davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (SC)

I applied for a mortgage from Navy Federal jointly with my wife at the beginning of XX/XX/2021. We went under contract for the purchase of a home on XX/XX/2021 the contract was sent to the mortgage lender on the same day via email. The closing date on the contract was XXXX XXXX. I did not receive any contact from Navy Federal until 5 days later when a XXXX XXXX envelope appeared on my front door. It contained all loan documents with a locked in rate WITHOUT ever being sent a loan estimate and agreeing to lock in the rate. Finally I was able to reach my mortgage lender and he never admitted to his mistake and said the rate was locked in and there was no way we could get better rates. I took it upon myself to apply for the same loan again on XXXX XXXX but without my wife to see if I could get a better interest rate which I did by .75 %. I then had a new loan officer per my request after the terrible experience with the original loan and after all documents were submitted ( so I thought ) the loan was transferred without my knowledge to a now 3rd officer. It was the first week of XXXX when we had asked for the appraisal to be scheduled. It was scheduled for Thursday XXXX XXXX. During the week of XXXX I received no document requests or contact at all from the new Loan officer. We then heard back from Navy Federal during the next week of XXXX that they could not contact the Appraisal company. Until finally on Friday XX/XX/2021 the Appraiser contacted Navy Federal and said he couldnt do the appraisal because his wife was sick. I had made sure to ask my loan officer if everything was done other than the appraisal and she assured me it was. We had to write an addendum to the sale contract to extend closing to Thursday XXXX. On Monday XXXX the appraisal report was finally reviewed and approved by Navy Federal but it happened around XXXX XXXX XXXX XXXX so they couldnt get the file approved for a Thursday closing date. Then I had to reach out again on Tuesday XXXX to my loan officer to ask the status of the loan and she said they had questions about our rental property which I had clearly explained in the application process that the tenants were moving in XXXX XXXX and I had submitted a copy of the lease agreement. They also had questions about an allotment on my paycheck which went to an investment account. Which they also had statements for. So basically it sounded like they didnt even begin reviewing documents until the Appraisal was final. Now we have to again ask the sellers to extend closing even further to the right. During the time after our original closing date of XXXX we have been forced to stay in hotels until we could close. Our experience with Navy Federal has been horrific and I will never bank with them again.
Consumer complaint received 2020-06-25
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: Experian Information Solutions Inc. (VA)

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. Please remove these unknown items from my report. 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 Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

( 6 ) Fraudulent charges ( totaling {$1500.00} ) were made to my Capital One, N.A checking account via Debit Card on XX/XX/XXXX. After seeing charges I immediately canceled my Debit Card and informed Capital One of the fraudulent charges. I disputed the charges once posted to my account and was issued a provisional credit pending determination of claim. On XX/XX/XXXX, I received a form letter from the Bank denying my claim and the money with be withdrawn from my account on XX/XX/XXXX. I have opened an appeal of the denial with Capital One Bank. No person had every contacted me to discuss my original claim to make a determination. Furthermore, I have never lost possession of my Debit Card, nor authorized any person to use it. Capital One had sent a new debit card ( that I had not authorized ) via USPS to me to replace my debit card that was set to expire on XX/XX/XXXX. This card was sent before these fraudulent charges occurred. I have never received this card. I believe this card was intercepted, fraudulently activated, and used to make fraudulent purchases. I have complained of the missing/ activated card several times to Capital One when I complained of the fraudulent charges and, up until my last call to dispute their denial of claim, it was never noted on my account. I have asked several times for a person making the determination of my claim to contact me and no person has. I am further making a complaint for malfeasance and gross business practices for sending a replacement card without my authorization, letting said card be activated for use for credit purchases without my authorization, and, when fraud was reported and claim for re-imbursement was made, not contacting me to discuss what my complaint before making a determination. I have appealed my denial with Capital One Bank and have a claim number. I have also made a complaint to my local Police Dept. and with the XXXX XXXX XXXX Division of Financial Services in regards to the fraudulent charges.
Consumer complaint received 2020-11-24
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. (UT)

I sent out disputes to the credit bureaus multiple times and have yet to receive any correspondence from them. Out of all 3 buraus NONE of them have yet to get back to me or provide any results. I know that with Covid there is a delay but they can not flat out ignore my disputes for the items on my credit I need removed! They still have to legally provide results and respond to me regardless of this pandemic! They are reporting serious errors on my credit file and they need to provide me results.
Consumer complaint received 2020-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

FTC violations XXXX XXXX XXXX {$640.00} XXXX/XXXX XXXX {$1000.00} XXXX XXXX XXXX {$6400.00} XXXX {$1400.00} XXXX XXXX Inquiries : XXXX XXXX XXXX   XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX  {$1400.00}
Consumer complaint received 2021-09-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: EVERBANK, NATIONAL ASSOCIATION (PA)

I have retirement plans with TIAA and there holding my funds due to their bank errors. I cant see my balance and any activities with stocks going up or down. They have been promising me that the issues would be fixed but it seems like they dont know where the issue is and why my balance shows XXXX.
Consumer complaint received 2021-04-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (MA)

I apply for a refinance loan, and after the make me wait over 2 month, had me do An Appraisal that can higher than expected the changed the application process, they desided no to count my rental income ( reason unknown ) so my application was denied but they didnt even send me a letter or nothing. So after 2 weeks trying to get and answer they just said I have to re apply so they block me from getting a loan fron a deferent lender with the offer they did not honor, and help lower my score by summitting multiple applications
Consumer complaint received 2020-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One reported a 30 day late. I was called and they said I was late. They said they received my payment but the bank, ( XXXX  XXXX XXXX ) XXXX did not honor it. I called the bank and they denied that my check was returned. 

On XX/XX/XXXX I called and paid the XX/XX/XXXX and the XX/XX/XXXX payment this is less than 30 days. They have omitted the late charge of {$28.00}.
Consumer complaint received 2020-06-25
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. (TX)

FTC violations XXXX XXXX XXXX {$640.00} XXXX/XXXX XXXX {$1000.00} XXXX XXXX XXXX {$6400.00} XXXX {$1400.00} XXXX XXXX Inquiries : XXXX XXXX XXXX   XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX  {$1400.00}
Consumer complaint received 2020-05-08
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. (LA)

When reading up on the FCRA, I learned that if an account is reported on my credit report, everything within the reporting must be free from error which is not the case. You have failed to conduct a reasonable investigation and now I'm requesting from you the information you affirm to have firsthand knowledge of this account reporting with 100 % accuracy. I simply request that you remove this account in its entirety from my credit report. Based on my research, I'm requesting to further clarify your compliance with Metro2 Compliance. I also demand your agency to provide verification of documents that you have reviewed. Otherwise, delete these accounts immediately. 

These are the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-27
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (AZ)

To Whom It May Concern : Thank you for taking the time to read this letter. I am writing because I noticed that my most recent credit report contains a total of numerous late payments reported between XX/XX/2020 to XX/XX/2020 ] for several of my accounts. 
I want you to know that I understand my financial obligations, and if it were not for the Covid 19 Pandemic, I would have an excellent repayment record. From XX/XX/2020 to XX/XX/2020, I experienced a devastating financial blow from Covid 19 affecting my employment of XXXX years and ability to afford payments to my credit cards and mortgage temporarily. I did reach out to all my creditors to help accommodate during the pandemic, but I now have realized I was still reported in error and was never helped. Prior to Covid 19 I have never missed a payment on none of my accounts and had a 100 % repayment history. I made a mistake in not keeping an eye on my credit as this is the first time, I have used a credit reporting company, but moving forward, I will treat my credit with the utmost importance and have kept my eyes on every update to prevent any future errors. Since then, I have had a spotless record of on-time payments. 
I am planning to apply for a mortgage, and it has come to my attention that the missed payments on my record could hurt my ability to qualify. I truly believe that it does not reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payments for the following accounts. 
Nissan Motor Acceptance, Car Installment paid off. Dates Reported late XX/XX/2020, XX/XX/2020, XX/XX/2020 2020
Consumer complaint received 2021-04-27
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Direct Recovery Services, LLC (OH)

I received a call from Direct Recovery Services LLC. The guy XXXX XXXX called me a liar stating i did not have the money in my account on XX/XX/21 when I stated i had the money he said i was lying as they were trying to collect it but unable to but i did not see anything come across my account and he started to get rude and ruder with me so i just hung up the phone as this was getting no where and he laughed when i stated i did not have the money in my account currently. the amount was supposed to be {$210.00} on XX/XX/21 for a deb to XXXX XXXX and {$210.00} on XX/XX/21 also the previous guy called my grandmother as well and was rude as well and stated im more worried about him calling my family rather than paying a debt and antagonizing me.
Consumer complaint received 2021-04-27
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. (PA)

XXXX XXXX is reporting this account on my credit report Account # : XXXX ... XXXX have no idea what this account is even from ... i have asked for them to investigate it as well as all 3 credit bureaus and it comes back as verified everytime ... .I know they are not conducting a proper investigation into this as i see inaccurate reporting in the reporting ... ..the account is reporting as an open account and also a charge off ... it common sense tells me that it can not be both ... .i have attached a copy of the reporting for your viewing pleasure ....
Consumer complaint received 2021-04-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (KY)

I have a Checking and Saving account with the Chase Bank since last year and I get my pay every week in my checking account. I have submitted the request for home loan with Chase Bank more than 45 days ago and after verifying all the information such as credit score, social security information and other relevant information, Chase Bank issued a Pre Qualification on XX/XX/XXXX. 

Later on for further processing in order to proceed for the closing, I had submitted all the documents such as XXXX, all my legal documents ( Employment Authorization Document-EAD, Document of notice of action XXXX ) issued by USCIS, my Driving license issued by Kentucky, W2 forms of XXXX and XXXX, Tax return statements of XXXX and XXXX, information for the employment verification, bank statements of XXXX XXXX  and Chase bank which showed the funds available for down payment, closing and I have the funds more than the required amount. 

Chase Bank sent me the Closing Disclosures on XX/XX/XXXX and the closing date was scheduled to be on XX/XX/XXXX but it was delayed. 

But now, when almost everything is ready such as Condo inspection completed, the title documents were prepared, Condominium insurance, home appliances warranty and almost everything was prepared and were just for the new closing date. The seller too cooperated for the extension of the closing date. 

I was surprised when I came to know from the Chase Bank that I was not eligible for the loan approval as per the recommendation of the underwriting team. The reason for denying my mortgage loan is that I do not have a Permanent Residence status ( Green Card ) and I have the category of XXXX in my EAD ( Employment Authorization Documents ). I told them that I am in que to get my Green Card and it will take time. 

They would have done this verification for eligibility as the first step in the beginning, prior to issuing the Pre Qualification letter, Conditional approval and the Closing disclosures. They have wasted a lot of my time ( more than 45 days ) giving a false hope of approving the mortgage loan. I have missed other options available for me at that time. I am wondering at their immature system of working. 

I am a legal resident of USA and I have all the legal documents issued by USCIS. I have filed my tax returns for the years XXXX and XXXX and I have submitted all those documents. 

Even though my category in my Employment authorization is XXXX, I am still eligible for the mortgage loan. The Mortgage report says that a foreigner with valid EAD is still eligible for Mortgage ( XXXX XXXX XXXXXXXX ) whereas the decision of the underwriting team of Chase Bank is contradictory. 
I am in stressful situation at this last moment and I have spent money for the Condo inspection ( {$300.00} ), paid the services charges to my realtor company ( {$300.00} ) and even the Chase Bank charged {$500.00} towards the mortgage processing fee.
Consumer complaint received 2021-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ACIMA CREDIT, LLC (MI)

Ive had a installment plan with Acima and Ive paid the balance off, but they keep lasting I owe them {$530.00} when I dont and reporting every month as delinquent, yet it says the account is closed and sent to collections. Its really effecting my credit report. Ive called and sent letter and nothing has changed.
Consumer complaint received 2021-09-20
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: CITIBANK, N.A. (CT)

Dear Sir / Madame : I had contacted my credit card company, Citibank, to help reverse an {$80.00} charge from XXXX. The amount was from my XX/XX/2021 car rental. The first part of the amount was the Fuel Purchase Option, {$45.00}. And the other part was for XXXX XXXX, {$34.00}. 

I would've reviewed the agreement before leaving the airport after pickup. However, the attendant said the " system was down '' when I was checking the car out. So there was no rental agreement to preview. The only agreement I had was the one I used from my company 's travel agency. Which was for ~ {$190.00} for the week. 

As a matter of fact, I returned the car with a full tank. So, again, the FPO is not something I signed up for. 

I reached out to Citibank and it gave me a temporary credit which they now have reversed. Meanwhile, XXXX just sent me a letter saying I actually owe them {$80.00} when in fact I've already paid Citibank that amount and am waiting for the permanent credit. 

Appreciate your help in reversing {$80.00} from XXXX XXXX Citibank VISA. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-09-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MI)

I took out a mortgage with a local lender and they sold the loan to Fannie Mae XXXX XXXX XXXX. The servicer went from them to Wells Fargo. I received a notification of this change on XX/XX/2021. 

I went on Wells Fargo 's website and attempted to register my account to set up online banking to monitor my mortgage. During this process Wells Fargo requests my SSN and my Loan #. After entering these Wells Fargo states they have to send a text message to verify I am who I am. The phone number that WF has is not mine. I call their support line and after 4 or 5 calls now I am still at square 1. They were able to update my phone number in their system but I am still not able to register to create an online account.

I have 0 faith in WF and I have no trust in their ability to service me or be honest. What adds to this is there are no Wells Fargo physical locations in Michigan ( the state I reside in ). 

I am unable to get an answer as to where Wells Fargo got the incorrect phone number, I'm also unable to get a clear answer as to why I'm supposed to " wait a few days and call back '' to see if they can set up it up then. How can someone be a servicer of a loan and not have a physical location in the state they are supposed to be servicing? Seems like a sham and that it shouldn't be legal. I fully understand that when I signed my loan documents I agreed that the lender can sell my loan off or transfer it to a new servicer. 

My issue is, how can a servicer not even be in state? The rep at Wells Fargo told me to go to a physical location to verify my identity and get my email address and phone number updated, I had a good chuckle at that. Ridiculous.
Consumer complaint received 2020-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (ME)

I was advised, without any prior warning, that one of my longest open lines of credit was being closed. I was advised by Citibank that the account had not been used recently and they had the right to close it. As a result, my credit score took a significant hit, as they both increased by debt to credit ratio AND reduced the average age of open accounts. When contacted they REQUIRED me to reapply for the credit line, which they then declined- causing another inquiry on my credit score. Citibank is attempting to cause me financial harm when I have never missed a payment on any other credit line I have with them.