXXX and XXXX, and they knew that I lock my card all the time. I also called XXXX to let them know I didn't make those transactions. It is very unfair for me that I not getting paid for transactions that I didn't make. During their research, they never contact me for information. Also, even I didn't use my card after I replaced it, those transactions still went through.
Consumer complaint received 2020-09-15
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Santander Consumer USA Holdings Inc. (CA)

i want to pay the lender off for a vehicle financed at $ XXXXmonth for 72 months at 18 % the total amount owed and quoted XX/XX/2020 is {$7100.00} and valid until XX/XX/2020. However, They are giving me the run-a-round making excuses about the payment method. At this point, with previous experiences with the dealership and the lender i do not trust either one of them and don't believe what they say because i have proven otherwise as far as those so called backend charges that are part of the purchase price and can not be removed ... well i had them removed. i've been waiting for them to be removed from the total amount financed and was told by the dealer that it takes 4 to 5 weeks. its all a scam to extort money from people and make it look legit. i had to borrow on my life savings to get out of this mess. as much as i hate the car, don't like the car and don't want the car and it kills me to have to pay for it. i, d gladly do it so i don't ever have to deal with these crooked thugs in suites they should be in prison not slapped with a class action law suite . clearly it hasn't affected them because i cant get approved for a XXXX card from XXXX but got financed by this crooked lender notorious for doing exactly whats been done to me and thousands of hard working unsuspecting people ... SHAME ON ALL OF THEM. 
PLEASE HELP ME PAY THESE PEOPLE DIRECT OR ADVISE SO IT DOESN'T GET CONVENIENTLY GET LOST IN THE MAIL AND COST MORE THAN QUOTED.. 
THANK YOU.
Consumer complaint received 2020-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MS)

FIVE months ago, XXXX  and Experian BOTH claim that they verified the bankruptcy reporting on my credit report through XXXX XXXX, XXXX responded that they could not verify this information and DELETED it from their database. I sent all correspondence to XXXX  and Experian for them to delete this unverifiable information off my credit report via section 1681, however its been five months and they are not cooperating.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (TX)

I have submitted several complaints to this company over the last few weeks through the CFPB. Since then I have not been able to access my credit to keep track of what is being reported. I have contacted them in regards to this but they are refusing to assist me. They are telling me that they cant find any of the documents that I uploaded to them through there online portal as well as the documents that I sent through the CFPB. I just uploaded the proper documentation on XX/XX/year> for a dispute which they still have in investigation. This company continues to violate my rights over and over