davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-12
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc (FL)

I accidentally opened an account with affirm.com online. My purpose was to get a credit quote, not open an account. To my surprise, when accessing my email, I found theyd opened an account in my name. I logged in to their website to close the account. The chat system would not let me close the account. I then called the designated telephone number for a live operator to close the account. I was kept on hold for over 90 minutes with their recording advising of unusually high call volume. 

They intentionally give no way to close the account and in my opinion, discourage me from doing so with extraordinarily high wait times. I do not want the account open, have no outstanding balance with them
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-04-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (AR)

XXXX dollars were taken out by us bank with no authorization for the funds to be transferred into another account. 
Us bank is now telling me that it will take 10 business days for them to review my dispute and determine whether or not I will get my funds back.

This is totally unacceptable, they pulled the funds without authorization and now I have to wait to get my funds back. Where I come from that is theft...
Consumer complaint received 2022-01-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (PA)

I was on a covid forebearance plan and at the end I applied for the differnt options available. After submitting the paperwork at least 3 times I received a letter stating that we qualified for the Covid-19 XXXX XXXX  recovery  advance combo. I received a letter on XX/XX/XXXX making me aware that the payment amount would be $ XXXX Principal and interest {$330.00} Escrow Interest rate 3.100 % I contacted XXXX XXXX on ( there were other dates but I would need to contact my cell company for the info ) XXXX to determine status of my application for relief. I was advised in processing XXXX to determine status of my application for relief. I was advised in processing XXXX Called regarding the letter advising that I qualified for the mortgage recovery combo and to find out what that was. I was told that I would receive paperwork soon that needed to be completed and notarized. Payments would start in XXXX. I asked if I should resume payments and was advised that XXXX and XXXX were already included in the modification paperwork. 
XXXX I contacted because I never the received the paperwork. I was told not to worry and that it would be coming soon. Payment would be {$800.00} starting in XXXX XXXX I contacted because I received a notice that my loan was transferred and the payment would be over {$1000.00}. I spoke to a supervisor at XXXX XXXX  that advised me that although the loan would be transferred it would not be done until I completed the paperwork. I would told it would be sent via fed ex and I would receive a tracking number. Once my husband and I sign all documents and get them notarized ( I was even told a notary would come to my house to do this! ) my loan would go to XXXX XXXX with the same terms. 
XXXX Supervisor from XXXX called me back and advised the loan was transferred and that they didn't have the new payment information. I requested that the previous calls all be pulled and that I be contacted back. I never received another call. 

On multiple occasions I expressed to XXXX XXXX  my concerns on losing my home. I was told over and over not to worry and it wouldn't happen. 

Today I received a notice from XXXX XXXX advising that my loan is due on XX/XX/XXXX in the amount of {$22000.00}. I left a message for this company but did not receive a callback. 

I do have the supporting documentation that can be sent if needed. XXXX did not follow through with the forbearance terms that were set and I am concerned that I will lose my home.
Consumer complaint received 2018-05-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

My loan allows a prepayment of 20 % per year without penalty. In XX/XX/XXXX of this year I contacted the mortgage servicing company, Shellpoint to clarify the exact amount of prepayment within the 20 % margin. The phone rep said she would forward the request and I would get an answer within a week. Several weeks passed with no contact. Then in earlyXX/XX/XXXX I called again and the rep recommended I just make the request on line. So on XX/XX/XXXX I accessed the Shellpoint website and requested the prepayment amount on the loan. A week later someone forwarded me a copy of several pages of the original loan that cover the 20 % prepayment allowance ( attached ) but again no dollar amount was provided. The next day I called again to request a specific dollar amount and again the rep said they would forward the request. Several weeks passed again with no contact. I called again on XX/XX/XXXX and this time I wrote the rep 's name ( XXXX ) who also promised to submit the request. She said I should get the dollar amount within 5-7 days. After no follow up contact I called one final time and spoke to XXXX who said she would pass the concern to her supervisor named XXXX. I have not been contacted since. This is ridiculous and unacceptable. Just asking for 1 simple dollar figure and nothing more.
Consumer complaint received 2022-01-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Recovery Service Incorporated (KY)

I was a victim of identity theft and my consumer rights are being violated. XXXX XXXX and American Recovery Services Inc ( ARSI ), are attempting to collect an alleged debt that I do not owe. I have provided XXXX XXXX with the FTC Identity Theft report and have sent them more than enough proof to relieve me of this alleged fraudulent debt. I have attached the documents. It is unlawful that these organizations are colluding together to take advantage of me and attempt to collect this alleged debt which I have informed them multiple times that I do not owe them any money. They are also ruining my general reputation by reporting these fraudulent accounts that are not mine to the credit reporting agencies. The are committing deflation of character against me. I need support and I am going to be forced to take legal action if I do not get help. These big companies are harassing me and abusing their power! I will not back down, please help me. My consumer rights are being violated according to the FCRA and FDCPA
Consumer complaint received 2022-01-28
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: Bread Financial Holdings, Inc. (CA)

XX/XX/2020- XX/XX/2020XXXX XXXX  and XXXX XXXX XXXX XXXX  both companies run by Comenity Bank reported late payments on all three reporting agencies. I was on a payment plan during that time because I was laid off work because of XXXX. I made my payments and they still reported late. I have sent several letters to XXXX, XXXX, XXXX sending my canceled checks and letters from XXXX and XXXX that I was on a payment plan and they are refusing to delete that wrong information. In the dispute section I can see the result of their investigation but the item remain the same even though I have proof of the mistake. The other one is XXXX XXXX that account was designated to my ex-husband by a judge for him to pay ( i have documented proof of judgement ) I paid the account and they XXXX keeps reporting it as not paid. XXXX, XXXX, and experian wont delete or change the information and I have a letter from XXXX XXXX stating that I paid in full.
Consumer complaint received 2022-01-28
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. (CA)

XX/XX/2020- XX/XX/2020. XXXX  and XXXX XXXX XXXX XXXX both companies run by XXXX Bank reported late payments on all three reporting agencies. I was on a payment plan during that time because I was laid off work because of COVID-19. I made my payments and they still reported late. I have sent several letters to XXXX, Equifax, XXXX sending my canceled checks and letters from XXXX and XXXX that I was on a payment plan and they are refusing to delete that wrong information. In the dispute section I can see the result of their investigation but the item remain the same even though I have proof of the mistake. The other one is XXXX XXXX that account was designated to my ex-husband by a judge for him to pay ( i have documented proof of judgement ) I paid the account and they Jewelers keeps reporting it as not paid. XXXX, equifax, and XXXX  wont delete or change the information and I have a letter from XXXX XXXX stating that I paid in full.
Consumer complaint received 2022-01-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (OR)

Follow up to XXXX : The Servicer appears to be in violation of XXXX XXXX as the annual escrow analysis offered an option for a lump sum payment as one method of curing the deficiency in the escrow account. See the CFPB Supervisory Highlights XXXX of XX/XX/2020 regarding mortgage servicing. Attached you will find a picture of my statement.
Consumer complaint received 2022-04-12
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. (NC)

In accordance to the Fair Credit Reporting Act XXXX account XXXX XXXX XXXX acct # XXXX, XXXX XXXX  acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # 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 also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2022-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

Still have one fraudulent hard inquires on my frozen credit made by XXXX and no other details. 
The company jumped from " In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. '' straight to " We hope this resolves your concerns. '' without any mention of resolution. Is that the work of a robot or incompetent employee? Anyways, 2 out of 3 fraudulent hard inquires on my frozen credit have been removed. The left the most vague one which is XXXX. Don't know what bank that is or how to contact them.
Consumer complaint received 2023-11-30
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (WI)

On XX/XX/2023 I was approved for a Citi credit card with a {$5900.00} credit limit. They asked for the card I wanted to transfer the balance from. I additionally put my mailing address in my application as well as physical address. They have no record of them offering me the promotional balance transfer, or the mailing address I entered. They lost my card in the mail and then gave to recourse for their predatory lending practices. I believe Citi should be fined for predatory lending practices because I did not want a credit card without the promotion. They has damaged my credit, it has forced me to pay interest on the other card that I should not have had to and caused unnecessary stress to me and my family.
Consumer complaint received 2022-01-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

The credit bureaus are reporting unvalidated fraudulent collection accounts on my report I've reached out to the companies they have failed to validate account I've disputed it with all 3 bureaus they are somehow verifying the debt as accurate. The debt is under a fraudulent name I provided proof of identity the bureaus refuse to update my report
Consumer complaint received 2022-01-28
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: Mercedes Benz Financial Services (IL)

I am submitting this XXXX XXXX without any influence and this not a third party I Contacted company Mercedes-Benz about an auto loan showing in my name that is fraudulent. I tried calling them 23 times and I believe im blocked now I did not open this auto loan. Auto loan agency stated I needed a police report, my signature on a piece of paper five times, copy of social security card and drivers license. I dont feel comfortable sending a copy of the last three items in that list. I sent them instead my FTC report along with only a copy of my drivers license and a personal social security number to compare against on my drivers license address. Mercedes-Benz is based out of XXXX, MD according to the website and this loan was opened in XXXX, MD they informed me when I live in Illinois. These dont add up and should have been a red flag when it tried to be opened. I also had a credit freeze through XXXX and XXXX at the time this was opened and they still opened the account.this the account number ( XXXX ) that appears on my credit report balance {$42000.00} please help me PLEASE
Consumer complaint received 2022-04-12
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. (PA)

I submitted a dispute with the XXXX credit breuaes and I was no given a formal investigation or a response for the accounts I disputed! XXXX sent me a letter that had nothing to do with the disputes claiming it was someone else.
Consumer complaint received 2021-05-18
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)

On XX/XX/2021 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 a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-05-18
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 ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be l have not been able to get help from them for months but I just remembered I could file a report on here as 1 tool they are not doing their job properly and it is effecting me a great deal as used PayPal quite frequently My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2018-05-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (TX)

I talked with a representative for XXXX XXXX for my XXXX Store card and I was told I had to make equal payments on three phone purchases I made which made my minimum payment {$100.00}. I tried to dispute with them to lower the amount to {$51.00} as I been paying way over the minumum payment requirement to cover the phone purchase that had a balance of {$810.00}. The representative told me that I had the option to see the purchases, and the current balances on them and that I had the option to allocate the payments. This is incorrect, my billing statement and my account online does not have any of those balances visible, and no allocation options like my other cards from this provider. My XXXX store card let 's me see these balances and allows me to allocate but not the XXXX store one. I find this unfair as I have the dates of payments where I paid higher then the mentioned {$100.00} and payments that occurred twice in the same month.
Consumer complaint received 2022-01-28
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 — Problem with personal statement of dispute
Company: CITIBANK, N.A. (NY)

I am disputing the multiple late charges that appear on my credit report. Infractions were no fault of my own. These were all consequences as a result of the coronavirus. I made every attempt to pay my debts on time, but the odds were against me. I always kept my accounts in good standing. If you view my payment history, you will discover that I was never late. As a result of the pandemic, My company where I was employed down sized. And as a result of that, my hours changed from full time to part time. This went on for almost a year. I had exhausted all of my savings just to survive. I was behind in my rent constantly. Almost lost my apartment twice. Fortunately, my landlord understood and was very lenient with me. He was struggling also with other tenants. I gave him what little I could spare, but that's all I could do. This was the worse predicament I've ever been in. This virus was affecting millions. I'm sure some of you felt the effects of it. If you didn't, you were just one of the lucky ones. I did not know what my next move would be. I literally prayed which is something I did not do a lot of before. Fortunately, after a year, I got my regular working schedule back. Now I'm just trying to put the pieces back together.I know I have a long way to go.
Consumer complaint received 2021-05-14
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: Experian Information Solutions Inc. (MI)

I have disputed erroneous accounts with Experian and XXXX  for many months without any responses sent back to me from the credit bureaus. The accounts listed in the attached file should be removed as the credit bureaus have violated the Fair Credit Reporting Act. I have attached the most recent letters sent and have provided the certified mail receipt numbers as evidence to the credit bureaus receiving my letters. 

Certified Mail Receipt Numbers XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Experian
Consumer complaint received 2022-04-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC. (WA)

Exter financial after I contacted them about a XXXX problem in my XXXX XXXX XXXX all they did was kept placing me on hold and phone space! I research recalls on that year XXXX  after I was driving and my XXXX would not steer brake when I was coming up to a turn and stlop light at the end of XXXX XXXX XXXX .I went head on into rush hour traffic and hit a XXXX XXXX truck the driver stated to the officer he was wrenching on the steering wheel and XXXX XXXX standing up to get the truck to brake and his face told it all he looked scared and his eyes where big as saucers. I did not get a ticket but I reported it to exter financial and they just blew me off came took the vehicle and still charging me the whole loan after it being repossessed volunteering this is very unprofessional and wrong... XXXX XXXX XXXX
Consumer complaint received 2018-05-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF THE WEST (CA)

I have an RV loan with Bank of the West, and for 10 years I've been trying to get them to send a monthly statement to me, but each time I call they say " they are working on getting monthly statements set-up ''. I do not receive any statements from them at all. I have to put a reminder each month on my calendar to remember to pay - - I never know if they receive it, if I've incurred any credits/ late charges/ or how much I still owe. They encourage me to call them each month 10 days after I've sent my payment to make sure it has been credited, and then they can give me any information I need. This is not an easy task each month as the average call waiting time is 45 mins.. They do have on-line banking, but they blocked my account from accessing my own statements because of a bankruptcy that I had 11 years ago. I feel Bank of the West denying me my own account information ( expect by calling in ) and not providing me monthly statements unlawful. I'm unable to provide any documentation due to never receiving any????