davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-20
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (MN)

I have a house that has been under contract by the buyers for over 40 days. The Title company, XXXX XXXX  in XXXX MN, sent out a request for mortgage loan Pay Off on my account on XX/XX/XXXX and then again on XX/XX/XXXX. This is a process that should just take 3 days. Freedom Mortgage has yet to send over the pay off. It has been 11 days! On Monday XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( XXXX ), I contacted them multiple times about when will the pay off be sent to the title company. I was desperately attempting to assist the title company with this process. Today XX/XX/XXXX one person claimed that the pay off was completed and that the file was closed and the pay off was sent via a pdf to our title closing person. Yet I find this was a lie when the title company DID NOT RECIEVE the pay off! 
Freedom Mortgage appears to be with holding information to complete the closing on the house! My realtor and the title closer advised they have NEVER seen this before from any mortgage
Consumer complaint received 2022-10-08
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: JPMORGAN CHASE & CO. (CO)

We had an HVAC installed in XXXX of XXXX, and were required to provide our CHASE VISA credit card because the company sent the wrong machine to our son 's home in XXXX, Oregon. Meanwhile, we had made arrangements with the company ( XXXX XXXX in XXXX, OR ) for an interest-free monthly payment plan with the bank ( XXXX Bank ) with which XXXX had XXXX special payment arrangement. Despite that consummated agreement, XXXX went ahead and charged the entire amount due ( {$9800.00} ) to our CHASE VISA card on XX/XX/XXXX. For some reason, CHASE did not deduct this amount from our credit union checking account until XX/XX/XXXX. We immediately protested and entered into a back-and-forth disagreement with CHASE that is STILL occurring in XXXX of XXXX - despite dozens of phone calls, faxes, letters, etc. demonstrating that we were, indeed, paying XXXX monthly. Meanwhile, efforts to get CHASE to talk to either XXXX or the owner of XXXX have been fruitless. CHASE continues to say that it is " our responsibility '' to pay the {$9800.00} '' to them. Also, all efforts to get XXXX XXXX to repay CHASE have been met with either denials or a lack of accurate payment/reversal information, due to terrible bookkeeping. We are senior citizens on a fixed income, and we face the threat of having our checking account drained by CHASE at any moment.
Consumer complaint received 2021-07-16
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. (MS)

XXXX, Equifax and XXXX  have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.

To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report
Consumer complaint received 2020-06-23
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: General Motors Financial Company, Inc. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX & XX/XX/2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-08-20
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Stearns Ventures, LLC (NV)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV, XXXX XXXX XXXX : ( XXXX ) XXXX XXXX My loan was sold from XXXX XXXX XXXX XXXX To Starns Leading. I did not Know. 
Just This year I found out This append. 
I tried to called Sterns Lending no answers, left message no return call from STERNS.

I do not know how I can communicate with them if they do not answers, or who I have to talk to.
Consumer complaint received 2020-07-25
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/2020, I applied for a VA mortgage through Bank of America. I provided all the requested information and was initially given a tentative closing date. Within a few weeks I was being sent more paperwork that needed to be revised almost daily. The paperwork was not pertaining to any major issues but things such as signing each page of pest control report by seller and buyer, mandating that these signatures could not be electronically signed but had to be wet signatures. Requests were made for information from my inspector and appraiser which they had never heard of before and both parties have worked in their respective fields for more than 30 years. We were requested to send proof that home repairs listed in contract had been done by licensed plumber and electrician however when the realtors sent the information, they were told the licenses could not be verified and that they were probably fake by an underwriting agent. It was more than a nightmare and there were no reasonable explanation as to why we were getting the runaround. There were also other questionable actions by the underwriting department we were working with as well as the loan officer. I was told my interest rate could not be changed once it was locked in and I was also told that I could not convert from. VA loan to  a Conventional loan even if I qualified. I changed from Bank of America on XX/XX/XXXX and closed with a new mortgage company on XX/XX/XXXX. They stated they didnt understand why Bank of America was not able to do the same, the new mortgage company stated I had one of the cleanest file they had seen in awhile. My hopes is that my treatment had nothing to do with anything except the fact that there are persons employed at Bank of America who do not desire to do their job when having limited supervision and working from home but, I could not risk anyone having to endure what I did with Bank of America, regardless of the motivating factor. I wrote a letter of complaint to XXXX XXXX at the following address XXXX XXXX XXXX XXXX XXXX, XXXX, Ga XXXX on XX/XX/2020. I have also attempted to reach an underwriting supervisor to file a complaint and was transferred from department to department without successfully reaching anyone. The loan officer I worked with in reference to my mortgage was XXXX XXXX NMLS ID XXXX. Thank you in advance for your assistance.
Consumer complaint received 2020-07-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRIAD FINANCIAL SERVICES, INC. (CA)

XX/XX/2019 XXXX XXXX 
I checked my property taxes online with the County. It is impounded and had not yet been paid, so I paid it, {$160.00}. 

I called Triad, the lender. I spoke to an escrow person who said that I would receive a refund. I did not. Several weeks went by. I called again. No answer. I left a message. No response. 
In XXXX, I received a NOTICE OF DELINQUENCY from Treasurer and Tax Collector of the County of XXXX XXXX. My impounded taxes had been paid late. I sent the penalty amount, {$26.00}, out immediately, and contacted Triad. Again, I called, left messages, and emailed. 

I finally received an email on XX/XX/XXXX. They blamed COVID for the short staffing and I was told to contact the County for the refund.

They have now been negligent twice inside of one year. I have asked that my impounds stop, as my credit is above excellent, but they refuse.
Consumer complaint received 2023-05-13
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: AFNI INC. (CA)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 it also states consumer reporting agency can not furnish an account without my written instructions under 15 USCs 1666b a creditor may not treat a payment on a credit card account under an open and and consumer credit plan as late for any purpose
Consumer complaint received 2020-05-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CITIBANK, N.A. (AZ)

On XX/XX/XXXX and again on XX/XX/XXXX I answered my door to be served b two separate debt collection agencies. I can not express the alarm this put me in. I am a high-risk individual with XXXXr XXXX XXXX and have a form of XXXX XXXXXXXX by which i take XXXXXXXX XXXX. During this time the servers did not practice social distance, were not masked or wearing gloves and put me at enormous risk amid the Corona Virus pandemic, As it stands at this moment I could not tell you if they were carriers or not, I just have to wait and hope they were not. Taking advantage of a global pandemic is shocking and distasteful. I suffered a XXXX in XX/XX/XXXX and I can not even recall these debts nor research their validity. The risk these people took with my life is highly unacceptable and should not be practiced without proper protective gear or when the ability to do so is allowed. I have been sent home since XX/XX/XXXX, due to my high risk of the outcome if I contract the coronavirus.
Consumer complaint received 2022-09-26
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: EQUIFAX, INC. (PA)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2020-07-25
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: Experian Information Solutions Inc. (MI)

Right now there three sets of the same loans on my credit report. Theyre all reporting different information to different bureaus. Its hurting my credit differently on each one.

All accounts are paid off, but only one loan reports as paid of f while the other 12 are reporting as charged off.

This negative mark alone is ruining my credit, I have tried to fix this multiple times, and to no avail. Please assist.
Consumer complaint received 2020-07-25
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. (MI)

Right now there three sets of the same loans on my credit report. Theyre all reporting different information to different bureaus. Its hurting my credit differently on each one.

All accounts are paid off, but only one loan reports as paid of f while the other 12 are reporting as charged off.

This negative mark alone is ruining my credit, I have tried to fix this multiple times, and to no avail. Please assist.
Consumer complaint received 2023-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NY)

XXXX update to the original complaint. Both my XXXX money orders have cleared. WF received all the copies and receipts I send from these checks. Somebody in the WF office has decided my account is closed and the MOrders were FRAUD!!! Dont know what genius they employ who decided this ... .BUT MY MONEY ( XXXX ) is being held, HOSTAGE. DARN THEM.!!! I got this letter today that they need until XX/XX/2023 TO DECIDE MY FATE.???? I dealt with somebody named XXXX XXXX who does not take my calls. Always " I will get back to you in 48 hours ' Never does!!! Liars!!!. XXXX XXXX ext XXXX. This connects to the mtg dept which is also weird!!! I enclosed the letter they sent. This is totally ridiculous that I am out XXXX + due to an XXXX employee plus XXXX XXXX, who has done NOTHING ... I WANT MY FUNDS..
Consumer complaint received 2021-04-02
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: EQUIFAX, INC. (IL)

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXX XXXX  ( Orig Cred : XXXX XXXX XXXX XXXX ) - XXXX
Consumer complaint received 2021-06-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions (PA)

I have disputed this account with RENT RECOVERY SOLUTIONS, and demanded that they send me validation, Ive received nothing but threatening phone calls from them! This is a direct violation of the FDCPA! As a question, are they debt collectors or attorneys? I have been told by multiple agents that they are in fact attorneys. If the agents that have been calling me are not attorneys, they are legally not allowed to tell me they are! RENT RECOVERY SOLUTIONS is flagrantly violating the FDCPA! Also, since I have not received any of the validation that I have requested, but the credit bureaus have verified the account, I would love to see that documentation! The law is quite clear, I am entitled to the same information that the credit bureaus are!
Consumer complaint received 2020-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TRUIST FINANCIAL CORPORATION (FL)

received online approval on XXXX.20 and email saying card approved. suntrust even called on phone to verify information. recd letter on XXXX.20 dated XXXX.20 saying that card is declined because they can not verify income or employment. they never called me even though they said they have. credit score is XXXX why is suntrust pulling this unprofessional XXXX. They need to call me at XXXX and explain the lack of professionalism in this matter. There are many banks to get cards with. Suntrust apparently has a lack of leadership in the credit crd dept and does not manage staff appropriately. Now I have a hard hit to my credit and Suntrust is coming up with XXXX. Way to go Suntrust, good job ... ... ... ... ... ..
Consumer complaint received 2023-05-13
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: EQUIFAX, INC. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Date of Inquiry : XXXX ; XXXX XXXX Date of Inquiry : XXXX ; XXXX Date of Inquiry : XXXX ; XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance {$550.00}.
Consumer complaint received 2022-10-09
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: EQUIFAX, INC. (PA)

Hello my name is XXXX XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 
Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!
Consumer complaint received 2020-07-25
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: GOLDMAN SACHS BANK USA (CA)

I purchased a item from XXXX XXXX on XX/XX/2020 at XXXX XXXX. Total amount : {$270.00}. 
XXXX XXXX website shows delivered on XXXX XXXX. Since I never received this item, I contact merchant and XXXX  immediately trying to find my package. The merchant suggest me ask bank to dispute it. So I contact a specialist at Goldman Sachs to help me get refund. After that, Bank says merchants provided detail that the item was left at the door, so they closed this case. I contact one merchants manager, she said she wants refund me but she cant. She must use the same way and card to refund. So I talk to bank again hope they can reopen this case so merchant can refund me. But they keep saying they can do nothing. I also provide them the managers cellphone number so they can call her. They just dont want help me to get refund. I want my money back and I will never use Apple Card ( Goldman Sachs ) again.
Consumer complaint received 2021-07-01
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: EQUIFAX, INC. (AL)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX Account # XXXX  ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX Bank XXXX - Account # XXXXXXXXXXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX XXXX  on XX/XX/XXXX XXXX Reported Identity Theft )
Consumer complaint received 2020-07-25
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: EQUIFAX, INC. (IL)

Around XXXX, XXXX, XXXX, and XXXX of 2020, I have been trying to dispute the incorrect information from my credit report. I have also sent a big envelope with reporting documents informing them that this account isn't ' mine The documents showed everything that XXXX XXXX had given to ( XXXX XXXX XXXX ) XXXX XXXX had violated my medical rights by sending my XXXX records to this person. I will be sending you all everything that I have and was sent to me and proof I don't own this bill.
Consumer complaint received 2020-07-25
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CMRE Financial Services, Inc. (TN)

I paid them but I am still getting collection letters. I found out that this company XXXX XXXX XXXX XXXX  XXXX has indeed been surprising those who go to the hospital known as XXXX XXXX XXXX in XXXX, TN with bills just like attached and an article that also states that theyve been doing this. I got two back to back bills one for {$40.00} and {$650.00} in a 2 week period. I dont understand.
Consumer complaint received 2020-06-23
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: Experian Information Solutions Inc. (MO)

There are several closed accounts on my Experian, XXXX, and XXXX  credit report that are extremely outdated and need to be corrected by being removed. Also XXXX, Experian, and XXXX  are reporting unverified information on my reports.
Consumer complaint received 2024-09-11
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I've had the Capital One XXXX card for a year and a half now, and it's been my go-to for daily purchases. However, I've been stuck with the initial {$500.00} credit limit. Ive had to pay off my balance multiple times each month just to reuse the same small credit line. Despite requesting a credit limit increase, Ive only been bumped up to {$1500.00} one day ago, which still isnt sufficient for my monthly spending needs. 

With a credit score of over XXXX, no late payments, and a strong relationship with Capital One, I believe my credit line should better reflect my spending habitsideally, something closer to {$8000.00}. If this can not be accommodated, I ask Capital One to close this account.