davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I have XXXX mortgage accounts with Bank of America. They are not applying my " principal only '' payments to the principal balance. All of my " principal only '' payments are being made after my regular mortgage payment and prior to the next month payment, as I was told to do by a Bank of America representative. XXXX, XXXX and XX/XX/2020 I made over 20 " principal only '' payments and none were applied to the principal balance. I spent over 9 hours during multiple phone calls with representative, supervisors and the managers of supervisors attempting to get this situation resolved. No one could tell me the process to get my " principal only '' payments accurately posted to the principal balance. They said what I was doing should have worked. They attempted to blame it on a new software program and did not offer me an appropriate solution. I have to work extremely hard to get extra money to make " principal only '' and it is extremely frustrating when my money is applied to future payments ( principal and interest ). My loan can be paid off early without penalty but Bank of America Home Mortgage has made it difficult to do this. I need to know the process to make sure my " principal only '' payments are applied appropriately.
Consumer complaint received 2021-03-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (NV)

I applied for a refinance of my mortgage home loan on XXXX XXXX. I provided all loan Documents needed for the approval process. AmeriSave has a portal on their website to track the progress of my loan approval. AmeriSave showed my loan was approved on XX/XX/XXXX, and final closing disclosures were signed by me and submitted to the mortgage company. I signed the loan documents on XX/XX/XXXX with the Notary, who sent the signed documents to AmeriSave and was received by AmeriSave via ( XXXX on XX/XX/XXXX ). The loan was scheduled to fund on XX/XX/XXXX. As of this date, my loan has not funded. I was told by the escrow company, that AmeriSave has not sent the signed documents to them, so they can fund. I am not able to get a response from my Loan agent at AmeriSave, or the loan processor. Today is XX/XX/XXXX and I have no knowledge of the funding date of my loan. I am afraid my signed loan documents have been misplaced by AmeriSave or have been lost. 

Upon request, I can provide you with multiple emails and requests I sent to the employees who were handling my loan. I am experiencing Lack of communication and poor customer service and no follow up with the client, at both the mortgage company and the escrow company. 

I respectfully ask that you assist me in resolving this issue. 

Best Regards
Consumer complaint received 2021-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CT)

Equifax is furnishing reports from XXXX XXXX XXXX XXXX, but i did not give Equifax permission to do so. Pursuant to law 15 USC 1681b ( In general, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ) Equifax has violated my rights and broken the law because I have never given Equifax my written instruction to furnish this report.
Consumer complaint received 2020-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NY)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the XXXX XXXX XXXX XXXX  Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, Credit Karma and Credit Sesame, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2020-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2020-07-04
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: National Credit Systems,Inc. (TX)

The unauthorized account was removed from my credit report. National Credit Systems reduced the account by XXXX, added a fraudulent address to my credit report, and added it back to my credit file. XXXX  allowed this to happen.
Consumer complaint received 2020-07-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (AZ)

Navient will not let me pay off my loan. I have plenty of money in my account and they keep reversing my payments. As you can see below this has been happening for a while. I have continually emailed them and they will not fix this. Please let me know what to do. 

Sincerely, XXXX XXXX XXXX XX/XX/2020 Payment Reversal {$5300.00} {$0.00} {$0.00} {$5300.00} XX/XX/2020 Payment - {$5300.00} {$0.00} {$0.00} - {$5300.00} XX/XX/2020 Payment Reversal {$6500.00} {$0.00} {$0.00} {$6500.00} XX/XX/2020 Payment - {$6500.00} {$0.00} {$0.00} - {$6500.00} XX/XX/2020 Payment Reversal {$6900.00} {$0.00} {$0.00} {$6900.00} XX/XX/2020 Payment - {$6900.00} {$0.00} {$0.00} - {$6900.00} XX/XX/2020 Payment Reversal {$13000.00} {$0.00} {$0.00} {$13000.00} XX/XX/2020 Payment - {$13000.00} {$0.00} {$0.00} - {$13000.00} XX/XX/2020 Payment - {$27000.00} {$0.00} {$0.00} - {$27000.00} XX/XX/2020 Payment Reversal {$15000.00} {$0.00} {$0.00} {$15000.00} XX/XX/2020 Payment - {$15000.00} {$0.00} {$0.00} - {$15000.00} XX/XX/2020 Payment Reversal {$11000.00} {$0.00} {$0.00} {$11000.00} XX/XX/2020 Payment - {$11000.00} {$0.00} {$0.00} - {$11000.00} XX/XX/2020 Payment Reversal {$20000.00} {$0.00} {$0.00} {$20000.00} XX/XX/2020 Payment - {$20000.00} {$0.00} {$0.00} - {$20000.00} XX/XX/2020 Payment Reversal {$47000.00} {$0.00} {$0.00} {$47000.00} XX/XX/2020 Payment - {$47000.00} {$0.00} {$0.00} - {$47000.00}
Consumer complaint received 2019-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (CA)

My complaint is against US BANK regarding account # XXXX XXXX XXXX XXXX. Back in on XXXX XXXX I sent to the mentioned company a dispute letter, explaining to US BANK what had happen to me : that I never received my statements from XXXX or XXXX because my mail was stolen, therefore I incur in to 1 late payment on XX/XX/2019. I also filed a police report that I sent to them, with a Federal Trade Commission Report as well. This company not only disregarded my letter but also a police report with an FTC report. This company didnt even mark my account as disputed once they received my dispute notice, they arbitrarily decided to just leave the negative mark on my reports. I know the company has no obligation to remove account but they are in obligation of at least to make an in investigation according to the Fair Credit Reporting Act. In my dispute process the mentioned company incurred into multiple violations plus disregarding the mentioned documents I sent to them. I would not like to take this case to court but if US BANK does not provide a deletion letter for the negative mark ; I will have no other option but to search for justice in court. Im attaching letter I sent to them, the police report and the FTC report, including the proof of fax that they received all of my documents. I have a {$500000.00} loan pending because of this negligence. Thank you!
Consumer complaint received 2023-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (OH)

They are not showing all transactions online or on statements. My credit card is used with XXXX to pay XXXX. I placed order and then cancelled it. XXXX refunded to XXXX. XXXX shows that XXXX charged {$23.00} on XX/XX/XXXX and XXXX refunded {$23.00} XXXX XXXX. Citibank Wayfair MasterCard DOES NOT show any transactions on those days and no transactions for that specific amount on any other days or transactions totalling that amount. So, they have to be breaking the law by not showing all transactions? Plus they are so slow to show transactions. If I use my card to make a purchase with my other credit card it shows same day. Citibank takes 2 to 4 days before they show up.
Consumer complaint received 2020-07-04
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: CAINE & WEINER COMPANY, INC. (NJ)

There was a wrong and fraudulent collection on my credit report from XXXX for the amount of {$430.00}. This is a collection agency that seems to be engaged in XXXX. 
I made many requests and efforts to clear the information since XX/XX/2020, but credit bureaus just confirmed with the collection Agency, the XXXX, and reported the collection as correct.
Consumer complaint received 2020-07-04
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: Experian Information Solutions Inc. (IL)

I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your companies. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 
It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions
Consumer complaint received 2020-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION (MD)

In XXXX I purchased a home with a mortgage loan from Suntrust. At the time I open a credit card account. In mid/late XXXX my grandmother fell ill and I ended up relocating her from XXXX to live with me in the XXXX/XXXX area. I missed a few payments and SunTrust charged off my credit card. I reached out in XXXX and XXXX attempting to negotiate the account being re-opened so I could pay it and Suntrust declined. We were not able to negotiate any terms we both agreed to. Now, over ten years later, they are claiming the account was open on XX/XX/XXXX and became delinquent XX/XX/XXXX. Then they show the date of last payment as XX/XX/XXXX. I've disputed this information with the credit bureaus last month and they " verified '' that the information being reported is correct. I have not opened any other credit card with Suntrust since XXXX and since they refused to negotiate any reasonable way forward, I have not had any contact with them about that account since XXXX. I do have a mortgage account with them ( now Truist ). I need assistance resolving this matter. I have initiated another dispute with XXXX but in light of the fictitious information they provided for the first dispute, I don't expect them to provide correct information in this re-investigation. Can you please assist?
Consumer complaint received 2020-07-04
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: TD BANK US HOLDING COMPANY (NJ)

seocnd time i called today and was cut off i want to dispute a XXXX dollar charge to XXXX XXXX from XXXX we got sick no one will help me XXXX has not responded. please dispute. we all got sick food bad. unemployed now 4 months dont need more stress. 
there is also supposed to be a credit of about XXXX dollars from XXXX i will be watching for. 
please dispute XXXX dollars from XXXX
Consumer complaint received 2022-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

My credit profile has inquiries I did not make. I already asked the credit bureaus to remove them and that it was fraudulent but they didn't care to remove them. They were all made through fraud. I dont have any credit cards or accounts with these companies. I was told to file a complaint through CFPB. 

XXXX ) EQUIFAX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXXXXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX ) XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXXXX/XX/2021 XXXX XX/XX/2021 XXXX ) XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXXXX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 2021
Consumer complaint received 2022-07-01
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (GA)

PLEASE REFER TO CFPB REPORT XXXX REGARDING XXXX XXXX. THIS IS BORDERLINE XXXX. I EMAILED EARLIER REGARDING THE LETTER SENT BY XXXX XXXX DATED XX/XX/XXXX AND I ATTACHED A COPY OF THE XXXX XXXX TRACKING PRINT OUT WHICH BASICALLY STATED NO SUCH TRACKING NUMBER BASICALLY EXISTING. NOW WE ALL KNOW THERE IS A XXXX XXXX XXXX WHICH IS GOING TO RETRO ACTIVATE THE PREVIOUSLY UPLOADED TRACKING NUMBER AS IF IT WAS AN OVER SICK. 


AS A RESULT OF MY EARLIER COMPLAINT XXXX  SHOES UP AT THE DOOR AGAIN TODAY XX/XX/XXXX WITH THS SAME EXACT LETTER FROM XXXX XXXX DATED XX/XX/XXXX. THE TRACKING NUMBER XXXX XXXX XXXX XXXX POPS UP. IT APPEARS IT WENT FROM XXXX XXXX XXXX / XXXX AND HIT MY ADDRESS XX/XX/XXXX. AND IT WAS NO EVEN SENT PRIORITY. LOL SUGGESTION IF SOMEONE IS TAMPERING WITH THIS TRACKING SYSTEM IT IS ALL INTERNALLY. 

AS FAR AS XXXX XXXX IS CONCERN SAVE YOUR MONEY., STOP SENDING THIS CRAZINESS. YOU KNOW WHAT YOUR BANBK IS GUILTY OF XXXX AND MORE FRAUD. THIS BACK TO BACK ACTIVITY SCREAMS GUILTY. WHAT IDIOTS! 


YOU SHOULD HAVE INVESTIGATED THIS ISSUE FIRST REPORTED BUT, YOU FOLLOWED DIRECTIVES FROM THE RETAINED ATTIORNEY XXXX XXXX XXXX AND PREPARED A FRAUDLUENT PAYMENT LEDGER TRYING TO MAKE IT APPEAR WE PAID XXXX XXXX FOR MORGTAGE PAYMENTS NOTE. WE NEVER HAD AN INITIAL MORTGAGE! 


JUST STOP!
Consumer complaint received 2020-07-04
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. (IL)

I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your companies. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 
It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions
Consumer complaint received 2021-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CT)

Experian is furnishing reports from XXXX XXXX company on my credit profile and I did not give Experian permission to do so. According to the law ( 15 USC 1681b ( 2 ) that states " In accordance with the written instructions of the consumer to whom it relates. " ), Experian has to have my permission/ instruction in writing to furnish reports, which I have never provided them with.
Consumer complaint received 2020-07-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

I have various credit cards all major companies such as XXXX, XXXX XXXX and etc. Although we are in a pandemic in which many are losing their jobs and unable to pay their bills, however I am not in that situation, I have two jobs by which are thriving in the mist of the pandemic. Plus my wife makes a substantial amount of money as well so as a house hold we can support and pay any and all credit debits. However, I received a letter from fifth third bank stating that they were decreasing my credit limit from XXXX to the amount that has been used already on my credit card so that makes my new credit limit decreased to {$1600.00}, which now appears as if my credit card is maxed out which also decreases my credit score. I always pay my bills on time never been late and always pay ahead of time and never pay minimal due. Out of all the credit cards that I have, this is the only one that felt the need to decrease my credit limit amount which not only hurt my credit score, but also my situation. I been using my credit cards more lately because my father has been sick and I have traveling more often than usual to take care of family matters. I felt what fifth third bank did was selfish, untimely, unethical and influenced by pure speculation and assumptions to where I couldn't handle my debit by which I can, I have been a good customer. However, as a consumer, discriminated against, I was feeling as if it was almost racially motivated, and therefore I am very offended.
Consumer complaint received 2020-07-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (SC)

Hi, On XX/XX/2019, Suntrust bank locked my personal checking account. On that same day, I went in to a branch to inquire about why my account was locked. They would not give me a reason other than Suntrust was choosing not to do business with me anymore, and that I would receive a refund check for the account balance within 7 to 10 business days. The account balance at the time of lock/closure was {$150000.00}. 

10 business days came and went and I did not get a refund check. I called suntrust and was now being told that they intended to hold my money for an un-determined amount of time. They would not tell me why they are holding my money, or when they would release my money. I offered to give them any information they needed for the activity in my account, ( invoices for ach payments, transfers, etc ) they would not accept any of this information. I have periodically called suntrust every few months and each time I get the same info that my account refund is " on hold '' with no determined release date. To date, they have sent me no written communication explaining or acknowledging that they have held my money. The only information I have received from them is over telephone calls I have initiated. IT HAS BEEN 11 MONTHS!!!! and they still have not returned my money. At this point I feel as though they have stolen my money, and I am considering hiring a lawyer to fight them. Please help!