davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SIERRA PACIFIC MORTGAGE (NY)

In XX/XX/2020, we sold our house at the address XXXX XXXX XXXX XXXX XXXX, MA XXXX and paid off the loan. There was an escrow balance of {$2400.00}. There was also interest on escrow of {$10.00}. We received our tax statement this year and both of these say they were refunded, but they never were. I have been trying to get the escrow from Sierra Pacific Mortgage since XX/XX/2020. I emailed, called but keep getting the run-around. We no longer live at the above address, but it was never sent there as we know the current home-owners. We asked Sierra Pacific Mortgage to send it to our new address XXXX XXXX XXXX, XXXX NY XXXX. They changed address to that on file and said they will send it in XX/XX/2020, but they never did. 
Loan details below Account XXXX Name : XXXX XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXXXXXX XXXX XXXX : Sierra Pacific Mortgage I have attacheed the tax statement Thank you, XXXX XXXX and XXXX XXXX
Consumer complaint received 2021-02-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc (IA)

Hunter Warfiled, is furnishing my personal private information to third party agencies with my written consent which is a direct violation of 15 usc 1681b ( 2 ). By reporting this, they have severely damaged my reputation and have and continue to infringe upon my right to privacy as a federally protected consumer. I also have no contract with this company. 

Hello, my name is XXXX XXXX, and Im submitting this complaint for myself and there is no third party involved.
Consumer complaint received 2019-06-17
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (PA)

Early XX/XX/2019- A full payment was mailed to My loan care for XX/XX/2019 payment. 

XXXX XXXX I called and the automated system said the payment was received. 

XXXX XXXX Check still wasn't cashed XXXX XXXX Called loan services and was told the check was " reversed '' for NSF ( non-sufficient funds ) XXXX XXXX Called my bank ( XXXX ) and verified that funds were present. They were. 

ALSO, XXXX told me that NO checks were presented for payment. 

Called My loan Care ( loan servicer ) back.. Spoke with XXXX (? ) ID # XXXX in customer service and made a payment over the phone. Confirmation # XXXX. ( She was helpful ) Called loan servicer XX/XX/XXXX and XXXX. Automated system said loan payment was received, however it also says XXXX payment is DUE and the funds are STILL in my XXXX account. 

This company has been challenging to say the least. Their web site does not recognize my account number, so I can not create an on-line account, I have been lied to, transfered from one department to another, just to be put on hold then disconnected. This not how a business should be run.
Consumer complaint received 2022-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

Hello, I created an account with Equifax in 2017 and set up a freeze on my report. Recently, I tried to access my account to temporarily lift the freeze, but I have been unable to log in, to reset my password, or to unlock the account in any way, even after contacting Equifax customer support and spending over an hour on the phone with an agent. 

The agent presented vague excuses like " your account is missing a registration date '' and cryptic remedies like " I've escalated your account, try to log in again in XXXX XXXX  ''. The agent also asked me to give her my password, which I had to dictate by voice over the phone. This is completely unacceptable, especially given their past data breaches. 

In the end, the agent was unable to resolve the issue and either unable or unwilling to allow me to speak with a supervisor. The call was terminated without resolving my issue. It is unclear if they hang up or the line was cut. I'm still unable to log in or reset my password. 

I would like to note that I am a software engineer, I use a password manager, and I am certain I am using the correct credentials. I have also found the XXXX thread linked below, which shows this has been a known issue for at least 2 years : XXXX  : XXXX Thank you.
Consumer complaint received 2019-03-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (NY)

On XX/XX/XXXX my teenage son and I went to get cash from a XXXX machine using his Bluebird Card. He inserted the card into the machine and requested {$40.00}. The machine generated an error code and then reset with no cash dispensed. He tried a second time and this time it worked. The women ahead of him also had issues with the machine before he did. When we got home, I looked and he had two {$40.00}  transactions debited. We immediately contacted the credit card company the they started an investigation. After two weeks of not hearing, I called and they told me that they were not credited him back {$40.00} for the first transaction. No cash was dispensed for the first transaction that ended in an error message at the XXXX machine.
Consumer complaint received 2019-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (NY)

American Expressed closed all of my card accounts on XX/XX/2019. I had been a loyal American Express customer for over 2.5 years and had a 99 % payment rate for all of my cards. Prior to closing, I held the American Express Platinum Card, the American Express XXXX XXXX Card, the American Express Business Gold card, as well as the XXXX XXXX XXXX Card. However, I had made a large purchase with my cards ( some XXXX for my family ) that American Express deemed suspicious. As a result, American Express put my accounts under financial review. I cooperated with American Express and the IRS and provided them with as much information as I could to help alleviate any confusion over my accounts. I had filled out the form 4506-T, the request for Transcript of Tax Return, along with the cover sheet to American Express. However, I had put the incorrect address on the form as I had moved and thus the request was denied by the IRS. After submitting the form to American Express, I had to conduct XXXX training ( as I am an XXXX XXXX service member ) which put me in a location where I was unable to receive any calls, texts, or emails. American Express tried to contact me but I was unable to be reached, and they closed all of my accounts as a result. Upon returning from training, I contacted American Express and tried to explain the situation to hopefully get my accounts reopened. However, they not only denied my request, they also denied my request to reapply for those same cards. Faced with no other choice, I have resorted to filing this complaint.
Consumer complaint received 2024-11-05
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I was scammed by a scammer on XXXX whereby he told me to buy XXXX gift cards then XXXX shall reimburse me XXXX  times as much I spent on XXXX gift cards and I was scammed I asked my financial institution BofA and XXXX XXXX to reverse charges made on my cards to buy XXXX gift cards they refused to reverse charges and XXXX co also refuses to refund my money and I made complaints to fbi ftc as well. Still not get refund for my XXXX gift cards purchase?
Consumer complaint received 2019-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2019, I received an e-mail from the Bank with the subject line " Welcome to e-Bills from Bank of America Credit Card ''. It stated " Your Bank of America Credit Card bills have been set up to be delivered to you electronically through Online Banking '' and that billing has become " paperless '' or " electronic ''. I never authorized this - in fact - this has happened before, and I have complained to the Bank and given them a specific and exact instruction to never do this again. In the past, they apologized and did continue to send paper bills, but now they are pushing - again - for paperless without my consent, against my direct order and in violation of law. In this instance, I again informed the Bank that I DO NOT want paperless or electronic billing and will continue to receive my bills ON PAPER BY MAIL.
Consumer complaint received 2022-10-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation (TX)

On XX/XX/XXXX I received a call from XXXX representative saying that I have a balance of {$520.00} for XXXX XXXX in XXXX, TX. I explained the rep that this is not the first time receiving these phone calls and it's a fraud. They have also sent me a letter for me to dispute the charges. I have also received another letter from Penn Credit dated XX/XX/XXXX, with debt of {$530.00}. That is also not my bill and is a fraud. I have checked my credit report and found address that don't belong to me as well as two debt collections for accounts that have been opened fraudulently. I have disputed those accounts in my credit report and have placed a fraud alert on my credit because I have been a victim of identity theft. I have never lived in XXXX, Texas nor on other addresses that the credits bureaus was showing which I requested to be deleted. I am not sure how these companies allow somebody to open electrical accounts without checking first. My phone number nor my address of residence has changed. So far I have seen three electrical bills for the same time frame, when my house is in XXXX, Texas and I get my electrical bill from my house every month.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (SC)

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) 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. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. XXXX XXXX XXXX XXXX - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-05-15
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

Experian credit reporting agency I have disputed medical bills that should have been paid by the VA I didnt even know that they had not been paid until I refinanced my mortgage which was almost a year later I had gone to XXXX  and they lowered the payment from {$52000.00}. to {$5000.00}. Experian is showing {$8000.00}. XXXX XXXX is over 10 years old and still on my credit report. I have been trying to fix this for over 3years and they seem to add more time to the loans are they allowed to say that since the day I disputed it starts over if it is ok to their standards.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, I am entitled to have any fraudulent items blocked from my credit report within four business days upon submitting an identity theft report. Additionally, 15 U.S.C. 1681s-2 requires furnishers of information to ensure accurate reporting and promptly investigate any disputes. Under 15 U.S.C. 1681g ( e ), I request the production of any fraudulent application records, including signatures or documentation used to open these accounts. If no valid proof of my signature or proper validation of the account exists, they must be immediately removed. Under 15 U.S.C. 1692c ( a ) ( 2 ), collection activities must cease regarding debts from this identity theft.
Consumer complaint received 2020-05-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (FL)

I have received numerous calls from the collection agency from all different kinds of numbers calling a XXXX XXXX I need to pay my bills and just because Im in the military doesnt mean I dont have to pay my debt kept explaining to the collection agency I dont owe the debt I disputed it with the credit bureau XXXX XXXX and XXXX  and they both came back verified I called XXXX asking for a hard copy or a contract to validate this account they were unable to provide it contacted the collection agency asked for the same they said they didnt have to provide that because its my social and my address which is a very old address called the credit bureau asking them to provide me with why they allegedly thinks is verifiable and they told me the social security number matched and the address thats on my report matched I told them thata why anyone can just put anything on people credit report and say its verified and thats not enough for me I need proof they have all failed also XXXX made me aware that the agency thats calling trying to collect is not The Who should be calling or they should not be on my credit report at all and gave me another collection agency and I called them to make them aware this is not my account and Im in the XXXX and they are playing with my job and my life for my clearance they laughed and told me good luck
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The XXXX Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX  XXXX Balance : {$44000.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$310000.00} XXXX XXXX Balance : {$3800.00} XXXX XXXX Balance : {$2500.00}
Consumer complaint received 2024-09-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (OH)

Navient is refusing to resond to inquiries about the Holder Rule as it pertains to my Loan Agreement and they are refusing to properly investigate the Notice of school misconduct as it pertains to the Terms and Conditions of my loan agreement and the Holder Rule Notice guidelines found on the XXXX website. I have clarified through Email / Phone / CFPB complaints and internal messaging with Navient 's website what I am asking for. 

The School Misconduct Form is an unacceptable substitution because it doesn't adhere to the Holder Rule Notice in my Loan Agreement. The office of the customer advocate and the person that I assume is responding to these complaints told me that " it was something different '' when I asked if this was inline with the Holder Rule. 


I WANT NAVIENT TO HONOR THE HOLDER RULE DISCLOSURE NOTICE THAT IS TO BE TREATED AS A TERM AND CONDITION OF MY LOAN. 

XXXX ASKING ABOUT THE HOLDER RULE IN MY TERMS AND CONDITIONS. 
XXXX ASKING ABOUT THE HOLDER RULE IN MY TERMS AND CONDITIONS. 
XXXX ASKING ABOUT THE HOLDER RULE IN MY TERMS AND CONDITIONS. 
XXXX ASKING ABOUT THE HOLDER RULE IN MY TERMS AND CONDITIONS. 
XXXX ASKING ABOUT THE HOLDER RULE IN MY TERMS AND CONDITIONS. 
XXXX ASKING ABOUT THE HOLDER RULE IN MY TERMS AND CONDITIONS. 
XXXX ASKING ABOUT THE HOLDER RULE IN MY TERMS AND CONDITIONS. 
XXXX ASKING ABOUT THE HOLDER RULE IN MY TERMS AND CONDITIONS. 
XXXX ASKING ABOUT THE HOLDER RULE IN MY TERMS AND CONDITIONS. 
XXXX ASKING ABOUT THE HOLDER RULE IN MY TERMS AND CONDITIONS. 
XXXX ASKING ABOUT THE HOLDER RULE IN MY TERMS AND CONDITIONS. 
XXXX ASKING ABOUT THE HOLDER RULE IN MY TERMS AND CONDITIONS. 

I AM EXERCISING MY CONTRACTUAL RIGHTS UNDER THE HOLDER RULE. 
I AM EXERCISING MY CONTRACTUAL RIGHTS UNDER THE HOLDER RULE. 
I AM EXERCISING MY CONTRACTUAL RIGHTS UNDER THE HOLDER RULE. 
I AM EXERCISING MY CONTRACTUAL RIGHTS UNDER THE HOLDER RULE. 
I AM EXERCISING MY CONTRACTUAL RIGHTS UNDER THE HOLDER RULE. 
I AM EXERCISING MY CONTRACTUAL RIGHTS UNDER THE HOLDER RULE. 
I AM EXERCISING MY CONTRACTUAL RIGHTS UNDER THE HOLDER RULE. 
I AM EXERCISING MY CONTRACTUAL RIGHTS UNDER THE HOLDER RULE. 
I AM EXERCISING MY CONTRACTUAL RIGHTS UNDER THE HOLDER RULE. 
I AM EXERCISING MY CONTRACTUAL RIGHTS UNDER THE HOLDER RULE. 
I AM EXERCISING MY CONTRACTUAL RIGHTS UNDER THE HOLDER RULE.
Consumer complaint received 2020-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I understand that this account with XXXX listed on the credit report needs to be reporting accurately and complete according to the FCRA. Since XXXX of XXXX, I have in back and forth correspondence with the 3 credit bureaus outlining the issues with this account reporting. This account information does NOT reflect accurately and in return, the FACT IN POINT is that this account is in violation of the law AFTER I expressed my concern and showed the error. I have a confirmation from the credit bureaus AND from XXXX ( SEC 1681 ) that they performed their investigation. After reviewing my newest credit reports, I can see the inconsistent information STILL affecting my credit. 

ISSUE # 1 : XXXX DELETED this account after I expressed the issue to them. HOW could they see the issue YET XXXX and Equifax NOT see the issue. There was NO actual investigation done! 

ISSUE # 2 HIGH BALANCE is incorrect. XXXX  is reporting {$3500.00} and Equifax is reporting {$3500.00}. 

ISSUE # 3 : Date of first delinquency ... This is reporting inaccurately with XXXX of XXXX on XXXX and XXXX of XXXX on Equifax. That's over 60 days.. How is this even possible if there was an actual investigation I have included the images of the reports that were sent to my house. I am highlighting the errors still existing today. There was no investigation because the information is still violating the FCRA. I understand my rights and for me to keep mailing letters costs me money and time. Both of which I will seek compensation for if this is not fixed NOW.