davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC. (FL)

I initiated a wire transfer around XXXX  on XX/XX/2023 as part of a payment I was contractually obligated to make on this date. The status of the wire transfer was on 'Reviewing ' for the remainder of the day. The next steps in the process are 'Processing ' and 'Sent '. On Monday XX/XX/2023 I checked the status of the transfer and it was still stuck on Reviewing. I checked the timelines provided by Ally and I had initiated the transfer before the cut off so it should have been sent same day. Up until this point I have not received any communication from Ally as to why the wire was not being processed. Two phone calls later and some escalating I was finally told that the wire was on hold pending research and that it would not process until XXXX on Tuesday XX/XX/2023. Around XXXX on Tuesday XX/XX/2023 I checked the status and the wire transfer was still in the Reviewing stage so I called the customer service line again. I informed them the urgency of this wire, as I was now out of compliance with a contractual obligation because they have not processed the wire. I was informed that they closed out the research and I should expect a phone call any minute from the wire team to verify the information provided. I was assured the wire would be sent out today. It is now XXXX and I still have not been contacted by Ally bank, nor has the wire moved out of the Reviewing stage into the Processing stage. I am now at risk of losing the home I am trying to purchase because Ally is unable or unwilling to process the wire request, and is not communicating to me as to why the wire is not being processed. Either the customer service agents are misinformed, or are outright lying to me about next steps, timing, and when/if the wire will be processed.
Consumer complaint received 2019-05-09
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. (NC)

My complaint is harassment and penalizing treatment by XXXX XXXX aka XXXX XXXX aka XXXX XXXX, incorrect information reported to credit reporting agencies, misuse of escrow funds, over charges of escrows, forced insurance purchase, not abiding by established mortgage terms after purchase of loan from XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX purchased my mortgage from XXXX XXXX. Hurricaine Florence hit XXXX XXXX my area was declared a disaster area by FEMA and the President. I  requested a deferment from XXXX, and was granted a via letter datedXX/XX/XXXXforbearance thru XX/XX/XXXX w/ my loan being current the next payment due XX/XX/XXXX for a total of 3 payments. Immediately upon being notified of the new mortgage servicer XXXX I contacted them early XX/XX/XXXX and sent copy of the granted forbearance. From that point I have received countless letters stating I was delinquent despite the approved deferment/forebearance. They sent me a letter on or about XX/XX/XXXX my wind and hail ( extra insurance NOT REQUIRED by XXXX ) was expired. That XXXX purchased w/my escrows Wind and Hail from their Ins. Co., ( Force Purchase,  XXXX a party to a past class action suit force purchasing Ins. for homeowners ) I on XXXX XXXX XXXX provided proof of Wind and Hail I purchased good thru XX/XX/XXXX and was paying for in good standing. This forcing XXXX to cancel their Forced Purchase. XXXX at that point Took funds from my Escrow Acct. and purchased Wind and Hail again at full price of {$1700.00} ( I was already paying for causing Duplicating payments ) ) causing my Escrows to go in arrears. They also are demanding xtra escrow above the needed balance to pay the bills. My monthly escrow payment went from {$240.00} to {$650.00}. 
XXXX XXXX pressured me to apply for a Loan Modification and sent applicable plan which increased my Mortgage Interest rate to more than 5.4 % from a 3.8 % I currently had. This would have given XXXX more than {$100000.00} over the life of the loan. I refused the modification and informed XXXX I would pay up what I owe n my own. I spoke w a male supervisor who threatened me if I did not accept the Modification plan that they would report to the credit reporting agencies late payments. I rebuffed and stated the previous forbearance d/t disasters should not report the forbearance as late or delinquent. I subsequently expressed XXXX was unfair, harrassing and deceptive in not explain consequences of a forbearance in my initial notification to them. I paid all owed mortgage payments w/I 3 months. and am current in my mortgage since. XXXX reported to the credit agencies 90, 60 and 60 days late payment even though I pain all owed. All conversations and calls to them have been recorded by them. I had an attorney sent a letter w/no resolution.
Consumer complaint received 2018-09-20
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 (NY)

Capital one bank has not fully resolved my dispute against XXXX XXXX XXXX. I disputed charge of {$1300.00} that was purchased on both of my capital one credit cards on XX/XX/2018. The card ending in XXXX was charged {$1000.00} and the card ending in XXXX was charged {$300.00} for a furniture warranty that I purchased at XXXX XXXX to cover any damages to the furniture etc. One of the dressers that I purchased has been falling apart as well as several of the other furniture items and I contacted the merchant and requested that it be fixed under the one-year manufacture warranty/ After going back with the merchant several times ; they were not willing to fix the damages so I contacted the XXXX XXXX to go over what the warranty policy was and if I can get the furniture items fixed since I purchased a 5 year extended warranty, but i was told my issue was not covered, so I Disputed the charge with capital. I provided them the receipts as well as the contract with the merchant and the warranty company I also forwarded emails of all the attempts that I made it to the merchant to resolve it prior to the dispute and also pictures of the damaged furniture. it has now been several weeks I have not heard back from the bank and these charges were put back on my credit card which I am now responsible for the interest rate and any fees applicable to these charges I am very unhappy with the way capital one bank has done With my dispute they have not been accommodating they have not been resourceful and they have not contacted me and made a true effort and resolving my issue.
Consumer complaint received 2019-06-17
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
The information listed below appears on my credit report but I did not make or approve of these transactions. 
NJ FEDERAL COURT-XXXX Docket # XXXX Not mine account. Please delete. 
US BKPT CT NJ XXXX Docket # XXXX Not mine account. Please delete. 
U.S. Bankruptcy Court Docket # XXXX Not mine account. Please delete. 
WELLS FARGO DEALER SVC.ACCT # XXXX Not mine account. Please delete. 
US BKPT CT NJ XXXX ACCT # XXXX Not mine account. Please delete. 
U.S. Bankruptcy Court acct # XXXX Not mine account. Please delete. 

The following accounts are not mind account. No knowledge account. 
It is my understanding that per, the Fair Credit Reporting Act, this request must be given attention and completed within 30 days of your receipt. Thank you for your prompt attention to this matter.
Consumer complaint received 2019-10-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

On XX/XX/272019 I sustained a water leak under my kitchen sink. I filed a claim with XXXX, my Homeowners Insurance. 
After delays with XXXX, the work to rebuild my kitchen began on XX/XX/2019. 
All checks submitted to me by XXXX are required to be sent to my Mortgage Company, Rushmore Loans. 
On XX/XX/2019, a check for {$32000.00} was issued to me and, subsequently forwarded to Rushmore ( with all required notarized documentation ). I sent these documents via Mail and, when I followed up with my File Owner, XXXX ( XXXX ) she claimed they were never received. I then uploaded the documents on their website ( XXXX ) and again, XXXX claimed they were never received. Finally, I faxed everything and got a confirmation that it was sent/received. 

I later checked the transaction history on my Mortgage account, and it shows that on XX/XX/3019, the check was deposited, and that on XX/XX/2019, the check was RELEASED to me. 
This is false, as that amount was never released to me. 
I have, in fact, paid over {>= $1,000,000} OUT OF POCKET for materials and labor in order to keep the work going. 
In the meantime, I have left 7 voicemails for XXXX over a two month period, and she does NOT return calls. 
I feel something fishy is going on here. XXXX called me once, while I was working, and arranged to call me back at XXXX that afternoon, but never did. 
The one time I finally got her on the phone, she claims we had a bad connection, and wanted to call me back, which I didnt want to take the chance to do. 
Furthermore, she is very un-informed, cant answer a single question, and cant explain why this check is documented as released to me when it never was
Consumer complaint received 2021-10-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NY)

My account was transferred effective XX/XX/XXXX. As of XX/XX/XXXX I had not received a welcome package and when I called Shellpoint I was told they had no account with my name. 

I received a welcome package on XX/XX/XXXX. I again called to make a payment and was told they did not have full access to my account information and that once they did they could go over my account. 

I received a mortgage statement on XX/XX/XXXX and again called to attempt to make a payment. I was told they were not able to because they were missing disclose forms. I asked to speak to a supervisor and was told one was not available. 

The account was transferred without my input to a company that has demonstrated a lack of professionalism in processing new accounts in a timely manner or providing me with information on my account. I am attempting to purchase a new home and unable to bring my account current.
Consumer complaint received 2020-10-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (CA)

This company never showed up in my credit report and i was completely unaware that it existed. This account isnt mine and their agents kept trying to have me pay when i called to fix the issue. I kept telling him its not my account so theres nothing for me to pay. 

This company came out of nowhere on my credit report as a collection.
Consumer complaint received 2021-11-29
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. (WI)

I previously had my son XXXX XXXX as an authorized user on my Citibank card account ending in XXXX XX/XX/XXXX. Shortly thereafter, i called Citibank card services and cancelled my authorized user, and have never added an authorized user again. This card has not been used since then. On XX/XX/XXXX, this card was stolen and fraudulently used in XXXX XXXX XXXX, for money transfers, cash advances and purchases not made by me nor my son. Apparently whoever stole my son 's wallet, backpack and laptop computer used this card fraudulently. The credit card should have been denied since the authorized user had been cancelled in XXXX, however, for reasons unknown, they accepted this card fraudulent use. I called Citibank and reported the card stolen and fraudulently used. Citibank cancelled this card ending in XXXX and informed me I'm not responsible for the unauthorized fraudulent use. They issued me a new card ending in XXXX. Now, Citibank is charging both of these cards fraudulent charges which include cash advance fees, and interest for about $ XXXXCitibank is trying to get to pay these fraudulent charges twice since they're billing both accounts this same amount, and it keeps getting higher as they add more charges. Citibank added a {$26.00} cash advance fee on XX/XX/XXXX, almost a month after the cash advance was reported as fraud. Please, help me with this dispute. I can provide police reports to the fact that this card was stolen. The casinos should have camera surveillance as to who used that card fraudulently, proving my son and I are telling the truth that we did not use this card in XXXX XXXX.
Consumer complaint received 2020-10-12
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. (TX)

TransUnion is intentionally doing fraudulent or illegal reporting of information. This credit reporting agency is falsely reporting missed payments on an account ( XXXX XXXX ) that does not belong to me and it has been disputed. Not only is TransUnion doing that, but this agency is also reporting missed payments on this account and the account has been closed. If TransUnion is not going to be held responsible for its tactics, by your organization, then who do I need to contact, that is over your organization? Because, clearly, it can be seen that TransUnion intentionally does thing that is in the best interest of TransUnion and not the consumer.
Consumer complaint received 2023-01-30
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: EQUIFAX, INC. (PA)

I XXXX XXXX, Consumer and natural person am a victim of Identity theft. Equifax, XXXX and XXXX have used and furnished my consumer report without my consent, authorization or written instruction. They allowed companies to share my nonpublic personal information without consulting me and used that information to furnish. Congress makes it clear that the consumer has a RIGHT TO PRIVACY! Equifax, XXXX and XXXX have violated my federally protected right to privacy by failing to meet the needs of congress by ensuring that the exercise their grave responsibility with respect of the confidentiality of my personal information. The Fair Credit Reporting Act was intended to ensure that consumer reporting agencies exercise their responsibility with fairness, impartiality, and respect to the CONSUMERS RIGHT TO PRIVACY! Equifax, XXXX and XXXX
Consumer complaint received 2019-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: BARCLAYS BANK DELAWARE (CO)

I need help I keep getting in accurate reports from XXXX XXXX XXXX and need help clearing my credit history reports hard and soft because there is a lot that is incorrect
Consumer complaint received 2019-10-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jon Barry and Associates, Inc. (FL)

I have constantly disputed this collection as it is not mine. I have gotten repeated harassing phone calls from the debt collector and in process of seeking legal preparations for a law suit. The account in question belongs to my XXXX brother with the same last name and date of birth not me. Or SSN are 1 digit apart. This account is not mine and I want it removed ASAP from all credit bureaus to include XXXX, XXXX, and XXXX immediately. Thank you.
Consumer complaint received 2020-10-22
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC. (CA)

My wife and I had a loan with Homebridge ( # XXXX ) and in XX/XX/XXXX decided to take advantage of the VA IRRL program and refinance to a lower rate. On XXXX, Homebridge responded to a payoff request by the new lender, XXXX XXXX XXXX. The payoff request submitted by Homebridge estimated a payoff of {$540000.00} if paid in full by XXXX on XXXX, after adding additional interest for the four days, XXXX XXXX a transfer in the amount of {$540000.00} to Homebridge . On XX/XX/XXXX, Homebridge issued a letter stating that our mortgage had been paid in full. 

On XX/XX/XXXX, Homebridge mailed out an escrow refund check in the amount of {$3000.00}, which was less than expected. Upon reviewing the annual escrow account disclosure statement provided by Homebridge, it indicated that {$2500.00} was subtracted ; however, there was no explanation in the statement was listed next to the amount. 

After 3 calls this past week to Homebridge 's customer service, resulting in over 6 hours of waiting time, a manager tried to explain that the reason that money was subtracted was because the payoff was less than expected and that it should have been {$540000.00}. I tried to explain that the payoff was requested by Homebridge and that they received the amount provided by them. At no time, was I notified that the payoff was short or that they would take this amount from my escrow account. 

I am waiting for an explanation from Homebridge but in the meantime, I believe I am due {$2500.00}. 

Thank you for your asistance in resolving this matter. 

XXXX and XXXX XXXX
Consumer complaint received 2017-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: State Collection Service, Inc. (WI)

They " NEVER '' say who this company is, they say it 's on a " recorded line '' and DEMAND your personnel info. I have never once given my info out over then phone, and never will! They have called me in 1-day over 9 times, which immediately throws red flags up that it 's a scam. I did my own search on the internet, and there are 429 complaints against this phone number!! Can you say SCAM? I sure hope the FCC runs them up the flag pole, or I will have no choice but to change my number! Scam ... scam ... .scam ... .scam!
Consumer complaint received 2023-01-30
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. (SD)

my XXXX XXXX XXXX  was canceled and closed on XXXX, I've disputed this with all XXXX credit reporting Bureaus and they will not fix this and are reporting a balance of over {$4000.00}, it was a secured credit card that never actually held a balance but now even after several disputes and calls they will not fix it, I've contacted the bank and they agree that it was closed, and I have a screenshot of the chat with the bank with them stating when it was closed.
Consumer complaint received 2017-08-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

CONSUMER PROTECTION COMPLAINT : XX/XX/XXXX This is the follow-up of our complaint of XX/XX/XXXX ; the mortgage company did sent letters in XX/XX/XXXX regarding the {$16000.00} escrow payment and a balloon payment of {$240000.00}. In that letter from Mortgage Company it only repeated what I already knew. However, this issue has not been resolved the mortgage company is ignoring my request to explain why??. This is not a newly financed mortgage so I do not understand when did the terms of my mortgage changed. Why do we owe {$16000.00} escrow? Why do we now have a {$240000.00} balloon payment? Why is this happening when California has a program save my home affordable housing program or HARP? Please, we just want answers ; therefore, can someone please, please help us keep our home.??
Consumer complaint received 2021-12-28
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (MI)

Synchrony Bank without notice closed my XXXX account on XX/XX/XXXX. The account has been active since XXXX with an excellent history. With the recent Pandemic I have not used the card regularly over the last XXXX years ; however, was planing to use in the next month. 
I called on Synchrony Bank on XX/XX/XXXX when reviewing my credit wise and credit karma accounts, since my available credit decreased. I have XXXX accounts with Synchrony Bank, XXXX, XXXXXXXX XXXX XXXX All have exceptional history. They did the same thing with my XXXX XXXX  account and I reopened the line. This causes me additional inquires and lost history, which both are a detriment to my credit history. I received no written or verbal notice of the intention, required action, which is bad business. I asked for the account to be reopened since I was within 30 days of noticing. the representative stated that I would need to reapply. I asked to speak with a supervisor, after XXXX minutes of hold time I decided to proceed with this complanint.
Consumer complaint received 2018-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A. (CA)

I am in the middle of trying to purchase a home for me and my kids. I am a single mom and have worked hard to maintain great credit and save for a down payment. When my lender went to run my credit score my rating had dropped 100 points hindering my ability to buy my home. The score had dropped due to a credit card being opened by XXXX Citibank without my permission or application. When XXXX switched over from XXXX XXXX to XXXX I called and said I did not want the card. They assured me the card had been closed. I never saw the card or used the card. They proceeded to charge a XXXX Membership to my card even though I told them not to. This occurred last XX/XX/XXXX. I called them and they assured me the card was closed and that the fees, interest and charge had been handled. I have battled them for a year since then for a strange XXXX charge that keeps showing up on the card for interest against a {$0.00} balance on an account that is closed. They are killing my credit score. When I attempted to speak with them about this they said I could not talk to their disputes department and that I could only fax in my complaint. My lender is asking for a letter that states this was cleared up last year and will be deleted form my credit. They are refusing to give me a letter despite admitting over the phone that they can see it is an error in their system and that they don't know why their system keeps doing this. I desperately need your help. I am in escrow right now and if I can't get this cleared up in the next week I will lose my deposit and my home.
Consumer complaint received 2022-01-07
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was taken advantage of due to malpractice while several laws were broken under the FCRA by your company. This has caused me financial injury and defamation of character.