davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-11
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. (WY)

A XXXX XXXX XXXX employee made a duplicate refund to my credit card in XX/XX/2021. They then tried to charged the double refund back to my card, which was declined. They then attempted to contact me at an address I no longer occupy. The bill was sent to collections with XXXX XXXX XXXX. Outsource XXXX XXXX finally contacted the correct address in XX/XX/2021. The bill of {$560.00} was paid in full in XX/XX/2021. XXXX never provided an opportunity for me to pay this debt before sending to collections. 

XXXX and XXXX are not reporting this collection on my credit report. 

Experian is still reporting even after a dispute and after XXXX XXXX XXXX has sent them a paid in full balance.
Consumer complaint received 2022-02-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (CT)

The issue began when I refinanced in XX/XX/XXXX with XXXX XXXX XXXX XXXX XXXX first on the XXXX and they lost the mortgage document and I re-executed again on the XXXX of XXXX. 
In XXXX XXXX I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX stating the mortgage was again lost and XXXX XXXX were the owner servicer XXXX  should XXXX not re-execute they would go to the court to have the mortgage judicially validated at my expense. I did re-execute for the XXXX time and remained current at all times. I filed a Chapter XXXX bankruptcy in XX/XX/XXXX my mortgage was current and not the reason for the petition filing declaring a current mortgage invoice to the Attorney. In XXXX of XXXX the bankruptcy Attorney contacted me stating he needed to amend the petition to include the unsecured mortgage and I stated I signed a promissory note, and the mortgage can not be discharged at which time he stated there was not a security instrument/lien attached to the property and he would lose his license since I have assets. 
I informed him I owe the bank and I am current, and I need to keep my home, and he told me I had to pay the trustee not the mortgage, because there was no recorded mortgage on the property which created the asset. I continued to pay the mortgage until I received a call from the Attorney asking why I had not paid the Trustee and I told him I paid my mortgage. The bankruptcy Attorney told me you do not owe the mortgage you must pay the Trustee. Although the XXXX mortgage was not recorded, I continued paying the XXXX mortgage in full. The original lender was paid through XX/XX/XXXX yet the foreclosing servicer and their Attorney state 2 different dates of default both are incorrect in addition their submitted affidavits are written with unclean hands to steal my home, since they do not have an actual accounting of what is due or which mortgage they are collecting ( one, two or three ) their motion for summary of judgement was written with malice and forethought and I can prove the court was deceived ruling in their favor. First and foremost, they stripped the equity from the home, and they did not present the actual bankruptcy petition and the amount they claimed in default also was not an actual accounting. The mortgage was lost 3 times and they told the court none of that or which mortgage they were attempting to collect. It should not take 13 years to record a mortgage and it should not take almost 5 years or more to foreclose if you have true ownership to foreclose. I am a XXXX XXXX citizen who has lived in this home for over 23 years and it's nonsensical to pay to buy a home and pay to lose their home because of predatory lenders errors. I offered to pay them going forward if they were entitled to the money and they refused even though they buried me in debt before they started the action to foreclose, and I know it's because they did not know who owned the mortgage in addition to that they do not have an original mortgage.
Consumer complaint received 2022-01-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXX is using my identity and saying i owe the 15 USC 1692e I never signed a contract in wet ink with them, true holder must provided original instrument if indebtedness in original form, XXXX has only produced billing statement, which when original opened in XXXX  i was 19, 15 usc 1637 states, No credit card may be issued to, or open end consumer credit plan established by or on behalf of, a consumer who has not attained the age of XXXX, deceptive forms ; XXXX is saying the are department of Ed, using their name on form when in fact these are 2 different businesses, there is over XXXX in alleged fees/on report over 15 years/7years limit, which hold a negative weight on my debt ratio, XXXX, XXXX, trans union are updating information without all fact/validity ; i ask that all accounts be removed because alleged contract is cancelled void null, lenders & associates must follow the law ; they have removed some accounts not all ; they are not reporting accurately to all 3 bureaus, because one inaccurate item has caused adverse action and knowingly causing harm to my livelihood, they have been reporting different information on all report i provide documents with total on all, not listing all required informations, i have lost a number of opportunities for growth because these inaccuracy
Consumer complaint received 2022-01-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Called Bank of America who kept me on hold for XXXX minutes then gave me auto cb which happened XXXX minutes later about transaction fees spoke to a XXXX who would not answer questions about the transactions or fees. After requesting to speak to a supervisor she kept me on hold XXXX minutes and then said she could not transfer me and her supervisor said to have me call back and repeat the hold process to get a Supervisor on line basically repeating the XXXX minute process. 

This is complete disregard for my time as a consumer with a supervisor/manager not making themselves available or requesting my number to immediately call back.
Consumer complaint received 2022-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: ALLIANT CREDIT UNION (VA)

I am a man/natural person and this is not a credit repair company. On XX/XX/XXXX, I exercised my right as the consumer/benificiary in a consumer credit transaction when I applied for a credit card with ALLIANT CREDIT UNION `` ALLIANT ''. My personal information was used on the application as well as my location information. From my understanding, banks do not lend money or extend credit as we have been bankrupt since XXXX. 12 usc 83 - No national bank shall make any loan or discount on the security of the shares of its own capital stock. ALLIANT became trustee to my social security trust as this is a trust action. They deprived me of my rights to extend credit which is a violation of 18 usc 242. They have committed trust fraud, bank fraud, and securities fraud. Each holding a fine from {>= $1,000,000} to {>= $1,000,000}. I received no benefit which is unauthorized use of my credit card. In order to clarify that there has not been any false claims of securities, illegal securitizations, trades, hypothecating, interest, and proceeds fraud entry misapplied in my name, as benificiary of the account Pursuant to 15 USC 44 Im asserting my rights to acquire documentary evidence for the books of account as defined in IRS 583. Id like to access record keeping of both journal and ledger credits of the account, as well as ledger and debits of the account, in order to verify the current accounting and taxes related to this account. This will allow me to reaffirm my status as the benificiary and you in fact have been loaned the amount in question. This will also confirm aggravates identity theft as you are conspiring to profit without my knowledge or benefit when you are trustee to my trust. Failure to produce said documents will be deprivation of rights as described before and {$10000.00} and/or 5yrs in prison for any. You have committed theft by deception and embezzlement both federal crimes.
Consumer complaint received 2022-01-11
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: SG and Associates (NC)

XXXX : XXXX On today XXXX XXXX at approximately XXXX at no caller ID contacted me by phone stating that I was about to be took to court on false charges and allegations that I had no clue about. The contact person name XXXX stated it was from a diamond jewelry store in XXXX NC in XXXX. I have never lived in XXXX or even heard of the company. I dont have or own any diamonds and never had a purchase for it. I proceed to let her know that this is fraud and I would be making a report. She called out my whole social which was really a red flag. She also sent the document like I ask her and immediately I noticed the date was wrong. I explain to her that I started working for the federal government in XXXX and have and had a active top secret clearance which there is no way I would have missed this on my credit.
Consumer complaint received 2022-01-11
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. (IL)

on or about XX/XX/XXXX, Experian was notified via my attorney in writing of a pending dispute XXXX XXXX XXXX. We submitted over 100 pages with that mailed dispute. 
This indirect dispute triggers an obligation by a credit bureau pursuant to 15 U.S.C. 1681i to conduct a reasonable investigation of the information i disputed. 

Experian must notify the data furnisher ( the entity that supplied the incorrect information ) about your dispute. The furnisher is then required to conduct a separate reasonable investigation pursuant to 15 U.S.C. 1681s-2 ( b ). 

neither Experian nor XXXX have bothered to fix the inaccurate information you disputed, the Fair Credit Reporting Act allows you to sue XXXX, Experian, and/or XXXX AND sue the data furnisher in federal court. 

Experian continues to report my account negative despite being fully aware that there is pending federal litigation against XXXX. 

Experian has failed to conduct any reasonable investigation. On XX/XX/XXXX,, I called experian to speak to one of their " dispute specialists '' upon further inquiry they refused to give me a copy of their alleged investigation. i asked what steps they took. he acknowledged they rec 'd my dispute on XX/XX/XXXX. i asked whether they read what i sent and he said they review it and " determine if its valid ''. then they contact XXXX  about my dispute. He said he could not confirm what day or " what hour '' Experian contacted XXXX. He said that on XX/XX/XXXX XXXX  simply " stated '' that I was late. The so called dispute specialist had no infmation on how XXXX  " stated '' this ( in writing, via email, via phone ) and had no copy of what dates XXXX said I was late on. 

then supervisor XXXX said they actually do not review anything they are just intermediary. experian does not take a position- which is contrary to what the previous dispute specialist said. she said theydont ask for evidence just the result. she refused to disclose how XXXX conveys that information to Experian, thereby I am left out of this side conversation. she confirmed on the recorded that theydo NOT conduct an investigation that in fact XXXX  The representative was extremely unhelpful and was unable to answer the most basic questions related to their so called investigation. XXXX said i would need to re-dispute yet their website will not allow me to upload again the same documents b/c there is alraedy a pending dispute .... yet they previously stated on XX/XX/XXXX XXXX respoded and that the investigation was complete. 

the bottom line is that EXPERIAN has failed to conduct any investigation that could even be considered " reasonable ''. they admitted on their recorded call that they are nothing more than an intermediary
Consumer complaint received 2022-01-11
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. (MD)

On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2022-03-18
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. (MI)

Please be advised this is my 10th WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite 7 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately. 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, 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 by such agency of FTC REPORT ATTACHED CREDIT ACCEPTANCE VIVE FINANCIAL
Consumer complaint received 2022-07-20
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (FL)

On XXXX XX/XX/2022, Freedom Mortgage Company sent a pay off statement to my Title Company which included my XXXX XX/XX/2022 balance. When forwarding the document over they failed to disclosed that if we did not close prior to XXXX XX/XX/2022, the account would be updated with a 30 day past due notice. They were advised on the intent to close on XXXX XX/XX/2022. On XXXX XX/XX/2022 the account was paid in full, however the company reported the account 30 days delinquent. During the closing of the loan, Freedom mortgage made no attempts to contact myself or the Title Company with questions about a " late payment '' or made any indication that a XXXX XX/XX/2022 date would present any issues. 

The company has a history of being misleading customers and mishandling their funds. In XX/XX/2022, the company used my escrow funds and paid property taxes for another parcel. As a result they charged me an additional {$500.00} a month for the month of XXXX, XXXX and XXXX to cover their mistake and mismanagement. In XX/XX/2022, I received the estimated property taxes for the following year and realized my escrow was incorrect. It was not until I called the company that they admitted to their mistake readjusted my payments and refunded the balance on my escrow. 

This company is not here to support veterans and quite often takes advantage of them. On a XXXX  page for officers, there was another veteran who experienced the same situation in regards to her property taxes. This needs to be investigated thoroughly, as they should not be allowed to take advantage of our VA benefits.
Consumer complaint received 2022-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2022 at XXXX XXXX XXXX, I received email that there was suspicious activity on my daughter 's authorized user card. At same time my daughter messaged me that credit card was declined. I called number in email and was told my card had been restricted. I asked why and was basically told that the agent didn't know but that I needed to upload copies of my driver 's license, proof of residence ( like a utility bill ) and my social security card before they could give me any information. I upload 2 of the 3 but can not find my XXXX XXXX XXXX social security card. I applied for replacement card from US Gov't but that takes XXXX weeks. I called again and escalated to manager who basically told me he doesn't know why my account is restricted and won't be able to until XXXX days after all info is uploaded. In the meantime, my daughter had a rental car with a pre-approved charge that was declined when she returned the car even though CapitalOne had already approved it ( and I have an email to prove that ). So my account waits in limbo -- can't be used and is neither open nor closed. And the most frustrating part is that they won't tell me why. AREN'T THEY REQUIRED TO TELL ME WHY WHEN THEY FREEZE MY CREDIT CARD? I googled " capital one restricted credit card account '' and apparently this is fairly common. I think they should accept alternative to social security card. I offered to upload a W-2 with my number and they said " no ''. Again, I can't help fix this problem if I don't know why and I have no idea why they need an electronic copy of my social security card. This is having serious consequences for my daughter who is going to school in XXXX and can not leave due to covid. She uses this card for her expenses and is now borrowing money from friends until I can find alternative credit card. BTW... .my credit is excellent and CapitalOne in the last month issued me a new Venture-X card with a $ XXXX credit limit, but has frozen my oldest card with them.
Consumer complaint received 2022-01-11
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (AZ)

XXXX XXXX mortgage company placed my mortgage into deferment/forebearance in XXXX of XXXX without my consent. I addressed that I had been affected by the virus but was able to stay on top of my mortgage for a time with savings. I asked to be removed and to save the option for when it was needed. After exhausting all options I requested forbearance in XXXX. It was granted but the company advised I was previously entered and they had not yet updated my information. Their account XXXX XXXX XXXX got in touch with me and advised I would start fresh and my account was updated to reflect I had a XXXX year forbearance allowed as a result of being affected by covid. My business and income sufferred as did my clients. The forbearance was to start from XX/XX/XXXX to XX/XX/XXXX. I was required to request and extension every XXXX months. When I requested the final extension it appeared to go through online as usual. However, I sold my home in XX/XX/XXXX and my credit was severly damaged in XXXX after a 30 day late on my mortgage was added to my credit account. XXXX XXXX never updated my account to show the correct forbearance dates. And now that my account has been completely paid and up to date, they advised it is closed and they can no longer see the notes or fix it. In fact, they even sent a letter to my home after the fact advising my home would be short sold. This is horrible! The company has failed to correct and error and now my credit is suffering and it impacts the purchase of our new home. Our family has no place to go. How can the lender be allowed to do this? Never was I called or a certified letter sent to inform me of this. It was an error on their part and even though I have asked them to investigate and repair it- they deny having made any error and refuse to delete the negative credit item. I provided them with the email requesting the details and the account XXXX who stated this would be resolved and my forbearance reestablished for the year ( as needed XXXX months at a time ). Please help!
Consumer complaint received 2022-01-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (NC)

Lender has applied over 70 % of payment amount of all payments on auto loan in XXXX towards the principal instead of the both principal and interest. There is also a billing error from the month of XX/XX/XXXX due to the payments not being correctly applied to the account from the months of XXXX XXXXAccording to XX/XX/XXXX statement the past due amount includent monthly payment XXXX, past due {$540.00} and late fees of {$140.00} reflects {$1200.00} due by XX/XX/XXXX. On XX/XX/XXXX I paid {$570.00} for XXXX and on XXXX I paid {$570.00} for XXXX payment. Total that is {$1100.00}. I do not understand why my account is reflecting {$1800.00} due for XXXX besides XXXX payment {$570.00} that has not been submitted yet.
Consumer complaint received 2022-01-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (OR)

Received a letter from my Insurance company stating that my homeowners insurance was canceled due to nonpayment. It is the mortgage companys responsibility to make this payment in a timely manner. When I called them they transferred me to their insurance division who refused to make the payment for XXXX hours claiming they had to mail a check and could not make a payment from my escrow account over the phone. This means that I will have gone without homeowners insurance for 10 days. This is absolutely unacceptable not only did they fail to make a payment but then refused to make one immediately. Which could be easily done over the phone.