davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-08
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. (FL)

I have been trying to dispute incorrect items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2021-03-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

XXXX XXXX sold my mortgage to NewRez. My XXXX  XXXX XXXX continued to take auto pay money from my account and pay XXXX. In XXXX XXXX returned the money to me. I did not know that the mortgage was sold I had no idea what NewRez was. I missed two months of my mortgage payment due to the transition. I called XXXX  and found out the mortgage was sold. I called NewRez to make payment using my checking account. I paid 2 months and got caught up. They did not process the payment. A month passed when I got a notice saying Im 4 months behind. I called NewRez again and I paid. This time they did process the payment. NewRez charged me {$220.00} in late charges. The representative said he did not have the power or authority to refund them even given the circumstances. I asked for a manager and they did transfer me. The manager told me that she would pull the recorded tape and get back to me by XXXX XXXX that day. She did not. Of course, she would not give me her last name or extension.

NewRez on line systems are sub par. When I called last week, for 2 days I could not get the customer service line. As soon as I would choose 2 for support, the line was disconnected. 

All I want is my {$220.00} back.
Consumer complaint received 2021-03-08
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Better Mortgage, Inc. (CA)

I initiated a cash out refinance with better Mortgage on XX/XX/XXXX. I was initially told I prequalified and was given a rate table to choose from. I chose to conduct a cash out refinance with XXXX out and at a 3.375 rate. I had an appraisal from a previous refinance the company told me they would use. They then told me they required an appraisal which they conducted at no cost to me. I was told numerous times along the process that my loan was in good standing and would close following receiving the title. The title took months to get back, and came back with a clear title. Finally this week 2 days before my scheduled close with the company I received a call from better telling me they would have to cancel my loan. They told me that it was on the market 6 months prior to initiation of this loan and that was missed by their original underwriting team. This was fully disclosed to them in the documents they had me read and sign for the loan. They told me they could not make an exception and that they could not fund the loan. They suggested I wait a few days ( at which point the 6 month timeline would pass ) and I could apply for a new loan. 

I asked if I applied for a new loan after my 6 month period ended would they honor the cash back and rate they originally locked me in at. They said no, the only concession they could make is {$500.00}. This process has strung me along for months and my family and I have made financial decisions based off the funding of this loan, only to have them try to deny it at the very end. During the time the mistake that their original underwriters made as well as the slow title company, rates have gone up half a point. If the company wants me to apply for a new loan in a few days they should honor what i locked in.
Consumer complaint received 2021-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AR)

Hey guys, My name is XXXX XXXX XXXX XXXX. 
I was going over my credit report and I wanted to get an account validation. 
Im in the process of getting my taxes and things in order and this is just something that I feel needs to be taken care of aswell. 
I am exercising my right to request validation on any debt that is alleged to me. 
In this climate of data breaches and such, I just need to be absolutely sure that none of my data has been compromised and used without my authorization. 
Im basically asking that you provide me with competent evidence that I personally have a legal obligation to pay you and that you are actually who you say that you are as well. 
When your offices provide the proper documentation as requested in the following declaration, I will need about 30 days to investigate this information. During such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Im not looking to have you verify my name and address. Im actually looking for a few specific details and I will go ahead and list them below. TIA
Consumer complaint received 2023-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

There were 2 credit cards opened without my knowledge. This is clearly fraudulent. Listed below are the details of each card. 
XXXX XXXX  Accnt # : XXXX Opened : XX/XX/XXXX Balance : {$4100.00} XXXX XXXX Accnt # : XXXX Opened : XX/XX/XXXX Balance : {$4100.00} Tried to dispute this accounts multiple times but the company did not take action on the dispute I filed. I am attaching my FTC Affidavit to back up my claims.
Consumer complaint received 2021-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Hey guys, My name is XXXX XXXX XXXX XXXX. 
I was going over my credit report and I wanted to get an account validation. 
Im in the process of getting my taxes and things in order and this is just something that I feel needs to be taken care of aswell. 
I am exercising my right to request validation on any debt that is alleged to me. 
In this climate of data breaches and such, I just need to be absolutely sure that none of my data has been compromised and used without my authorization. 
Im basically asking that you provide me with competent evidence that I personally have a legal obligation to pay you and that you are actually who you say that you are as well. 
When your offices provide the proper documentation as requested in the following declaration, I will need about 30 days to investigate this information. During such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Im not looking to have you verify my name and address. Im actually looking for a few specific details and I will go ahead and list them below. TIA
Consumer complaint received 2021-03-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: General Motors Financial Company, Inc. (MT)

declared bankruptzy XX/XX/2019 cace XXXX united states bankruptzy court district of montana. this loan with gm financial was discharged, their is a XXXX balance on the loan, and i am requesting a loan release
Consumer complaint received 2021-03-08
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: WAKEFIELD & ASSOCIATES, INC. (CA)

-Hello I keep disputing with XXXX XXXX XXXX XXXX XXXX XXXX and XXXX inaccurate information reported to my credit reporting. Date of last payment, date of last active and account status is incorrect. Open date is also incorrect. 

-XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have an auto loan from XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late twice. As you can see, I have always had a stellar payment record. I tried contacting XXXX XXXX, TransUnion, and XXXX XXXX with no successful resolution. XXXX XXXX, and TransUnion reporting me 30 days late in XX/XX/2020, and XX/XX/2020. There was an error on their part. I was never 30 days late twice.
Consumer complaint received 2023-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

In the month of XX/XX/2023, I paid the full credit card balance ( previous balance listed on my statement ) prior to my due date and Bank of America still charged me interest on what they referred to as a " Residual Balance ''. When I phoned their customer service department to question this charge, I was told that I would essentially need to overpay my credit card account to avoid purchase finance changes, as they no longer have a grace period for purchases. However, my monthly billing statement states, " PAYING INTEREST - We will not charge interest on Purchases on the next statement if you pay the New Balance Total in full by the Payment Due Date, and you had paid in full by the previous Payment Due Date. We will begin charging interest on Balance Transfers and Cash Advances on the transaction date. '' I told the reps that this language is misleading and deceptive, and there's no way for a consumer to know that it's necessary to call-in to request a pay-off amount in order to pay-off their credit card account, which is what the reps told me -- I should have called in to request a payoff amount opposed to simply paying my previous balance. I have had this credit card for XXXX and when I opened this account, I'm certain a XXXX grace period was included in my T & C and I don't recall received any XXXX  that would state differently. The BOA reps suggested I review my initial disclosures.
Consumer complaint received 2023-05-11
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. (SC)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

To whom it may concern, Since XXXX of last year ( XXXX ) I call Bank of America ( BOA ) and filed a dispute on fraudulent charges on my XXXX XXXX ( XXXX ) credit card. At the same time I was issued a new credit card, in which i never received a replacement card. After telling BOA that the card was never received, they went ahead and sent a 3rd credit card. I was told the dispute will be resolved in probably 3 days. Then my monthly bill came in with the same disputed charges plus late fees and interest charges. Thru months of communication dispute remains unsolved, and i refuse to pay minimum monthly payments at their request as i didn't have a previous balance on this credit card. So now it's beginning of XX/XX/XXXX they sent me a letter stating my claim all has been resolved and I don't have to do anything on my part and I will see the credit on my monthly statement. this is after i filed a police report due to other passed letters received stating all charges were legitimate. Now its XXXX I received my monthly statement stating I still owe all charges plus late & interest charges. My credit score is now compromised, unfortunately I still refuse to pay. I put the blame to BOA cause of their poorly internal communication among themselves. I highly recommend to others to cut ties with this bank, they are unreliable to consumers needs.
Consumer complaint received 2021-03-09
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. (FL)

I keep receiving notices to submit my identification to prove that I am me. I have uploaded my ID and utility bill as well as mailed it in every month. I've called and confirmed my identity. I was informed that my report would be updated after speaking to the representative. The results that I received are stating that I need to provide an identification of who I am again. The response that I am receiving is a generated response. I have mailed in my identification as well as uploaded it.
Consumer complaint received 2021-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am requesting an updated report on my credit file and dispute results from my recent dispute ... 

ACCOUNTS XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX {$3500.00} not mine XXXX XXXX XXXX {$500.00} not mine XXXX XXXX XXXX {$500.00} not mine XXXX XXXX XXXX {$1700.00} not mine INQUIRIES XXXX/XXXX XX/XX/19 unauthorized XXXX XXXX XX/XX/19 unauthorized XXXX XXXX XX/XX/19 unauthorized
Consumer complaint received 2021-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

On or about XXXX, I applied one time for an auto loan with XXXX XXXX XXXX XXXX in XXXX, Oregon using a finance company doing business as XXXX XXXX. On XX/XX/XXXX ( XXXX years later ), XXXX XXXX XXXX based in XXXX, Oregon made at least two unauthorized inquiries known as " hard inquiries '' into my personal credit report by way of at least two credit reporting agencies known as TransUnion and XXXX. Again, these inquiries were done without my permission. I called XXXX XXXX XXXX XXXX, Oregon and spoke to a woman who answered the phone. I told the woman that the company she answered the phone for had no authority or permission to do a hard pull on my credit report. I also requested that the inquiry be withdrawn from the credit bureau record. The woman disagreed with me and went further to say that she believed that ( XXXX XXXX ) could and would perform a hard inquiry once a month with all three credit bureaus until the end of time. I contacted the credit bureaus listed above and their customer support people told me that the only way to dispute the unlawful inquiries was through a form or process through the Federal Trade Commission. The Federal Trade Commission forwarded me to this website.
Consumer complaint received 2021-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (IN)

This may be considered as a double complaint. I have been trying for several years both with my servicer and my attorneys office who processed my bankruptcy to have my mortgage payments report on my credit bureau. I filed in XXXX of XXXX. I was not aware that there were additional steps that should have been taken to be sure my mortgage was reaffirmed. I reached out to my attorney XXXX XXXX, XXXX XXXX XXXX, XXXX, IN XXXX and inquired as to why my payments were no longer being reported on my credit. I have also contacted my servicer XXXX mortgage with no progress from either party. This has caused me great hardship and has effected my ability to refinance my property. Im reaching out for assistance in having the mortgage servicer to report my on time payments. I have not been late on my payment since XXXX. Please investigate.
Consumer complaint received 2021-03-09
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. (MD)

I've advised Transunion of XXXX being a fraudulent account about a month ago, and the account is still on my credit report as being verified accurately. 

I have attached a FTC report to prove this information.
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-03-09
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

It's been more than a month, I have been informing agents that works for Lakeview Loan Servicing that the reports they have on my credit reports is totally wrong. I got this mortgage back in XXXX, XXXX and I have never at once paid them over 30 days late. I will not deny the fact that I have made some payments past the 15 days grace period but never at once paid past 30 days late. They reported me to the credit bureau that I was 12 months late on my mortgage payments, for the whole year of XXXX.. I tried all my level best to let them know that you have the wrong reports on my credit file but they refused to understand my request and deliberately just don't care about my complaint or just trying to ignore what I was telling them. I was reported 12 months late for the entire XXXX, while I did made my mortgage payments that whole year.
Consumer complaint received 2021-03-08
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (AL)

On XX/XX/XXXX I entered into a sales contract with LazBoy Furniture Galleries located at XXXX XXXX XXXX in XXXX, AL.As required, I paid a {$4500.00} deposit. 

My furniture was delivered on XX/XX/XXXX. I became aware of a discrepancy in billing when I received my first statement from Synchrony Bank on XX/XX/XXXX. Later in the day, I contacted Synchrony and filed a dispute. 

On XX/XX/XXXX, I contacted both the local store and the credit card company via fax and provided them with copies of the attached documents. 

Later in the day, the store manger contacted me and stated that he disagreed with my complaint. 
As of today, neither the local store nor Synchrony has resolved my dispute.
Consumer complaint received 2021-03-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ALLY FINANCIAL INC. (MI)

This is update on my ongoing /pending complaint on XX/XX/2021 at XXXXXXXX XXXX - I received a voice message from Ally Executive Customer Relation DeptXXXX  XXXX stating to return her call at XXXX. Call back at XXXX & specifically ask for her. Rep will IM or email to her. 
XX/XX/2021 at XXXX I attempted to return her call and informed Rep about the message left. Spoke with XXXX # XXXX MsXXXX XXXX she transferred to me Different dept. Spoke with XXXX XXXX # DMQ- She transferred to me again & then got disconnected. In otherward, I have not been able to speak with the person who called me.