davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/2024. Spoke to a XXXX XXXX who updated my financials. 

She did state my investor is XXXX XXXX. 

I requested a XXXX  month extension of the foreberance since I just started working and got way behind on taxes. The additional XXXX  months will allow to catch up taxes. 

XXXX  my investor allows for an extension beyond XXXX  months, Bank of America did not approve an extension of the foreberance. 

She then submitted for a repayment option and the only option that came up was for a loan modification. 

My investor allows for a payment deferral option, but Bank of America has not allowed XXXX. 

I am not interested in a loan modification, but a XXXX months forbearance extension and a payment deferral option.
Consumer complaint received 2020-11-22
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. (GA)

TransUnion did not investigate an account on my credit profile for XXXX XXXX XXXX, XXXX, and XXXX
Consumer complaint received 2017-12-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: AMERICAN EXPRESS COMPANY (FL)

I applied for a credit card a few days ago and since sign up I have been continually denied an instant ( temporary ) credit card number that would be effective to start purchases until I received my official card in the mail. I have been told '' we do n't do that '', " you should have signed up online '', and " you should have received it when you first applied " ( even though I did request it at that time and they denied the request ). Even though I express the urgency of needing to use it right away, all I was told was that I should reschedule what I am trying to purchase. ( Of which purchase could go up in price in doing so, will American express be paying the difference since I was denied a temporary card? ) I have spoken with numerous representative both on XXXX/XXXX/XXXX as well as today. Today I spoke with XXXX, a customer service agent ( who stated I should have gotten it when I first applied and after saying I did request it at that time, told me she could n't help and that she would transfer me ) and XXXX ( id # XXXX ) whom stated I would need to wait for my card in the mail. 
According to the terms, conditions, and disclosures of the credit card, an instant number is only limited to being based on the ability to validate my identity. There is no additional fine print stating any of the information provided to me by the representatives I spoke to and therefore I would have received the requested temporary card without any hassle. 
This has been the worst service and makes me wonder how my future service will be if I am treated and being made to feel like and unvalued customer in the very beginning, if they are n't following their own terms, conditions, and disclosures, and making me feel as though they do n't care if I stay with their company as a consumer or not. There are many other competition companies out there and with American Express being such a large company, you would think they would want to keep as many customers as they can being how there are so many other competitive companies out there to choose from.
Consumer complaint received 2022-10-11
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: AMERICAN EXPRESS COMPANY (NJ)

I believe Amex is not acting in the spirit of an unbiased arbiter in my dispute ( as mandated by the Fair Credit Billing Act ) with XXXX, because of its commercial relationship with the merchant. I am fearful of the eventual final outcome of this unfair process.
Consumer complaint received 2022-04-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (RI)

LVNV Funding LLC keeps reporting invalid amounts owed to the original creditor. This company bought the debt from XXXX XXXX Bank and every week or two weeks it increases its amounts. This account is closed and therefore shouldn't be accruing any interest rate fees. 

I've sent letters to all three credit bureaus ( XXXX, XXXX XXXX XXXX ) and ask for them to investigate and neither one has corrected this problem. I paid {$450.00} in hopes of getting this resolved and yet it's still being reported on my credit report after they agreed to the amount paid. This collection company uses tactics that aim at hurting the consumer instead of actually resolving a matter. 

I would like this derogatory account removed from my account as it has been detrimental to the advancement of my credit building efforts. This company uses practices that should be illegal and I will be seeking legal actions against all parties involved if this matter is not resolved promptly.
Consumer complaint received 2021-12-03
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. (NY)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2021-05-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

National Credit Systems is reporting a debt that is fraudulent. The company has been provided with a police report and FTC affidavit. I have asked them to send all the proof of said debt. " debt validation " according to the FDCPA. In addition then continued to contact me and hinder my credit without providing the requested information. The original debt company has confirmed Fraud and that I was NOT the person that created the debt. However National credit Systems continues to reporting Bogus information to my credit r When they were to remove, change or validate the debt with the credit bureau .. National Credit systems added {$1.00} to the debt. These practices are unethical and should not be allowed to continue. I have all of the required Fraud documentation. In addition, I was told that I need to provided copies of my governmental IDs. The collections agencies can use anything provided to them to attempt to collect a debt whether it is valid, and or fraud.. WHY would I oblige that request as this is already FRAUD.
Consumer complaint received 2021-01-01
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: I.C. System, Inc. (IL)

This is a NEW Complaint filed on XX/XX/XXXX. 
I am in possession of the papers sent to me on XX/XX/XXXX, The information provided was unresponsive to my demands. I demanded proof that I owe you money, this is not proof that I owe you money. 
In fact your name is not even mentioned on any of the paper work provided. 
Furthermore, Please provide proof of this alleged item ... Specifically the Contract, note or other instrument bearing my SIGNATURE, before continuing collection activities!
Consumer complaint received 2019-08-19
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Selene Finance LP (DC)

I need to know if Selene Finance attorney  informed me that the house at XXXX XXXX XXXX XXXX was sold on XX/XX/2019 to a 3rd party purchaser they why is the house still in my name XXXX XXXX?   I went to Recorder of Deeds and they confirmed that the property is still in my name, I also contacted them today by telephone and they confirmed again today that no one has submitted an application to change the tittle out of my name that I am still the person name on the tittle.  I also got an email from  Selene Attorney XXXX XXXX and she informed me that they have not gone to settlement yet? So I need to know why are they demolishing the house that is still in my name. The property at XXXX XXXX XXXX XXXX XXXX  DC  XXXX   is still in my name XXXX XXXX  I believe that this would be illegal.  and against the law if the property is not in that person name to destroy it wouldnt it?  So my question is if the house is in my name why are they demolishing the house.  the attorney even said that the 3rd party person hasn't gone to settlement how are they  demolish the property?  My loan number is XXXX . My mortage Company is Selene Finance
Consumer complaint received 2021-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I received a text alert on XX/XX/2021 at XXXX XXXX advising Transunion made an unauthorized charge from my debit card/bank account in the amount of {$24.00}. I immediately contacted Transunion via customer support email and request they refund the money ( since it is not me who is responsible for the transaction ), but they refused and would not respond to anymore of my messages. I didnt purchase anything from those scam artists. My identity was stolen ( XX/XX/2021 ), and I assumed my finances would be safe after I reported my issue do the DOL and several other agencies. Clearly I am still a target. I just want the {$24.00} that TransUnion stole from my account.
Consumer complaint received 2021-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

There are items on my credit report that are violations of the Fair Credit Reporting Act that I request to be remove expeditiously for violating my rights as a consumer. There is invasion of my privacy and defamation of my character. No consent id Identity theft!
Consumer complaint received 2021-09-08
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (MI)

Syncro/ Amazon card company charged me a fee to close a account that I never used and reported charges to the credit bureau as unpaid. Which dropped my credit score and ruined my ability to make purchases that I wanted. I was informed that I did not have to charge a fee to close this account that I never used and after 3 attempts to close this account they finally did. Syncro/ Amazon bank card company forced me to pay them to close a account I never used.
Consumer complaint received 2021-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Chime Financial Inc (TX)

Chime bank I added funds to my credit builder account on the morning on XX/XX/21 while at home on XXXX XXXX XXXX. 16 minutes later, {$190.00} dollars was withdrawn from XXXX XXXX XXXX on XX/XX/21. Ive never been to that store before. This transaction caused my Credit Builder account to become overdrawn.

I called the bank to report fraud, they told me to wait until the funds settled. The funds settled on XX/XX/21. I emailed a claims/dispute form to Chime on XX/XX/21. My claim was denied and by I closed my account on XX/XX/21. On XX/XX/21 I received an email from Chime reversing a decision and rewarding me {$100.00}, half of the money stolen from me. The overdue amount remained. On XX/XX/21 I sent two emails proving that I was at my home during the time of the transactions and my claim was still denied. The old account is still overdrawn, I have not received any of my stolen funds and Chime bank threatens to report the overdrawn account to all three credit bureaus. It is a banks responsibility to provide security for their customers but I was left vulnerable and they did nothing to correct the issues. Chime is an untrustworthy company and is in need of major improvements.
Consumer complaint received 2019-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (NV)

wells fargo bank   where i bank resuses to aprove my crdit card application    for no reason what soever and continue to deny my application for credit card and need help  with this issue thank you XXXX XXXX
Consumer complaint received 2021-12-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A. (NC)

This is a continuation of my first complaint that is still open. The complaint is with PNC Bank and XXXX XXXX, XXXX XXXX XXXX, XXXX has attempted repost my payments that have been posted incorrectly, however I made a payment today and AGAIN the payment was posted incorrectly. I will be sending her notice of this as well. PNC needs to be investigated!! 

Thanks, XXXX XXXX. 
XXXX file #
Consumer complaint received 2020-09-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENTAGON FEDERAL CREDIT UNION (NC)

I recently paid off a 1st mortgage loan with Pentagon Federal Credit Union. I sold my primary residence XX/XX/XXXX and the closing attorney wired the payoff proceeds XX/XX/XXXX to pay the balance in full. 

I changed my address with Pentagon at the beginning of XXXX to ensure I would receive the refund of my escrow account. I called Pentagon on XX/XX/XXXX to inquire the whereabouts of the refund check. The representative confirmed the escrow account was closed XX/XX/XXXX and a check was mailed. I asked the representative to confirm the mailing address the check was mailed to because Pentagon mailed a mortgage statement with a statement date of XX/XX/XXXX to the property address attached to the mortgage that was paid off and where I no longer live even after I submitted an address change the first week of XXXX. The representative also confirmed the escrow refund was mailed to my new address. He suggested I wait to until XX/XX/XXXX before requesting a stop payment and a new check reissued or a deposit of the refund into my Pentagon savings account which he said was also an option. 

As of XX/XX/XXXX, I have not received the refund check. I called XX/XX/XXXX to request the alternative option of depositing the refund. Once I was connected with a representative, I first asked if she could confirm the address the refund check was mailed. The representative said there was no way to confirm but could only assume it was mailed to my new address. This is a different response than the last representative which increases my concern the check was not mailed to the correct address. I then requested a stop payment of the original check and the refund deposited into my Pentagon savings account. The representative said this request would be possible, but it would take 2 weeks for the stop payment to be processed and then the refund would be deposited. This was not explained when I called XX/XX/XXXX by the first representative I spoke with. I am closing on a new residence XX/XX/XXXX and was depending on this refund to go towards closing cost. 

According to XXXX Timely escrow payments and treatment of escrow account balances, Pentagon is required to refund any escrow amounts within 20 days XXXX excluding legal public holidays, Saturdays, and Sundays ) of a borrower 's payment of a mortgage loan in full. My mortgage was paid off XX/XX/XXXX. 20 days not including weekends or legal public holidays would be XX/XX/XXXX. Pending I do not receive the original check mailed by then, what recourse do I have as a protected consumer? 

Additionally, each time I call Pentagon to address questions regarding my mortgage, wait times are unusually long which makes it difficult to call them to get information. I waited on hold for 2 hours and 17 minutes on XX/XX/XXXX before speaking to a representative and average wait time has been 45 minutes for the past times I've called. 

Thank you for your assistance.
Consumer complaint received 2023-10-26
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc. (MA)

I made a monthly payment ON DUE DATE XX/XX/2023, and received a confirmation email. However, it has been XXXX business days and I logged into Aidvantage and it is saying payment returned. I never received notification of this. I also noticed as I checked on my withdrawal status throughout the week at my bank and Aidvantages website, some days it will appear the payment posted and others would still reflect I have a past due amount. My bank information is correct and I made my payment on time, so why is interest accruing on the higher balance when I made my payment!!! It feels fraudulent.
Consumer complaint received 2017-12-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Telerecovery Corporation (LA)

I have contacted the debt collector, TELERECOVERY, via certified mail due to them have reported negative items on my credit report. I sent a letter to them and have given them over 30 days to contact me. The letters I sent to them asked them to validate the accusation and to send proof of what they are reporting. It is my right to ask for validation about any accusations concerning a debt. I let them know that it violates FCRA 15 U.S.C. 1681i, all unverified account must be promptly deleted. It is damaging my credit worthiness. 
TELERECOVERY, medical collection balance, {$110.00} U.S. certified mail tracking # XXXX XXXX XXXX XXXX XXXX ; mailed off XXXX/XXXX/XXXX, delivered XXXX/XXXX/XXXX @ XXXX
Consumer complaint received 2021-05-08
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: CCS Financial Services, Inc. (VA)

On XX/XX/XXXX a collection account was placed on my credit report from CCS Collections and it says the original creditor was XXXX insurance. I have never had any products with XXXX nor have I ever seen or heard of this debt. My report states the collection was assigned to the agency on XX/XX/XXXX, yet it just popped up on my XXXX  credit report on XX/XX/XXXX and Ive never received correspondence regarding the debt. I spoke with an agent from XXXX insurance on XX/XX/XXXX and gave her my social security number as well as many other personal identifiers to see if she was able to find any accounts, open or closed, under my name. Nothing was found as Ive never been a customer with them. I then spoke with the collection agency directly on XX/XX/XXXX and the representative on the phone wasnt able to pull up an account in their system with my name, address, or social. Both the collection agency and original creditor say they have no record of me in their systems, yet I have this collection shown on my report. I attempted to reach out to XXXX and they have not been helpful with this. Another thing to mention is under remarks this account states consumer disputes. Reinvestigation in progress. While I do dispute the validity of this account, I have never formally put in a dispute so I dont understand where any of the information theyre reporting is coming from.
Consumer complaint received 2022-04-28
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: EQUIFAX, INC. (NV)

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my consumer reports. The Credit Bureaus have stated that the XXXX XXXX  account was properly investigated and verified on several occasions ; but how is this possible if the Date Opened, High Credit, Credit Limit, Payment Status, Last Reported Date ( XXXX Equifax, XXXX ), Date Last Active, Date of Last Payment, Two-year Payment History and Comments not showing that I disputed this account are not accurate on all three reports? This is grounds for deletion / removal under the following : 15 U.S.C 1681 602 [ 15 U.S.C 1681 ( a ) ( 4 ) ] 623 [ 15 U.S.C. 1681s-2 ] 611.Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] See attached and have a nice day.
Consumer complaint received 2021-05-08
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1800.00}, {$0.00}, {$0.00}, {$200.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

2. XXXX CARD with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

-- COLLECTION ACCOUNT 4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$200.00} -This is not my account.
Consumer complaint received 2022-04-07
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2022-10-11
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. (TX)

I found improper use of my repot all are showing inaccurate on my report i need them deleted immediately and also need a copy of the original copy of the account send me a copy to XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX asap In accordance with the Fair Credit Reporting Act XXXX Accounts XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX 15 U.S.C 1681 Section 602 A. State I have the right of privacy 15 U.S.C 1681 Section 604 A. Section 2 : It also states a customer reporting agency can not famish an account without my written instructions