davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-12
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A. (NY)

On XX/XX/2018 I was denied a loan because the condo association which I was purchasing the condo from did not have enough funds in there reserve and was not approved. 
All closing cost should have been paid " At Closing '' However, On XX/XX/2018 Citi Bank had prematurely charged me for closing cost totaling {$790.00} Appraisal - {$590.00} Credit report {$21.00} Application Fee {$170.00} Flood Certification {$5.00} Citi Bank should have waited until they had all the proper documentation ( Questionnaire ) in place before they requested payments that are usually made at the time of closing. Please see attached documents.
Consumer complaint received 2023-06-28
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. (MI)

XXXX XXXX XXXX XXXX, XXXX has reported inaccurate information about ( ACCOUNT XXXX ) to XXXX, XXXX, and TransUnion consumer reporting agencies. XXXX XXXX XXXX XXXX, XXXX has failed to conduct a reasonable investigation regarding the disputed information. If a reasonable investigation took place, the inaccurate information would have been discovered and changed accordingly. Instead, the inaccurate information was verified, and no changes were made. The inaccurate reporting of this account is damaging my ability to get credit, negatively affecting my XXXXredit score, and has caused me emotional distress. 
I have disputed the accuracy and completeness of this account with the consumer reporting agencies on multiple occasions and the results come back verified. I have also sent a complaint ( XXXX ) to the Consumer Financial Protection Bureau to resolve the inaccurate reporting and requested the deletion of this account which was declined. 
XXXX XXXX XXXX XXXX, XXXX has failed to satisfy its duty under the Fair Credit Reporting Act 15 U.S.C.1681s-2 ( b ). After my dispute was received by the credit reporting agencies, XXXX XXXX XXXX XXXX, XXXX received a notification from the credit reporting agencies that the account was disputed. XXXX XXXX XXXX XXXX, XXXX responded to the credit reporting agencies confirming the accuracy of the account without investigating, therefore violating the FCRA. This violation has occurred with all three credit reporting agencies and you are liable for the sum of {$3000.00} under 15 U.S.C. 1681n. Additional equitable relief sought is the deletion of this tradeline, with no future reinsertion to XXXX, XXXX, TransUnion, and or any other consumer reporting agencies that may have been furnished with this account information. To allow you the reasonable opportunity to resolve this matter, you have no later than 14 days respond. Failure to respond will result in the escalation of this matter to arbitration. Furthermore amongst checking my report XXXXXXXX XXXX Failed to notify all Credit Reporting Agencies of the DELETION OF The ACCOUNT THEY DECIDED TO REMPOVE OFF OF MY XXXX CREDIT REPORT BUT THEY DID NOT NOTIFY XXXX OR TRANSUNION OF THE DELETION OF THE TRADELINE. XXXX ALSO SHOWS THE ACCOUNT STILL REPORTING AFTER I RECIEVED A NOTIFICATION THAT AROUND XXXX XXXX XXXX THAT THEY REMOVED THE TRADELINE FOR THE ACCOUNT WITH XXXX XXXX WHICH IS XXXX. Which is another violation.
Consumer complaint received 2023-06-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ENOVA INTERNATIONAL, INC. (LA)

I submitted a pay off check which is what THEIR system indicated balance was and once they received my check they said that was not my payoff balance. I am tried Mutiple times to get this straight but they not want to work with me. They provided incorrect account balance on their system. They made the pay off process very unclear and confusing. I feel like I have been treated unfair, now my credit is being reported negatively. This has been the most painful process and company to work with. My check was returned and they are STILL charging more interest when I tried to pay off this loan.
Consumer complaint received 2023-06-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC (TX)

Flagstar Bank fails to remediate payment credit allocation issue with funds going to the incorrect accounts creating late payments and other logistic problems. One of my complaints is the website that will not accept payment from business accounts which is a problem for me accountingwise. This forces me to look at their website for th changes every month to be sure that I am current. I tried to remediate three times at a minimum over the last 4 months with their customer service. The reps were professional and assitive. However, when routed to a manager whom I spoke on the XXXX of XXXX. She was XXXX.and XXXX  from the start. When I tried to explain the problem, she continuous interrupted me while speaking crypticaly about what this remediation process was not conducted in the same dept and that I had run out of time to remediate ( 90 days ) and that Flagstar will not redistribute funds to their proper location even after paying differences in payments to correct the books. Flagstar failed to remediate my issue and the manager was provacative to the point of my losing my temper. I am a veteran business owner who feels discriminated by Flagstar as they have put up several procedural obstructive barriers to resolve problem or even contact them. The phone system asks for a full social secutiry number to be punched and my result was to be kicked out of their phone system. I finally reached Flagstar CS through a very frustrating gauntlet of redirection. They are not small business friendly and has put up barriers to service in particular to deal with businesses like mine. I have to do MORE work than a regular consumer by their design. Flagstar was not my first mortgagor for these five accounts and previous mortgagors were small business friendly and CS oriented. I hope there not a great many Flagstar customers have had my customer experince. It truly sucked. It is my hope that they sell my notes to another bank to service these loans. I will take the gamble of whether another mortgagor will service my accounts will be better.
Consumer complaint received 2023-06-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (OH)

My mortgage servicer is US Bank. Due to COVID-19, I experienced a loss of income and have struggled to make my mortgage payments. In XX/XX/XXXX, I reached out to the XXXX XXXX XXXX XXXX XXXXXXXX XXXX for assistance. With the help of Legal Aid, I applied for mortgage assistance through XXXX XXXX XXXX XXXX XXXX Homeowners Assistance Fund ( HAF ) program, Save the Dream Ohio. 

On XX/XX/XXXX, the XXXX XXXXXXXX XXXX XXXX conditionally approved my application. They sent a verification record to US Bank for them to send back to the XXXX  XXXX XXXX XXXX. US Bank completed this step in XX/XX/XXXX. Shortly after, the XXXX  XXXX XXXX XXXX notified me that my application had been fully approved. 

Save the Dream Ohio made the first payment on XX/XX/XXXX, which reinstated my loan. I was also approved for six months of additional mortgage assistance. To date, the XXXX  XXXX XXXX XXXX has sent mortgage assistance payments to US Bank on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. However, my most recent billing statement, dated XX/XX/XXXX, indicates that I am two payments behind. I have erroneously been charged late fees for two months.
Consumer complaint received 2019-01-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC (CA)

I received a correspondence from Dynamic Recovery Solutions dated XX/XX/XXXX, attempting to collect an alleged debt on behalf of XXXX XXXX XXXX. I responded promptly once receiving this correspondence completely rejecting, rebutting and rebuking such a false claim and advised that I owe no such debt and have no contract or obligation whatsoever with XXXX XXXX XXXX. I advised them to correct their records and respond in writing that their records are corrected and reflect that no debt is in fact owed and all collection attempts and activities will cease, as of XX/XX/XXXX, I have received no such correspondence. I advised that I would file this complaint with the CFPB and afterwards move forward with litigation if this unsolicited activity and harassment continues. I have attached my correspondence below.
Consumer complaint received 2019-01-11
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. (UT)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX   XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2019-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (AZ)

I have a claim in progress but also wanted to report the company representing XXXX XXXX at XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX with XXXX XXXX at XXXX XXXX XXXX is reporting false information to the credit bureaus. The XXXX at XXXX XXXX XXXX send us a final bill for our apartment so we paid the full amount on XX/XX/2015. We received confirmation from the manger on duty to let us know that our account was closed and no further payments or requirements were required from us. However, I recently checked my credit report and I noticed that XXXX XXXX XXXX XXXX XXXX with XXXX XXXX at XXXX XXXX XXXX is reporting on my account as a collection in the same amount of {$550.00} that we paid for. I contacted The XXXX at XXXX XXXX   XXXX to investigate the reason why I was in collections for the same about that we provided payment for. The XXXX notified us that there is nothing that they could do - that we had to resubmit the payment. I'm attaching a copy of the check dated for XX/XX/2015, bank statements, and my credit report to suppress my case.
Consumer complaint received 2019-01-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Westlake Services, LLC (NH)

on XX/XX/XXXX i purchased a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX. 
they are no longer in business. the price was {$7400.00} i put a down payment of {$1000.00}. the balance of {$6400.00} was financed by westlake financial. the payments were {$250.00} per month. i did not really look at the interest until westlake financial gave my loan to a company called XXXX XXXX. i went through bankruptcy from XX/XX/XXXX through XX/XX/XXXX i did not put westlake financial on my bankruptcy case. when i looked at my loan i have paid {$3300.00} XXXX. i knew i would pay a high interest rate. 
i thought i was paying 24.99 %. 
i am checking to see if the rate of interest i am paying is legal.
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I, XXXX XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX XXXX, am mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Consumer complaint received 2023-06-28
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)

In accordance with the fair credit reporting act convergent accounts listed below has violated my civil rights : XXXX XXXX XXXX : opened XX/XX/XXXX XXXX XXXX XXXX : Opened XX/XX/XXXX XXXX XXXX XXXX : Opened : XX/XX/XXXX Dept of ED/ XXXX Opened : XX/XX/XXXX -XXXX- XXXX-XXXX -XXXX- XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - 15 U.S.C 1681section 602 A. States that I have the right to privacy. 15 U.S.C 1681section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-01-11
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Moria Development, Inc. (NE)

I opened my first complaint on XX/XX/18, and the issue has yet to be resolved, despite two complaints being closed already. The mortgage servicer claims to have not received a payment sent through my bank 's billpay system on XX/XX/18. I provided proof that it was sent by the bank, and my bank did a trace and determined that the servicer never cashed it. On XX/XX/XXXX, the payment was reissued and a stop payment was placed on the payment that the servicer could not locate. I was assured that the negative information would be removed from my credit report and that everything would be resolved, and as of today nothing has been fixed and I am still receiving collection letters indicating that I have missed a payment, although I have provided XXXX  's with proof that every payment was sent. They have failed to correct this in a timely manner, resulting in an inability for me to obtain financing needed for my business based on false information provided to the credit reporting agencies.
Consumer complaint received 2023-06-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (TX)

I had a policy on a boat through XXXX XXXX and underwritten by XXXX. 

My policy autorenewed on XX/XX/26 and I cancelled and switched to XXXX on XXXX ( 6 days ). 

My policy amount was {$680.00} so for 6 days I should owe {$11.00}. I was billed {$76.00}. 

I called XXXX to understand why and they told me that I had to call XXXX XXXX and they could not provide me with details. I called XXXX XXXX and they told me that the billing amount was incorrect and instructed me not to pay it and they would resolve it. I receive another notice on XXXX telling me the amount was still due and if I did no pay it would go to collections. I've never paid anything late in my life and have a perfect credit report. I called XXXX again ( several times ) and have text messages from my account manger that documents this conversation. First they told me that there is a 10 % early cancellation penalty and that was the reason. I asked for documentation to confirm their explanation. None was provided. I followed up. I was then told that there is not a 10 % cancellation and the amount will be removed. It wasn't. 

My account was then sent to collections. I paid the incorrect amount to immediately resolve the open issue, but it a fraudulent charge and I want this resolved accurately for the principle of it. XXXX sent me documentation without any detail as to how the {$76.00} was calculate. This is corporate greed using the Credit Reporting Agency system to extract money from consumers who think they have no options. 

I have text messages and a recording of my last call with XXXX and XXXX that I can provide to support my claim and I'm in Texas so it's legal for XXXX party to record the call. 

I am very thankful we have regulatory bodies to to keep corporations in check again crimes like this and appreciate your support. 

XXXX XXXX
Consumer complaint received 2023-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (IL)

I was written a check by a previous employer, XXXX XXXX XXXX Chase restricted my account until it could verify the check and the writer of the check. 

I have been on endless phone calls with my bank, Chase. They refuse to directly call the number on the check for verification purposes. They stated that they can only call verified phone numbers for the writer of the check, which begins with " XXXX. '' However, they have been bounced around between departments and when directed to XXXX, the company that writes the checks, they were unable to help. 

I have probably talked to 5 contacts from XXXX, and 20 from Chase, with no luck. 

I warned them that they have 7 business days to release my funds to me, or I will take legal action. They warned that my account would be closed in 10 days if this is not resolved, but they are refusing to try and resolve this. 

I want to file legal action against XXXX, Chase Bank, and XXXX, all 3 bodies involved.
Consumer complaint received 2023-06-28
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. (CA)

I have 2 fraudulent inquiries on my credit report, that I reported it to XXXX XXXX XXXX, yet XXXX  XXXX XXXX  is not removing this fraudulent inquiry. The followings are the fraudulent inquiries : XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX  XXXX / XX/XX/XXXX.
Consumer complaint received 2019-08-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: RENASANT CORPORATION (GA)

Renasant bank closed my account without cause or contractual authority. I am in receipt of your erroneous letter claiming you are utilizing contractual authority to close my account. We did not sign or agree to the text you quoted in the letter. Your misconduct to bluntly send me a template of a letter to close a CFPB complaint is unethical and unprofessional. 

All calls to myself or my family will be recorded without notice pursuant to GA wiretap laws ( One party consent state ). 

I formally reject your previous letter as reasoning for closing this complaint and condemn you for accusing me of having such a fake agreement with your bank.
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear Transunion 2 hard inquiries were falsely register on my credit report. 

XXXX XXXX XXXX  XX/XX/2022 {$0.00} XXXX XXXX XX/XX/2022 {$0.00}
Consumer complaint received 2023-06-28
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. 
The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX
Consumer complaint received 2023-06-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

A fraudulent mobile banking account with Bank of America was opened in my name this morning at XXXX. The account was granted by Bank of America and a debit card was issued. I have reported this issue to Bank of America and they have closed the account. This exact issue happened with Bank of America less than a year ago in XXXX of 2022. I have case numbers for both instances along with police reports. I was alerted about this fraudulent account via emails. Bank of America told me that there have been no transactions on the account at the time I reported it. As of last year, my credit has been frozen in XXXX, XXXX, XXXX, XXXX, and XXXX. This account should not have been approved based on the fact that all my data is frozen with the agencies used to verify my finances.
Consumer complaint received 2023-06-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital one sent this email User XX/XX/2023 Important Information About Your Account ( s ) Re : Your account ( s ) ending in XXXX XXXX XXXX, XXXX decided to close your account ( s ) ending in XXXX because we observed activity that is inconsistent with our terms and conditions. When opening your account ( s ), you agreed to the terms and conditions that state we may close your accounts at any time and for any reason. Were unable to reopen any accounts and you wont be able to open any additional accounts with us.

Your balance and any interest earned will be transferred to your linked external checking account within 2 to 3 business days. If you don't have a link or your link is closed, a check will be mailed to your address on file within 7 to 10 business days.

If your account balance is currently negative, youll be held responsible for the negative balance. If you have any pending claims, well wait for those to reach final decisions before proceeding with the account closure. You'll need to stop writing checks and cancel any automatic deposits or payments for the account right away because it has been restricted from future use. 

If you have any questions, please call us at XXXX, XXXX XXXX XXXX. ET, 7 days a week. 

Thanks, Claims Support Center Capital One I have tried reaching out to them to figure out as to why they closed my account leaving me with no funds. I had a total of USD {$4800.00} in that account Theyve said that they will send out the money once the last pending transaction clear ( which already has ) and once they conduct their investigation but have given no time frame as to when that will be. This is all very frustrating because its my hard earned money and its not right that there keeping it hostage with out definite time frame as when the account will be fully closed and the money will be sent out.