davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Call took place on XX/XX/2024 @ XXXX est - XXXX est I received a fraud text so I called the fraud department at XXXX Spoke to XXXX ( refused to give me her last name ) She helped me verify my transactions and found that there was one unauthorized transaction so she explained to me that my card will be closed and that a new one will be sent to me. 

I said that is fine but is there any way she can allow me to make an atm withdrawal as I needed cash at that moment and then she can close it right after I make a withdrawal. 

Her exact response was I already closed your card, you shouldve let me know before the card is closed I asked her can you reopen so I can take some cash out? I need money. 

In a very condescending tone, she said theres no way to do that the system wont allow me to do that, you can go to a branch with your ID and take money that way but again, I needed cash now. 

She was not showing any compassion towards my situation at all and the cherry on top was, SHE HUNG UP ON ME! 

I called the same phone number back and got XXXX, or XXXX  and he was able to reopen my card for a minute and I was able to withdraw funds with no issues. 

With customer service skills like XXXX, she belongs at a XXXX XXXX, not dealing with peoples sensitive financial matters. 

This is who you have representing your company. Citizens Bank.
Consumer complaint received 2020-09-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (IL)

I began shopping for a mortgage in XXXX of XXXX  for a closing date of XXXX XXXX, 2020. I applied with two different mortgage companies to negotiate the best rate possible. 
One lender gave me a proposal that only included XXXX591 points. I emailed a copy of this to the Senior  Lender at the other mortgage company and he agreed to give me a credit in the amount of {$1100.00} which was reflected on the XX/XX/2020 Loan Estimate they provided me. 

On Saturday XX/XX/2020 at XXXX XXXX  I received an email with final disclosure and saying I needed to E-sign it to insure my closing date. The Loan Disclosure that came with this request did not have the Lenders Credit of {$1100.00}. I sent several emails to the Banker and the Purchasing Manager asking why the Credit was not included. Sometime on Monday XX/XX/XXXX I was able to get the Purchasing Manager on the phone ; however he said my Banker needed to answer my question and he had taken vacation. I ultimately signed the document and continued to ask questions about the disappearance of the {$1100.00} Credit. I have gotten the run around with no one answering my question. Then yesterday I received an email from the Banker and he said the team that had processed the loan in his absence told him that the Credit had been factored in some other place. I looked closely at the Consolidated Closing Statement and didn't see anything that remotely resembled the credit. When I asked the Banker to show me where on the Closing Statement the Credit had been factored in, I got no response and have not heard from anyone at the Mortgage Company.
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I submitted a dispute with XXXX credit bureau on XX/XX/XXXX for a 30 day past due payment from Capital One. Payment was made before 30 days past due but due to the statement closing early Capital One reported this incorrectly. On XX/XX/ Capital One completed the XXXX dispute acknowledging the error and corrected the 30 Days Past due payment to Current for XX/XX/XXXX  on all three credit bureaus reports. Now Capital One has changed back the status for XXXX to 30 days past due and is refusing to correct the issue once I contacted them over the phone. This seems to have started due to XXXX incorrectly filing an additional dispute in XXXX causing the issue to be re-opened when I never requested them to do so.
Consumer complaint received 2022-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX  Account # XXXX and XXXX XXXX  Account # XXXX 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.
Consumer complaint received 2024-03-22
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. (MA)

To whom it may concern, I recently obtained a copy of my credit report and discovered that you are reporting inaccurate information about me, which is a violation of the Fair Credit Reporting Act ( FCRA ) and requisite METRO2 compliant reporting standards. Specifically, the alleged collections account in question are listed to have different XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$13000.00} XXXX {$13000.00} Equifax {$13000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Equifax XX/XX/XXXX date of last activity been reported incorrectly & has a past due which is another violation FST PREMIER date of last activity been reported incorrectly & has a past due balance Under the FCRA, XXXX have the right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable, and accurate. Therefore, I request that you immediately remove these accounts from my credit report and provide me with an updated report showing your compliance with all METRO2 reporting standards, with these accounts removed upon completion. 

I expect your prompt attention to this matter and confirmation of the removal of this inaccurate information.
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Scratch Services, Inc. (TX)

On XX/XX/XXXX I sent in a death certificate and SSN card to Scratch Services to inform them of my father in laws passing. My late father in law has a loan in the amount of {$82000.00} for a solar system bought through XXXX which was acquired by XXXX recently. The financing goes through a company called XXXX who uses Scratch Services. Scratch Services is the company handling this loan. You cant call XXXX directly you have to use Scratch Services. After sending in the required documents they asked me if I wanted to take over the loan. I said no and they stated they would remove the system. I had no contact until XX/XX/XXXX after sending in the documents they required of my father in laws passing. At that time I was in the process of refinancing my home which I acquired on XX/XX/XXXX. My father in law gave me his house on XX/XX/XXXX with a certified Warranty Deed before his passing with the solar loan still in his name. The solar loan had just started a few months prior to this. My father in law was XXXX XXXX XXXX when they sold him this system with a 25 year loan. Since then I have tried calling, emailing this company several times to remove the system from my property and terminate the UCC Statement filed with the Secretary of State of Texas. When I get a response all I get is senior management is working on it or they are waiting to have a meeting about the account. I have demanded the company to terminate the UCC filing and I get no response. I have had no information communicated to me about this accounts status besides they are working on it. It has been five months of being left on hold for hours and sent to voice mail. I got automated email responses until I filed a XXXX  complaint which the company never responded to and it got closed due to no response. Scratch Services has had 43 negative XXXX complaints in the last 12 months with minimal responses. I need the company to remove the solar system and file a UCC Termination Statement immediately. I can not refinance my home until they get this done and it has been five months with no progress trying to work with them. I sent them another message today stating I would give them XXXX for the system. That is all I can afford. This is putting a financial strain on my family and I need the UCC Termination Statement NOW.
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Bank of America requested my credit information for a credit check in order to qualify for a mortgage. I have not received the results from this credit pull. I asked last week 3 different times to send this information. They never responded to this request and recently asked permission to pull another check because THEY messed up inputting information the first time. How many mystery credit pulls do I need to submit to for a mortgage.
Consumer complaint received 2022-06-03
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)

On XX/XX/XXXX, I contacted TransUnion about the following negative accounts XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX,, Balance : {$980.00} )XXXX XXXX XXXX A ( Date Opened : XXXX XXXX, XXXX Balance : {$940.00} ), XXXX  ( XXXX XXXX XXXX, XXXX, Credit limit {$1500.00} ), XXXX XXXX XXXXXXXX XXXX XXXX Sep. XXXX, XXXX, Credit limit {$500.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2024-02-10
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation (GA)

I opened an account with Bridgecrest in XX/XX/XXXX for a car loan. The car was involved in an accident in XX/XX/XXXX and deemed a total loss. Insurance paid the fair market value for the car on XX/XX/XXXX in the amount of {$27000.00}. Gap insurance paid the remaining balance on XX/XX/XXXX in the amount of {$7400.00} which posted to my account on XX/XX/XXXX. My account was closed with a XXXX balance on XX/XX/XXXX. 

Despite receiving a $ XXXX insurance payout in XXXX, Bridgecrest began reporting my account as delinquent in XXXX. They continued to report my account as delinquent in XXXX and XXXX which was unequivocally false. 

I spoke with the credit reporting department at Bridgecrest several times in XXXX and they assured me that credit reporting would be updated when the account was paid in full. 

So I waited until the Gap claim payment sent to Bridgecrest. I had to call several times between XX/XX/XXXX when the payment was sent to XX/XX/XXXX when the payment finally posted to my account to gather status on when Bridgecrest would post the payment to my account and revise my payment history on my credit file only for the agent to tell me to call back the next day or next week. On XX/XX/XXXX, I was elated to hear that Bridgecrest finally posted the payment and I was transferred to the credit reporting department where that agent was so kind and helpful. She was completely sympathetic to my situation and apologized for the plight that Bridgecrest had taken me through. She advised that the credit reporting would be updated to reflect that my account had never been late for the life of the loan. 

She submitted the correction to the credit reporting agencies and emailed me a copy of the letter. Credit reporting was updated the within a day or 2 days and showed the true state of my account- NEVER late. 

On XX/XX/XXXX, I received a credit alert that I had a late payment reported to my credit file. It was Bridgecrest again reporting my now closed account as XX/XX/XXXX days late. 

I called customer service and they pointed the finger at XXXX saying it was an error on their end and they had not reported the delinquency. So I did my due diligence and called XXXX. They told me that XXXX only reports what is communicated to them ( which has always been my understanding as well ) and that Bridgecrest had reported the delinquency on XX/XX/XXXX. The rep at XXXX graciously filed a dispute since Bridgecrest refused to acknowledge and rectify their error when I called that day. 

I have lost all faith in the ability to handle this issue directly with Bridgecrest. I have never had to call customer service as frequently with any other business in which I am a customer as I have in my short time being a Bridgecrest customer. This is by far the worst customer service experience I have ever dealt with. This company has poor business practices and even poorer customer relation deftness.
Consumer complaint received 2020-10-02
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. (PA)

In XX/XX/2020 ; XXXX XXXX placed my primary residence and an investment property into a CARES ACT COVID-19 Deferral. This was done without my consent or my approval. They would not allow me to make payments while on deferment as I wanted to at least cover the escrow amounts. In XXXX ; I was asked a pivotal question, Did I want to pay back the past due amount or balloon the balance onto the 360th payment. As an investor I took the opportunity to balloon the payment to redirect funds into an investment. I began making payments as of XX/XX/2020 according the normal schedule. XXXX XXXX held their word that the account was never reported late or past due and has that the account is current. The problem is that the remarks and comments section mentions that account is actively in deferral. I can not secure credit from anyone because every lender believes that my mortgages are in an active deferral. XXXX XXXX has responded to my complaints that the lenders are not interpreting the credit report correctly. However, every lender is interpreting the credit report this way. I need this comment removed as I can not secure any credit despite having an XXXX credit score and actively making payments. 

Please note that I am not attaching any documentation because I fundamentally do not have any documentation to attach. I did not complete any forms for the deferral ; I did not receive anything saying I was not in deferral so I have nothing to provide.
Consumer complaint received 2020-09-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (AZ)

I opened a paypal account in early XXXX i rhink and XX/XX/2020 paypal restricted my accojnt for i dont know whag reason I'm assuming it was me transferring funds and receiving funds from my best friend and boyfriend paypal account because they closed my boyfriend account as well. But I made no fraudulent transfers I wasn't selling anything and there were no complaints issued against me from anyone. It's fine that they want to close my account but I have XXXX still in the account that they are insisting on releasing after 180 days which is not fair and extreme bey supposedly hold funds for chargebacks which is impossible in mh case so i don't understand why the are holding my money. I've contacted them ghen several times the latest being XX/XX/2020 and still nothing. There isn't any possible way to speak with a live customer service agent its all via messages Rahat they reply to after 2 days. I've never had such horrible customer service before and I dont know what yo do now I just know I really need mh money im out of options and that 180 day wait is ridiculous.
Consumer complaint received 2023-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-02-10
Product: Mortgage — Manufactured home loan
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: 21ST MORTGAGE CORP. (TX)

The dates are daily and go back for three months. I've been in legal battles with the management of the park my home is in for two years. We've been mostly successful until recently, due to my constutional rights being outright ignored. I've never missed a lot fee nor have I neglected to pay my mortgage in nearly 9 years. I may be late. Especially now that I have to pay a mortgage for a home I can not live I and the rent of the apartment my family currently resides in. The mortgage company representative has called and emailed me daily, sent letters that have threatening language, in spite of me telling him to stop this harassment on multiple occasions. I have given him a date that my mortgage will be paid, that is within reason. He continues to email me, and speak to me in a condescending, disrespectful and unempathetic manner. Given my unique circumstances, his actions are both deplorable and from what I've researched, illegal. If this continues, and I'm sure it will, I plan to seek out and take all that the law allows me to from this company.
Consumer complaint received 2024-02-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: GOLDMAN SACHS BANK USA (CA)

My Apple XXXX card has been compromised for a year. Unauthorized transactions are in different cities, states on the same date and time, in some cases. 

It is tied to my XXXX XXXX bank account. I can prove with both bank statements and Apple statements the discrepancies. 

It's about $ XXXX so far. 

Thanks, XXXX XXXX
Consumer complaint received 2023-06-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (GA)

I have been on a payment plan with credit acceptance for years. I really had no idea how much I was over charged for the car by dealership due to only being able to use credit acceptance. No matter how much I struggle I strive to get ahead of the loan so it does not continue to ruin my credit. While on a payment plan I asked several times for late fees and previous repossession fee be reviewed. My remaining balance is XXXX. Even after putting all my income tax I am still XXXX is past due. I am more than 80 % paid with this loan yet if I ask for the past due to be placed in the balance instead of past due on my credit report I am Told they cant help me and I can not speak with any other department but collections. I have explained and pleaded with them that I am trying to obtain better credit to pay the loan off or refinance but with the past due always reporting it makes my efforts of paying XXXX bi weekly seem like I will continue to fail with this company my initial balance was XXXX and I only have XXXX. Left to pay off which is primarily fee I really feel the past due should be able to be negotiated better than a constant negative impact on my credit for over 5 years. I am spoken to with great disrespect when I call. I am told I can not speak with anyone about loan charges or options to get caught up with past due other than making the biweekly payments. I feel this loan is predatory and I was charged over an estimate of {$10000.00} above XXXX XXXX value of car and the dealership told me it was because or the rules of credit acceptance and my credit worthiness which is just predatory and wrong I am a single mother and I work really hard. I feel as a consumer these types of loans keep consumer like me in a low credit range.
Consumer complaint received 2021-01-07
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: EQUIFAX, INC. (LA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that if failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you cost me. My information was also impacted by the Equifax data breach and may have got into the wrong hands of the wrong person.
Consumer complaint received 2024-02-10
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (IN)

Our mortgage has been transferred to newrez XX/XX/year>, with the exemptions & assessed value the taxes should be based on. For the current tax year our mortgage in {$29.00}. The mortgage company confirmed this as we have filed two other complaints without success because they stated now the tar report reflects differently. 

They one use the full assessed value per their own admission. 

When we attempt to address we don't get a phone call only to lie, when we phone them we get no return call. We need assistance dealing with them. 

Per your request please see attached XXXX XXXX XXXX Tax bill which you state reflects differently than the tar report. It also includes the assessed value. 

We've attempt to reach out to the phone # on the response without any follow up from newrez. They continue to send the same follow up generic response.
Consumer complaint received 2023-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Credit Karma (CA)

Over the last 4 days I have tried to contact credit karma spend account over 30 times because they locked my account for no good reason saying that they were doing it for my protection but they are withholding my money from me and not allowing me to access my money that I worked for even though I've begged and pleaded because I need the money to buy groceries for my kids and I had it set up direct deposit so all of my money went on to the card that they have now Frozen and refuse to unlock. They keep telling me that they have escalated it to another team yet no one contacts me or gives me any answers and just responds with the same automated response. I have even begged them just to close the account and send me a check and they tell me that they can't do that for me either. I am about ready to hire a lawyer and file a claim or class action lawsuit against this company.