davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (VA)

In support of my dispute for an old student loan, I sent Experian the document they requested that showed all 15 of my current student loans in " Paid As Agreed '' status. Again, this was a document THEY requested. I sent in through the documents upload website, listing my dispute number as a reference for the document. 

Experian then proceeded to open 15 new disputes in my name, one for each of the loans. I called back frantically and canceled them, saying they made a mistake. The agent canceled them. 

I got 15 new emails an hour later saying XXXX had opened 15 new disputes in my name for the same loans, because of Experian 's mistake. I was unable to cancel the disputes with XXXX, they told me they had to let them play out - which they quickly did, within 24 hours. 

The very next day, I received dispute numbers from Experian for 15 ADDITIONAL DISPUTES for these loans. I called back again to cancel, and was left on hold for 1 hour and 19 minutes and disconnected, with no further word. I have proof of this. 

I called back the next day and cancelled the disputes with someone else, who blamed me for opening them and tried to make me feel like I did something wrong. She was able to cancel all but four disputes. During this call, guess what happened? I got 15 new dispute numbers from XXXX  - AGAIN - who opened them because Experian did, again. So now I've got both credit bureaus running around thinking I've lost my mind with all these disputes. 

You'll never guess what happened next, after I hung up with the Experian agent. Within the hour, those 11 disputes were opened back up AGAIN. I absolutely refused to call back and deal with this. XXXX in the meantime, put " re-disputing '' comments on my accounts on the report and caused my score to drop 20 points. I have given up trying to fix this, and spent two days sick from the stress of dealing with Experian. 

Experian has wasted almost 8+ hours of time with this false activity, which they admitted was a mistake and would take up with their agent. However, I still have open disputes with both Experian and XXXX, and my loan servicer thinks I'm insane. Thanks, Experian!
Consumer complaint received 2021-06-18
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. ()

I am in the process of conducting research into the assignment of my current mortgage. In order to do so, I have received documentation from my originator that led me to Pacific Union Financial, which was bought by XXXX XXXX. I have called Mr. Cooper Customer service in an attempt to receive documentation of the mortgage 's sale to Pacific Union Financial, and any sale thereafter to XXXX XXXX. I was told that the research department did not have a direct phone line, however I should fax my request for information. The attached fax is what I had sent on approximately XXXX XXXX. 

I have yet to receive any contact from the research department. As this research concerns a potential foreclosure of my current mortgage, and as Pacific Union was once acting as my mortgages investor, these records are of vital importance to me, and have the potential to cause me financial hardship if not obtained. 

I feel it is Mr. Coopers duty as a financial institution to provide records, or at least communication to its clients, and the clients of its acquisitions in a timely manner.
Consumer complaint received 2021-06-18
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: PARKSIDE LENDING, LLC (NY)

This just proves your lack of proper record keeping. Now, this item is reporting to be 30 days past due, yet it is closed and the balance is XXXX. Lets correct this or otherwise remove immediately.
Consumer complaint received 2021-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (CT)

On XX/XX/2021 I applied for and was approved for a balance transfer offer through Citicards. I requested to transfer the entire amount of my current XXXX XXXX card balance in the amount of {$1200.00}. I received the card in the mail and set up my online account, and saw the correct balance reflected on my card on XX/XX/2021. 

However, I also checked my XXXX XXXX card and noticed that the balance was not paid off. I spoke with XXXX XXXX and was told that they had not yet received the payment from Citi. According to them, the account number that was provided for the XXXX XXXX account was not mine. I do not know how this could be, as I only hold 1 XXXX XXXX credit card. 

I spoke with customer service representatives from Citi multiple times over the last month, and this issue has still not been resolved. The first person that I spoke with told me that an investigation would take 14 days. When I spoke with Citi on Monday, the representative told me that it could take a maximum of 90 days. In the meantime, I am currently expected to pay both XXXX XXXX and my current Citi card ( including the balance transfer fee ) which both hold the same funds from my transfer. 

I would like this issue escalated so that there can be a resolution.
Consumer complaint received 2021-06-17
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. (NC)

I have sent investigation and dispute letters on the following dates : XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 Not only have they not performed any investigation into these items like I requested, but they have not sent me any investigation results by mail. This is a DIRECT VIOLATION OF MY RIGHTS! I have tried to be nice, and respectful, but the bureaus have ignored my requests to investigate these accounts that are reporting incorrect information on my credit reports. The following items should be removed from reporting to my file immediately because they have not investigated them in the time allowed by the FCRA laws.
Consumer complaint received 2021-06-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NV)

I was working on a refinance since XXXX with Wells Fargo. After several documents sent that were requested from the lender my loan was denied due to insufficient income verification six months later. 3 years tax returns and several XXXX XXXX XXXX statements were sent with 6 months of bank statements and they still couldn't figure out the income due to me being self employed. I applied with another lender quicken 3 weeks ago and we have already closed. It seems there are several issues Wells Fargo Mortgage.
Consumer complaint received 2021-06-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Deinde Online Services, LLC (OH)

I wasn't sure what to select for my specific issue, so I hope this complaint will still be received. I took out a loan through IntegraCredit and when I noticed that my payments weren't bringing down my balance, and in fact, my balance went up a couple of times, I emailed them and asked them how this happens? I never got a clear answer, just something along the lines of, they frequently adjust the payoff balance according to financing or something. 

I also found out that I do not live in one of the states listed on their website as able to provide loans to. I live in Ohio and Ohio isn't one of the states they provide services to. When I asked them how it is that they approved and gave me a loan, I got no response, they completely ignored that part of my email.
Consumer complaint received 2021-06-18
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: Sequium Asset Solutions, LLC (TN)

After reviewing my most recent report, I discovered some items for which I had never applied or received any correspondence. A bill sent without a signature does not suggest that the debt is legal, and anyone can claim ownership of a bill. Be warned that this is an effort to violate FDCPA 1692, which is a federal statute.
Consumer complaint received 2021-06-17
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: EQUIFAX, INC. (VA)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-06-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

XXXX, Equifax and XXXX are reporting 9 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3rd dispute letters to Equifax, XXXX and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2021-06-17
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: CITIBANK, N.A. (MO)

Charge Date : XX/XX/2021 Amounts : {$2500.00} Actions : On XX/XX/2021 I was charged for {$2500.00} again for a purchase that I made on XX/XX/202. This purchase was returned, processed, and refunded by XXXX on XX/XX/XXXX according to XXXX return confirmation and my credit card statement for XX/XX/2021 as attached. I am writing this complaint because 2 weeks after my refund was posted on my credit card statement, I was charged again for the same exact amount of {$250000.00} on XX/XX/2021. I reached out to my credit card bank immediately and submit a dispute. Unfortunately, earlier this week I was told that I am responsible for this 2nd charge by the merchant XXXX and they were unable to help me. I have reached out to XXXX multiple times regarding this 2nd charge for the same exact amount and they have no idea why that happens. 

Below are my attachments for XXXX and XXXX of 2021 respectively credit card statements which are highlighted for the following : 1 ) A purchase of {$2500.00} was made on XX/XX/2021 per XXXX statement 2 ) A refund in the amount of {$2500.00} was posted on XX/XX/XXXX per XXXX Statement 3 ) A second charge for the exact same amount of {$2500.00} was charged and posted on XX/XX/XXXX per XXXX Statement. 
4 ) Email refund confirmation from XXXX on XX/XX/XXXX that {$2500.00} was received, processed, and refunded to consolidate with the XXXX statement.
Consumer complaint received 2023-07-29
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. (GA)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. 3 Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXXBalanceOwed : {$150.00} ; XXXX XXXX Balance Owed : {$9700.00}.
Consumer complaint received 2023-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Incorrect information appearing on the credit report. 

I have asked and sent in many supporting documents in regard to information that is reported on my credit report. 

Please verify with supporting documents or remove the following information Please removing the following accounts : XXXX. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX Hard Inquiries XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  / XXXX XX/XX/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
Consumer complaint received 2021-06-18
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. (MI)

This company is purposely reporting an account wrong in an attempt to hurt my credit. They are adding fees way after the fact, and lying about the date of last activity so that they can keep this account on my report longer than the statue of limitations. 

I sent a validation request to this company on XX/XX/2021. They responded that my balance is {$3900.00}. They are now reporting on my credit report {$3900.00}. they did not include all information requested in my letter. 

They are adding hidden fees along with blatantly lying to the credit bureaus.
Consumer complaint received 2021-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

This company is purposely reporting an account wrong in an attempt to hurt my credit. They are adding fees way after the fact, and lying about the date of last activity so that they can keep this account on my report longer than the statue of limitations. 

I sent a validation request to this company on XX/XX/2021. They responded that my balance is {$3900.00}. They are now reporting on my credit report {$3900.00}. they did not include all information requested in my letter. 

They are adding hidden fees along with blatantly lying to the credit bureaus.
Consumer complaint received 2021-06-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (OH)

Below is my previous complaint that was closed. Due to a life saving XXXX i was unable to follow up in the time allotted. Pennymac lied and never disclosed the information they claimed in their response. If they did it would be on the recorded call that someone was supposed to follow up with me and never did. They chose to give me a higher rate without exploring my options for a better rate and its unacceptable. My credit clearly would have allotted me a better rate but they chose to discriminate against me instead. 

Previous complaint : This company has discriminated against me and overcharged me in a pandemic. In the scurry to get my finances in order, due to this pandemic, I took the advice of attempting to refinance to get a lower interest rate. The company lowered my interest rate but charged me excessive fees that made it not even worth it to refinance. I attempted to speak with my loan officer who told me I would be saving a lot of money and explained it away. I was also told to hurry along as I wouldn't be able to take advantage of a lowered interest rate for long. My nerves and the desire to keep my family intact with a roof over our heads and somewhere to retreat from this virus believed him. I now know and understand that this treatment was discriminatory and downright despicable. They paid off their own loan for refinance at XXXX and started my new loan at XXXX. It wasn't until i completed a refinance with a different company that I realize this picture was all wrong. I attempted to speak with the loan officer XXXX XXXX who refused to return my calls starting XX/XX/2020. After I was pushed through I attempted to contact the company and speak with someone. All attempts to contact them I've been hung up on or transferred and disconnected.
Consumer complaint received 2021-06-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (FL)

I contacted my bank chase to inquire as to when I was going to be receiving my replacement card. Being that my current card expiration day is XX/XX/21. The bank went and closed my card without my consent no one called me my card was just closed. I called them and they told me they could reopen the card and it will be a 5 days turn around time to receive a new card. On top of that all my bills are attached to that card I already had a payment denied because the card is closed. They where extremely rude they close my card without any notification then I had to pay to have a new card rush to me turn around time 3 days. Because need to be careful with banking with CHASE Bank. 

Thank you XXXX XXXX
Consumer complaint received 2021-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (NY)

All in a sudden, American Express closed all my accounts on XX/XX/2021, without any clear explanation. Meanwhile, they took away more than XXXX my memership rewards, which I earned by spending hundreds of thousands money using my cards. In addition, American Express filed 1099misc to IRS reporting some rewards I got through referral as income and I even paid tax for them. 
I contacted American Express several times. It was never resolved or explained. Every time, the customer service promised they would send a letter with reasons or someone would contact me. But it never happened. I did not receive any proactive response from American Express. 
I have been using American Express 's cards for more than 3 years and I value my relationship with American Express. By submitting this complaint, I want my voice to be heard by someone who can make the call in American Express company.
Consumer complaint received 2018-03-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (GA)

Medical Data Systems has been reporting a collection that they allegedly opened on XX/XX/16 for Wellstar for {$150.00}, but XXXX   does not have any record of a visit or a debt owed. The false reporting to all 3 credit bureaus has had a very negative affect on my credit rating, and I would like it removed. XXXX has confirmed that they have no record of this debt, and that Medical Data Systems is reporting falsified information to the credit bureaus.

My Guarantor ID with XXXX   is XXXX.
Consumer complaint received 2021-06-17
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: National Credit Systems,Inc. (IL)

NATIONAL CREDIT SYSTEMS add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold to a third party collection agency Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA and HIPPA NATIONAL CREDIT SYSTEMS has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2021-06-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TX)

Prior to my loan being sold from XXXX mortgage to NewRez mortgage, I agreed with XXXX to take the loan out of escrow. Somehow the fact that my loan was not escrowed was not communicated or acknowledged by NewRez. As a result, at year-end 2020, I paid my property taxes and then NewRez came behind me and paid again. They then reflected a negative escrow balance and indicated that I owed them for the property taxes they paid. After 6 months we are still working with the municipalities to try to get NewRez refunded. This latent escrow issue has hindered my ability to refinance in the current favorable interest rate environment causing me personal financial damage in the form of higher interest expense than I would be incurring if I were able to refinance.
Consumer complaint received 2021-06-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (CT)

My loan with SunTrust, now Truist, was put into forbearance a year ago due to Covid-19 hardships. My loan is now coming due on XX/XX/XXXX and I was sent a letter providing options to come current on the loan. I selected an option offered in the letter ( to defer the unmade payments as multiple payments at the end of the loan ) ; however, despite this being offered in writing, SunTrust representatives are telling me that I can not select that option. Any deferment has to be paid back as a lump sum at the end of the load. 

If the company provided me, in writing, an option that I am asking to choose, how can they now say " no, that isn't actually an option ''? Don't they have to stand behind what they have offered to me in writing? Written communication from a mortgage company is a valid part of the contract and I expect them to abide by their offer.