davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank fo America XXXX XXXX 2014 {$1200.00} I WAS NOT ALLOWED TO FILE A DISPUTE WITHIN A REASONABLE TO AFTER LEGAL NOTIFICATION FROM THE FTC WITHIN THE TIME ALLOWED TO REPORT IT. THEY HAVE THE CASE NUMBER WHICH IS XXXX XXXX AND XXXX XXXX XXXX  AT XXXX OR XXXX  HAS BEEN PLACED TO IN HIS POSITION TO REFUND US AT THE REQUEST BY OUR BANK AS A CHARGEBACK.
WHEN I TRIED TO FILE A DISPUT YEARS AGO THEY TOLD ME TO CONTACT WPM AND TRY TO GET REFUNDED. THEY EVEN HAD A REP 3 WAY CALL WITH ME ON THE PHONE. THEN THEY TOLD ME I COULD NOT FILE A DISPUTE THEN EVEN IN THE ALLOTED TIME FRAME. NOW THEY ARE CLAIMING ITS NOT POSSIBLE TO GO BACK ON RECORDED PHONE CONVERSATIONS. THEN WHEN I HAVE REQUESTED TO FILE A DISPUTE NOW XXXX XXXX EXT XXXX.
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XXXX XXXX DID NOT CALL ME BACK AND THEN SENT ME A LETTER CLAIMING IT WAS PAST THE 60 DAY GRACE AND WAS AGAINST BANK RULES AND IT WAS NOT FRAUD EVEN THOUGH THE FTC HAS CLAIMED IT TO BE AND THEY HAVE A CASE NUMBER. HE NEVER ALLOWED ME TO FILE A ACTUAL DISPUTE WETHER IT BE FRAUD OR A BILLING ERROR AFTER PRETTY MUCH BEGGING THEM TO DO SO.
Consumer complaint received 2021-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Avant Holding Company, Inc. (OH)

On Monday XX/XX/2021, I called Avant credit card customer service representatives to request a letter of debt validation showing a XXXX balance on my account to present to a mortgage lender so a rapid rescore of my credit can be done. I was advised that it will take 24 hours for the documentation of my payoff with Avant to come via email. After 24 hours I called back to Avant to request the same information that I never received. Upon talking to the representative on XXXX XXXX, approximately 24 hours after my first original call, I asked to speak to a supervisor concerning the urgency of the letter that I requested. Two hours went past and no supervisor contacted me as the rep stated they would. I called back to the company demanding I speak to a supervisor concerning the matter I presented. The rep tried to take my telephone number and told me a supervisor will call me shortly, but I refused to hung up without speaking with one. Thirty minutes into the call after being on hold, finally a supervisor was able to speak to me. I was told that by the end of the business day I will receive the information of my balance payoff I requested but I still did not get the email as promised. Today, XXXX XXXX I called back to Avant and demanded my information. Once again, I was told it would be sent to my email by one hour. Three hours later, I called back to Avant to complain of still not receiving this vital information that is needed to move the process along for my home mortgage loan. I even advised Avant that I was not wishing to close my account but I needed proof of my payoff balance and my current information so the lender can proceed to take the next steps to get a rapid rescore done. The information needed is very important and can hinder the process of my loan. As a consumer, it is my right to such information as far as my account with Avant and the company has been no help with obtaining this letter. On XX/XX/2021 I requested the same information and had no problems with getting this letter. I do not understand why Avant is withholding my information from me.
Consumer complaint received 2017-11-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions (TX)

I 've sent multiple letters to this agency about this not being my account. After being advised by XXXX I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the XXXX tracking. 
I am a victim of identity theft and noticed a collection from RENT RECOVERY SOLUTION. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against RENT RECOVERY SOLUTION in regards to this matter. The XXXX also instructed me to complete and theft affidavit through XXXX XXXX. Attached is my document. Thank you
Consumer complaint received 2019-10-28
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that SELECT PORTFOLIO SER has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2017-11-15
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I made a purchase from XXXX XXXX XXXX using my Capital One credit card on XXXX XXXX XXXX. Transaction details as below : Merchant : " XXXX XXXX XXXX '' XXXX : GBP XXXX ( or {$33.00} XXXX. 
Time : XXXX XXXX XXXX XXXX XXXX XXXX XXXX local time ) The above transaction was deemed a XXXX XXXX without my knowledge or consent, and I was subsequently charged {$10.00} fee on XXXX XXXX. I reached out to the merchant XXXX XXXX XXXX XXXX on XXXX XXXX via phone ( and email ) and they confirmed that the transaction was a credit transaction to the best of their knowledge, and Card company should not have charged a Cash Fees. 

I followed up with Capital One ( Card Issuer ) on XXXX XXXX and XXXX XXXX ( over phone ) and was told that they are helpless as the transaction was a wire transaction made in Cash.
Consumer complaint received 2017-11-15
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. (FL)

I have a hard inquiry from XXXX XXXX on my Experian credit report dated XXXX XXXX, XXXX that does not belong to me. I have attempted to resolve this with Experian via phone and CFPB but am told to contact the creditor. I have sent a CERTIFIED LETTER requesting to remove this erroneous record from my report on XXXX XXXX, XXXX. XXXX XXXX has not responded to my request. Please have this record removed from my report immediately.
Consumer complaint received 2017-11-15
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. (CA)

Transunion is incorrectly receiving information from XXXX XXXX as my account being delinquent, but it belongs to my son, XXXX. I called the bank and they blame each other. My credit has dropped 110 points in 6 months due to their disregard and bad recordkeeping of files
Consumer complaint received 2017-11-15
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MD)

I had a home disaster and it was settled with XXXX, which tok a year. I had not been home in over a year and it is expensive for that mortgage and two households. I am not behind in any payments. 

I endorsed the check, along with my public adjustor and sent t to Carrington Mortgage Company LLC. I called them, since I need this settlement to pay for repairs, vendors and be reimbursed by the vendors. I sent in every document they request in the initial packet and thought it would be a simple process. 

Every time I call there, I get a different person on the phone. The claim is not handled by one person. When I ask for a supervisor, generally, they are not available. I am told that something will be done and they lie to me, it is not done. I am not called back to explain why. I need an inspection of my home done, first phase, so it can be completed and fixed. when I get off the phone thinking this is corrected, I call a week later and nothing was arranged and they need, yet another document and don`t explain in detail, why. Carrington is sitting on the money to fix my home, so I can go home. They never call me for any further documents and never inform of anything The supervisors say they will call me back and NEVER do it. They have questioned me and my contractor about me, which is unacceptable. It has been two months and the contractor and vendors need the money to fix the home. The inspection has been delayed by this company for over a month. I asked explicity what they need and they never give me a complete answer. According to the packet I sent them, from day one, they have everything they need. My public adjustor called them to offer and documents and they stated to him they have everything they need. My contractor calls for an inspection, and they never get back to him with a time/date as promised. They are sitting on this money and I can not afford to live somewhere else any further. I am lied to and diverted to the next person and next. I need my home fixed, the rest of the money released and to get this done. Carrington is delaying the process, since XXXX XXXX it has been a real challenge.
Consumer complaint received 2017-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

i called in to the company on XXXX XXXX, XXXX about XXXX cst in good faith to have these inquiries removed that happened during the breach/glitch with in the company around XXXX XXXX XXXX, first speaking with a XXXX XXXX XXXXho cut me off immediately to let me know he could not help me and i then asked to speak with a supervisor who also did n't event me finish speaking about the issue. This glitch was not my problem it was transunion and I 'm also away that it is illegal to run someones credit without authorization from the person or re-add an inquiry with out a 5 day written notice!
Consumer complaint received 2020-10-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: National Collection Systems, Inc. (IN)

I attended the XXXX XXXX XXXX College XXXX, Indiana campus and had to leave due to medical issues at the time in 2017. 
I didnt know I owed a balance of {$550.00} until later. 
The school never notified me and at that time, I did have contact with the agency and couldnt pay it until I got the money since I was jobless and had just given birth to my daughter. 
While trying to enroll at another XXXX XXXX XXXX, XXXX, I was advised I needed to pay the balance, which I tried to pay through the school, but they gave me the information to National Credit Management. 

I gave them a call in hopes if I paid, it can be removed from my credit report. I was never informed they didnt do pay-to-deletes or whatever they call it, but their manager XXXX XXXX, stated I could call the school and have it removed since I satisfied the account in full. Now me, not knowing much about credit, I went to the school and was told Im supposed to contact National Credit Management since theyre the ones who had the account. I called them and then was told through a rude customer service representative that snarled at me when I tried explaining what I was told, WE DONT DO PAY-TO-DELETES and  basically hung up on me. My issue is, why would you lie and give me hope that I could get the collection removed, when he couldve explained it from the beginning. I called and tried seeing if I could talk to him directly, was either hung up on, or having a call rep who was rude. I tried fixing the situation because if anything, XXXX couldve just been honest in the first place.
Consumer complaint received 2017-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (TX)

paid citibank account in full, payment process and reflected a zero balance, payment did not process, automatic payment was cancelled by citicards, they blamed me, did not contact me. we had a natural disaster the same month and I did not follow my payment as it had never not processed before. Payed account off during the next month after the natural disaster. balance is zero, credit history is excellent. 

did not cancel my credit card due to the affect on my credit.
Consumer complaint received 2017-11-15
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TFC Credit Corporation of California (IL)

For the last few months I've been going back and fourth with the XXXX XXXX in regards of a loan I " apparently '' which I'm verifying now. In XX/XX/XXXX I received a call from TFC requesting information on how i was going to pay to pay them. I informed them that I recently moved and gave them my address so they could proceed to send me the billing information ; I never received a any information or the confirmed email like they said they were going to send. In the beginning of XXXX I received a phone call from TFC informing me that I was 30 days past due and that a 30 day past due report hit my credit report. I asked to set up a payment plan and they gave me the run around but kept putting pressure on me to make my payments. The customer services representatives were very rude to me every time I called and there has even been a few times they hung up on me purposely. Last but not least I asked them today XX/XX/ to send me a copy of the agreed sign contract of the loan to my email I supposedly took out and they failed to provide me a copy as well. 
Desired Resolution : Correction to a credit report
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2021-02-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION (NC)

I applied to refinance my mortgage with PenFed credit Union XX/XX/XXXX. The process moved forward quickly at the beginning and the appraisal was ordered. After that, I heard nothing over and over. I would email my loan processor over and over with no response. In XX/XX/XXXX, a manager finally called me and said they were waiting on a recertification of the appraisal since it had been so long and it would close before the year ended. Final underwriting was complete and things would be done. The loan processor emailed XX/XX/XXXX and said the loan was complete and she didnt know why a closer had not reached out to me. Well it is now XX/XX/XXXX and I have tried over and over to speak to the loan processor with no response. XXXX, XX/XX/XXXX, I received a CD with a tentative closing date of XX/XX/XXXX ( a date that already passed XXXX. On this CD the points that I was going to pay at closing increased, the loan amount was not corrected even though I have asked multiple times, and I am now being charged {$170.00} fee for the recertification of the appraisal which was never disclosed to me. XXXX appears to be delaying the process to increase fees on purpose and it feels malicious and deceptive. Also my loan processor XXXX XXXX has not disclosed her MLO # in her emails.
Consumer complaint received 2017-11-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Riverwalk Financial Corporation (GA)

Received notification that a new account was reported to my XXXXn credit report on XXXX/17 XXXX XXXX XXXX reported a collection that I have no knowledge of. I have never done business with this company before, I also have no contract with this company. 
Never received any sort of documentation in reference to this company. I also called XXXX on three different occasions to rectify this information, was on hold for over 30 minutes and was unable to speak to customer service at any time.
Consumer complaint received 2021-04-21
Product: Credit card or prepaid card — Government benefit card
Issue: Advertising — Confusing or misleading advertising about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I do not have a government benefits card. However, I received a text message on my work cell phone, from XXXX on XX/XX/2021 at XXXX that reads : BANK OF AMERICA XXXX Your Bank of America EDD Prepaid Debit Card has been temporary [ sic ] suspended. Please click the link below to re-activate your Bank of America EDD Prepaid Card to continue using. http : //prepaideddcardbanksofamericas.com/reactivateds I did not follow the link ( obviously a scam, note the spelling ), but wanted to report this in case others were alarmed and clicked.
Consumer complaint received 2017-11-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Performant Financial Corporation (IL)

XXXX sent an account to XXXX XXXX for account I have no knowledge of incurring. I contacted them twice once on XXXX XXXX and a second time on XXXX XXXX to get information with regards to this debt, but they are unable to supply me with any information with regards to debt and has offered no resolution other than contact collection agency. This charge has been reported to credit report agencies, which in turn has affected my ability to get credit.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2017-11-14
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: IQOR US INC (PA)

The most recent call from Allied Interstate came today XXXX XXXX, XXXX at XXXX am. They hide their number which is ( XXXX ) and get rude and belligerent with when you tell them they have the wrong number that XXXX XXXX XXXX does not live here and you do n't have contact information for him. 

They call my home and cell phone numbers constantly harassing and abusing me for XXXX XXXX XXXX and I DO NOT KNOW THIS PERSON.
Consumer complaint received 2017-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Equifax Credit Bureau Re :  Unauthorized credit inquiries account # XXXX XXXX XXXX 2017 - XXXX XXXX XXXX XXXX   XX/XX/XXXX 2017 To whom it may concern : I recently received a copy of my credit report and i noticed inquiries i did not authorize and which i do not have knowledge. Please be advised by law no inquiries can be placed on my credit without my authorization. I am requesting that this inquiry is removed immediately from my credit report. Please send me an updated copy of my credit report after this inaccurate information has been removed. 

XXXX XXXX XXXX