davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: ID Analytics, Inc. (CA)

XX/XX/XXXX Sage Stream said they have lifted all freeze/fraud alerts on my account. 
XX/XX/XXXX - I sent a fax to lift all freeze/fraud alerts as well. 
I have called XX/XX/XXXX and XX/XX/XXXX to confirm and triple confirm that there are no longer any freeze/fraud alerts on my account. I was told there was no longer any freeze/fraud alerts. I applied to XXXX XXXX XX/XX/XXXX and XX/XX/XXXX and have been told on these 2 separate occasions there is still a freeze/fraud alert on my account. I have sent another fax effective Sunday, XX/XX/XXXX to get the freeze/fraud alert removed again. I want them to be held accountable for wasting hours of my time.
Consumer complaint received 2019-10-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivable Solutions, Inc. (MO)

My husband and I owed XXXX XXXX medical bills and some of it were sent to the collections agency RECEIVABLE SOLUTIONS. In both patients, we had XXXX   auto-debit our bank account. On my account, I have Receivable Solutions auto-debit my bank account. My husband 's collection agency amount was not on auto-debit nor was it being paid because XXXX XXXX told him not to worry about it for now and not to pay it. Our medical bills go back late XXXX to XXXX. In any case, on XX/XX/XXXX, I went online to pay ALL OF WHAT WE OWE XXXX XXXX - both my husband 's and mine. Then, on XX/XX/XXXX, I called Receivable Solutions directly and asked for the grand total of his account and how much longer did we have to pay for it. I do not remember the actual figure but it was not {$900.00}, it was less. I was told that if I pay right then and there, that they were going to give me a 20 % discount and it totaled to {$700.00}. I PAID IT and I kept asking the person if I owe anymore for his account and I was assured that ALL WAS PAID OFF. Today, XX/XX/XXXX, I go to see my husband 's XXXX XXXX online account was showing that we still owe Receivable Solutions {$230.00}. I called them right away and I was even told that the actual amount we owe them still was {$760.00}! That they made a mistake and missed an account ( charges )! Meanwhile, we had received NO documentation, NO communication from them about it. It was a surprise. And furthermore, to my horror, they did the same thing with my account with them! After I fully paid my husband 's amount that we owe them, I next fully paid mine. And my XXXX XXXX online account today was showing that I still owe them money! It is ridiculous! We received NO CALLS, NO COMMUNICATIONS, NO DOCUMENTATION of said " mistakes. '' Please help us. We are good payers and we are regular hard-working people. I believe Receivable Solutions is scamming us. Please help.
Consumer complaint received 2021-05-28
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MidAmerica Mortgage Inc (OH)

On XXXX, Mid America my mortgage servicer levied new debt to my mortgage balance. The servicer increased my mortgage debt to {$100000.00} an increase of {$6700.00}. My statement balance for XXXX is attached - {$96000.00} Mid America never contacted me regarding the new debt.

Mid America reported the new debt to the national credit reporting agencies and pursued collection. 

The actions of my mortgage servicer caused serious financial injury and undue hardship for me and my family. The new debt precluded me from accessing the interest terms that I was entitled to. Since Mid America made no effort to contact me, the debt popped up in the middle of refinancing our family home.

Mid America violated the Fair Debt Collections Practices Act previously on XXXX. I tried at that time to resolve their reporting errors directly with the servicer, also to no avail. However, Mid America did respond to the CFPB on XXXX after they received notice of my complaint XXXX # XXXX XXXX. Their response explained their corrections and confirmed adjustments submitted to the credit reporting agencies. That was my initial request. 

This complaint is for changing the legal status of my mortgage debt on XXXX, failing to contact me, and pursuing the collection of a false debt. This debt prevented me from closing on my new mortgage refinance with a new bank with more favorable terms. I had to accept the interest terms with the false debt attached to my credit file as valid and due, or lose all my fees and miss my closing date in the middle of my new refinance. 
Mid America damaged my creditworthiness, again, to potential lenders when refinancing my home mortgage.
Consumer complaint received 2021-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (TX)

I havent been able to access my Citibank account for 2 weeks before XXXX I got in contact with bank as soon as I realized I couldnt use My card. I spoke with an agent and the representative said my account was under a fraud block and that the account was referred for closure. I was trying to see if I could open a new account to transfer my funds but they said I would have to wait for a letter notice in the mail, and that my check will be disbursed to me within 60 to 90 days of account closure the bank account is still not closed and its blocked I cant get to any of my funds which is exactly {$4200.00} in the account that they wont allow me to withdraw. The dates Ive called are expanded between XX/XX/XXXX and XXXX the days before my account was blocked by the fraud department. They wouldnt allow my to verify my identity because I had to change my phone number 2 weeks before because of personal reasons. They locked my account with no notices or statements regarding the state of my account being blocked at all.
Consumer complaint received 2021-01-06
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. (CA)

As an XX/XX/XXXX CONSUMER of currently unproven compliant and or valid misinformation, I DEMAND you remove immediately the claim ( s ) as related to the alleged delinquencies and claim of CHARGE-OFF/ COLLECTION and further ANY ASPECT OF ACCOUNT potentially injurious to me. Prove alleged derogatory reporting claim of CHARGE OFF/COLLECTION is fully true, correct, complete, timely, valid, physically verifiable by document testimony certifying all data of allegation ( s ), every notation, all aspects, dates and balances, payments and balance calculations, accounting and audits, Identifications and personal identifiers, pay statuses and source codes, all 426-characters of the mandatory correct and complete P6 statement with all of its trailing fragments, each of the sequential 386-pieces of confirmation to collection, creditor classification code, collector class code ( if any ), and all aspects of requisite perfect reporting, mentioned or not INCLUDING TO THE MANDATORY PERFECT METRO 2 FORMAT REPORTING COMPLIANCES! Compliance of reporting and VALIDITY of claim ( s ) are MINIMUM MANDATORY CRITERIA to REPORT, NOT OPTIONAL. You MUST adhere to my state and the applicable federal reporting laws or else be subject to civil action and suitable penalties and or fines for your dereliction, willful in nature OR in IGNORANCE matters not! REMOVE any and all aspects of delinquency ( ies ) and or derogatory allegation ( s ) now to OBTAIN, RETAIN, or to return to reporting with legal standing in full accordance of requisite mandates of law, be them mentioned here or not! I DEMAND you do so TODAY, even HERE and NOW! 
I demand the following accounts be verified or removed immediately.
Consumer complaint received 2022-03-27
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

THIS COMPANY HAS REPEATEDLY DENIED ME ACCESS TO A CREDIT LIMIT INCREASE DUE TO THE INCORRECT REPORTING FROM THE CREDIT BUREAS. I DEMAND A CREDIT LIMIT INCREASE TO ALL MY CAPITAL ONE CREDIT CARDS. I AM A GREAT CUSTOMER AND WANT TO CONTINUE TO DOING BUSINESS WITH CAPITAL ONE BUT IM A BEING WRONGFULLY JUDGED I have reached out to XXXX XXXX, Attorney General of Florida and voiced my concern on this matter.
Consumer complaint received 2021-06-09
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 — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION (MI)

Asked credit acceptance with a goodwill letter cab they help with 2 late payments with me having a illness causing me to be late then later covid put me out of work. No reply to emails
Consumer complaint received 2019-10-25
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)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to XXXX transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2021-05-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

On or around XX/XX/XXXX I received an email XXXX dba Resurgent Capital Services and Pinnacle XXXX  Services LLC stating I owed a debt from XXXX for XXXX XXXX. I sent an email stating to validate the debt noting that the debt was over 15 years old. I never heard else until XX/XX/XXXX. 

I received a letter in the mail from another debt company XX/XX/XXXX called XXXX XXXX XXXX, requesting triple the amount of the original debt, in addition XX/XX/XXXX the same letter from XXXX dba Resurgent Capital Services and Pinnacle XXXX Services LLC validating the debt.

This debt is not mine as I have informed them and it is very unethical for two to be collecting on the same debt for two different amounts.
Consumer complaint received 2022-05-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I paid a individual XXXX and on XX/XX/XXXX I also paid this individual XXXX for consultation and aide for housing and student loan deferment. This individual never showed up to the meeting after I paid him. I filed a police report filed a claim with my bank as well as XXXX XXXX. Chase refunded me the money initially and then reserved the claim, and took the money back out my account without any reasoning as I have proof through text messages and phone calls that this individual never showed up or provided any service made out to me. 
XXXX from chase bank states that since the money is not recoverable they will not refund me money.
Consumer complaint received 2022-05-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (FL)

I purchased a home ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) at the XXXX XXXX foreclosure auction on XX/XX/XXXX. After over a year of being the owner on title and never being contacted by XXXX XXXX XXXX or Selene Finance I went to sell the property ( XX/XX/XXXX ). I was told there was a first mortgage with XXXX XXXX XXXX that would need to be satisfied. XXXX  XXXX XXXX told me they sold the loan to Selene finance. I have been calling and emailing Selene finance for months trying to get payoff info but Selene has told me that they have no foreclosure department for me to talk to and no available managers to help. They take my name and number and tell me I will hear from a supervisor within 48 hours. I have been calling three times a week for two months and have not heard back. Meanwhile they posted two separate notices on my property stating they while be re keying and boarding up the property. My buyers title company has tried many times to contact Selene with no luck. I hired an attorney and he is trying to get the mortgage payoff, but has been met with the same silence from Selene finance.Also they allowed the former owner to collect surplus funds from the foreclosure auction that should have been used to pay down this first mortgage.
Consumer complaint received 2019-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BB&T CORPORATION (TX)

On or about XX/XX/XXXX I opened a credit card account with BB & T Bank. 

I began using my card and making timely payments. On or about XX/XX/XXXX I attempted to use my card and the charge was declined. I called BB & T and was told that they did not know why my card was declined and to try again. I attempted to use the card the next day, again declined. 

I called BB & T and was told that I needed to speak to someone in a specific department ( they would not tell me the name of the department ) and that the person was out and would call me back. 

I never received a call back. I proceeded to call BB & T several times seeking information over the next few days, finally I was told by someone that " we are closing your account, you will receive a letter in the mail. '' On or about XX/XX/XXXX I received a letter in the mail from BB & T stating they were closing my account and reason given was " no longer maintaining relationship with this customer. '' I had a balance with BB & T when this happened, of approximately {$1000.00}. I had autopay setup and the balance was subject to a promo rate of 0 % APR. I called and asked BB & T If I needed to pay the balance in full or if I could just let the autopay run its course. I was told that while I could not make any new charges, I would still have access to my online account and could let the autopay run or make additional payments. 

On XX/XX/XXXX, I noticed that on my XXXX  credit file, the account has been listed as " charged off '' causing my credit score to tank. My last autopay on the account was on XX/XX/XXXX. I called BB & T to inquire what had happened, and was simply told " you should dispute it. ''
Consumer complaint received 2021-05-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The following Child Support accounts are showing on my credit report in violation of Law 15 US Code 1681 B : Permissible Purpose. I would like them removed.
Consumer complaint received 2021-12-28
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. (CA)

1-This company called ( XXXX ) is involved in reporting erroneous information about me to experian at the status level where they write : XXXX. 
For recall, the account was settled and paid therefore the status shouldn't be charge-off anymore. 
I have attached proof of settlement and paid off on my complaint. 

2-This company ( XXXX  ) is also reporting wrong address information about me.
Consumer complaint received 2021-05-31
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (LA)

For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC
Consumer complaint received 2022-07-17
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. (PA)

Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!
Consumer complaint received 2022-11-09
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 9 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Consumer complaint received 2022-12-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

Loan ending in XXXX LoanCare a division of XXXX. 

I received notice of return payment for the my XX/XX/XXXX mortgage payment with Loancare. I was incredulous as I knew that I had made a payment on XX/XX/XXXX using their " Paynow '' feature. I only have XXXX accounts with XXXX  that I registered with LoanCare to deduct my monthly payments from. Those XXXX accounts are the only XXXX accounts I have ever registered to make payments from. I do make payments on another entirely different mortgage to XXXX mortgage also a division of XXXX XXXX. Somehow my LoanCare account deducted a payment or I should say attempted to make a payment from the account I use to pay the XXXX mortgage. I have a 12 month payment history that all of my LoanCare payments come out of the XXXX XXXX  accounts. I spoke with customer service and they told me that a cross over payment could never have happened and that I should delete all my payment accounts with LoanCare and start over. My reply is if I never registered the bank account, then how could I delete it? I believe this is a technical glitch with their " XXXX '' feature. The web portals for XXXX and Loancare are obviously maintained by the same technology company as they are very similar. I am adamant that I would never make a payment from any other account I am now upset that my credit report has taken a hit for having a late payment. XXXX XXXX
Consumer complaint received 2021-05-31
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fairway Independent Mortgage Corporation (NV)

I initially worked with one lender until my realtor group highly recommended using XXXX XXXX at Fairway ( NMLS # XXXX ) due to many positive factors. ( XX/XX/2021 ) After talking to XXXX XXXX, he ensures that he could beat the deal that the other guys were offering and was " 2x '' faster than them in closing. 

( XX/XX/2021 ) After him talking me into using his service, I started the application, ran my credit, and provide him with my personal information. Until today, I have not received a Pre-Approval Letter or Loan Estimate information. XXXX mentioned he gave the Approval Letter to my realtor, which is fine, but I have not seen any loan estimate 3-days after my approved application. 

( XX/XX/2021 ) I have now started escrow and asked him to provide me an " Official Loan Estimate, '' and he is now asking me to obtain one from the other lender I was first working with. Since his group was the last company I was working with, I would expect them to be providing this information since I had already run my credit and provided all documents ( 20+ ) they requested. Now that I am asking for them to provide me a loan estimate that I have never received, he says, " I can move forward, yes. But the issue is- if I get moving full speed ahead and spend 6 hours putting things together and all that- and then navy comes back with a silly rate that I can't match- it's been a waste of all of our time, yours included. '' In reality, the " waste of time '' is working with XXXX XXXX that tricked me into working with him. 

XXXX XXXX at Fairway ( NMLS # XXXX ) has provided me no communication or any further documents ( Pre-Approval Letter or Loan Estimates provided to the client by law ). I am now humbly asking for an " Offical Loan Estimate, '' and if I decide to continue business with Fairway, I would like another loan officer. Poor Service.
Consumer complaint received 2022-12-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (UT)

My loan was serviced by FedLoan Servicing XXXX XX/XX/2022 I requested a refund of my student loan payments made during the pandemic totaling {$10000.00}. 
I was told the request was successful and I would receive the funds in 6-12 weeks. 
On XX/XX/2022 I called to check on the refund because I hadn't received any information or money. 
I was told by FedLoan Servicing that the money was already transferred to me in XXXX. But I haven't actually received any money. No one will tell me where it was sent.