davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-13
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: Experian Information Solutions Inc. (CA)

I applied for a XXXX XXXX XXXX credit card today XX/XX/2020and I  was not approved. I was confused as to why I didn't get approved since I have a great credit history. I looked through my credit report and I saw several accounts and inquiries on my report that are not mine. I did not open any of those accounts and after making some phone calls I found out that those accounts were opened by a person named XXXX XXXX without my permission. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I did not make any purchases nor did I make any payments towards any account. I have already filed a police report regarding this matter.
Consumer complaint received 2020-03-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (NJ)

I have tried on multiple occasions to contact the company with no success. On XX/XX/2020 I sent a written letter to the address indicated on their website to inquire about ending PMI payment and discrepancies on my escrow account. I received no response. Since then I have called numerous times and customer service representatives are unable to help. The phone system is complicated and it takes at least 10 minutes of clicking yes or no to reach customer service representative. I inquired about ending PMI payments because I was not aware they were being charged to my account. I also inquired about closing my escrow account because it always seems to be in a shortage even as my taxes and insurance are decreasing.
Consumer complaint received 2020-01-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY (CA)

I received an email from American Express informing me that my card has been permanently closed for unknown reasons. The email, dated XX/XX/2020 stated that I violated section : 22D ( see email pasted below ). I have not used this card. The only thing that is auto payed through this card is my XXXX account. When I called AMEX the representative simply read my email back to me, but couldn't tell me what section : 22D was or how it was violated. Every single number I dialed for customer service dropped me off to a brainless automated system. I never got a live person to speak with the get some answers. If this is the way AMEX handles their business, I'm better off without them. I feel for the other unsuspecting fools out there that they are abusing. 

Hi, XXXX XXXX, During a recent review of your Account, we noticed activity that was in violation of the Bluebird Member Agreement, section : 22D Due to the violation your Account has been locked and your Account privileges have been suspended. 
If you have any questions, please call Account Protection Services at XXXX. 
Thanks, The Bluebird Team Please reply back to my email at XXXX. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-01-14
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. (UT)

XXXX XXXX XXXX # XXXX is reporting a late to my account that I should not have. My mortgage account was transferred over from XXXX and I was not informed of this, I did not receive any kind of letter or notification about the transfer of my account. I did try to make payments to them however they were declined and they would not accept it. I tried to pay my account on time and this late is not my fault.
Consumer complaint received 2020-03-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NC)

My loan serve company, LoanCare , LLC, ( Street Address:XXXX XXXX XXXX XXXX XXXX , VA XXXX ), failed to pay property tax of 2019 to the local county for my house even though they have my escrow account ( enough amount in the account to pay tax and issurance ). 

Also, they made mistake in the escrow account amount, significantly understate the accumulated amount. 

The local county keeps sending me 2019 property tax bills with penalty and state they may initialize the foreclosure procedure. The bill is due XX/XX/2019 I called LoanCare so many times, asking them to make the tax payment and correct the escrow account amount, but they are very unprofessional, let me wait for more than 30mins for every call and then tell me to just wait. My request is being kicked and played between customer services like a ball. I really do not understand why it is so hard to make the propety tax payment and adjust the escrow amount?
Consumer complaint received 2020-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (TX)

I am XXXX years old and I wanted to check my credit report for the first time but the credit report websites ask me questions about loans and bank cards made in my name that I have no part in and the dates in which they ask for was when I was still a teenager. 
XX/XX/20 experian.com
Consumer complaint received 2020-01-16
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. (MD)

I had a car with XXXX XXXX in 2013. I was incorrectly instructed by the dealership XXXX of XXXX XXXX to let XXXX XXXX  repossess my vehicle because it no longer worked and the dealership would not accept the negative equity on a new car loan. For two years XXXX XXXX  refused to repossess the vehicle. I informed them that i was a student and could not afford the payments. They told me it was my responsibility to do so and that they would not take the car because it was worth less than the loan. The loan has remained on my credit since then. The status on my credit reports say charged off. However they report monthly that my payment is late. This is fraudulent. I have tried to call them and they forward me to collection department. But they will not update there reporting. If the account is not in collections. Why are you trying to collect.
Consumer complaint received 2020-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Clarity Services (CO)

I received a postcard from Clarity Services, XXXX. XXXX XXXX, XXXX, FL XXXX on XX/XX/XXXX regarding negative items potentially being added to my credit report. I sent a letter on XX/XX/XXXX requesting a copy of my personal credit report. I included my full name with generation, complete addresses for the past 2 years, my social security number and date of birth. I was directed to send this information to the following mailing address of Clarity Services, XXXX XXXX. XXXX XXXX, XXXX, FL XXXX. On XX/XX/XXXX, I received an envelope from Clarity Services that did not include my personal credit report as I had requested. 

On XX/XX/XXXX I called Clarity Services at the following telephone number of ( XXXX ) XXXX and informed the customer service representative that I talked to that I did not receive my personal credit report that I had requested. I was then told that I had the option of receiving a copy of my personal credit report via email. I accepted the option of receiving a copy of my personal credit report via my personal email, however after clicking on the link that was sent to me by Clarity Services via email, I once again did not receive a copy of my personal credit report. The only thing that I received was the same general information that I received initialed in the mail. I did not receive a copy of my personal credit report that I had requested. 

This is a direct violation of my rights under the Fair Credit Reporting Act to obtain a copy of my personal credit report when negative information is placed on my credit report. This company, Clarity Services is denying my right to dispute inaccurate information that may be placed on my credit report by refusing to send me a  copy of my personal credit report when requested.
Consumer complaint received 2020-01-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

XX/XX/XXXX This letter addresses the unfair and unethical practices by Bank of America, N.A. 

HELOC opened in XXXX with Bank of America Mortgage Company. 
XXXX Loan matured. Reached out to Bank of America to re-modify the loan. Request was denied. Monthly statements were still received and paid on time until XX/XX/XXXX. 

In XX/XX/XXXX we received a call ( no postal mailings ) for the total payoff of the loan. 
Contact was initiated on our part but were unable to make contact to speak to anyone directly. We thought it was a scam because no more calls or mail was received. 
Regular monthly billing statements were received which we paid on time every month. 

In XX/XX/XXXX the below occurred : XX/XX/XXXX when we received our monthly statement to pay full amount of the loan. 
Contact was again initiated with Bank of America Mortgage Company and no progress was made because I was informed both account holders needed to be available and my husband was not. 
Another attempt was initiated with Bank of America Mortgage Company we were transferred twice to two different departments and then disconnected. 

As per another lending institution for advice and here is what we were told : Our HELOC should have matured after ten years, where in that time we should have been able to borrow against it ( but we did not ). 
After the ten years deadline, we should have been able to refinance/re-modify. 
In XXXX we proceeded with re-modifying the loan with Bank of America Mortgage, but this was denied. 
No paper work was mailed regarding this, but monthly statements continued. 

Based on our experience, Bank of America Mortgage is not a consumer friendly nor consumer helpful institution. Their communication skills and customer services are simply unacceptable. My husband and I would really like to re-modify this loan so that we may start paying into the principal and eventually pay it off. 

Our goal is simply to get this loan settled, so that we will still be able to live in the house that we have tried so hard to maintain for our family. 

Thank you again for your time and consideration.
Consumer complaint received 2020-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (NM)

On Friday XX/XX/XXXX, I spoke with a customer service representative at Navient, the company contracted to service my student loan account, about some suspicious changes to both my student loan account history and personal credit report. 

It appears that Navient reported my loans Paid in Full on or around XX/XX/XXXX and closed the two accounts that were previously included in my credit history. This change caused my credit score to drop 39 points between the two closed accounts. 

When I logged into my Navient account and checked my account history, it appears that Navient has recently updated my account in several key ways : -All capitalized interest is reported as {$0.00} dating back to XX/XX/XXXX. This has not been the case for the past two years and six months. Interest had been accruing on the account. 

-My loans appear to have been retroactively consolidated with the reported date of consolidation as XX/XX/XXXX. I did not request this consolidation. 

-There are several newly reported payments recorded in XXXX that were not made by me. I stopped payments to Navient in XX/XX/XXXX after realizing that my payments and overpayments were not being applied in the way I intended, which was to pay down the principal and not be applied to future payments. 

When speaking with the customer service representative, I asked her Who initiated the consolidation of my loans in XX/XX/XXXX? She told me that I had requested the consolidation of my loans, digitally. I asked her what she meant by digitally. She explained that I submitted a request through my account. I asked if that request should show up in my account inbox under the tab Documents You Sent to Us, and  she told me it should be in that tab. But there are no documents in that tab, because I never requested the consolidation of my loans verbally, digitally, or otherwise in XXXX. I know because in XX/XX/XXXX I learned for the first time that I wasnt alone in the overwhelming Navient scam. I have remained in forbearance since that time because Navient has refused my requests to remedy the misallocation of my previous payments. I did not request a consolidation in XX/XX/XXXX and my account history prior to recent erroneous changes listed previously did not indicate any consolidations. 

The Navient representative I spoke with explained she was sending me a Fraud package for me to complete and upload to my inbox along with a copy of my credit report to initiate a Navient investigation. This package was never sent to either my personal email or my Navient account inbox. My credit is still damaged and has prevented me from purchasing an affordable vehicle which I need in order to become gainfully employed and afford to pay my student loans. 

Navient continues to demonstrate flagrant disregard for its obligations as my student loan servicer and continues to cause irreparable damage to my financial well-being and my consumer credit.
Consumer complaint received 2020-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks
Consumer complaint received 2020-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I have a secured credit card with Capital One that was closed due to the account being restricted. They closed the account in XX/XX/2019 and requested that all 3 credit bureaus remove the 7 years of account history from my credit files. This is a violation of the Fair Credit Reporting Act. 

Although the account has been closed, the history should remain as reporting for up to 7 years.
Consumer complaint received 2018-12-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC (GA)

My wife and I work on XXXX XXXX XXXX in the XXXX XXXX XXXX XXXX world. 
About XXXX XXXX of our XXXX are in Florida and a good majority of them in the Florida XXXX area. In XX/XX/XXXX, Hurricane Michael effected about half of our commission business and houses that were supposed to be closed were damaged, destroyed or delayed due to the hurricane and subsequent flooding. 
reached out to my mortgage lender and auto loan companies for Hurricane Relief. 

All auto loans are now fine, they all granted relief and regular payments resume on XX/XX/XXXX and we are excited that are sales are up and income has been restored. 

We asked over 2-3 months ago for relief with our FHA mortgage payment and call, send documentation, call, send documentation, now they are wanting bank statements from my adult son 's account ( not on the loan ) where he loaned me money via bank transfer, etc ... Although in Hurricane relief they are reporting late to the credit agencies and their collections department keeps calling me simultaneously to the hurricane relief consultant asking for more data which we keep sending. 

They promised that on XX/XX/XXXX, we can catch up by making 1 1/2 payments per month, but could not put the missing payments on the end of the loan ; yet that still has not kicked in as well. They seem to be confusion Hurricane Relief with non willingingness to make payments. 

We are ready to go based on resumption of our business/income to make the 1 1/2 payment on XX/XX/XXXX ; if this is what they need ; although, noone there seems to be processing this. 

Please help them get organized. They have so much documentation. Past year 's tax returns, XXXX  's ( we are XXXX  XXXX XXXX XXXX, etc ) This is not a preforeclosure modification, just asked for Hurricane Relief per federal guidelines. 

Thank you for your help.
Consumer complaint received 2018-12-21
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: Navient Solutions, LLC. (FL)

I have disputed a old student loan that is still showing on my account. It is now over 7 years since it was first reported and should have been taken off my report by now. The original opened date was XX/XX/XXXX. The account was closed XX/XX/XXXX. I have disputed this through XXXX as of XX/XX/XXXX but they advised that it was verified as correct. I am not disputing that the account is not mines but that it is over the 7 year timeframe for it to be on my account. 
Additionally this account has been removed already from my XXXX  Report and XXXX   Report
Consumer complaint received 2023-04-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: AXOS FINANCIAL, INC. (CA)

On XX/XX/2022, I opened a self-directed trading brokerage account with Axos Bank XXXX I signed up with a promotion whereby I would receive {$200.00} if I deposit {$2000.00} within 60 days, maintain that balance for at least 90 days, and conduct two trades of min. {$25.00} each. I deposited the $ XXXX funds in XXXX and held it more than 90 days. I also conducted two trades of at least {$25.00} back in XXXX. I contacted Axos several weeks ago via phone, and they said they would post the {$200.00} within the next few days, but they never did. Please post the {$200.00} bonus immediately.
Consumer complaint received 2020-01-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems (VA)

Company never mailed a right to dispute letter. Collection placed on credit report XX/XX/XXXX. Company called me twice XX/XX/XXXX and XXXX. I did not give them any information to verify me and I told them to mail me a letter I would not give them any Information. They called me if they want to collect they have to mail me a letter. The guy said well we dont have to mail yu a letter. It was placed on my credit report before they sent a letter of right to dispute. No communication occurred between us. I am filing a fdca complaint that my rights were violated as it was placed on my credit before I got a letter and never got my right to dispute legally!! I am buying a new car this week and now this is on my credit illegally.
Consumer complaint received 2020-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (MN)

The original account was with Chase however, it was sold twice so how can Chase continue to update my account with inaccurate information. The account was settled and paid to XXXX XXXX in 3 installments of {$180.00} each. Chase continues to mark me late when I was making payments. The installments were made on XX/XX/XXXX ( I was marked late ), XX/XX/XXXX and XX/XX/XXXX ( Continued to mark me late ). Why is Chase continuing to mark my account to the credit reporting bureaus as late when they no longer own the account. Chase reported my account as a charged off therefore, it should be reported as {$0.00} balance and no data. They continued to report it as late and while the account was paid and settled with XXXX they updated my account as late. This account needs to be deleted for inaccurately reporting my data wrong. Does Chase own my account still or does XXXX XXXX?
Consumer complaint received 2020-01-16
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

XX/XX/XXXX USAA XXXX XXXX XXXX XXXX XXXX XXXX Business expert to review my case Follow Up my complaint to CFPB called and said " Temporary Credits are Permanet and Apply to Accounts " I apologize we disagree 1 ) Why are they called Temporary Credits IF THEY ARE PERMANET? 
2 ) On XX/XX/XXXX Statement Please explain what ( Total Credits ) Represent What Credits are Included in the amount of Total Credits? TRUTH in lending USAA STATEMENT of XX/XX/XXXX says CLEARLY ( TOTAL ) CREDITS APPLIED FOR THIS PERIOD {$910.00} 3 ) Please explain what ( Other ) Credits Represent ( {$2600.00} ) What credits are included in these? 
Am I to Add the ( total ) credit amount that is separated {$910.00} to the ( other credits ) {$2600.00} together FOR a *Real TOTAL of Credits.?? 

And please explain all the New Purchases I did NOT PURCHASE that say.Security of and An Amount Charged. to my Account No Explaination What these are NEW PURCHASES that I DID NOT PURCHASE FOR? There are {$1700.00} I HAVE NO IDEA WHAT THEY ARE FOR ** I KNOW I DID NOT CHARGE THEM
Consumer complaint received 2020-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Innovis (NV)

credit furnisher will not report accurate and complete information. they have continually stated the information they are reporting to the credit bureaus is accurate when in fact more than 20 violations have been identified in this one tradeline. I feel they are intentionally refusing to cooperate with 15 U.S.C. 1681s-2 / FCRA 623.
Consumer complaint received 2020-01-16
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: WAKEFIELD & ASSOCIATES, INC. (SC)

I pulled my credit report and I notice a derogatory collection account on my report from a company named Wakefield & Associates. This company did not have my consent to access my private information. This is an act of Impermissible Purpose to pull my credit report and to have negative un-validated information place on my file. After identifying the company 's contact information I sent them a validation letter accompanied with a cease and desist letter. To this date No valid contract with my signature agreeing to contract with this company has been sent to my address. I do not wish to do any business with this company.