davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-30
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (AZ)

There were so many issues with the closing of my loan. First off, the disclosure had the incorrect rate. Then contrary to my request another disclosure showed that I would be receiving cash back at closing. That happened twice ... My frustrating situation was escalated to a loan processing manager- XXXX XXXX . As the disclosure was still showing I would be receiving cash back and the process to get it fixed is quite time consuming once again delaying the closing, he offered me a {$200.00} Visa Gift card to instead apply the cash back towards principal. I accepted the offer to move forward with the loan with the disclosure as it was. This was in XX/XX/2020. About a month after my loan closed I followed up with XXXX to see about the gift card as I had not received it yet. He let me know that it was pending approval in accounting. About 3 weeks later I followed up again with no response ... A month later I reached out again with no response. Another month later I reached out ( XX/XX/XXXX ) and he said he was under the impression the gift card was already mailed out and that he would ensure it goes out that week. Still no gift card after that communication. In XXXX I contacted him again. He wrote that he had reached out several times for my gift card. To this day ( XX/XX/XXXX ) I still do not have the promised {$200.00} Visa gift card. It has been 6 months now since the closing of my loan. I feel I have been falsely promised something I would never receive just so I would agree to move forward with my loan without having the final disclosure updated again. In spite of that, at the end of my refinance I had 5 different versions of my closing disclosure!
Consumer complaint received 2017-12-14
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. (AL)

XXXX XXXX # XXXX {$600.00} No contract with creditor you have already had this removed and it reapperared as same account under new name. 
Unauthorized inquiry XXXX XXXX V/S XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-10
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: Mountain Run Solutions, LLC (TN)

MOUNTAIN RUN SOLUTIONS was allowed to add a false debt collection on my XXXX report. They also added it to XXXX. It was removed from my XXXX  report. The account does not belong to me and my name is a common name. They could not provide any identifying information such as a copy of photo ID, social security card or proof of residence. I completed and submitted the police report to MOUNTAIN Run Solutions however XXXX XXXX is no longer employed with thr collection agency. I do have screenshots, emails and written documentation including a mortgage statement that proves my identity and proof of residence.. I am requesting that this is removed from my report as it is an error and has impacted my score greatly. I can provide written documentation as the agency is not cooperative although they have no written documentation showing this account is associated with me.
Consumer complaint received 2020-11-30
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. (TX)

FCRA Violation XX/XX/2020 WHY is there another address added that I've never listed or live at? .pdf <<<<<<< WHY IS MY ADDRESS NOT CORRECTED TO MY CORRECT ADDRESS? FCRA VIOLATION. FTC VIOLATION PAST 45 DAYS. 
XXXX  XXXX XXXX XXXX FCRA violation. {$1500.00} per violation. Where is the data on experian. How was this verified? Not Late. Inaccuracies placed on my report.I will enclose in my attached documents, with wrong names, addresses on my report <<<<<<< XX/XX/2020 there was no address XXXX listed in my report. Why is it in my report now on XX/XX/2020 XXXX? <<<<<<< XX/XX/2020 there was no address XXXX listed in my report. Why is it in my report now on XX/XX/2020 XXXX? <<<<<<< XX/XX/2020 there was no address XXXX listed in my report. Why is it in my report now on XX/XX/2020 XXXX? <<<<<<< XX/XX/2020 there was no address XXXX listed in my report. Why is it in my report now on XX/XX/2020? <<<<<<< XXXX XXXX FCRA violation. {$1500.00} per violation. Where is the data on experian. How was this verified? Not Late. Inaccuracies placed on my report.I will enclose in my attached documents, with wrong names, addresses on my report. <<<<<<<< XXXX XXXX XXXX XXXX XXXX, NEVER LATE, FCRA Violation, why is this not verified accurately experian? <<<<<<<<
Consumer complaint received 2020-11-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Society Business Services, Inc. (TX)

After reviewing my credit profile on XX/XX/2020 I identified a discrepancy with accounts listed under Bureau of Med Economics. I requested a validation on XX/XX/2020 as these were accounts that I did not recognize. I reviewed my credit report again on XX/XX/2020 and the accounts continue to reflect on my credit report and I have not received any correspondence from creditor to validate these accounts as correctly belonging to me despite my credit report nor any updates to reflect that the accounts are disputed and therefore a 2nd validation letter was sent out on this day. I do not believe the account belongs to me nor do I believe that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on the accounts and the accounts continue to negatively affect me. Please strike and remove these accounts from all 3 credit bureaus until adequate validation has been received proving that the accounts belong to me and all information is correct.
Consumer complaint received 2021-11-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: DIME COMMUNITY BANCSHARES, INC. (FL)

I recently received an email from Dime Community Bank, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX and with whom I have a fairly large account. They informed me that I have been locked out of my account due to inactivity and that I must call in order reactivate it. I tried to login to my account and can not, I sent them an email via their website and I have called the provided customer service number, XXXX, on XXXX different occasions in the past week, including today, XX/XX/21, in order to reactivate my account and I have experienced wait times in excess of XXXX hours on each occasion ( currently in excess of XXXX hours on today 's call ) without a service agent ever picking up or response from Dime of any kind. They are making it impossible for me to access my account as they provide no other options in which to reactivate the account other than by calling.
Consumer complaint received 2021-05-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BBVA FINANCIAL CORPORATION (KY)

BBVA recently acquired my previous bank, Simple on XXXX. I had tried removing my funds prior to this from Simple, but they had locked all funds from being transferred. On XX/XX/XXXX I began the process of transferring my funds from BBVA to another account, so I could close that account. On that day, I initiated a transfer of the maximum amount, {$5000.00}. I was told that this transfer would take 2 days to complete. Today, XX/XX/XXXX after 9 days have passed, this transfer is still showing up as " under review ''. I simply want to remove my funds from this bank I didn't choose and close the account, however for the last 4 days of calling this banks customer service line, I have received no help or solutions. I'll either spend hours waiting on the call line to get hung up on, or have to speak to someone that seems to have no clue what's going on. At this point, I feel like I'm being held financially XXXX by this unsolicited bank. I'm just lucky that I was able to set up my direct deposit to my new bank and transfer some small amounts to keep me afloat. I will here on out advise anyone I know to stay away from this bank. It seems to me what they're doing right now, is not only bad business, but frankly, it shouldn't be legal.
Consumer complaint received 2020-01-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (GA)

On XX/XX/2019 PHH Mortgage approved a short sale and sent out a short sale approval letter. The file was closed through the attorney 's office on XX/XX/2019 and funds were forwarded to the short sale lender on XX/XX/2019. On XX/XX/2019 the funds were returned to the attorney 's office and now the bank wants to re-evaluate the short sale and redo everything which can and will change the dynamics of the payoff for the file. 
We have been trying to get the money back to them since before XXXX, and we have been met with nothing but incompetence since the beginning. This is in true Ocwen fashion of not knowing what anyone is doing and then try to re-evaluate the property to extort more money from someone who has already purchased the property. Be prepared to have this file investigated, because I am reporting this incident ASAP. We have tried to be more than accommodating and have been willing to work with you to get the money back to you, and you guys continue to be ridiculously unprepared and incompetent.
Consumer complaint received 2021-10-19
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. (UT)

XXXX  account was opened in my name years ago via identify theft. Report was filed and company absolved me from the debt and verified it was fraud but yet continued to sell the debt to collection agencys who is trying to collect on this debt that isnt mine currently. They readded this identify theft under the new collection agency.
Consumer complaint received 2017-12-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (MA)

My XXXX XXXX XXXXn that was originally taken out with XXXX XXXX is now being serviced by Navient. I discovered that my XXXX XXXX XXXX, which is a 0.25 % interest rate reduction was " disqualified. '' I contacted Navient on XXXX XXXX, XXXX to ask why I was disqualified from this benefit, as none of my contact information had changed, I still use electronic communication, and I use auto-pay. I received a response on XXXX XXXX, XXXX that the benefit had been disqualified " in error '' and it would be reinstated to my account. 

However, going back through all the statements, I have NO way of determining WHEN the benefit was mistakenly disqualified from my account and how much interest has accrued because of it. I have received no response from Navient with this information. 

Furthermore, I have noticed that my variable interest rate has conveniently gone up EACH month as my principal amount of loan has gone down. I recognize there might not be anything to be done regarding this, but I believe this is not a coincidence. 

Thank you for any help.
Consumer complaint received 2019-11-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NY)

Our mortgage loan is part of a XX/XX/XXXX bankruptcy filing but we have been making the required monthly payments on time, however, we have not been receiving any monthly statements from Specialized Loan Services. We received a phone call XX/XX/XXXX advising that our loan was past due. During a phone call with SLS CS dept., it was determined that our XX/XX/XXXX escrow payment was erroneously applied to principal only. Same with our XX/XX/XXXX monthly payment. This resuled in our loan reflecting as past due and late payment fees being incurred. We made request in writing to have these payments reversed and reapplied but SLS advised they can not do so after 90 days. 
I received a letter date XX/XX/XXXX from SLS stating that the information I received via my phone call in XX/XX/XXXX was incorrect and the payments were not mis-applied. This letter also advised us of the monthly payment amount due, the escrow balance due, and the late fee showing due on the account. I called SLS and they verbally confirmed that if those payments were made, the loan would be current. 
Those payments were made, plus an additional payment for a fee that showed on our XX/XX/XXXX statement but we just received our XX/XX/XXXX statement and there is still an amount showing in " past unpaid amounts '' and it is larger than last month.
Consumer complaint received 2017-12-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: LD Holdings Group, LLC (NC)

My loan installment is $ XXXX/month. 
Loan taken out in XXXXXX/XX/XXXXpayment due in XXXX. 

On XX/XX/XXXX, I called customer service and made a payment of {$1100.00} to cover my XXXX, XXXX, and XXXX payments. 

On XX/XX/XXXX, I called customer service and made a payment of {$740.00} to cover my XXXX and XXXX payments. 

On XX/XX/XXXX, I called customer service and made a payment of {$740.00} to cover my XXXX and XXXX payments. 

Today, they say one month 's portion of the XXXX payment was applied to principal, so I am past due one payment. They will open an investigation, and may, or may not, credit my account for making 7 timely payments. 

I would add that, # 1, this company has changed over to new software in XXXX of this year, and really has very little information concerning account activity prior to that time. And # 2, when i called in XXXX, they certainly did not tell me my account was past due. 

Now, they insist you can not pay your account ahead and there is nothing they can do? I do n't have an extra {$370.00} to send them simply because they are incompetant? This will adversely affect my credit score, which i was trying to repair with this loan, It is very unfair.
Consumer complaint received 2020-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-12-11
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

I applied for a title loan with XXXX XXXX on line. the only way they would approve my loan was a title loan. I discussed the contract over the phone with a XXXX XXXX agent. we discussed interest rates from 6-35 % at the highest. desperate for a loan to pay my house taxes, I agreed to the terms of contract without seeing the contract, since 35 % interest rate was the highest we had discussed. I had not seen any contract at the time I agreed. After 1 year of payments I relentlessly asked for a copy of the loan contract because my balance never became lower. I contacted a lawyer to help me since I couldn't even obtain a copy of contract. he needed a copy of contract and payment history. by now it had been one year and ten months. To my surprise I finally received a copy and my interest rate was 149 %! I am a XXXX year old XXXX  veteran, and am on a fixed income. I'm hoping the cfpb can help me enforce " the military lending act ''. This has to be a crime, how can this be legal in the United States of America for which I served proudly in XXXX. The loan date started on XX/XX/XXXX, the original loan amount was {$2800.00}. As of today XX/XX/XXXX my principal balance is {$2600.00} and my interest balance is {$920.00} .My balance is a total of {$3500.00}!
Consumer complaint received 2019-11-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Premier Student Loan Center (MI)

I was enrolled by Premier Student Loan Center in XXXX of XXXX. I made 6 payments of {$230.00} to the company for assistance and then my payments would begin in XX/XX/XXXX for $ XXXX/month. They took my loan and enrolled me in XXXX by using false information to lower my payment. I just learned of this as my next payment due is over {$1000.00}!!! The company is now closed yet {$32.00} each month is still being taken from my bank account.
Consumer complaint received 2023-12-29
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Block, Inc. (VA)

Square deactivated my account the same day I recieved a deposit for XXXX. They are refusing to release the funds or send it back to the originating bank. They keep saying go to the app and refund it. Which I can't because they held all funds as if it was never deposited but I have proof from their app and the originating account bank statement. I was told wait 90 days and they lied I still don't have my money please see attached they said XX/XX/XXXX. I'm going to sue for interest what they are doing is illegal
Consumer complaint received 2021-01-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My ca XXXX  card was frauded by a unknown person I called bank of america XXXX card services and made a report someone accessed my card while I was in XXXX and I told them I was willing to press charges on individuals response able the next day my card was frozen and claim stopped the bank said ca XXXX had done it I contacted the ca XXXX  and they said that they had nothing to do with it and once funds were deposited to the card they weren't responsible for them. While I was in rehab someone got my card a withdrew XXXX dollars XXXX of dollars. At a time and the bank never even froze the account or waived it supicious activity they allowed XXXX to be takin out over days and did nothing when I got out of XXXX I reported to the bank and summited a claim On XX/XX/2020 claim number # XXXX the say that they needed ca XXXX to fax them some.form ca XXXX said they didn't.know what bank of america were talking about I can get no answers from them they won't talk to me in the claim department. Final the said I had to fill a form out and send it to CA XXXX I did that on XX/XX/2020 and haven't heard anything the havent contacted me or anything when i call they give me the run around saying their waiting on ca XXXX and I contact ca edd They tell me they have nothing to do with it and reffure me back to bank of america they have camera at the banks and they can see it.wasmt me taking money from the card and I can prove I was in rehab they won't call me they won't let me speak to a manager and my claim isn't being processed they are doing this to myself millions.of people I have been diagnosed with a XXXX XXXX  my doctor give me a XXXX % chance of living another XXXX  months and i am homeless because of this please help me with this tell me how.to get answers or to fix it I don't want to XXXX on the streets
Consumer complaint received 2021-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

Equifax have been reporting a bankruptcy on my account now for over two months and I have contacted them twice about it and they have ignored me. This information was taken off when I reported them to Consumer Financial Protection Bureau and then they waited again and put it on. 

Again I have sent them letters and have called and they have not responded to the letters and have told me on the phone they will look into it but have not. 

I have been denied credit and can not buy a home because of this bankruptcy that Equifax can not verify. I have sent letters from the court in Illinois verifying that Equifax has not contacted them. Yet Equifax has not tried to resolve the issue but has left this derogatory information on my credit profile which has caused me great distress in paying more for insurance, can not buy a house, and have to pay more on rent.
Consumer complaint received 2020-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (WA)

On XX/XX/2020, i entered into an agreement with Synchrony Bank/Care Credit account. I spoke with XXXX. I agreed to pay my collection in full, ONLY if they were willing to contact the reporting agencies Immediately and report if Paid and Closed. Both agreed and paid in full, confirmation # XXXX. I now can not move forward with the purchase of my home due to their neglect to hold up their end of the agreement. I called several times today, only to be told, it takes 21 to 30 days. I asked to speak to a manager. Then i asked again for a manager or district manager, and was transfered to a District Manager, and was on hold over 30 minutes. After tiring, i hung up and called back. Then was told there was no such thing as District Manager. They have now lied to me once again. They state our conversations are on a recorded line. I request those transcript be obtained if needed. I have Verbal Authorization on my Care Credit acct to disclose any information to the credit reporting bureaus, which only is valid for 24 hrs and the bureaus told Care Credit to call them. So, i am being told back and forth. Each saying the other should call them. I ask they just hold up their end of the agreement please. I can not wait 21 to 30 days. Our agreement was immediately. thank you
Consumer complaint received 2020-11-30
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. (PA)

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 the charge. 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 Commissions Identity Theft Affidavit. Please delete the items as soon as possible.