davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : Original Creditor, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BROKER SOLUTIONS, INC. (FL)

This is the second time New American Funding has not paid the home insurance per their contractual obligation resulting in my insurance being cancelled and their replacement insurance costing double or more. They did not pay ( approximately {$500.00} ) and threatened to purchase their own insurance ( approximately {$2000.00} ). Due to their lack of payment, my insurance was cancelled before I was able to make a claim regarding damage to the house ( approximately {$10000.00} for a damaged exterior wall ) and now I will not be able to make a claim with the new insurance company. They do not return my calls in a timely manner and when they do they call well after normal business hours.
Consumer complaint received 2018-09-21
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (NY)

I purchased a sofa bed online from XXXX XXXX XXXX/XXXX XXXX  in XXXX of XXXX in the amount of {$2900.00}. The company attempted delivery of the couch in XXXX of XXXX but the couch would not fit on the building elevator so it was returned to the warehouse. From the date of purchase in XXXX until the delivery date I was making payments on this couch. These payments amounted to about {$320.00}. One payment was made on XX/XX/XXXX in the amount of {$200.00} and the other payment was made on XX/XX/XXXX in the amount of {$120.00}. I may have made other payments besides these two payments. 

After dealing with XXXX  XXXX XXXX/XXXX XXXX on the phone I got so exasperated by their incompetence I went down to the local XXXX XXXX XXXX store and canceled the purchase for a refund. The Supervisor at the store canceled the purchase over the phone with XXXX XXXX and requested a full refund. 

When I received my statement from XXXX XXXX   immediately following the cancellation of this order I saw that I was credited back the purchase price of the sofa bed ( {$2900.00} ) but not the payments that I made between the time the couch was ordered and its the cancellation date, these payment were for approximately {$320.00}. 

I contacted XXXX numerous times via the phone in an attempt to resolve this but was met by only extreme frustration. I also filed a written dispute with XXXX XXXX but have not been able to resolve this issue. XXXX seems totally incapable or totally unwilling to resolve this problem. 

I demand the refund in the amount of {$320.00} for the payments I made between the date I purchased this sofa bed and the date I canceled this purchase. 

I have attached 3 XXXX Credit card statements showing these 2 payments ( {$320.00} ) I made and the refund amount ( {$2900.00} ) minus the credit for {$320.00} that I am entitled to.
Consumer complaint received 2019-11-05
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: BANK OF AMERICA, NATIONAL ASSOCIATION ()

bank of America credit card Account number ending in : XXXX They posted a hotel charge of {$3900.00} in XX/XX/XXXX while the Transaction Date was in XX/XX/XXXX. which mean after 211 days. 
I talked with BOA respected department 4 times and I disputed the amount of {$3900.00} charge twice, XX/XX/XXXX Case number : XXXX and XX/XX/XXXX Case number : XXXX They kept wasting time until dispute time close, without solving the problem. 
Every time, They ask Proof that this transaction was paid by another means. I respectably informed them I never keep receipt for 8 months. BOA respected disputed department, declined the dispute saying We're unable to determine that a billing error occurred based on the information or documentation available to us '' I informed them, that under the law, they have no right to charge me after 8 months, while i did pay the hotel. 

The law says : Under Visa Chargeback Reason Code 74 : Sales Receipt Older than 181 Days. If the sales receipt was deposited more than 181 days after the transaction date, even if the card account is not closed, there is no remedy and you should accept the chargeback.

please solve my problem with them.

Attached the Correspondences between me and BOA respected credit card dispute department
Consumer complaint received 2020-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NJ)

AFTER REVIEWING MY CREDIT REPORT I FOUND ACCOUNTS THAT DOES NOT BELONG. THIS IS MY 3RD TIME WRITING AND DISPUTING THESE INACCURATE ACCOUNTS THAT IS HINDERING ME FROM DOING BETTER IN LIFE ...
Consumer complaint received 2020-10-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Regional Management Corporation (TX)

On XX/XX/2020 I received correspondence through the post office from an entity called 'Regional Finance Corporation of Texas '. The offer was for a pre-approved cash loan for {$1400.00}. The part I am seriously concerned about is that this particular offer included a live check in the envelope. The check had clear instructions as to the steps needed to cash it and even suggested that mobile deposit would be the easiest way to get the funds. The offer came with a 69.99 % APR and {$890.00} finance charge. I find it unacceptable that this entity would send out live checks that could easily be cashed at unscrupulous places and place me in a serious financial predicament. The XX/XX/XXXX check was actually the second time I received this offer from the same entity ; I had previously received the same offer from the same entity on XX/XX/2020.
Consumer complaint received 2018-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TN)

I sent a dispute requesting that the account for XXXX XXXX ( XXXX ) that was sold to : XXXX XXXX XXXX XXXX XXXX be removed from my credit report from XXXX, Experian, and XXXX. The account is past it's time statute limitations of 7 years, it was opened XX/XX/XXXX and last updated in XXXX so the account was not validated, please remove this outdated account from my credit reports
Consumer complaint received 2023-07-05
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Exeter Finance, LLC. (FL)

I received all the loan information from an attorney ; my sale, the sale Exeter Financial made when they sold my car, the addition funds from XXXX XXXX used to pay for the vehicle, and the amount XXXX XXXX XXXX XXXX I owe fails to leave out what Gap Insurance paid. They added the amount prior to what was owed, and I will be submitting all of the paperwork, Installment Sale Agreement ( with XXXX Provisions ). It is clearly written out in the contract, itemized ; detail by detail.
Consumer complaint received 2021-05-23
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: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

My wife and I have been a Bank of America customer for over 14 years with a " XXXXeferred Customer '' status and hundreds of thousands of dollars in annual transaction. We take financial responsibility very seriously and have never been behind or defaulted on payments. Our credit scores were immaculate and in the 800 's until ruined by Bank of America for the following reasons : In XXXX of XXXX, our bank accounts were hacked into by unidentified individuals. This was immediately reported to Bank of America after which all our checking and saving accounts and credit cards were shut down. We later opened new accounts with the bank and transferred our accounts and credit cards over. Unfortunately, Bank of America failed to transfer one of our credit cards to the new account which resulted in our inability to access our statements or balances. In XXXX of XXXX when we applied for a mortgage, we realized that Bank of America had reported this credit card balance to the credit reporting agencies as " delinquent '' which prevented us from obtaining a mortgage without prior notification. 

We immediately paid our credit card balance once we found out about this issue via email and asked Bank of America multiple times to either give us access to our credit card information or send us statements. Bank of America stated that they " would not normally transfer credit cards over to a new account '' but they agreed to send us paper statements. This is clearly false as they had transferred other credit cards to our new account. They have also sent us notification letters in the past regarding our credit cards but failed to send us a proper and timely notification about this credit card. They later closed down our credit card inexplicably and again without an advanced notification. 

We have reached out to Bank of America multiple times to seek an explanation and a resolution. Regretfully, our efforts have been unsuccessful as of yet. 

We kindly request that you investigate this complaint as the Bank 's actions appear to be in violation of the Fair Credit Reporting Act.
Consumer complaint received 2020-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Receivables Performance Management, LLC (PA)

I contacted XXXX  via telephone XX/XX/2020, after XXXX XXXX notified me of a negative collection on my account. I also received a statement from RPM aka Receivables Performance Management Company late XXXX in which I responded by US mail stating I did not owe this debt and show me your proof. I still have not received a response from RPM When I spoke with customer service at XXXX, I was told it this negative collection by RPM was removed and put back on my credit file at at the request of RPM Company. At that point, I asked to speak with a supervisor. A supervisor named XXXX took my call. Told me it was not up to them to verify information. I told him that was incorrect. There job is to verify consumer information. Told him I mailed XXXX  a package with all my receipts and pertinent information that validates my claim. I gave him the USPS tracking number and he said they never received it and continued to tell me to work it out with RPM Company. This supervisor with XXXX  had a strong foreign accent as did the first XXXX  employee who assisted me and it appeared to me this people were from another country handling the calls and had no experience and gave me wrong information. They are supposed to verify all information from me and the collector which they did not do. 

XXXX/ supervisor with XXXX told me I must have sent my package to wrong address. It was mailed with tracking to their XXXX. XXXX XXXX - XXXX, PA, which I verified with him. Still he said they never received it. I am at wits end for this has affected my credit file. XXXX  will not place this collection on my credit file because they could not verify RPM Company 's collection on me. My credit score with XXXX  is excellent but XXXX  continues to defy my requests to get documentation from RPM company concerning this so called debt they claim I owe.
Consumer complaint received 2023-01-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (PA)

I WAS CHARGED {$1000.00} FOR A TAX AMOUNT AND PENALTY BY MY COUNTY ASSESSOR. {$540.00} WAS FOR THE PENALTY. {$490.00} WAS FOR THE TAX BILL. i ENDED UP PAYING FORTHE ENTIRE AMOUNT. i CONSTANTLY WAS IN TOUCH WITH THE COMPANY THROUGHOUT THE PROCESS REGRARDING WHAT WAS REALLY OWED. FIRST OF ALL THE ASSESSORT SENT IN THE WRONG AMOUNT TO BE PAID, WHICH THEY PROMPTLY DID. FROM THEN ON I CONSTANTLY URGED THE COMPANY TO PAY THE CORRECT AMOUNT. 
THEY DIDN'T. HENCE I WAS CHARGED THE PENALTY. THIS SHOULD BY PAID BY THE COMPANY AND NOT ESCROW. THE REST SHOULD BE PAID OUT OF THE ESCROW ACCOOUNT. 
THE COMPANY ALSO BEGAN CHARGNG MED {$100.00} MORE FOR MY MORTGAGE I HAVE NOT BEEN ABLE TO ACCESS MY RECORDS. THE COMPANY SAID THEY WOULD CALL IT, BUT IT NEVER HAPPENED. i AM VERY UPSET ABOUT THESE EVENTS. AND DISAPPOINTED IN THE COMPANY.
Consumer complaint received 2021-09-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc. (PA)

This is the complain against Better.com or Better Mortgage company. They are not honoring the interest rate that I locked. This is not due to any change in my financial condition or credit score or employment. During underwriting, I was made aware that they can not provide rate that I locked and asked to chose the option that was more than initially offered. The worst was they were not even honoring the published rate in XXXX. They were not ready to negotiate. I am closing in a week and the timeline does not work well for me to start over. I just wanted to share this with other dealing with Better.com. Just locking the rate with them does not mean you will get it and the end and just be prepared for surprises. Please be aware.
Consumer complaint received 2024-03-18
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE (FL)

XXXX hard inquiries are showing on my report from BARCLAY BANK DELAWARE on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and I do not have a credit card with them.
Consumer complaint received 2020-10-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX 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 2021-02-10
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. (OK)

The credit bureau and data finders are reporting false, misleading, non XXXX XXXX compliant, information ( XXXX ) on my credit bureau. I have challenged the validity of the XXXX on my report. They have informed me that they are getting the information from third parties such as XXXX XXXX and the court house. I have sent a challenge letter with a letter from the Bankruptcy court saying they do not provide any information from third parties. I also included in the dispute letter a letter from XXXX XXXX that they deleted the fales, erroneous, misleading bankruptcy from their report. They came back and said it was XXXX XXXX that validated the XXXX ... even though XXXX XXXX said it wasnt on their report. How can you validate from lexis nexis if they deleted it? I want it removed immediately
Consumer complaint received 2023-03-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (GA)

XXXX XXXX is a third party company reporting on my credit report this is break the law a third party company cant report on my credit report only the original creditor can Dear I am writing in response to your letter dated. 
( copy enclosed ) because I do not belleve I owe what you say I owe. 
This is the first I've heard from you, or any other company on this matter therefore, in accordance with the Fair Debt Collection Practices Act, Section 809 ( b ) : Validating Debts I respectfully request that you provide me with the following information : * ( 1 ) the amount of the debt; * ( 2 ) the name of the creditor to whom the debt is owed : * ( 3 ) Provide a verification or copy of any judgement ( if applicable ); * ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. Also be advised that I am keeping very accurate records of all correspondence from you and your company. 
I have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, you must immediately inform them of my dispute with this debt. 
Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act $ 1681s-2. Should you pursue a judgement without validating this debt, I will inform the judge and request the case be dismissed based on your failure to comply with the FDCPA. 
Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware of my dispute with this debt.
Consumer complaint received 2020-10-12
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SUN AMERICAN MORTGAGE (AZ)

I applied for a XXXX loan to buy a home thru Sun American Mortgage here in Arizona back in XXXX of this year, the loan officers name is XXXX XXXX. during the course of the entire loan process clear up to and past the date of closing XXXX XXXX kept reassuring me that everything was ok and that the electronic underwriting went thru with no problems. I entered into a prepossession with the seller and moved into the home on XX/XX/XXXX. 
I paid all fees, appraisal and follow up appraisal {$750.00} also paid for repairs and materials in order to correct appraisal deficiencies, painted exterior of house, applied base trim sealed areas that were exposed and paid to have interior baseboard heaters installed, my total expenses have exceeded over {$3000.00} to date. all the while I have also paid {$850.00} each month for rent to the seller Mr XXXX XXXX. the close date was set for the XX/XX/XXXX and as I stated before XXXX XXXX stated that there were no problems that would stop the close on that date. it took 5 days past the close date for XXXX XXXX to call me with a final decision and that it was determined that I was too high of a risk and the loan was denied. when I spoke to XXXX XXXX she stated and I quote " since you have no rental history, your fianc XXXX XXXX 's rental history was used, unfortunately since she had a negative history the decision was that you are too high of a risk for a mortgage loan ''. XXXX XXXX has no reason for even being a basis for decision as she is not even a co applicant on my loan, they had no business using her information against me. XXXX XXXX falsified documents stating that the decision letter was mailed to me on the XX/XX/XXXX, I have photographic evidence of every piece of mail I received from the postal service and no letter or correspondence at all came from XXXX XXXX, in fact I didn't receive a copy of that decision until I was served with notice of eviction on XX/XX/XXXX. XXXX XXXX should not have manipulated the electronic underwriting, she had 5 months to research every detail needed for my XXXX loan, I am now facing homelessness and have had all my finances drained in this matter. Any assistance in this matter would be greatly appreciated.
Consumer complaint received 2023-01-31
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: Experian Information Solutions Inc. (TX)

This is in response to complaint XXXX. Experian failed to explain their method of validation for the account that they are claiming to be late. I asked for bank transactions, statements, and all historical information regarding the account and Experian only mailed me that the account was verified. This is impossible because I was never late. This is my second cfpb complaint in which Experian has failed to follow FCRA regulations. As a consumer I am allowed to be provided with the name and documentation on how this account was verified and Experian has failed yet again to follow the law. I will be following up with the BBB to move forward with taking this to small claims court if a real investigation is not conducted, sufficient evidence is not provided, or the late payment removed from my account.
Consumer complaint received 2020-10-12
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (IL)

My {$500.00} American Express Business Gift Card was used to make the following purchases with XXXX : XX/XX/20 {$10.00} - XXXX XXXX XX/XX/20 {$20.00} XXXX XXXX XX/XX/20 {$35.00} - XXXX XXXX XX/XX/20 {$420.00} XXXX XXXX These purchases were fraudulently made by others, my gift card has never left my possession and instead of having the full value of the {$500.00}, there is only {$10.00} remaining on the card.