davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (NJ)

In case it matters, my mortgage is secured by XXXX. In the summer of XXXX, I took advantage of the XXXX XXXX mortgage payment forbearance. At least four times over the past 18 months, during the forebearance, I reached out to Rocket Mortgage to confirm that, since XXXX secures my loan, the " partial deferral '' option would be available at the end of the forbearance, where the total amount of the unpaid principal and interest payments is added to the loan balance, and becomes due either when the loan is paid off, or when the house is sold. I was very specific that I wanted to confirm that the deferral would be an option, not 'might ' be an option, and Rocket was equally specific in confirming this. I recorded all of these conversations. I even reached out to XXXX XXXX to confirm this, and they likewise confirmed that the deferral would be an option rather than 'might ' be an option. However, XXXX days ago I logged onto my Rocket account, and the only option they are offering me is a loan modification that doubles the term of my loan from 20 years to 40 years, and increases the total amount of payments by more than {$300000.00} over the life of the loan. I took another look at the XXXX XXXX website, specifically at XXXX XXXX XXXX, which seems to confirm that Rocket is failing to provide the required " partial deferral '' option. I called Rocket, and they said that they only allow the deferral if the consumer only uses 17 months of forbearance, not when they use the full 18 months of forbearance. I can't find any information online that supports this. I just want to begin paying my mortgage again on XX/XX/XXXX under the partial deferral plan. thanks for your help.
Consumer complaint received 2021-11-30
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

Toyota Financial Services has an auto draft option that I have set up on their website. My last payment on the invoice was {$660.00}. Toyota Financial Services draw drafted incorrect amount of {$660.00}. Therefore, there was an overpayment of {$0.00}. I understand that it is a small amount but that is still my hard earned money. At the same time, it is their system 's fault that it drafted the incorrect amount. I contacted their help support XXXX times and in their latest response, they stated that because the money is less than {$1.00}, they refuse to send a refund check. If this is the case, this is not a good practice. If they have a system issue and decided to OVER draft millions of customers. 
XXXX XXXX or any small amount less than {$1.00}. If they overdrafted XXXX XXXX customers, that is potentially up to $ XXXX they are KEEPING because they refuse to send a refund check for less than {$1.00}. That doesn't sound right to me. They should FIX their system OR refund every penny they INCORRECTLY drafted from customers like myself.
Consumer complaint received 2021-11-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (TX)

My loan was transferred to UWM loan servicing. There was a problem with the first payment being processed between the servicer and my bank. The servicer never contacted me by email or phone. When I went to make the following payment I realized the payment wasn't processed correctly. I then made XXXX payments at once to get the account satisfactory. Under the law I'm granted a 60 day grace period from being reported late or incurring any late fees. UWM continually reports me 30 days past due to the credit bureaus. They refuse to update my account to current with no late pays. I have made several attempts to work with UWM servicing to get this rectified. Please work with them to get my payment history reported correctly.
Consumer complaint received 2022-01-15
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)

I went to check my credit as I always do because Im in the middle of purchasing a home I am a first time home buyer. When I check my credit I found out that my credit score have been lowered by XXXX  points on all of the credit companies. I then reached out to the lender that I was working with and she explain to me how to handle it. I called the federal student loan company to tell what had happened he informed me that the federal student loan has a right to close my account and transfer it to someone else. I told him I understood that however the Fed student loan company did note it in my credit report. Neither did they note that when they closed my account that my account was in good standings and it was of no fault of me as the consumer that my federal student loan account was closed. Nor did I have anything to do with it, as a matter of fact I did not even know until I went to pay my monthly payment and it was rejected.
Consumer complaint received 2021-11-30
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: MUFG AMERICAS HOLDINGS CORPORATION (NV)

Hello. I was notified by mail in XXXX of possible fraud charges. Called and there were XXXX fraud charges to the same vendor XXXX. Reported all charges as fraud. 

It is now the end of XXXX ( the XXXX ) and they have not resolved these. The voicemail for the person I was informed to follow through with is XXXX at XXXX x XXXX. Her voicemail says they are experiencing higher than normal volume. The same or similar message was there in XXXX. 

Files of available statements attached showing fraud charges, finance charges, and prior balance of XXXX. 

Thank you for your time and attention.
Consumer complaint received 2021-11-30
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Finance of America Holdings LLC (LA)

Finance of America Reverse, Loss Draft Department continues to hold my insurance disaster claim check in the amount of {$11000.00} without cause for well over 30 days and never processed an initial dispersement for my home to get repair. Finance of Am have already confirmed receipt of check on XX/XX/XXXX and that no other info is needed. They have continuously informed me that they will process the funds to me each time I called and as of date no receipt of funds. I called on XX/XX/XXXX for status, XXXX XXXX stated Finance Of America notes in file receipt of check on XX/XX/XXXX as requested and contract, receipts, and invoices of contractors was also received and confirmed by Finance of America and no other info needed for initial dispersement. I called again XXXX, funds, not processed, again on XXXX, XXXX XXXX ( Rep ), funds not processed but stated she was sending urgent message to Processor to release funds; called again on XX/XX/XXXX, XXXX XXXX who again confirmed no other info needed and again stated he will send urgent request for release of funds. Because of their continuous neglect and disregard of devastation of damages, I had to borrow and use my own limited funds to get my entire roof replaced as I have rained in damage to my home. My ceiling is sloped and cracked from rain in and Finance of America have been notified over and over again. I am a XXXX XXXX on XXXX and need the funds ASAP. Damages to my home is still progressing to worst results and I have no more personal funds to get these repairs completed and I should not have to when Finance Of America is holding my money or worst have stolen my insurance disaster funds. Please help.
Consumer complaint received 2021-10-26
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/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-08-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

XXXX Charged me {$1000.00} on XX/XX/2022 and this was not an authorized charge. I called XXXX and they said " Sorry, we can't do anything about this charge. I filed a dispute with my bank after this.
Consumer complaint received 2022-01-15
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. (PA)

I went to check my credit as I always do because Im in the middle of purchasing a home I am a first time home buyer. When I check my credit I found out that my credit score have been lowered by XXXX points on all of the credit companies. I then reached out to the lender that I was working with and she explain to me how to handle it. I called the federal student loan company to tell what had happened he informed me that the federal student loan has a right to close my account and transfer it to someone else. I told him I understood that however the Fed student loan company did note it in my credit report. Neither did they note that when they closed my account that my account was in good standings and it was of no fault of me as the consumer that my federal student loan account was closed. Nor did I have anything to do with it, as a matter of fact I did not even know until I went to pay my monthly payment and it was rejected.
Consumer complaint received 2023-03-16
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (MD)

I paid off my Lane Bryans credit card on XX/XX/XXXX2022. I paid the statement balance prior to the due date. Since the card was fully paid off and not being used, I didnt expect any further charges. 
XX/XX/XXXX, XX/XX/XXXX, XXXX/XXXX/22, XX/XX/XXXX22, XX/XX/XXXX22 I was charged with a minimum interest fee of {$2.00}. Why would I get charged interest on an account that is paid off?!?! 

Additionally, they then started assessing late fees. I never received a single statement via email or US mail telling me that I still had a balance. I tried to speak with Comenity, however they claim their fee is lawful. I had a perfect payment history on my credit report and now this has been sullied over an unreasonable and possibly illegal fee. 

I have other store cards with Comenity, and I have paid off this card as well in the past and I have never been charged a minimum interest fee after the card has been paid off.
Consumer complaint received 2023-01-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (NC)

I attempted to have money taken directly out of my checking account by using routing and account number for XXXX which I had more than requested, to make an online purchase, and the bank declined my charge. 

I then contacted the bank asking why it was declined and requested that my debit card limit be raised to XXXX so that I can complete a purchase of a sale item, and was told no. I questioned why I do not have access to the requested amount, even though my balance had more than what was being requested. I was told that I would have to speak a certain department requesting access to that much money, and their decision could take days. Which, would cause me to miss the sale and pay a higher price for the same item. 

I am not asking for credit line increase, I am asking to be able to use the funds that are showing available in my account and am being denied.
Consumer complaint received 2021-07-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Equitable Acceptance Corp (GA)

2020 company has reported negative information, thus damaging my credit report. I previously reached out to company to inform them that I do not owe any debt and any attempt to collect a debt from me or damage my report would be fraudulent in nature and according to the FDCPA I am the consumer pursuant 15 USC 1692, and I do NOT owe any debt. According to the Truth In Lending Act ( TILA ) pursuant 15 USC 1602 ( l ) a " credit card '' is defined & the " social security card '' is validated as a " credit card '' I have never provided my social security number or card for any line of credit from this company, and even if I did, I am an administer agent pursuant 15 USC 1602 and upon the request of the Social Security Administration I am to immediately return the Social Security Card, therefore I do NOT owe any debt attached to the card pursuant 18 USC 8. This company has refused to validate any debt owed by investigating family, associates, and/or neighbors pursuant 15 USC 1681 ( a-e ).
Consumer complaint received 2021-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a checking account with the Bank of America. My name is XXXX XXXX and my address is XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 

The Bank of America cleared a check against my account with the name on the check XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, CA XXXX with the check dated XXXX for $ XXXX cents. The check ( copy attached ) looks fake, is fake but has my checking account at the bottom. 

I reported the check as fraud to the Bank of America but they decline to refund the amount to my account. While their argument is that I was over the time limit to report the fraud, seperate from this the law is clear, in the case of negligence by the Bank ( which this clearly is ) the Bank is responsible and the state of limitations for fraud in California is 3 years.
Consumer complaint received 2021-06-23
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. (TN)

Identity theft has happened to me. These charges mentioned in the Identity theft report were not supposed to be in my report. I did not make them. Under 15 USC 1681c-2, I meet all of the conditions for blocking and removing information from my consumer report. I reserve the right to file a lawsuits against you for violation my consumer rights.
Consumer complaint received 2023-01-14
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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
Consumer complaint received 2020-09-11
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. (NJ)

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 I'm 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 30 days gives a reason to immediately remove those items on 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 caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-02-17
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NY)

I was under the impression, based on comments by reps I spoke to and chatted with online that I would be credited the XXXX interest charge of {$85.00} from XX/XX/XXXX, then again the interest charged on {$78.00} onXX/XX/XXXX. Now, multiple times, when I brought this to multiple reps attention, I got a corporate cookie cutter response and they acted like they never even looked deep enough to find this promise. I got the standard " Fees are charged '' .. Blah, response. I want this promise fulfilled as I expected this
Consumer complaint received 2022-05-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NC)

On XX/XX/XXXX, I opened a Coinbase account with {$200.00} and purchased Bitcoin. I never made any other transactions. In XXXX, I went to check my Coinbase account to see fi there were any tax impacts to the account and was told to provide identification documents to verify my identify which I did. When I gained access to my account, the balance was {$.00}. I called the Coinbase customer support line on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and each time was told that would open a case with no progress. The only update I received was that I needed to reverify my identity on line. The last feedback that I received was that someone had gained access to my account and that all transactions are final. 

I appreciate the finality of Bitcoin transactions but feel like Coinbase was not responsive and negligent in follow up. The customer support areas advised they did not have access to accounts and did not feel like they were empowered. At no point during my engagement did I feel any confidence that Coinbase was working to address my issue.
Consumer complaint received 2021-12-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AXOS FINANCIAL, INC. (CA)

My mortgage loan is being transferred from XXXXXXXX XXXX to Axos Bank effective XXXX/XXXX/21. My payments are current with XXXX, including the XXXX/XXXX/21 payment which is automatically posted. However, for some unknown reason, Axos transferred my loan to their books at least XXXX months early, and they now think I'm over XXXX months behind in my payments. They have charged late fees which I obviously don't deserve. I have received at least XXXX threatening letters from them. I've tried to call and resolve this issue, but all they say is " Don't worry about it '', then they send more threatening letters. I've never seen a loan transfer get so screwed up. My credit is excellent, but now I'm worried about this impacting my credit rating ( the last letter was a " Notice of Intent to Accelerate '', i.e., make the loan all due and payable now ). Furthermore, I don't want to send them any future payments until their records are correct. Nobody seems to know what's going on ( the last representative I spoke to hung up on me ). In my opinion, a bank this screwed up should be be fined or lose their license.
Consumer complaint received 2021-10-27
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: CREDIT ACCEPTANCE CORPORATION (FL)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report :
Consumer complaint received 2021-06-22
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. (MN)

I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and want an immediate investigation. Please remove the fraudulent information immediately from my file. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX  Addresses : XXXX XXXX XXXX Ct, XXXX GA XXXX XXXX XXXX, XXXX TX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and want an immediate investigation. Please remove the fraudulent information immediately from my file. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX Addresses : XXXX XXXX XXXX Ct, XXXX GA XXXX XXXX XXXX, XXXX TX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX