davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (VA)

Dear Sir/Madam, This is to bring to your notice that I closed a home refinance loan with Loan Depot ( Loan ID provided on request ) on XX/XX/2021. It has been more than 10 weeks since then and the DEED has NOT yet been registered with XXXX XXXX, VA This delay in registration of Deed is preventing me to do the following : 1 ) Refinance for a lower term 2 ) Sell the property. 

When I contacted Loan Depot, I was told they dont have a timeline and that the delay is due to covid. 



Multiple requests to settlement company Closing USA - have gone unanswered. No one picks up the phone and no one is returning the emails or the voicemails.

Additionally, Loan Depot owns the settlement company Closing USA.

This delay in registration of deed I feel is an unfair practice, is keeping me hostage by not letting me complete other financial activities and should be regulated either at state or at federal level. 



I would appreciate it if an investigation is opened and additionally if new guidelines are passed which prevents future homeowners from facing a similar issue. 



I am requesting that either Closing XXXX or Loan Depot register the deed with XXXX XXXX, VA as soon as possible without any delay. 



Thanks, Regards,
Consumer complaint received 2017-05-12
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)

Just received results of  a 2nd dis pute with Equifax for the same issue and there is no way Equifax verified the account status. Equifax is still reporting the same inaccurate information. Please see attached documentation.
Consumer complaint received 2021-03-23
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: Convergent Resources, Inc. (FL)

On XX/XX/XXXX I sent a certified letter to Convergent Outsourcing , Inc. stating that they were reporting a negative account on my report. I received a response form them saying they validated the account but they only sent me a bill and did not send me any information that I requested showing that the account is indeed validated which resulted in an improper investigation. 

I sent another certified letter on XX/XX/XXXX asking for proof of this account that this account belongs to me. They never responded with anything that I asked in fact they never responded at all and it has been well over 30 days. 

Please see below copies of letters.
Consumer complaint received 2021-03-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (AZ)

I received a phone call and the caller id said it was my electric company. They stated that I need to make a payment so I sent the money. It didn't feel right so I called the electric company directly and they immediately said it was fraud and to contact the bank. I called the bank and they said that they couldn't help me because it was done thru XXXX and to contact XXXX. I then called XXXX and they advised they couldn't help be because it was thru my bank app and not the XXXX app on my phone. Now I have lost {$490.00} because I was threatened to have my electric turned off and I don't understand why the bank can not help or get the money back.
Consumer complaint received 2021-03-22
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I applied for a Citizen 's bank checkings + savings account in order to take advantage of their {$600.00} promotional offer on XX/XX/XXXX and was approved the same day. 

The promotion was a public offer by clicking on the following hyperlink : https : XXXX *Please note that the page does not exist anymore, but was a public online offer that was accessed by hundreds, if not, thousands of people. 

The offer is as follows : Citizens Bank is offering a bonus of up to {$600.00}. Bonus is broken down as follows : - Get a bonus of {$300.00} when you open a new one deposit checking or Platinum checking account and make a direct deposit of {$500.00} or more within 60 days - Get an additional {$200.00} when you open a new green savings or platinum savings account with a minimum of {$15000.00} not currently on deposit with Citizens Bank and maintain that balance for 3 months - Get an additional {$100.00} when you do both I completed the checkings Direct Deposit of {$500.00} on XX/XX/XXXX. 

I completed the savings deposit of {$15000.00} on XX/XX/XXXX. 

As of Citizens bonus payout time table, I was expected to be paid {$600.00} by XX/XX/XXXX. 

Till this day, XX/XX/XXXX. I have not received the bonus and have been in contact with multiple representatives from the escalation team, to the marketing department who have not been able to locate the promotion. They told me that are not able to do anything. 

I feel cheated out of my money, which was essentially a free loan for the bank. I feel deceived and ripped off from this institution who promised to pay {$600.00} for a person to complete their tasks ( which I did ) and as a user acquisition cost. 

They advertised this promotion and should honor it for those who have completed the terms. My money was tied up with citizens bank for the entire duration and I want to be fairly compensated as they promised for their promotion.
Consumer complaint received 2021-03-23
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I filed my initial complaint with bank of America mailed in multiple times my proof of transactions which they stated " they didn't receive '' which I have proof of tracking number and signature. My point of contact was XXXX XXXX whom was nice but very inconsistent when it came to responding. I faxed mailed and emailed the transactions as well as the payment ids dates and amounts from XXXX website and they have had over 3 months now to pay me the money owed to which is over XXXX which fraudulent fraudulently stolen from an account they said " has since been lost and closed for some reason and they lost access to the accounts records '' which is complete and under XXXX XXXX if you ask me how can a financial institution do that without my consent or a request by me? They did it so they wouldn't have to pay me what was stolen from me. I am now filing a follow up complaint for them taking wayyyyy to long as far as I'm concerned with handling this matter. They are obviously lying about not being able to find the old accounts records especially when I gave them exact dates for each payment and the payment ids provided by XXXX. They are not concerned with paying me back which I plan to file a lawsuit if not handled within the next 30 days against their institution including damages for the added stress and financial stress this has caused me including possibly having to cancel me relocating my place of living soon because of this issue not being resolved as it should have been months ago. They are not following their own rules and regulations for handling of this matter.
Consumer complaint received 2021-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2023-06-14
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Capital One Bank USA N.A., Account number XXXX ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666 B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2021-03-22
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: LEXISNEXIS (MO)

XXXX  Senior Personal Lines Underwriter XXXX XXXX notified me XX/XX/XXXX that Lexis Nexis provided XXXX  an insurance score at some point in the spring of XXXX on which basis my home insurance premium was raised according to my agent by over 10 % starting in XX/XX/XXXX. However, the information disclosed in the XXXX  notice indicates false information is being propagated by Lexis Nexis since no negative activity occurred that could have been reported during this period, and yet no ability to receive any information from Lexis Nexis has been demonstrated to date. After filing a CFPB complaint, Lexis Nexis sent on XX/XX/XXXX at XXXX XXXX their first ever contact attempt. They were responded to on their electronic messaging system at XX/XX/XXXX the same day at XXXX XXXX. Lexis Nexis rep. XXXX confirmed my identifiers had been received as requested on XX/XX/XXXX at XXXX XXXX on their same messaging system. Exactly 2 weeks later they sent a letter dated XX/XX/XXXX to the CFPB stating I had failed to respond at all to request for additional identification and that my complaint was considered closed on their end. Otherwise and continuing through today, they have still sent no response to multiple website form submittals, three letters written requesting my credit report or insurance score information mailed in large print to their address given by XXXX, or the nearly 20 phone calls starting with first contact XX/XX/XXXX. I have no ability to " correct '' Lexis Nexis ' false information without having the opportunity to see what information on me they are selling without my permission and without being able to get a copy of my credit report after 8 months of trying to do so. Here are the dates on which we contacted Lexis Nexis by phone at the number provided by XXXX  XX/XX/XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Here are the dates on which the letters were mailed to Lexis Nexis at the address provided by XXXX  XX/XX/XXXX requesting credit report and insurance score in accordance with CFPB guidance : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX  has been requested 4 times to provide alternative contact information for Lexis Nexis to receive the credit report or any of the adverse information used to increase my premium. Since Lexis Nexis repeatedly hangs up on XXXX XXXX XXXX every contact attempt by phone, do not respond at all to mail inquiries and fail to even respond to further follow-up using the electronic messaging system provided after the CFPB complaint failed to achieve any result other than to catch them in an abject lie about my failure to respond to their request.
Consumer complaint received 2021-03-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (MS)

I noticed that Wakefield and Associates is falsely reporting to XXXX major credit bureaus. I never conducted business with this company nor have I signed any agreement giving this company permission to collect this alleged debt. I sent Wakefield and Associates a debt verification letter on XX/XX/2021 and the company has refused to respond BUT they are still verifying the debt with the credit bureaus. I reported this company to the TN Department of Commerce and Insurance. If this alleged debt is not removed within XXXX  days I will move forward with a lawsuit in small claims court.
Consumer complaint received 2021-03-22
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: American Cycle Finance, Inc. (TX)

I XXXX XXXX entered into a consumer credit transaction with American Cycle Finance Inc on XX/XX/2018. A consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 usc 1605 a finance charge is the sum of all charges in a consumer credit transaction. Because I know that the finance charge is the sum of all charges I was not expecting a bill which is a violation of 15 USC 1692b or for funds to withdrawn from my bank account and they also added a extra {$50.00} for insurance which is supposed to be added in the finance charge Pursuant to 15 usc 1605b which is also a violation Please read attachment and you will see where American Cycle Finance Inc edited my requested information to creditor instead of debt collector in which I ask for and you will all see where they lied about not being a debt collector or receiving any money from the illegal collected pay.which put American Cycle Finance Inc in default and they didn't respond to my Affidavit the proper way. They never gave me an right to rescission form which is all a violation
Consumer complaint received 2021-03-22
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. (TN)

I recently filed a dispute with the credit bureaus regarding inaccurate information reporting on my credit report. I disputed a public record that contain inaccurate information. I received letters that the information was verified and to contact XXXX XXXX XXXX. 
after a thorough investigation, the public record has been removed and deleted from my XXXX profile. XXXX initiated a dispute on my behalf and have not gotten a response back from the credit bureaus. 


chapter XXXX bankruptcy- XXXX
Consumer complaint received 2021-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I dont know where to start with this complaint and Im hoping you can help me. I have filed disputes with credit bureaus and I still havent got any response from them. What do I have to do to get an response from them? I thought they had 30 days to reply to my disputes and it has been over 30 days.
Consumer complaint received 2021-03-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (KS)

I asked Rushmore Loan Management if they offered any payment deferral for Covid on XX/XX/2020. They said yes I could defer up to four payments that would add to the end of my loan PLUS a {$150.00} fee. Now they have asked for payments of 4 payments when I only deferred 3 additional they want a new loan plus thousands in fees. This is fraudulent and I have attempted to resolve this without success. They have sent multiple conflicting requests NONE of which in what was originally agreed by their agent. I am XXXX years old and I feel they are attempting to take advantage of me
Consumer complaint received 2021-03-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (MI)

On XX/XX/2021 multiple fraudulent purchases were made with my debit card. I realized this when I received an email from Chase bank and I immediately cancelled my debit card. The next day I called Chase 's fraud department and walked through my transactions from the previous few days. I learned that aside from the fraudulent purchases that were already made, many more had been attempted before I cancelled my card. 

The successful fraudulent purchases made are as follows XX/XX/2021 - XXXX - {$5.00} XX/XX/2021 - XXXX - {$10.00} XX/XX/2021 - XXXX XXXX {$25.00} XX/XX/2021 - XXXX - {$50.00} XX/XX/2021 - XXXX - {$100.00} 5 fraudulent charges all to XXXX totaling {$190.00} Chase gave me a temporary credit of {$190.00}. About a week later I learned that I had lost the fraud claim with no explanation from Chase.
Consumer complaint received 2021-03-22
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. (WA)

A balance is reporting on my XXXX by XXXX account in error which is substantially dropping my credit scores and is inhibiting me from getting a home loan. I have tried to resolve this issue directly with XXXX by XXXX and they have failed to correct it.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX account The late payment being reported are in violation of 15 U.S. Code 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

15 U.S. Code 1666b - Timing of payments The timing of required information is from this company is not received within 21 days. 
Per XXXX credit bureau By definition an open end consumer credit plan is XX/XX/2022 Open-end credit is revolving credit that allows you to continually access money as you make payments and only pay interest on what you use.
Consumer complaint received 2017-09-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (IL)

I have disputed this account numerous times with the credit bureaus as the debt is not mine. XXXX XXXX XXXX is unable to validate the debt for that reason. The collection agency then removed the debt. XXXX XXXX XXXX then gives the debt to another collection agency to collect and it appears on my credit reports AGAIN without notice to me that this is happening. This has been a cycle, and I am needing to pursue a formal complaint so that the debt can be deleted permanently.
Consumer complaint received 2021-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

The account should have been closed due to the company having the property. Going through my credit report I noticed that my balance is {$18000.00}, but my starting amount was {$3000.00}. The company has continued to draw interest which is against the law. Also Experian has that I have all late payments but XXXX has that I have on time payments. Which means both credit companies are supposed to be accurate.
Consumer complaint received 2021-03-22
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/XXXX Capital One charged a yearly membership fee of {$59.00}. 
Though I have alerts set on this credit card account there were no emails, text messages, or letters sent to me alerting me of the charge. **NOTE : this credit card is NOT used on a regular basis either. 
The only letters I receive from them is alerting me of the interest rates to consolidate any outstanding loans with them. 
On XX/XX/XXXX, a past due fee of {$25.00} was charged to my account. Again, no alert of any kind was sent to me regarding the charge OR any past due amount. 
On XX/XX/XXXX another past due fee of {$40.00} was charged to my account, Again, no alert of any kind was sent to me regarding the charge OR any past due amount. 
On XX/XX/XXXX I received an email from Capital One stating they had reported the past due amount and negative notation to the credit reporting agencies. 
On the same date, I received several emails from several different credit cards that I have alerts set on regarding the negative activity. THIS is the ONLY communication I received regarding the past due charges. 
I immediately called customer service who apologized profusely about the situation and immediately credited back the {$40.00} late fee charged on XX/XX/XXXX. I also paid the balance due of {$120.00}. 
The representative directed me to write a letter explaining the situation and request that the negative notation is removed from my credit reporting and stated that there would be no problem in doing so. He gave me the address to send the letter to along with all of the information required. 
This letter was mailed on XX/XX/XXXX. 
On XX/XX/XXXX I received a letter of communication from Capital One stating that they were unable to remove the negative reporting. 
I am meticulous about my credit history and have a pristine record except for this situation and request that it be removed from all credit bureaus. 
We plan to submit for a home refinance in XX/XX/XXXX and this false 30-day late reporting will impact it significantly.

This has affected my credit score exponentially from excellent to only good and below XXXX.