davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-08
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: NAVY FEDERAL CREDIT UNION (GA)

I have still yet to see Navy Federal fully follow the laws completely. I XXXX XXXX did get there response stating that they will CEASE & DESIST communication with me, however you still havent fully followed the laws laid out for you. THE FCRA Tells you that a consumer report is essentially the COMMUNICATION of information regarding a consumer. I XXXX XXXX AM THE CONSUMER. The FDCPA also defines what communication is 1. Telephone, 2. A letter in the mail, 3. Social Media, 4. Email, 5. A CONSUMER REPORT. They have not yet ceased all communication from step 1 to step 5 after i demmanded they cease & desist all communication with me or any third party company or agenc regarding my account.
Consumer complaint received 2022-03-08
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: EQUIFAX, INC. (OH)

I recently reached out to the three credit reporting agencies in regards to removing XXXX XXXX off my credit report because of the inaccuracy and the erroneous it have allowed this creditor to report, I submitted numerous times in writing through via mail ( see proof of receipts ) attached. I also have submitted direct dispute through there online portals with each CRA and nothing have got resolved, as a consumer I have the right to dispute anything on my credit report that doesnt appear to be accurate, so after challenging these CRAs I received correspondence from the creditor on XXXX XXXX stating that they have sold the car and that the car been in they possession since XXXX XXXX and I provided the CRAs that letter as well waited for an additional 30days only to be told that the direct furnisher was handling dispute personally after they said the information/ account was verified accurate, I checked my personal information that was associated with this account and none of the personal identifiers reflect my credit profile information so how can you say this account is accurate if the information used to associate me with this account is not there? How did yall verify this information? this lead me to conclude all three credit reporting agencies have violated the FCRA laws for being non compliant and allowing this furnisher to continue to report and should dealt with. After numerous times reaching out trying to get this debt resolved I was told the dispute wouldnt be reinvestigate because of the information was verified accurate which is contradicting to XXXX XXXX  and all three credit reporting agencies. Not only have it put me at great risk but it also caused me to invest time l, energy and money during a pandemic that I did not have unfortunately, putting me and the integrity of my credit at great harm. I need this account to be removed ASAP.
Consumer complaint received 2022-03-08
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (DE)

I purchased a XXXX range  in early XX/XX/XXXX using a just openned Lowes/Synchrony credit card. A couple of months went by and as I checked Lowes to regarding the purchase, I discovered that the range I had ordered was not available, thus I cancelled the purchase order. 

In the meantime, I had paid, in-full, the amount charged ( {$1100.00} ) to my Lowes/Synchrony credit card ; I sent a check in that amount dated XX/XX/XXXX. Following my cancelation of the order, I made numerous calls to the many numbers provided by XXXX and Synchrony regarding the refund of my {$1100.00}. 

In XXXX Loewes/Synchrony issued a check to me in the amount of {$950.00} for the appliance. However, when I made this purchase, I included and paid for a Lowe 's 5-year extended warranty. This amount was not broken out in the billing statement I received from Lowes/Synchrony, but appears in the receipt at a price of {$150.00}. I have not received the return of this un-used ( no appliance, no need to warrant ) 5-year extended warrant amount 0f {$150.00}. 

I would appreciate any assistance your can provide in the recovery of the {$150.00}. 

P.S. after having some CFPB problems yesterday ( XX/XX/XXXX ), I called again today to try again for some help. I got your wonderful customer service rep called XXXX ( after XXXXXXXX XXXX former prime minister XXXX XXXX ). The review logged off before I could give him a 5-star review. He was so kind, patient and helpful ; bravo XXXX!
Consumer complaint received 2022-03-08
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PLAZA HOME MORTGAGE, INC. (CO)

For the second month in a row, I have had misapplied payments intended to be applied to mortgage principal only as regular mortgage payments. The payments are made within 1 week of the normal mortgage payment in amounts greater than the normal monthly payment. The checks issued by my bank have the words " PRINCIPAL ONLY '' in the memo field. When calling the mortgage company to correct the situation, I have also requested that a supervisor call me back, to further discuss my displeasure with the company and I do not receive a call back as promised. The adjusting transactions that are supposed to be dated back to the original date received from last month were not back dated which will result in additional interest being charged to my account. I find this totally inappropriate and should be illegal. This is my second complaint filed just one month from the previous complaint. This company needs to be investigated by the CFPB to insure that other customers are not also being handled improperly. This looks like fraud.
Consumer complaint received 2022-02-17
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (TX)

As of XX/XX/XXXX my mother XXXX XXXX of XXXX TX. passed away, since the home had a reverse mortgage associated as a first lein notification was made to the original servicer. PHH Mortgage provided a welcome letter dated XX/XX/XXXX upon transfer of the loan from RMS Mortgage. When contacted initially we were advised there was a pending foreclosure date and at that time a Covid extension was granted The issue is anytime I call that date changes and an additional extension can not be granted. I'm writing today as a consumer and mortgage professional concerning the lack of adherence to XXXX XXXX Covid guidelines and the potential borrower harm caused by PHH when the information the staff provides certainly misleads those who may be grieving the loss of a loved one. I was told today XX/XX/XXXX the sale is scheduled XX/XX/XXXX, however when I pointed out the staff member prior to stated it was XX/XX/XXXX and the assigned SPOC said it was extended to XX/XX/XXXX the SPOC XXXX stated she had to check with her manager on which date was correct and for me to expect a return call. Well I'm still waiting... 

Needless to say we are at a loss as how to proceed since the property currently is being sold and has a closing date of XX/XX/XXXX per the buyer. 

Please help not just this family but the thousands of beneficiaries subjected to such harsh treatment during this reverse mortgage process.
Consumer complaint received 2022-03-08
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 28 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (IL)

I have already submitted a report via the CFPB and Equifax responded that they " did an investigation and will mail the results. '' However, none of my information was corrected, I never received a follow up, and they actually mailed information to the wrong address under my previous name. The prior complaint is as follows : I've been trying to contact equifax for over a year now to correct my credit information. I had a legal name change in XX/XX/2020 and I contacted them when they were causing issues with incorrect information beginning XX/XX/2020. They required I send in documents which I sent my ID, social security card, proof of address, and legal name change court document. I sent 3 copies of these documents 2 times and they claimed they never recieved them in the mail. I called and they claimed I could fax the information so I faxed it 4 times and they claimed they only recieved one copy. Finally they said I had to verify my account information and they unlocked my account which they never told me was locked, I was just unable to login. I finally am able to access my account and they aren't reporting my accurate legal name nor my credit accounts correctly. I've called over 20 times and most of the time I get a very rude customer support representative, who doesn't speak English well, and will start using my old incorrect name when they learn I've had a legal name change.
Consumer complaint received 2022-03-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (NJ)

I own a home in NJ. Claim # XXXX ( XXXX XXXX XXXX, XXXX NJ ). My house sustained a house fire on XX/XX/2021. My insurance proceeds were sent to Fay Servicing to hold in escrow. Fay released 1 initial payment for {$26000.00}. After the funds were used and the initial demo was complete, I requested an inspection. A 3rd party inspector came to the house to take pictures and conduct a walk through. 2-3 Days later, I verified via XXXX  that my inspection failed. I contacted Fay to verify why I failed. I Could not get an answer from the representative I spoke to. No explanation as to why I failed or what additional repairs need to be done in order to pass the inspection and recieve additional funds. A few weeks pass no money, no explanation letter etc. I invested XXXX of my own money to pay for the installation of new windows, doors, wood work on the exterior of the house, permitting and engineering plans. I then contacted Fay again to have another inspection once that work was complete. The inspector came out to take photos and completed a walk through. 2-3 days later, I verified via XXXX that I failed the inspection for the 2nd time after investing my own money into the property. I again contacted Fay Servicing to verify why I failed the inspection. I was informed that there were required documents that were not submitted online. I then informed the representative that those documents were submitted in XXXX. The representative located the documents and also informed that my account will be escalated to the main office requesting additional funds which will take 5 days to complete. I have been calling every day since my account was escalated, no answer, still pending. We are on day 8 now with no answer as to why I have not received additional funds. Fay claims they have tried to call me but my phone is busy. Cell phones are never busy, they route to voicemail when on the phone. I have my phone in my pocket at all times, I never miss calls. NOT 1 TIME HAVE I RECEIVED a call from them. They are having an issue with their outbound calling. I was previously informed by one of the call center representatives that 50 percent of repairs need to be done in order pass the inspection. I am not sure how 50 percent of repairs can be done with {$26000.00}. Meanwhile, I contacted Fay Servicing approx 30 times with no explanation as to why funds arent being released. In addition, I've requested to speak to a supervisor 3x but yet to receive a returned call from them. Every month I am making a {$2300.00} mortgage payment for a house that is sitting vacant for 1 year now and Fay Servicing is witholding my repair funds. I have been asking for additional funds since XXXX. It is now XXXX, no answer, no funds, no nothing.
Consumer complaint received 2022-03-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (TX)

BB and T apparently was purchased by Truist and I received a notice of short escrow by {$590.00} and I called BB and T and was told Truist was the holder now and I asked to have someone call me back, but without me being notified on XX/XX/28 They auto drafted out of my account {$590.00}, I feel they should have told me they were going to auto draft that out before they did that OR given me the opportunity to just allow the monthly payments to increase, but to have no notice that they did that seems to wrong.
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

To Whom It May Concern : My credit report is reflecting the late payments as seen below. These accounts are in error because they were paid on time. Please reinvestigate the following accounts and update my credit report to accurately reflect my credit history. Pursuant to the Fair Credit Reporting Act I will expect you to complete the verification within 30 ( thirty ) days.
Consumer complaint received 2022-02-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (CA)

Us bank has failed to respond to my transaction disputes I have submitted and ignored my disputes making my balance over drawn my accounts. US BANK also is failing to investigate properly My disputes. For example there's a transaction that was denied after merchant clearly stated I returned purchase same day. Which credit was promised by merchant and never received. Merchant sents documents of a returned transaction and us bank dies not see that informing me I received benefit which I did not. Also my account has several transactions which were made by someone without my permission and us bank ignores my disputes without even investigating. Also there's another merchant that denied giving me any information due to transaction. Being made by someone else besides me and us bank denied my disputed transactions. They took over 90 days to investigate one disputed transaction which is after the time permitted to finds its resolution.
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

The Fair Credit Reporting Act states that all the information on a person 's credit report should be a 100 percent accurate, For more than a year now we have been disputing with Experian the accuracy of an account that is been reported on my credit report. I informed this credit bureau that the XXXX XXXX XXXX account that is reporting on my credit report is reporting in accurately. We asked them to delete the account from my credit report due to inaccurate, missing account and payment information. We also asked them to delete XXXX XXXX XXXX from my credit report as they violated my rights under the Fair Credit Reporting Act as they have not provided me with there method of verification proving that this account is reporting accurately on the account and that they did indeed investigate my dispute. The request for there method of verification was received by them on XX/XX/2021 and to this date they have NOT provided me with there method of verification IF THIS CREDIT BUREAU FAILS TO DELETE XXXX XXXXXXXX XXXX FROM MY CREDIT REPORT THEN I WILL FORCED TO TAKE LEGAL ACTION AGAINST THIS CREDIT BUREAU TO RECOVER DAMAGES. 
THIS IS THE FINAL WARNING TO THIS CREDIT BUREAU TO FIX THIS ISSUE. I have a copy of all the credit reports and disputes sent in and the response from the credit bureau. If this account is not deleted from this credit report then i will be forced to take legal action of
Consumer complaint received 2022-03-08
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. (MI)

I have been reaching out to Experian, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Experian and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX XXXX Original creditor XXXX XXXX XXXX XXXXXXXX Balance {$640.00} XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX
Consumer complaint received 2022-02-17
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 (PA)

On XXXX XXXX I requested a cash out rollover of my XXXX XXXX  through Merrill edge. They insisted I had to wait for a check to come through the postal service. The check arrived 7 days later and was payable to my house. To my house! Not to me! Obviously I could not use the check. I called Merrill edge and I had to wait XXXX minutes for help and all Merrill could do was tell me all of the steps I had to take to fix their mistake. I did everything they asked. They told me the funds would be available to wire to my account on XXXX XXXX and said they would wire the funds that day. It is now XXXX on XXXX XXXX and there is no sign of the funds in the account and the service reps are saying the money will supposedly be available tomorrow l, the XXXX. They keep speaking of XXXX managers working on the case to get the funds available to fix their mistake, but the managers never make the funds available and they keep pushing the date for the funds further away and telling me to just wait and trust them that the funds which were going to be available today will be available tomorrow. There is no basis or explanation for delays. Just telling me it takes time to move funds from the check payable to my house back into my account. After an hour on the phone on XXXX XXXX a XXXX manager told me the request to return my funds was never processed until XXXX on XXXX XXXX and my money would not be available until after XXXX on XXXX XXXX but he had no way to confirm that and just wanted me to depend on them to monitor the account again tomorrow and call me when the funds arrive. So no help from the XXXX  managers. Only solution they present is for me to trust the company that sent a check made payable to my house. To my house. More than a week lost because they wrote a check to my house. No answers except to trust them not to XXXX it up again.
Consumer complaint received 2022-02-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Credit Karma (TN)

I opened a checking account with Credit Karma in XXXX. At the time, they had a promotion whereby I would earn a {$150.00} bonus if I received a direct deposit by XX/XX/XXXX. The bonus was supposed to be paid out by XX/XX/XXXX. I received a direct deposit from my employer on XX/XX/XXXX, and when I did not receive the bonus, I inquired with Credit Karma. On XX/XX/XXXX, I was told that I had been added to the recipient list and would receive the bonus within 7 to 14 business days. When that time had elapsed, I again inquired about the bonus. This time, I was referred to a different promotion that required me to file my taxes through XXXX and receive my refund with Credit Karma via direct deposit. It would also not pay out until XXXX. Even after explaining to the representatives that this was not the promotion I signed up for ( and providing a screenshot ( twice ) of the offer ), they refused to do anything. 

I have attached a screenshot of the promotion, my bank account showing the direct deposit on XX/XX/XXXX, and the XX/XX/XXXX13 email from Credit Karma stating that I was being added to the recipient list.
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX XXXX XXXX XXXX Date of inquiry XX/XX/2020
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/XXXX XXXX, I disputed information on my credit report. I ask the 3 credit reporting agencies to verify information on my report to insure that it was accurate.

They later confirmed that the information submitted was validated, 100 % correct.

When submitting information to more than 1 credit agency, all information must match. 

I have attached documentation of the information. You will see that it differs.
Consumer complaint received 2022-03-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

When I saw the item appeared on my credit report I called XXXX XXXX to enquire why? I was told that this item was related to a computer that was ordered. The employee at XXXX  XXXX told me the computer was mailed to an address in XXXX XXXX XXXX XXXX XXXX XXXX Florida. I have no affiliation to that address, neither did I order a computer. I called and wrote the creditor repeatedly asking that they remove this item from my credit report and asked them send me proof that this account was opened by me, but they refuse to respond to my request. I did not authorize this account, neither have I ever personally ordered any item from XXXX XXXX.