davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-10
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: NEW YORK COMMUNITY BANCORP INC (KS)

We recently worked with Flagstar to sell our home through an assumable loan. Our loan # was XXXX. On XX/XX/XXXX, {$1400.00} was withdrawn from our Escrow account in Flagstar towards " Insurance '' ( Homeowner 's insurance ). When our home, located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX closed on XX/XX/XXXX, we contacted our Homeowner 's Insurance Company, XXXX, to let them know of the sale, cancel our policy, and request a refund. Our refund amount seemed small ( {$270.00} ), so I asked about the {$1400.00} payment, and XXXX confirmed they never received that payment. They also confirmed our insurance would have renewed in XXXX, not XXXX. 

Upon investigation, we found out Flagstar misappropriated our funds in our Escrow Account and withdrew {$1400.00} from our funds to pay for the Buyer 's Homeowner 's Insurance. This is not a contractual obligation we agreed to and solely a mistake of Flagstar as we are not responsible for the Buyer 's Homeowner 's Insurance. This was done without our permission or knowledge as Flagstar paid someone else using our money without our permission. 

Escrow had been told that the premium had been paid outside of escrow. '' The insurance company sent the copy of the policy to Flagstar in anticipation of closing ( which they are required to do ), but Flagstar took it upon themselves to pay the premium BEFORE we closed escrow. Flagstar took the funds from our impound/escrow account in XXXX to pay the Buyer 's premium one month before we even closed. This is why escrow was told it was paid outside of escrow. '' The {$1400.00} was paid to a policy held by XXXX XXXX ( the Buyer ) at XXXX XXXX. The policy number is XXXX and the check number for the payment is XXXX. As you can see, this is not towards our ( the XXXX 's ) homeowner 's insurance as our insurance was held under XXXX and XXXX XXXX, at XXXX, with a policy number of XXXX. 

I contacted Flagstar on XX/XX/XXXX about this, but Flagstar has refused to give me any additional information on the loan since we no longer own our home anymore. I was asking about payments made when the loan was in OUR name, so they are withholding information. Flagstar misused our funds to pay for someone else 's insurance, without our knowledge or permission. We expect Flagstar to make this right, and reimburse us our {$1400.00} that they misappropriated and used for someone else.
Consumer complaint received 2024-04-24
Product: Credit reporting 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)

Good evening, I have called Transunion and told them that the following inquiries are being reported inaccurately. 

I have never requested for these business ' to run my credit and I believe they are a result of Identity Theft. 

I have asked them to do an investigation, I have requested this over the phone and have even sent a letter certified mail ( which they do not respond to ) Please have them remove these inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you. Please have them remove them. Thank you.
Consumer complaint received 2023-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (IN)

We already complained that AMEX had put us on the pay-over-time option on the card against our will. They have been charging interest on the pay-over-time portion of the monthly charges even though we pay in full each time. We had to go online and opt out of the pay-over-time feature, which was done in XXXX. I just received my XXXX bill and they are charging {$1.00} in interest for the pay-over-time option which I have opted OUT of. Their answer for the last complaint was that since I opted out, nothing further was needed. Which is not okay b/c they have taken money from me for this pay over time option which I do not use. Now, my statement shows a {$5000.00} pay-over-time limit, which should not be there since I have opted out and they are charging interest of {$1.00} for nothing! They should be prosecuted.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (VA)

I keep telling Experian that their Boost product didn't get all the accounts listed that I have at XXXX XXXX. First they listed only three, then four, when I have told them repeatedly that I have seven. They're missing over {$60000.00} in the accounts they're not listing.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-01-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (MD)

They have continued to report open loans, that they are no longer the legal servicer of same. I have no student loans they have been paid in full and the Proper servicer of those loans has reported same properly.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Inflection.com, Inc. (WV)

Discrepancy on my background check County Case # XXXX Offense # XXXX Disposition : Guilty It should be Kennedy Plea which is a not guilty plea. 
Source of jurisdiction XXXX, WVXXXX XXXX XXXX XXXX # XXXX XXXX Case # XXXX Offense # 1 Disposition : Pending It should have been dropped because of plea agreement. 
Source of jurisdiction : XXXX, WV- XXXX XXXX XXXX # XXXX
Consumer complaint received 2023-01-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

Me and my husband deposit a cash at the ATM citizen bank on XX/XX/XXXX at XXXX after the bank was closed. We put amount of XXXX $ cash at first but the ATM machine pull out money of XXXX $ back to us. We thought because we put too much money at XXXX transaction. The ATM machine take so long to run through our XXXX $ deposit but then decided to give us the card back with no receipt. There are a camera at the ATM so we dont worried much. We check our bank and the transaction was not went through. We called the bank immediately and they said it would take XXXX days for them to process with our claim. After day went by we called to check up with them again on XX/XX/XXXX and they said that the claim went through and will be post at our account the next day. The next day came and we saw that the money was there and everything is settled. 

Until today XX/XX/XXXX we received a paper from the bank said that they investigated and there is no error occur at the ATM so the amount of XXXX $ will be reversed back.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I never missed a payment on this account. I contacted this company in XXXX and to them the vehicle was stolen. They did inform that payment had to made on account as it was. I made a payment after cut off the representative said to dispute the matter because the account was not documented that insurance was working on the matter for payment. Upon that call I made a payment and scheduled a payment for the XXXXXXXX XXXX XXXXXXXX. I was contacted on the XXXX the payment wasnt received. Upon checking it showed the payment was taken out of my account. I called back on the XXXXXXXX XXXX XXXXXXXX and was informed by XXXX representatives that it wasnt reflected but to contact my insurance because the car would go into repossession. Again I informed the vehicle was stolen and reported. The vehicle was a total loss. I got a payment offer that day for the leasing office as I wanted to lease another vehicle with the company. I submitted proof of payments to the accounts department and still to no avail but they marked my account delinquent enough tho I have a payment receipt and a payment offer made that day to pay off the vehicle. They also informed they would not be refunding my payments made not the remaining balance that will be left after pay-off is made. They have not only ruined my credit but loss me as a customer due to the poor manner and which they handled this matter.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SANTANDER HOLDINGS USA, INC. (IL)

I report abuse of trust by a former co-worker in the process of processing the AUTO loan and where they took advantage of my good will and conducted a whole process of strong consultations with different banks and financial companies, through deception, manipulation and tricks. unscrupulous The car process is requested by XXXX XXXX ( XXXX XXXXXXXX XXXX Utility - Please see attached data / Digital backup ). XXXX XXXX asked me to help accompany her to her office ( XXXX XXXX ) on XX/XX/XXXX, because she was being offered a car and she wanted to know the amount of the monthly payment and financial responsibilities. - First. They checked her credit and her credentials. ( SSN ) And the salesperson who helped her at that time told her that her credit score is incredibly low and that she needed to present a guarantee and contribute a higher premium to the XXXX. Given that the monthly fee would be approximately XXXX XXXXXXXX to XXXX. 

Having this information, XXXX XXXX suggested to the seller that she try my personal credentials ( SSN ) to see the numbers and take advantage of my credit history and see if the monthly payment could be lowered. 

So, $ XXXX was a very heavy amount for her finances. She was looking for an average fee of approximately XXXX  XXXX. 

I acted in good faith and with the healthy intention that we would try the alternatives and that she would make the best financial decision for her budget. She and the sales associate assured me that only XXXX inquiry would be made to the credit bureau and that it would be smooth. And it would not affect my score in the slightest. situation, which is NOT true at all. 

At no time do I request and/or provide my authorization for multiple inquiries to be made for credit validation and I NEVER request to be the main debtor and/or co-debtor in this credit process. 

Here, the deceived, used and useful fool has been my person. And I was almost scammed, due to this bad practice and abuse of trust from my former co-worker.
Consumer complaint received 2024-03-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: JPMORGAN CHASE & CO. (DC)

I made specific requests of CHASE for information about my mortgage account, and specifically deferred payment amounts and dates. I have not received the requested information. I also requested further deferment of payments due to a financial hardship and have been denied. I have included for your review the most recent letters written to CHASE specifying my requests, as well as a chronology of my communications with CHASE.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (IL)

I report abuse of trust by a former co-worker in the process of processing the AUTO loan and where they took advantage of my good will and conducted a whole process of strong consultations with different banks and financial companies, through deception, manipulation and tricks. unscrupulous The car process is requested by XXXX XXXX ( XXXX XXXXXXXX XXXX Utility - Please see attached data / Digital backup ). XXXX XXXX asked me to help accompany her to her office ( XXXX XXXX ) on XX/XX/XXXX, because she was being offered a car and she wanted to know the amount of the monthly payment and financial responsibilities. - First. They checked her credit and her credentials. ( SSN ) And the salesperson who helped her at that time told her that her credit score is incredibly low and that she needed to present a guarantee and contribute a higher premium to the AUTO. Given that the monthly fee would be approximately XXXX XXXX to XXXX. 

Having this information, XXXX XXXX suggested to the seller that she try my personal credentials ( XXXX ) to see the numbers and take advantage of my credit history and see if the monthly payment could be lowered. 

So, $ XXXX was a very heavy amount for her finances. She was looking for an average fee of approximately USD XXXX. 

I acted in good faith and with the healthy intention that we would try the alternatives and that she would make the best financial decision for her budget. She and the sales associate assured me that only XXXX inquiry would be made to the credit bureau and that it would be smooth. And it would not affect my score in the slightest. situation, which is NOT true at all. 

At no time do I request and/or provide my authorization for multiple inquiries to be made for credit validation and I NEVER request to be the main debtor and/or co-debtor in this credit process. 

Here, the deceived, used and useful fool has been my person. And I was almost scammed, due to this bad practice and abuse of trust from my former co-worker.
Consumer complaint received 2023-09-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Synerprise Consulting Services, Inc. (AZ)

I came across a collection account on my credit report. When I contacted the collection company they told me it was an anesthesia bill for a XXXX I had the previous year. I told them I was unaware I owed anything but I would contact the original creditor. When I asked why they didn't give me time to dispute and why I was unaware of the bill they said they were mailing letters to my old address. I haven't lived there for about 5 years and the collection company never called or even checked the credit bureau for an updated address before placing the account in the credit bureaus. Had they called I would have taken care of it before sending it to the credit bureau. I called the original creditor and immediately made the payment. I sent the collection agency proof of payment and they were mad because I didn't pay them. They are now saying it's going to take 30-45 days to clean up my credit. This is very unfair as I didn't know I even had this debt. I want it removed immediately and not as a paid collection but removed as it if never happened. This lowered my score XXXX points and I have excellent credit.
Consumer complaint received 2023-04-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MD)

Rushmore Loan Management Service is aggressively attempting to foreclose on my home. I was diagnosed with XXXX XXXX XXXX XXXX on XX/XX/XXXX. I informed Rushmore Loan Management Service of my medical issues and that my income would be reduced because of treatment and hospital stays necessary to keep me healthy until I can find a XXXX  XXXX. Rushmore Loan Management Service has not provided me with any assistance, in fact, they have been relentless in moving forward with foreclosing on my home. My health has continued to decline because of the stress of the foreclosure. In order to relieve the pressure of this I decided to sell my home. I received a ratified purchase contract and because of this, Rushmore Loan Management Service suspended the foreclosure sale scheduled for XX/XX/XXXX. The sale of my home was scheduled to take place on XX/XX/XXXX. Rushmore Loan Management Service upon canceling the XX/XX/XXXX sale immediately placed another sale date on record for XX/XX/XXXX. Once again, providing stress and pressure to an already heartbreaking situation. The purchase contract allowed for a 15-day extension, which the purchaser exercised. Rushmore Loan Management Service was made aware of the 15-day extension which was provided in the initial agreement; however, Rushmore Loan Management Service has denied removal or postponing the XX/XX/XXXX, sale date. They continue to use pressure and underhanded tactics to foreclose on my home. Their actions are borderline criminal or certainly could fall under the Dual-Tracking law. I also sent a Qualified Written Response in regard to my loan with Rushmore Loan Management Service. Please help me.
Consumer complaint received 2024-03-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

My name is XXXX XXXX. I am writing in regards to my previous property at XXXX XXXX XXXX XXXX XXXX AZ XXXX. My property was being foreclosed on in XXXX. I was not offered a loan modification or any help when the housing market crashed. I was told I would be receiving {$3000.00} this did not occur. My question is why did they not pay these monies owed? I will attach documentation. Thank you.
Consumer complaint received 2024-03-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION (CA)

On XX/XX/2024 {$3700.00} check was sent to Regional Acceptance Corporation/Truist Bank from XXXX XXXX XXXX on my behalf and was not applied the way that I requested to be : six monthly payments of {$620.00}. The loan is currently in default and negatively impacting my credit.
Consumer complaint received 2023-04-27
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: GOLDMAN SACHS BANK USA (TX)

Received a sudden email notice of forced closure on XX/XX/XXXX at XXXX. I called customer service same day and was told to call back as he was unable to assist with account restriction/closure. Called back and spoke with an agent twice on XX/XX/XXXX. Agent stated she will open up a case to see if the funds could be returned and account reopen. Agent states that she is unable to provide any information regarding closure or even any written confirmation that a case is being open up to reopen the account. The account holds my emergency funds which should have no suspicious activity as I have not attempted to transfer any funds. It is concerning that I was told the fund no longer belongs to me as the account is forced closed and no one I contacted has been able to guaranteed a return of my funds or even provide a written confirmation about the issue.
Consumer complaint received 2018-02-26
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. (IL)

For years I have disputed the existence of the inaccurate account on my credit file listed by XXXX   XXXX. I am the victim of identity theft. I have corresponded with this company numerous times with no positive recourse.

I NEVER had an account XXXX XXXX.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I never missed a payment on this account. I contacted this company in XXXX and to them the vehicle was stolen. They did inform that payment had to made on account as it was. I made a payment after cut off the representative said to dispute the matter because the account was not documented that insurance was working on the matter for payment. Upon that call I made a payment and scheduled a payment for the XXXX of XXXX. I was contacted on the XXXX the payment wasnt received. Upon checking it showed the payment was taken out of my account. I called back on the XXXX of XXXX and was informed by two representatives that it wasnt reflected but to contact my insurance because the car would go into repossession. Again I informed the vehicle was stolen and reported. The vehicle was a total loss. I got a payment offer that day for the leasing office as I wanted to lease another vehicle with the company. I submitted proof of payments to the accounts department and still to no avail but they marked my account delinquent enough tho I have a payment receipt and a payment offer made that day to pay off the vehicle. They also informed they would not be refunding my payments made not the remaining balance that will be left after pay-off is made. They have not only ruined my credit but loss me as a customer due to the poor manner and which they handled this matter.