davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (NY)

On XX/XX/2020, XXXX XXXX mailed a letter stating that they returned {$3200.00} back to Fedloan to reduce my student debt. I contacted Fedloan and they said it would take sometime, I waited for six months and I did not see my debt reduced. I contacted the Department of Education and they said that there was no check for {$3200.00} however XXXX XXXX said they sought the check and wrote a letter to prove it.
Consumer complaint received 2020-06-16
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. (FL)

MY NAME WAS USE TO GET MEDICAL PROCEDURES DONE ALSO USE FOR A LOAN THAT IS FRAUDULENT IN MY NAME SOMESONE USE MY SOCIAL SECURITY NUMBER ALSO HAS MY PERSONAL INFORMATION I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (IL)

There was a nearly {$3000.00} USD overpayment pending on my Citi credit card for nearly 1.5 months. I requested this be processed and refunded to me on XX/XX/20. After 3 follow up phone calls, I still do not have the refund or any evidence it is pending with my bank, to which we set up the refund to be deposited as an ACH. It is now XX/XX/20, outside the required 7 days for this to have been processed and sent to me.
Consumer complaint received 2020-08-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Exeter Finance, LLC. (GA)

XX/XX/2020, payment of XXXX. Me and a partner have been trying to make a payment when they called and take XXXX each week. Turns out, they haven't been taken out the money from my partners account and now it is 37 days late when we asked to take out XXXX each week. We just paid XXXX today and made sure they actually did it. They kept saying payment received but turns out they never took out any payments.
Consumer complaint received 2020-06-16
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. (AR)

Every time I get a quote for insurance either I was ineligible or it was too high. I would always ask what the reason was for this and I always get told that it could be my credit. I decided to pull my credit and I am extremely shocked on the outcome of the report. The things I have listed on this application are not mine. Please remove these items from my report. XXXX XXXX XXXX {$450.00} CHAPTER XXXX BANKRUPTCY/DISSMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}
Consumer complaint received 2022-09-16
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. (LA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted 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 2020-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AL)

I have wrote Experian on several occasions to remove the inaccurate address off of my profile but they will not remove it. I have sent in verified notarized proof and they still refuse to remove this address from my credit profile. I wrote them in XXXX, XXXX and in XXXX and it is the same old thing. I wrote them XX/XX/2020 and they received my information on XX/XX/2020 and XX/XX/2020 I received dispute alerts saying that my disputes where complete. In seven days they decided to mark my dispute as complete. They just received it so did they even take to proper steps in looking into this situation are did they just decided to do what they wanted and keep the address listed on my file.
Consumer complaint received 2024-02-26
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: Experian Information Solutions Inc. (TX)

I am writing to express my deep dissatisfaction and frustration regarding the numerous unsuccessful attempts to correct the issue of the late opening of my account with [ Company Name ]. Despite multiple communications and efforts on my part to rectify this matter, it remains unresolved, causing significant inconvenience and dissatisfaction. 

As a loyal customer, I expected a higher level of service and efficiency from your organization. However, the prolonged delay in addressing the late opening of my account has not only inconvenienced me but has also hindered my ability to conduct my financial affairs smoothly. 

I have made several attempts to resolve this issue by contacting your customer service department, providing the necessary documentation, and following up diligently. Regrettably, these efforts have not yielded a satisfactory resolution, and the issue persists. 

I urge you to prioritize this matter and take immediate and decisive action to rectify the late opening of my account. Timely resolution is essential to restoring my confidence in your company and ensuring a positive customer experience. 

Furthermore, I request transparent communication throughout the resolution process, including regular updates on the progress of the investigation and the actions being taken to address this issue. 

Please understand that further delay or negligence in addressing this complaint will compel me to explore alternative options, including escalating this matter to higher authorities and seeking legal recourse. I am asking for your assisstance to correct this account in my credit file : XXXX XXXX XXXX XXXX Balance : {$2700.00}.
Consumer complaint received 2023-06-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

In early XXXX, I attended a protest of the XXXX XXXX ' police training facility in XXXX , GA . I was XXXX along with 22 other concert goers and held in XXXX XXXX XXXX for almost 4 weeks, despite not being formally charged with any crime. Upon returning home I received notices from Bank of America that my checking, savings, and two credit card accounts had been suddenly closed. I was able to transfer my checking and savings accounts to a new bank, but I struggled for several months to obtain a new credit card due to the impact this cancellation has had on my credit score. Upon meeting with my local bank manager ( XXXX XXXX ) on Monday XX/XX/XXXX and calling BofA to seek additional information about why my accounts were closed, I was not given any additional information. The BofA representative I spoken with on the phone maintained that BofA has a right to close accounts at any time without giving a reason. The bank manager I met with in-person reviewed my bank accounts and said that she could not see any evidence of fraudulent activity from my accounts. Given the fact that there is no evident fraudulent activity in my accounts, I have strong reason to believe that these sudden account closures are indeed related to my political and legal situation. I understand that BofA is a financial supporter of the XXXX XXXX ' police training facility, so I am concerned that BofA is using its power as a financial institution to punish protestors and suppress the right of free speech by penalizing customers who speak out against a project it supports financially. Without additional information, I also can not tell whether BofA identified me through public media surrounding this case or through collaboration with police. In the meantime since my in-person meeting with the bank on XX/XX/XXXX, I have contacted my local representatives, who independently reached out to Bank of America . As a result of this exchange, Bank of America issued me a final letter ( addressed by XXXX XXXX ) on XX/XX/XXXX reiterating their decision and refusing to provide additional reasons for the closure of my accounts. I also filed a complaint with the OCC, and received a reply that my complaint does not fall under their jurisdiction. On XX/XX/2023, my savings and checking accounts were closed, and on XX/XX/2023 cashiers checks were mailed to me with remaining balances in those accounts. Similar issues with Bank of America and XXXX XXXX ( both of which are corporate funders of the police facility ) have been documented for at least two other defendants in this case. I am submitting a complaint individually because the sudden and inexplicable account cancellations have negatively impacted my credit, and they seem to be a targeted attempt to inflict financial damage to citizens exercising their right to protest.
Consumer complaint received 2022-10-28
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (FL)

I've had the Amex XXXX Card account for about XXXX years. 
I have my Social Security check direct deposit with Amex XXXXAmerican Express XXXX XXXX XXXX 
I am being charged XXXX  through an in-network ATM for an invalid PIN and or ATM Decline. 
I was not advised of such a penalty when establishing this account. 
I am requesting a {$36.00} refund. 
XXXX XXXX XXXX XXXX XXXX was used on these transactions.
Consumer complaint received 2020-08-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (MA)

for the past three months my mortgage company selene finance has misrepresented my payment history on my monthly mortgage statement, showing an unpaid balance for the month of XXXX, XXXX, and XXXX and applying my mortgage payment to an Unapplied balance account instead of properly applying them to my mortgage payment account
Consumer complaint received 2020-06-16
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TrueAccord Corp. (FL)

According to TrueAccord " On XX/XX/2020, TrueAccord sent XXXX XXXX verification documents. We have unsubscribed XXXX XXXX from receiving TrueAccord emails. She will not receive any further emails regarding this account. XXXX will mail XXXX XXXX any requested documents moving forward. As XXXX XXXX has already received the verification documents, she may call our office at XXXX or visit our website to take any further steps regarding her account. '' THE ONLY COMMUNICATION RECEIVED FROM THIS COMPANY HAS BEEN VIA EMAIL ( XX/XX/2020 XXXX. I HAVE EXPLICITLY REQUESTED FOR THEM TO STOP CONTACTING ME VIA EMAIL. I HAVE NOT RECEIVED ANY DOCUMENTS VIA POSTAL MAIL. ANY DOCUMENTS THAT HAVE BEEN SET VIA EMAIL OR ELECTRONIC COMMUNICATION HAVE NOT BEEN RECEIVED AS THEY VIOLATE MY WRITTEN REQUEST TO CEASE ALL FORM OF COMMUNICATION OTHER THAN POSTAL MAIL. AS OF TODAY XXXX/XXXX/202 I HAVE NOT RECEIVED ANY DOCUMENTS VALIDATING THIS DEBT.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX allegedly purchased a contract that i previously had with an auto dealer they refused to send proof of purchase and refused to show anything to show they owned it and the dealer lied about who they were originally, i never gave THEM my ssn, I have no idea how midatlantic got it ans because of the amount of money the dealership charged me they didnt need my social nor was reporting to the credit bureau prior to midatlantic purchases the account so this us identity theft and disclosure of my information to a 3rd party which is AGAINST LAW 31USC SS 3123,
Consumer complaint received 2020-08-07
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (CO)

We purchased a home in XX/XX/XXXX. The mortgage company was Lakeview Loan Servicing , LLC ( subservicing by XXXX ). We later refinanced with the same company to get a lower interest rate. We signed all the closed on XX/XX/XXXX, and began paying on our newly refinanced mortgage shortly thereafter. After several issues with billing ( incorrect amounts, unexplained late fees, misapplied escrow funds ), we decided to refinance with a completely different company just to get away from Lakeview/XXXX. We started that process in early XX/XX/XXXX. During the application, my new lender informed me there was no Record Release filed when the other loan closed on XX/XX/XXXX. It was suspected Lakeview/XXXX did not file the paperwork properly. This meant we could not continue with the refinancing until that document was filed. I called Lakeview/XXXX  on XX/XX/XXXX, to request a copy. I was given an internal email address and told to expect a response within 24 hours. I immediately emailed them and received an automated response with a ticket number. waited 48 hours with no response. I emailed them for a follow up. I received another automated response with a different ticket number. I called Lakeview/XXXX on XX/XX/XXXX, to get an update. They had no record of my emails. They said they had the file, would make an investigation request, then get back to me within 3 business days. After 5 business days with no response, I called again and requested a supervisor. The supervisor said there was no indication that Lakeview/XXXX   " sent the paperwork and the check to the county. '' So, technically, the loan was never properly closed by Lakeview/XXXX  back in XX/XX/XXXX. They said they would investigate and close it by XX/XX/XXXX. It was supposed to be filed no later than 60 days after signatures. That created a big problem for us because the rate lock for our refinance expires on XX/XX/XXXX. If the new mortgage company does not receive all the paperwork by XX/XX/XXXX, we will have to pay to get the rate lock extended, because Lakeview/XXXX failed to comply with the law and file the necessary paperwork and fees within 60 days of signature. We believe they should be held accountable for non-compliance with the 60 day filing rule and they should also be responsible for any extension fees we have to pay to extend our rate lock. We highly believe that, had we not decided to refinance with another company, Lakeview/XXXX still would not have processed the required documents and it would have been a complete mess when we decide to sell this property in the future.
Consumer complaint received 2020-06-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (IL)

Hello, Multiple attempts have been made to resolve an issue regarding the escrow on the account and the forced insurance that would be placed resulting in an adjustment ( more money monthly ) in the payment. Since XX/XX/2020, documents regarding insurance information was faxed by myself, the homeowners association and the insurance provider. A letter was received from Shellpoint stating the issue was resolved as of XX/XX/2020. Fast forward to XX/XX/2020, the insurance placed on the escrow account was added resulting in an additional {$37.00} per month. Calls to Shellpoint seem to go unresolved with the latest XX/XX/2020 with a XXXX XXXX, XX/XX/2020 a XXXX and the last one with a XXXX XXXX XX/XX/2020. 

All customer representatives have apologized and have given various responses to why things have not resolved all conflicting the last representatives information. The last call I was informed things did not escalate however a payment can be made over the phone and Shellpoint could manually place the previous payment back on the account. If more information needed/required, please advise. 

Thanks, XXXX XXXX
Consumer complaint received 2020-08-07
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)

On XX/XX/XXXX I booked a Hotel in XXXX for XXXX XXXX. On XX/XX/XXXX & XXXX of XXXX I attempted to reach XXXX through their online portal and was told I could not speak to a representative because my travel was more than 3 days away. On XX/XX/XXXX I contact my bank to start a dispute. The bank issued a temporary refund to my account. As i had only received a temporary refund, on XX/XX/XXXX & XXXX, I attempted to take measures to recoup some of my held funds through a price guarantee with XXXX, both being denied. Due to the temporary refund XXXX cancelled my reservation on XX/XX/XXXX. Then on XX/XX/XXXX my credit card company completed and posted payment for the reservation, charging me in full.
Consumer complaint received 2020-08-07
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I reached out to Experian several times letting them know that there was unauthorized inquiries on my credit XXXX in a XXXX XXXX Experian business credit I also have a theft report number XXXX XXXX XXXX
Consumer complaint received 2020-06-16
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. (FL)

I contacted XXXX XXXX because all three credit bureaus, Equifax, XXXX  and XXXX deleted the XXXX  XXXX account. I received an alert today. When I spoke to the bureaus informing them that they deleted the creditor which I paid the account to a XXXX  balance, which by deleting the account it decreased my credit score. The 3 bureaus indicated that XXXX XXXX deleted the account and they are the ones who have to reinsert the account back to the 3 bureaus. I had previously discussed this issue with XXXX XXXX because the account was showing deleted from XXXX, I received an alert about the deletion. Well, instead of reinserting the paid credit card account, it was deleted from all 3 credit bureaus. I called XXXX XXXX today XX/XX/20 after speaking with the bureaus and explained to the representative that according to the 3 bureaus that they, XXXX XXXX had deleted the account from the bureaus and they stated that XXXX XXXX had to reinsert. She didnt comprehend what I was stating, therefore I requested to speak with a supervisor. She connected me to an individual by the name of XXXX, who was extremely rude and unprofessional and he did not have a clue whatsoever in regards to what he was talking about. Hes telling me that the account was deleted from the credit reports because of Corvid 19. I stated to him, that had nothing to do with my account. I paid the account months before the Coronavirus and the account reflected a XXXX balance. I tried to explain to him that the only thing could have possibly been inserted on the credit reports in general was that it was perhaps a notation of a major disaster, and not reporting late payments for 90 days. I tried to tell him that isnt what was going on in my case. I tried to tell him the account was paid out before the coronavirus and there was no need for my account to be deleted and he again said that is why it was deleted. This XXXX character, from XXXX, FL, kept cutting me off, telling me to wait, informing me I dont know what Im talking about, when I was merely trying to explain what transpired. I got upset and raised my voice and informed him, he was no help, extremely unprofessional, hes extremely rude, clueless and I would like to speak to someone else. He refused & nastily said, he could not help me. He needs to be terminated.
Consumer complaint received 2022-09-16
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
1

5 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 a account without my written instructions
Consumer complaint received 2020-08-07
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. (FL)

CONTACTED CREDIT REPORTING AGENCY ABOUT INCORRECT ITEMS REPORTED ON MY REPORT AND CREDIT AGENCY INFORMS ME THAT ACCOUNT WERE REAL AND VERIFY WITHOUT PROVIDING ANY PROOF OF HOW THEY CAME UP WITH THIS CONCLUSION