davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BB&T CORPORATION (TN)

I am currently trying to refinance my mortgage at a lower rate. My current rate is 4.25 %. I was quoted a rate by  BB & T  of 3.5 % on   XXXX     based on the property value of {$120000.00} which was from  the county p roperty tax a ssessor and my excellent credit score. After  providing all the consen ts and paperwork to proceed, an appraisal fee was requested. I paid {$620.00} to BB & T for the appraisal. Upon receipt of the appraisal report, BB & T   informed me that they could no longer offer me a rate of 3.5 %. They could only offer a 3.625 % rate, since the property value was assessed at {$98000.00}. I have an excellent credit score o f  XXXX  and feel that the appraisal was deliberately undervalued so that the rate would be inflated. The rate change is fraudulent and misleading. The paid appraisal value and tax assessment are too far apart. This should be investigated for fraudulent activity and prosecuted to the fullest extent of the law.
Consumer complaint received 2017-06-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc. (NC)

I received a letter fr om Eastern Account System of Connecticut , Inc c oncerning a debt of {$980.00} owed to the creditor,  XXXX . After sending a letter  to Eastern Account System of Conn ecticut, I received a letter from them with a picture of a screen shot showing my address for the creditor service in  XXXX , SC. I never lived in  XXXX , SC. If you do a record search, you can see that I only lived in  XXXX , SC.
Consumer complaint received 2017-06-06
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Consumer Recovery Solutions, LLC (NH)

This collector is n't calling me too much, and they have not used any inappropriate language, or anything like that. In fact, they were careful with their choice of words, but were clearly attempting to make it sound like I would be taken to court over a {$90.00} medical bill. The exact voice message left today  XX/XX/XXXX  by "   XXXX   XXXX   '' was this : " This message is for ___ if this is not ____ please hang up. This is   XXXX   XXXX    calling again with the office of CRS I was just calling as a courtesy to you and I am not sure if you 're aware what 's taking place here or not. I 'm now being asked to have a case in your name reviewed for final disposition. I just wanted to make you aware of this, as a courtesy to you before that took place. At this point you do need to contact me immediately now it 's   XXXX   use your case number as a reference when you call which is  XXXX . And again I need to speak with you immediately or you can have representation call me immediately on this as well '' I 've uploaded the voice message. When I later spoke to   XXXX   XXXX   he knew very well that he chose his words in the voicemail carefully and pointed out that he said that I " can have '' representation. So in his head it was no threat of legal action. The use of " Disposition '' instead of " Deposition '' is obvious that they are doing what they can to make this seem like they are not wording this as a threat - but they are.
Consumer complaint received 2017-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (IL)

I applied for th e Amazon Visa card, via the Amazon website,  bef ore  XX/XX/XXXX . Ch ase was the bank underwriting th e Amazon Visa ca rd. A few weeks later I received a letter from Chase declining the card and the reasons wh y. In   XX/XX/XXXX , I re ceived   3 additional denial letters from Chase cr edit declining the issuance  of the Amazon Visa card. I returned one of the letters to Chase credit,  asking them to stop sending me these letters since I only applied for t he Amazon Visa card only  once and already had received a denial letter. Later on I saw m y  XXXX  repo rt and there had been  XXXX  separate inquiries in  XXXX  by Chase! On  XX/XX/XXXX  I received another letter from  Chase ( se e attached ) declining my '' application '' fo r Amazon Visa ca rd. I only applied once back in latter part of  XX/XX/XXXX ; I keep receiving these letters f rom Chase, and Chase keeps p ulling my report without my authorization! This has to stop. I need to know who authorized these inquiries, by Chase, in my  XXXX  Credit report. There is fraudulent activity going, and it needs to stop.
Consumer complaint received 2016-12-19
Product: Other financial service — Debt settlement
Issue: Fraud or scam — 
Company: Equitable Acceptance Corp (PA)

I was told that I pay them a certain amount and my student loan would be forgiven, was contacted by XXXX and they stated that, not true never heard of the company and i been paying them sine XX/XX/XXXX, monthly since. And nothing has been paid towards the loan. Also that a student loan is never forgiven, so I been paying them, thinking it would be paid off, tried calling have to leave MSG for someone to call back. The company name is Equitable Acceptance Corporation, XXXX, MN XXXX
Consumer complaint received 2017-06-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A. (CA)

On  XXXX   XXXX ,  XXXX  I applied to refinance my home mortgage. with  XXXX   XXXX . They ran my information through  XXXX  automated underwriting system and I reported back that I had a mortgage charge off.     I know for a fact that I did not have a mortgage charge off. I contac ted CitiMortgage  immediately to clear the issue. After being hung up on and given the run around, I was told they did not report my account as a charge off. The account in question was refinanced in  XXXX  by them. They have refused any further action or responsibility.     In the mean time ... .CitiMortgage is the only one that can clear this error and my rate lock expires in 14 days.
Consumer complaint received 2017-06-06
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: AMERICAN EXPRESS COMPANY (OH)

On XXXX XXXX, 2017, I spoke with a Delta representative in regards to changing my flight day and time to another day. I was on the phone for an 1 1/2 hours talking with XXXX who was so politely helping me get the situation resolved. He asked during our conversation had I signed up for Sky miles. He explained the terms of how sky miles worked and said it was n't any cost to me, but if I wanted to do an application to qualify for an american express card I could do so. I proceeded to tell him, I had already filled out an application online when I was looking for flights for my up coming XX/XX/XXXX trip. On XXXX XXXX, 2017, I filled out an application and was declined the credit card. I told XXXX, I had already applied for the credit card and was denied. He ask me how long ago and I specifically told him approximately 2 months ago. He proceeded to say, we can check on that to see what we have on file. He comes back on the line and tells me they have no record of me applying for the card, and told me that perhaps I did n't get an approval letter yet. I told him that I was denied, which clearly means I received a letter. I did go ahead an redo the application based on the information he gave me. He connected me over to another department and a young lady proceeded to give me alot of info about the card and what it offers. I told her the same thing, that I had already did an application before and was n't approved. She said, ok and proceeded. After she put the info through the decision came back denied. After, I hung up with the representative, I went to my email to check the status of what the credit decision said. Well, lo and behold, I get on there and see I was declined onXX/XX/XXXX17 and XX/XX/XXXX17. My point here is that Delta should have know that a quiry was placed on there on XX/XX/XXXX17. I did n't want another quiry on my credit report. I believe they knew the first application I did was on there and therefore I feel that my rights were violated according to the fair credit reporting act.
Consumer complaint received 2017-06-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC (GA)

I have resolve d a de  bt in  full   XXXX   XXXX   it was filed in the court of my county   XXXX   XXXX   XXXX   however they will not remove this from my  credit report. Over the last 30 days I explained to them that I care for   XXXX   XXXX   XXXX   and I was trying to purc hase a home for them and this is affecting me from getting a loan from the bank. I foun  d out this was still on there after my landlord allowed the home we was in go into foreclosure and I tried to purchase that house. I was denied a loan so me and the kids literally we go sat out on the street and lost everything.
Cavalry SPV I LLC have the information in their system and they also sent me a copy of the " Satisfaction of Judgment '' paper and told me to take that to the bank and that the bank would see that I paid it. I have call this company over and over and they will not take it off. Now yesterday I call again and the representative told me to forward   him a copy of the same form that they sent me. I did as he asked but informed him that it 's their responsibility to update the credit report. This is so unfair because I had a debt and I paid it in full and they are not doing their part. I am asking the CFPB to help me in this matter. I will upload a copy of the satisfaction of judgment. Thank you in advance
Consumer complaint received 2017-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

My Complaint is against Experian.
I have paid for, and requested free   XXXX    agency credit reports and Experian has refused to send them to me.
I just requested a credit score through  XXXX , these were the results :   XXXX     XXXX    XXXX   XXXX  Experian  XXXX  ( a difference of  XXXX !!!! ) I attempted to file a claim against them, using their website, and there identification data is so bad, I ca n't pass their identity authentication! ( no problem with the other two agencies! ) It 's a catch 22, if they wo n't send me my credit report, how can I tell them where they are wrong.
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One should expect a certain amount of self monitoring. When the agency checks its results against the other agencies, and sees a large discrepancy in credit number, they have got to make an effort to investigate it and correct it.
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It looks like this may be a revenue generating strategy on their behalf, or if not, complete incompetence. They must have a record of my making attempts to obtain a report multiple times, but do not appear to be interested at checking their records to determine why there might be problems.
<P/>
Note, that I am a member of  XXXX , and   XXXX   makes requests to deliver credit information on my behalf. this should demonstrate sufficient authentication to show them that something is desperately wrong with their records and authentication methods.
<P/>
By misreporting my credit for over 12 months, they are doing a disservice.
When you penalize an individual and deliberately prevent him/her from making corrections, this is a big problem. Deformation of character.
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I 'd like to recommend that an audit be made of Experian 's operational activities, to identify the extent of their inefficiencies. I have spoken with others in the industry, and they have stated that Experian is known for inaccuracies. This needs to be fixed, or they need to be closed down.
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Ref : Links regards their services : https : //www.consumeraffairs.com/privacy/experian.html Better Business Bureau ( 98 % Negative reviews ) https : //www.bbb.org/sdoc/business-reviews/credit-reporting-agencies/experian-consumer-services-in-costa-mesa-c a-13062929
Consumer complaint received 2017-06-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

I explained to XXXX last week when she called that I had to medically retire from work and could not afford to pay {$250.00} before XX/XX/XXXX. I received a letter stating they would refer for legal action if it was not paid by then. Just like when they disabled my vehicle and I tried to call I ca n't get through to anyone unless I 'm calling to make a payment. All my calls have been forwarded to voicemails yet I 've received several calls from them to make payment arrangements they already set up like they know my budget and I 'm going through a hardship. Theyre also demanding a lumpsum settlement that I do n't have to pay at this time but wanted me to pay the settlement amount of {$4200.00}. I no longer have the truck. The interest rate they had my car priced at was an illegal rate 23.9 %. Although I signed the contract I was n't aware of this at the time or that they would tamper with and disable my vehicle after being one day late with my payment. The contract should really be voided because of outstanding interest rate I was overcharged. This is an aweful company to work with and has lied to me saying they did n't tell the car lot to install the disablement and for me to go there call them and they would let them know. XXXX said they would remove it if they spoke to someone from the finance company.I get to XXXX XXXX  where I got the truck from so Credit Acceptance can speak to them to have it removed and I 'm placed on hold for a long time and then I 'm told they did n't tell me that. So while the vehicle was in my possession I 've been at risk of being stuck in unsafe areas due to the vehicle being disabled for being a day or so late with payments and at the time I was working a lot and needed that extra day or so. I come out at XXXX to go to work from working a double shift the night before and the car did n't start. I was left without transportation to work or to the bank to even deposit the payment.
Consumer complaint received 2017-06-06
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. (PA)

2 Months ago, I checked my credit and found that someone at   XXXX   XXXX   XXXX  ,  XXXX , Florida  XXXX , Stole my Idenity by using my Name,   XXXX   XXXX   and SS # to apply for a   XXXX   XXXX   credit card. I immediatly, contacted   XXXX   XXXX   and denied the application was mine and requested a freeze on the fraudulent application. my  credit score wa s effected.
Consumer complaint received 2017-06-07
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. (PA)

On   XXXX    XXXX   XXXX  my Bankruptcy was  discharged, And  when I go look at my status it 's still listed on my report .I tried to contacting them thru filling out a Dispute and it kept through in me out of there site, quite a few times.   It states these, Derogatory public record or collection filed . ( N ot listed ) on other reports .Also time since delinquency to recent or unknown covering all bases.amount owed on delinquent accounts should n't be any.proportion of Balances to credit limit is too high on bank revolving accounts do n't have any on file.number of inquiry impacting the score. They gave  XXXX  's  XXXX  a  XXXX  and I have A  XXXX .  Trans Union is very deceiving company PS. The Bankruptcy should be off record I have proof I am credit fit as proven by my 100 % pay Back worthyness.please review   XXXX   XXXX   XXXX   too thanks agai n
Consumer complaint received 2017-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I h ad two studen t loans from  XXXX   XXXX  which were serviced by  XXXX . In  XXXX   XXXX  i filed chapter  XXXX  bankruptcy receiving a discharge in  XXXX   XXXX . From that point forward,  XXXX  has made a breve of errors in reporting both student loans incorrectly. I have made ove r 15 disputes fr om contacting them directly and filing disputes through each credit reporting agency. However the problem continued to persist. I have been extremely clear in the accuracy of reporting these items and provided  XXXX   XXXX  guidelines when disputing.     I am aware that the student loans were not dischargable in my bankruptcy but my complaint is based on t he Credit Reporting.       XXXX , and each bureau, have violated Fair Credit Reporting Act,  US Bankruptcy Code, Fair Debt Collections Practices Act and state law in California called the Rosenthal Act by failing to appropriately report AND investigate my complaint . By  XXXX  continuing to report my balance as charged off and not included in the bankruptcy, they effectively reported my tradeline incorrectly.     Furthermore, I continued to pay my loans as best as I could and in  XXXX  I settled both loans with  XXXX  by offering a payment amount less than the full balance, whereby they accepted both offers. Both payments were issued and the debt had been settled, however, these trade lines continued to show the account being Charged off with a balance.     After 6 months of additiona disputes and conversations,  XXXX  indicated they would revise their reporting to indicate my balance owed as {$0.00}, and contain comment/remark to state the " acct settle for less then full balance '' The tradelines as of today, continue to report Incorrectly and have been damaging my credit. Federal law poses insurmountable hurdles to bring  a private Right of action  for these continued violations whereby creditors would be statutorly fined at least {$1000.00} per month each tradeline failed to be cor correct after notice. Therefore, the Government has placed a protective shield around these servicers whom continuously violate my consumer rights.     Over 2 years since I 've settled and paid for these loans,  XXXX  continues to damage my credit because they simply refuse too.     Please get this corrected and allow me to sue  XXXX  for its willful behavior.
Consumer complaint received 2017-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A. (FL)

Paid in full Amt due per attached check. Credit report still reflecting balance due and derogatory credit score which I have disputed over and over while they drug out their investigation that my credit union reported they input info wrong electronically causing a bank certified not personal check sent by my bank officer in XX/XX/XXXX to bounce. The amount of the bank certified ck due {$350.00} in XX/XX/XXXXto pay in full account ending XXXX not XXXX as they have on credit report. CIti is very unorganized which is why I closed my acct in XX/XX/XXXX and asked for payoff. I will never use them again. The rest of my credit report is stellar. Giving these crooks this kind of power is absurd and unamerican.
Consumer complaint received 2017-06-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: GREAT LAKES (NJ)

I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : 90 days past due as of  XXXX   XXXX  60 days past due as of  XXXX   XXXX ,  XXXX   XXXX  30 days past due as of  XXXX   XXXX ,  XXXX   XXXX  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 this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.
Consumer complaint received 2017-06-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (MS)

I purchased a new car in  XXXX  in which it was financed b y Santander Consumer USA. The payments were going fine until I experienced  financial hardships in  XXXX  and fell behind on payments. When I contacted them I was told that since the payments had not been made that the truck had been charged off in which {$27.00},  XXXX  had been written off. I am still in possession of the truck and making payments. I was told by the company that in order for the charge off to be taken off my credit report that I had to pay the loan out in full. I am concerned about this matter because I am paying the note every month but it is still negatively impacting m y credit score. I do  n't think this is fair and not sure of what a fair resolution would be but I do feel that it is unfair to continue to pay the note and it still negatively affect my credit.
Consumer complaint received 2017-06-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MS)

I have a home equity line of credit through Wells Fargo Bank. I got behind on my payments due to an imposed retirement from my job after 29-1/2 years. I am really surprised at how aggressive Wells Fargo  has been considering that they are a second lien ( I have a primary mortgage with  XXXX   XXXX   )  on a house that realtors tells us is already " underwater '', that is we already owe more on the house than what it 's worth on the market.  <P/> On  XXXX   XXXX  , 2017, Wells Fargo had  Substitute Trustee Sale of the property for $  XXXX . This is only a fraction of what the property is worth. We tried to p ay Wells Fargo our  delinquent payments, but they refused to accept.  <P/> There is something seriously predatory about this practice!
Consumer complaint received 2017-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND)

Send removal of freeze proof of ID back  in  XX/XX/XXXX  and  XX/XX/XXXX , Tra  ns Union h as incompetent people.
Consumer complaint received 2017-06-06
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX XXXX XXXX XXXX {$680.00} Neither the collection agency or the bureau XXXX has validated the debt. <P/>Under XXXX it says the account name is unknown the only thing that was close to matching the debt under XXXX is the dollar amount and the incomplete account number and under TransUnion the account name is XXXX XXXX XXXX  limited again the only thing close to matching the debt under XXXX is the dollar amount and the incomplete account number