davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: First Technology Federal Credit Union (OR)

My mortgage ( principle, interest, taxes, and insurance ) are through FirstTech Federal Credit Union. I purchased my house at XXXX XXXX XXXX XXXX and moved in on XX/XX/XXXX. In XX/XX/XXXX, I noticed my mortgage payment had increased by {$610.00} with no notice from FirstTech. Trying to get FirstTech to talk to me about this at first was laborious. FirstTech never sent me a notice that my escrow account was short and I was never offered an option to pay the shortage- instead FirstTech unilaterally increased my mortage. Further investigation discovered that FirstTech paid XXXX County Taxes even though on my closing statement from XXXX XXXXXXXX XXXX XXXX it showed that XXXX XXXXXXXX XXXX XXXX had held back taxes to be paid as part of my transaction due to when I purchased the house. This led to XXXX County refunding the taxes paid by XXXX XXXX XXXX  XXXX which never made it back to me and into my FirstTech escrow account. I had to talk to XXXX County to find out this information and then provide it to FirstTech. FirstTech has not followed 12 CFR Part 1024. Due to this event and the lack of transparency by FirstTech I've had to take time out of work, had to go through a serious amount of stress wondering how there could be a $ XXXX dollar shortage that FirstTech did not say anything about for a year and never talk to me about. Additionally, I pulled {$9000.00} out of my XXXX XXXX XXXX retirement account because XXXX told me I was on the hook for the shortage ( when they screwed up ) and that will cost me $ XXXX due to the XXXX % interest that I'll now have to pay to cover the pull let alone the lost money from the investment. I was told by XXXX at FirstTech that FirstTech had XXXX obligation to inform me of the escrow shortage and provide options to make it right ( had it really been a shortage and not a mismanagement of funds by FirstTech ). After talking to XXXX XXXXXXXX XXXX XXXXXXXX, the representative XXXX provided me more customer service and help in 5 minutes than FirstTech has in nearly three weeks. The issue still remains that FirstTech paid the taxes and took money out of my escrow account in error and is now blaming XXXX XXXX. It even took me pushing XXXX to put the overcharge from XXXX back in my account- she wanted me to leave it there because " well you know you might have to pay a little more next year anyways so why not get ahead '' ... ... how would I know if I was ahead or not when FirstTech does not provide the required notices of any issue and does not audit their accounts properly to see problems that are a year old??!?!?!?!?
Consumer complaint received 2022-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Due to this item being on my report it is causing me to lose out on career opportunities as well as being a better credit profile. Under the 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Please Update the following accts as the balance are wrong. Some of these have not been updated since XX/XX/2022. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX. These balances being incorrect is causing my debt to ratio to be off balance which is causing credit score to be lower than it should be.
Consumer complaint received 2020-08-24
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fairway Independent Mortgage Corporation (MI)

I recieved a preapproval letter for XXXX, FHA in XX/XX/2020. Due to Corona virus it expired. I recieved a second preapproval for a conventional loan. Due to the mortgage company pulling my credit seven times my credit score dropped. Which red flagged me so I didnt qualify  for the XXXX or the conventional loan at this point. She they went back to the FHA. XXXX and my daughter are on XXXX ( she is a minor ) they asked for proof of her income for 3 years. Social security wrote a letter stating she will recieve dependent benefits until XXXX XXXX, her school also wrote a letter stating she will need services until XXXX years of age. This paperwork is not acceptable to them. If they would not have pulled my credit seven times I wouldn't have to have those letters. Now we will be homeless because my lease is up where I am and we were supose to close XX/XX/XXXX. It's now XX/XX/XXXX and they are denying me.
Consumer complaint received 2022-07-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XX/XX/2022 I got a phone call from XXXX XXXX XXXX XXXX Bank of America, and the associate was telling me over the phone that i was supposed to process a transaction through XXXX, and this money would be stay on my checking account, then i transferred the amount of {$3400.00} and disappeared from my account. I want my money back, me and my wife are hard workers, it is a lot of money, please help us out to get our money back, in name of Jesus.
Consumer complaint received 2022-10-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

Our business opened a new business checking account with CitiBank branch at XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX on XX/XX/2022. According to Citibank advertisement, we are qualified for the new account sign-on bonus after completing the following : 1/ Deposit a certain amount within 30 days and maintain it for 60 days. 
2/ The bonus will be credited to our business checking account within 90 days. 

We made the deposit on the same day XX/XX/2022 and maintained the balance until today XX/XX/2022, more than XXXX days. We should be entitled to the new account bonus by now as advertised by Citibank. Yet, when we came to the Citibank branch, its employee blamed its back office, but when I called its back office ( XXXX ), its employee then blamed the branch. They are giving me a run around to Customer service, to XXXX XXXX branch to Business support back office for more than 1 month WITHOUT any results. Every time I contacted them, Citibank would have a different stories. 
I believe Citibank is conducting a false advertisement to lure consumers to deposit money into its bank. 
I
Consumer complaint received 2022-07-22
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: Experian Information Solutions Inc. (IL)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-06-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I initiated a wire transfer from Bank Of America XXXX Checking Account to my personal XXXX IRA account with XXXX XXXX on Saturday XX/XX/XXXX. I saw the wire transfer completed on XX/XX/XXXX at XXXX XXXX with BoA and debited from my XXXX Checking Account. I followed up with XXXX XXXX on XX/XX/XXXX and they did not receive the amount. 
The money was routed through XXXX XXXX using XXXX Clearing account for the benefit of my XXXX IRA account. 
I reached out to all the three banks involved ( BoA, XXXX XXXX and XXXX XXXX XXXX multiple times today and still unable to get the issue resolved and tracked the fund debited from my BoA Account. The Federal Rerserve Wire Reference Number for this transfer is : XXXX from Bank of America. 

Can you please help resolve the issue at the earliest. 

Thanks XXXX XXXX
Consumer complaint received 2020-08-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Adjustment Corp. of S.W. FL., Inc. (FL)

I've made two attempts via the XXXX  dispute process to resolve this matter, the most recent being XX/XX/XXXX. XXXX XXXX and I had a dispute over the amount of a larger bill that also included this bill of {$28.00}. Once resolved, payment was made to XXXX XXXX on XX/XX/XXXX. I have not received any written attempts from Professional Adjustment, Corp of SW FL Inc. to my knowledge requesting payment. I only noticed the erroneous collection, reported to the credit bureau, on my credit report. I have provided proof of payment and the above information to XXXX  who has stated that Professional Adjustment , Corp of SW FL Inc. has reported that the collection was correct. 

I have not been delinquent on any bills over the past 20+ years, let alone one for {$28.00}. My credit score ranges from XXXX depending on the credit reporting agency and report date. To have an erroneous delinquent credit collection on my report is negative and the company has not proven that I owe money to them. I have proven that I don't, but XXXX  have not taken this off my credit report. This complaint is both with Professional Adjustment , Corp of SW FL Inc. and XXXX  Credit Bureau, but I didn't want to waste CFPB time by making two separate reports for such a small amount.
Consumer complaint received 2022-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On XX/XX/2022 and XX/XX/2022, I sent a request for an investigation into some accounts that did not look correct on my credit profile. 

XXXX XXXX XXXX Account is reporting as Late 60 days, but the credit bureaus were unable to provide a statement proving the account was paid late. I am requesting all late payment be removed and payment status updated to " Current. '' XXXX XXXX XXXX Account is reporting late payments, but the credit bureaus were unable to provide a statement proving the account was paid late. I am requesting all late payment be removed. 

XXXX XXXXXXXX This account is showing as a collection, but it also show a Past Due Balance. The bureaus were unable to produce the document proving I owe the dollar amount listed. I am requesting this account be deleted immediately. 


XXXX XXXX Account is reporting late payments, but the credit bureaus were unable to provide a statement proving the account was paid late. I am requesting all late payment be removed. 

XXXX XXXX This account is reporting as a collection and closed on XXXX but 120 Days Late and open on XXXX XXXX This account is not FCRA compliant and should be deleted immediately.
Consumer complaint received 2020-08-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (MA)

Hello and how are you? I was shocked today when I reviewed my credit report and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from ( SWC Group XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX ( XXXX ) XXXX ) that I never have dealt with before and i see a balance of {$240.00}. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is  your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4.  Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2020-08-24
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NM)

CitiBank closed our Costco Anywhere Visa account with NO WARNING based on, I believe, a statement about our being behind in our payments. ( I can no longer find that email. ) Reviewing our payment history since XX/XX/XXXX, the only payment missed was the XX/XX/XXXX payment. This payment was missed purely because of human error but no contact was made notifying us that the payment had been missed. 

When the XX/XX/XXXX payment was made, the payment was made in the amount of the required minimum payment shown on the account. 

This closure of our account as destroyed our credit score! 

I have attempted to contact CitiBank to no avail ( put on hold forever ). 

We do not care to have the account re-established but do need to find some way to resurrect our credit score!
Consumer complaint received 2020-08-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Firstsource Business Process Services, LLC (NC)

One Advantage LLC has reported a false medical bill charge to my credit report. It states I owe {$52.00} for date of service XX/XX/18 for a doctor that we don't go to. We live in North Carolina and this is for a doctor in Kentucky. I have contacted the doctor and they have no record of us being there on XX/XX/18. Please remove this fraudulent charge immediately. One Advantage has damaged my credit score.
Consumer complaint received 2023-02-21
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. (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the following accounts listed on my credit report. The information reported is inaccurate and does not reflect the actual status of these accounts. I request that you investigate and remove these items from my credit report as soon as possible. 

1. XXXX XXXX late payment account : I have never been late on a payment to this creditor. 

2. XXXX XXXX collection account : I have no knowledge of this account and do not owe any debt to this creditor. 

3. XXXX XXXX charge off account : This account has been paid in full and should not be reported as a charge off. 

4. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX collection account : This account was settled and paid in full, and should not be reported as a collection account. 

5. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX collection account : This account was also settled and paid in full, and should not be reported as a collection account. 

6. XXXX XXXX XXXX collection account : This account was settled and paid in full, and should not be reported as a collection account. 

7. XXXX XXXX XXXX XXXX charge off account : This account has been paid in full and should not be reported as a charge off. 

8. XXXX XXXX XXXX charge off account and 9. XXXX XXXX XXXX charge off account : These accounts have been included in my bankruptcy and should be reported as such. 

9. XXXX XXXX XXXX charge off account : This account has been included in my bankruptcy and should be reported as such. 

10. XXXX XXXX XXXX XXXX XXXX XXXX collection account : This account has been included in my bankruptcy and should be reported as such.
Consumer complaint received 2020-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have written good will letters to take off late XXXX  payments results to accounts that are closed due to consolidation and I want to ask to remove those accounts that are no longer owed or exists off my credit report.
Consumer complaint received 2022-04-06
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (DC)

My name is XXXX XXXX. I have new information associated with prior complaint # XXXX. On XX/XX/2022, NAVIENT received a letter requesting information for the purpose of validating an alleged debt. It is now XX/XX/2022 and no correspondence from this company has been received. NAVIENT has purposefully ignored my request for validation of the alleged debts, thus violating my federal rights. NAVIENT is still illegally reporting negatively to all consumer credit reporting agencies, which is another violation. 
If documentation in the form of account ledgers, promissory notes, disclosures, etc are not received from NAVIENT, 5 days after receipt of this complaint ; it will be assumed that the alleged accounts are not valid and all collection attempts must cease. Also, all accounts must be deleted from all consumer reporting agencies.
Consumer complaint received 2020-08-24
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (VA)

I am a current VA mortgage holder with Freedom Mortgage. I was called by XXXX XXXX NMLS # XXXX, on or about XXXX XX/XX/2020, XXXX ext XXXX and emailed by his XXXX XXXX XXXX XXXX # XXXX, XXXX XX/XX/2020, XXXX regarding refinancing my home loan to 2.375 %. I completed all the paperwork they sent digitally and Freedom Mortgage handed my closing off to XXXX XXXX XXXX ( XXXX # XXXX ). XXXX XXXX   XXXX sent a " Borrower Confirmation '' email stating the date of closing would be XXXX XX/XX/2020, XXXX EDT at my home address. The email also stated that the signing agent conducting the closing w/ Freedom Mortgage would be XXXX XXXX XXXX XXXX DBA XXXX XXXX XXXX XXXX. On XXXX XX/XX/2020, the signing agent did not show up at my home, did not call, did not text or email. I have yet to hear from Freedom Mortgage, XXXX XXXX XXXX or XXXX XXXX XXXX XXXX. I called XXXX XXXX and XXXX XXXX XXXX XX/XX/2020 and left voicemails. I also called XXXX XXXX, XXXX XXXX, XXXX and left a voicemail. The evening of XXXX XX/XX/2020 I emailed XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX. I have sent additional emails to these individuals on XXXX and XXXX XXXX. I have left three voicemails with XXXX XXXX and never received a call back. Freedom mortgage ( XXXX ) states that she has handed over my case to Freedom Mortgage Closing department and can do no more. On XXXX XX/XX/2020 I was on hold with the Freedom Mortgage " Escalation '' department for over 1 hour and 15 minutes before I hung up. On two other occasions I called Freedom  Mortgage customer service and provided a call back phone number. NO ONE from Freedom Mortgage has contacted me. In the mean time, all my personal information regarding the refinancing of my mortgage is out there somewhere and I am concerned that my home title could be at risk of fraud. I wrote a negative review on the XXXX website on Freedom Mortgage and I lodged a complaint on Freedom Mortgage webpage. At this point, I don't even care about the refinancing, I just want my data/title protected and this action to be closed. I need to be contacted by Freedom Mortgage Closing department so we can get this resolved.
Consumer complaint received 2024-12-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (AZ)

I requested 2 wire transfer in two separate dated : XXXX. XX/XX/year> for the amount of {$70000.00} XXXXXXXX XXXX of dollars. XXXX. XX/XX/year> another wire transfer amount of {$50000.00} XXXXXXXX XXXX of dollars. 
The two wire transfer was submitted to another financial institution domestically to my accounts. The fund never arrived in the destination accounts. few days after each transaction was submitted I went the bank, since the funds did not reach the destination account. The banker called the wire department and was told to file a re tract. For each transaction re tract was submitted 3 times. I never received any positive response and fund was never send to my account ( source account ). In my case Wells Fargo bank. I have in and out of 2 diferent Wells Fargo branches tried to retrieve my asset. but been getting lots of run arround by wire and various departments. In fact this issue was reported to a Wells Fargo regional consultant to track this fund ad return it to me. On Friday XX/XX/year> went to the branch that I meet the banker and Branch manager. Had a conference call ( on the phone XXXX XXXX ) and in the branch office banker and branch manager at : XXXX XXXX XXXX XXXX. XXXX, AZ XXXX for the final resolution. I stated if my fund is not deposited to my bank account by XXXX close of business. I will file a complain. No positive resolution from bank.
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 — Account information incorrect
Company: Shellpoint Partners, LLC (VA)

I always kept the mortgage paid months in advance. We had the home up for sell and had a contract for it so I did not pay the payment in the month of XXXX as the invoice showed XXXX due XX/XX/20 anyway. When the house did not close in XXXX, I then paid a payment in XXXX for the bill due XXXX and then paid another payment in XXXX. The account was current and showed the next payment due on XXXX when the house sold and closed on XX/XX/20 and the loan was paid in full. 
At no time was this houses payment in arrears as evidenced by the statements which I have attached. 
When the lender reported it to the 3 bureaus for both myself and my spouse they showed it in arrears for as much as 89 days from XXXX to XXXX and ruined our perfect credit. They dropped our scores over 74 points on all bureaus. 

Company is NewRez LLC but they report as Shellpoint Mortgage to the bureaus