davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-14
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: Experian Information Solutions Inc. (SC)

came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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Consumer complaint received 2021-11-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: E Mortgage Capital, Inc. (CA)

In XXXX, I was cold called by E Mortgage Capital to apply for a home refinance. Due to a professional mistake, I was put on the XXXX XXXX XXXX XXXX which, to my incredulity, did not allow me to obtain a personal mortgage ( that must be changed ; has nothing to do with a professional mistake!! ). I let them know that XXXX XXXX allowed a lender/servicer to apply for a XXXX XXXX to allow me to obtain the refinance. They declined to do that. In XXXX XXXX, I was called by E Mortgage Capital again, same person! I reminded them about the XXXX XXXX problem and he insisted that there was a program to BYPASS XXXX XXXX! I asked how? He insisted they could bypass XXXX XXXX. Summarizing the next XXXX months : I applied ; I gave them every doc they asked for ; Since I was semi-retired and did not have enough income, he asked XXXX TIMES for IRA distributions as each time it was not enough?? Totally unprofessional, should have known XXXX amount for XXXX distribution! That took months!!! Along the way, he apologized for the length of the application. I answered that they were the only game in town for me as it bypassed XXXX XXXX. I kept asking, again and again, how did he do it? I was thankful but could not believe it! Finally as the loan was ready to close, I was told XXXX XXXX XXXX  found out I was on the Exclusionary List and I was out of luck. I replied, Are you kidding me, you knew about this from the start and you assured me of bypassing XXXX XXXX! Why did you lead me on for XXXX plus months and make me take IRA distributions which I did not intend to take? No response but Im sorry. I then sent he mails to the top executives of the company and recounted everything. No response! Then, lastly, I asked them to apply for that One-Time Exclusionary List Waiver to see if I can get my loan. Again, no response!!
Consumer complaint received 2021-11-24
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. (MD)

I sent in my complaint to Equifax XX/XX/2021. Equifax signed for my complaint XX/XX/2021. By law, theyre given XXXX business days to block the fraudulent information resulting from identity theft. 

Today at XXXX I called Equifax and Ive spoke with a manager named XXXX at Equifax XXXX XXXX XXXX, located in XXXX, XXXX badge # XXXX. He informed me Equifax does not have to block fraudulent information unless they're provided XXXX pieces of information from the consumer. 
1. Social Security card 2. Drivers license 3. Proof of address 4. FTC Report 5. Statement from the consumer The law states otherwise. 15 USC 1681c2 state only numbers 2-4 is needed.

2. Drivers license 3. Proof of address 4. FTC Report 5. Statement from the consumer I asked XXXX where I can find this information in which he told me, and he stated '' the information is internal here at Equifax ''. Being as so, me as a consumer would never have access to this information being that I'm not an internal party to Equifax. I can only go off the laws set in place to protect the consumer, which Equifax seems to contradict. 

Equifax has come up with their own rules in the procedure to block information resulting from identity theft and it is contradicting the law 15 USc 1681c2. 

On top of that It has now been over 30 days, and I have not received any response form Equifax in regard to my disputes.
Consumer complaint received 2021-11-24
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. (TX)

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 


This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed.

605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2021-11-24
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: EQUIFAX, INC. (FL)

My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.
Consumer complaint received 2023-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: PENTAGON FEDERAL CREDIT UNION (CT)

the company shared my information with another company without my consent. obtaining my credit information and personal information such as date of birth and social without my authorization. I found out when XXXX sent an alert about my credit history. 

XXXX XXXX shared information to XXXX XXXX without my authorization.
Consumer complaint received 2021-11-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (TX)

I would like to file a complaint regarding my refinancing experience. The experience took over two months and I had very little communication with anyone. I tried contacting the processor on several occasions, left messages and they were never returned. When I finally did hear from the processor she reassured me that everything was looking good and there would be no problems with the refinance. I checked my dashboard daily for updates and there were just a few, maybe once a week. I was sent an email with pre closing paperwork to sign, which I did. Last week I noticed the loan was listed as inactive. I turned down several other lenders so that I could secure a loan with NewRez and now I find out that they did not approve my loan due to income issues. I was never told this when I applied, they said there would NOT be any issues.
Consumer complaint received 2024-02-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: JPMORGAN CHASE & CO. (IL)

Chase Bank caused irreparable harm on XX/XX/XXXX when officers of the Court for JPMorgan Chase Bank, XXXX XXXX, XXXX # XXXX and XXXX XXXX, XXXX # XXXX intentionally violated Regulation X and sold my personal residence at a Sheriff Sale in XXXX XXXX, IL. 
JPMorgan Chase and its Officers of the Court received two Loan mitigation applications dated XX/XX/XXXX and XX/XX/XXXX and made material misrepresentations to the Court that JPMorgan Chase reviewed the Loan mitigation applications per Regulation X. The XX/XX/XXXX and XX/XX/XXXX Loan mitigation applications were received by JPMorgan Chase Bank within 45 days or more before the XX/XX/XXXX foreclosure sale as required by the Regulation X servicing rule. ( CFBP complaint XXXX and XXXX ). 
Regulation X requires servicers to maintain policies and procedures reasonably designed to maintain polices and procedures reasonably designed to achieve specific goals that include : providing timely and accurate information ; properly evaluating loss mitigation applications ; facilitating oversight of and compliance by service providers ; and facilitating transfer of information during servicing transfers. 12 CFR 1024.38 ( a ). ( b ). 
JPMorgan Chase Bank signed XXXX consent orders issued by the Office of the Comptroller of the Currency ( OCC ), The Office of Thrift Supervision ( OTS ) and The Federal Reserve Board ( FRB ) to and Independent Foreclosure Review to address and correct deficiencies in the mortgage servicing and foreclosure processing as stated in CFPB complaint # XXXX and CFPB complaint # XXXX. ( Attached ) Servicing rules require that if a servicer receives a loss mitigation application 45 days or more before a foreclosure sale, it must notify the borrower in writing within five days to acknowledge receipt of the application and whether it is complete or incomplete. 

JPMorgan Chase Bank and JP Morgan Chase Bank Officers of the court made material misrepresentations to the Court and intentionally failed to comply with XXXX Consent Orders and Regulation X servicing rules to cause irreparable harm to its customers.
Consumer complaint received 2021-11-24
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (LA)

Process began for refinance with XXXX XXXX XXXX late XX/XX/2021, it is now late XX/XX/2021 and no progress has been made. I have had three different processors working on this file and each person ask for the same information that has been uploaded to their portal. Furthermore each piece of information requested has been supplied and then another document is requested. The lack of consistency and clarity has made this experience horrible. 

The process has taken so long that my original Termite inspection has expired and I had to get a subsequent inspection completed. 

The company realized that the file was sitting up and has assigned this to a Task Force Processor which has been on the case for a month or so. This latest processor is where the lack of clarity comment enters. Its the bread crumb effect that has ruined the entire process. The bread crumb effect, is where the customer provides a requested document and then another request comes followed by another and the trail never ends. The constant response is the Underwriter, well I havent had this much of an issue when I made the purchase. I want a cash out refinance.
Consumer complaint received 2020-02-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (TX)

I have NEVER given this company consent to my private personal information which is identity theft. This company does that have a contract signed by me for services with this company. Per FDCPA 1692c Sec 802, this company asking me to pay an alleged debt they are no party of is FRAUD.
Consumer complaint received 2021-11-24
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Williams, Rush & Associates, LLC (FL)

They called and spoke with my father about the debt. I retained an attorney and they agreed to settle out of court and delete the collection off my credit file. They are still paying me on the settlement but they refuse to take it off of my credit report. Everything was signed and agreed upon. I have attached documents.
Consumer complaint received 2021-11-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

i am complaing about bank of america charging a lot of those fees durring the pandemic i have XXXX kid and my wife and they was not working. everytime i call the bank to ask them for help. XXXX  XXXX is not computer error. their is nothing they can do, i am sending that itermize stament as far as fees they charge in my account.
Consumer complaint received 2021-11-24
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: EQUIFAX, INC. (NJ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-11-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (IN)

Please reference complaints XXXX and XXXX. 

Midland Mortgage is retaliating against me for filing these complaints. They deleted all my information from the first mortgage assistance application ( attached proof everything was submitted on website ). XXXX at Midland Mortgage 's lost mitigation department called me on XX/XX/2021 @ XXXX p.m. and wanted to do everything verbally over the phone. I am not sure another application is needed for a XXXX-day review to extend payment delays as I will explain the house is sold. They are being very crooked about all this. 

I also spoke with XXXX XXXX at Midland ( XXXX ) at length on XXXX and he was having my house de-winterized by XXXX properties. Midland assumed the house was vacant because I moved to a new job in Indiana but I do go home to my house quite a bit on weekends and Holidays ; it has never been vacant, abandoned, or unoccupied. He explained that XXXX may be outside taking pictures to ensure someone was there but I am not under house arrest by the bank and they do not have a right telling me how often I have to be there and I do not have no court order where I have to report to the bank when I come and go in my own home. There is more than enough proof that has been submitted to show I am still occupying and in control of my house. They had no right going in and changing the locks without my knowing or consent. 

The house has been sold. I sent the purchase agreement several times to Midland Mortgage. That was the only other document they were requesting for the mortgage assistance plan process. The buyer 's inspection is complete and all we are waiting for is appraisal ( scheduled ) and then closing on or before XX/XX/XXXX. I am submitting these complaints in hopes of preventing Midland Mortgage and XXXX Properties from stealing my house before the sale is complete. This mortgage company is breaking a lot of laws and violating my rights.
Consumer complaint received 2024-01-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: JPMORGAN CHASE & CO. (IL)

Attached are Request For Modification Assistance forms sent to JPMorgan Chase Bank NA that were requested by Chase Attorneys XXXX XXXX and XXXX XXXX. 

Step six of the Request for Modification Assistance forms requires Chase to assign a team of dedicated specialists to the loan with 5 days. 

Attached are the Request for Modification forms dated XX/XX/XXXX and XX/XX/XXXXXXXX XXXX 

JPMorgan Chase Bank NA and its attorneys did not respond to the XX/XX/XXXX and XX/XX/XXXX request. The last Request for Modification Assistance form was received by Chase on XX/XX/XXXX.
Consumer complaint received 2021-11-24
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. (GA)

I've tried reporting this information to credit bureaus that the information is incorrect and there should be no collections or balance. Please update and remove from my account! 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (IL)

I had no knowledge of this account until it hit my credit report. I never signed up for a XXXX account. I have never received a bill from XXXX. 

I tried to call XXXX about this but they transferred me to a third-party debt collector ( Convergent  ). When I provided the customer service rep at Convergent with my name, she said she couldn't find any account under that name.
Consumer complaint received 2021-11-24
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: EVERBANK, NATIONAL ASSOCIATION (TX)

TIAA Bank has refused to completely reimburse me for an error they made. In XX/XX/XXXX I called the bank to ask a question. My question was does TIAA Bank allow borrowing for a mortgage against a CD held in the bank. After a talk with the agent on the phone I concluded that TIAA does not do this. Later after I found a charge for early withdrawal from a CD on my XXXX tax statement, I called and was told that {$10000.00} had been taken from my CD at TIAA Bank which was paying 2.08 % interest in XX/XX/XXXX. TIAA Bank looked into the situation and told me on the phone that using their records they could not determine who authorized removing the {$10000.00}. I knew it was not me. They did reimburse the tax penalty. I asked for reimbursement of all lost interest after the bank could not put the money back into the CD. TIAA declined to reimburse any lost interest. I then complained to Consumer Financial Protection Bureau. At that point the bank reimbursed me for lost interest from XX/XX/XXXX until XX/XX/XXXX. ( The CD did not mature until XX/XX/XXXX. ) At that time ( XX/XX/XXXX ) TIAA wrote that I asked about early withdrawal from a CD on my XX/XX/XXXX phone call. I do not remember this at all. My question was can I borrow for a mortgage against a CD. TIAA told me on the phone on XX/XX/XXXX that their agent whom I spoke with about borrowing against a CD had no training on what I was asking. Because she knew nothing about this means of borrowing, her interpretation of the conversation was that I wanted to withdraw money from a CD. The agent did not tell me that she was doing this, but during the conversation she did the withdrawal of {$10000.00} from a CD as a test case. I was blindsided by this. My call was just to ask a question about bank policy. In addition, TIAA stated that at the end of the call she should have put the test withdrawal of the funds back into my account. She did not. I never suspected that the withdrawal of funds happened because my reason for the call had nothing to do with an early withdrawal. I understood why the bank was not willing to reimburse lost interest from XX/XX/XXXX through the CD 's maturity on XX/XX/XXXX while the CD was still in effect. I called and asked for reimbursement of the the remaining lost interest on XX/XX/XXXX. TIAA called back on XX/XX/XXXX to say that they denied my request. I want the interest from XX/XX/XXXX until the CD matured on XX/XX/XXXX to be returned. It is only fair that TIAA should reimburse all lost interest on a mistake which was entirely their fault and done without my knowledge.
Consumer complaint received 2021-11-24
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA (WA)

Hello, On XX/XX/2021 I decided to purchase a camera lens from XXXX. I decided to use my Apple Card ( Globman Sachs Bank USA ) for that purchase. I contacted the customer service via text message and asked the agent a simple question : Me : If I purchase with XXXX, can I still get the zero interest rates using my apple card?

The Agent : When you purchase with your Apple Card, it WILL NOT charge you interest whatsoever. 
Me : So ZERO interest? 
Agent : Absolutely! You are right.

Then I received my next month 's statement, and it showed an Interest amount on it. I called to find out why is that happening to my account. They reviewed the text messages at their end. They apologized for the wrong information, and they waived the interest rate for that month and promised me to fix the issue, and they asked me to call every month and ask for the interest waive since it was their mistake MISLEADING their customer. I called the next month, and I was surprised that they wouldn't do anything about it. They promised me to take it to the next level, but they did nothing about it. 
I called them repeatedly and just tried to get fair treatment since they gave the wrong information at the beginning but NO HOPE. They are charging me every month, and I had to change my payment plan and cut many things to satisfy their payments. They promised me to reach out with a different solution, but they did not. 
All I am asking now is to get fair treatment for the Misleading and Wrong information they provided me and not helping me get it fixed.