davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-11
Product: Credit reporting 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: Experian Information Solutions Inc. (LA)

Since XX/XX/2024 I have been denied access to all of my business credit reports due to identity theft. Experian business credit reporting has denied me access to all of my information as well as denying me the opportunity to correct inaccuracies. According to the Fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
I have reached out to them several times with no response. I have sent the certified letters for a response and have not received anything. My tracking number for the mail is XXXX My business names are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] open date is not reporting correctly, date last active, date of correct, this account is not accurate. This account is showing twice on my business credit file and everything is inaccurate.
Consumer complaint received 2022-05-26
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: Bridge IT, Inc. (TX)

I have 2 loans coming out on my credit report and it is the same loan and have different balances. I payed off the loan since XXXX and still have it on my credit report. I have no way of contacting the company because theyre phones dont work and the bank that works with them cant access my info since theyre not the same company.
Consumer complaint received 2021-10-01
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: Santander Consumer USA Holdings Inc. (CA)

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
Consumer complaint received 2019-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

On XX/XX/2019 I received the letter stating that they can't do anything. I have received the copy of the checks from XXXX XXXX and currently have the tracer as Capital One cashed the checks back on XX/XX/2019. I would like to have a copy of the checks that was presented to Capital One from XXXX XXXX. Unfortunately those checks were never presented to XXXX XXXX  they were presented to Capital One for payment. I do not have an account with XXXX and they can not provide me with a copy of who cashed or deposit those checks. I would like to received copy of those 3 checks as my primary bank and also Capital One Bank received the checks for payment. I do have the right to obtain a copy of those checks you supposedly received for payment. XXXX XXXX XXXX have already obtained copy of those checks and they were only cashed and presented on XX/XX/2019 not on XXXX or XX/XX/2019 as Capital One stated.
Consumer complaint received 2021-10-01
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: Resurgent Capital Services L.P. (CA)

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
Consumer complaint received 2021-10-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (VA)

I went online to access my records to print as I just saw online that Navient Corporation is exiting the Student Loan Servicing Program. I wanted to print all records to my account, to only see 2 items in the inbox and no correspondence from the previous years that Navient has sent and that I have sent to Navient. Inbox looks like it has been wiped clean from records. I would like to print all history of communication for my records.
Consumer complaint received 2019-12-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION (MS)

Please be advised I have submitted a full short sale package to my lender M & T Bank and we continued to submit all the documents and udpates. The lender declined the short sale after appraisal and stated my listing agent to sell for a full price offer. The appraisal was XXXX I have not been behind long enough for FHA to decline per my default status of the loan. We have been requesting the payoff letter from the Attorney on file and the Lender nearly a month and they would not accept my Authorization and asked that I notarize one to give to them? the property is still in my name I should be able to request a payoff to ensure the listing will pay the loan in full. The buyer of my short sale placed a full offer of XXXX to purchase the property and was sent to M & T Bank and they need to review that as per not helping us to get the payoff.
Consumer complaint received 2021-10-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I sent all three credit agencies a letter on XX/XX/21. It is now XX/XX/21 and i have not seen a investigation letter. It is more than 60 days. This is a misuse of my credit profile. Please delete
Consumer complaint received 2021-09-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NH)

Mortgage company did not pay the real estate taxes from the escrow account. I believed that they were going to pay but they declined payment. I got an real estate tax abatement from the Town then the banks stated that they had paid the taxes which the tax collectors office denies. The Mortgage then claims to have made two payments for the 6 month tax bill which put the escrow account negative as well as charged several {$500.00} attorney fees as well as property inspection fees. I called the mortgage company and the person I spoke with said they would need to research the issue. my next payment notice included a decrease in required payment which made sense to me since the property tax as well as the cost of homeowners insurance had gone down. the mortgage company had applied excess escrow funds to the principle. After approximately 8 months I get a property tax bill and homeowners insurance bill that states the Owner must pay which I forwarded to the Mortgage company. They paid both and stated that the escrow account was negative {$12000.00} because of account research fees, attorney fees and more inspection fees as well as the paying of the property taxes and homeowners insurance cost. this amount was due immediately. The next payment sheet came and stated that my new monthly amount was {$1600.00} more than the original mortgage and escrow amount. COVID-19 Struck and I lost my source of income for 7 months I continued paying the mortgage and the Mortgage company filed for foreclosure. I filed for bankruptcy and continued paying the mortgage amount as well as the trustee. After 10 months the mortgage company filed to be removed from the bankruptcy because " I had not paid the required Property taxes, Attorney fees, property inspections and Homeowners insurance '' they had these expenses that were supposed to be paid from escrow and not applied money toward the Mortgage which is being held in unapplied funds. the Mortgage company was granted removal from the bankruptcy. and here I sit pre-foreclosure with a bill of {$38000.00} and the mortgage company has refused payments other than payments in full.
Consumer complaint received 2021-09-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (IL)

This debt is supposedly for XXXX, a service I have not used in over five years if I am correct. This was on my credit report last year with different totals and was removed for being too old to collect, now they claim a new debt to XXXX was started in XXXX this year, but I do not use XXXX, I have not in a very long time. I can easily prove I have used another service for the time in between, but in the end, My service for XXXX should have expired in XXXX. I filed a dispute, but they didn't respond to the fact this debt was already removed from all three bureaus last year for being too old and are again trying to claim something thrown out.
Consumer complaint received 2023-01-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (SC)

XX/XX/2023 received 2 robo calls from Navient XXXX XXXX ; XXXX XXXX XX/XX/2023 received 2 robo calls from Navient XXXX XXXX XXXX XX/XX/2023 received 4 robo calls from Navient XXXX XXXX XXXX XXXX XXXX XX/XX/2023 received 1 robo call from Navient XXXX XXXX XX/XX/2023 received 1 robo call from Navient XXXX XXXX XX/XX/2023 received 3 robo calls from Navient XXXX XXXX XXXX XXXX XX/XX/2023 received 4 robo calls from Navient XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-30
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. (GA)

ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Consumer complaint received 2019-12-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX using Chase QuickPay with XXXX. I sent $700 to a vendor for a used XXXX  XXXX. I was promised that the XXXX  would be shipped out by the vendor but it never was. After a week that I sent out the payment and did not receive a tracking or a response from the vendor. I called my bank Chase to put in a complaint. Chase told me that they would not help me out. I tried to get some sort of verification from them so I could go to the police to file a claim but they refused to give me one. I sent messages and direct requests for help to XXXX  but nothing has been answered. It’s now XX/XX/XXXX and I don’t have the XXXX  or any help from Chase or XXXX  to recover my money. Recently I received a notification that Chase is going to monitor XXXX payments for scams and will be able to block payments. I feel let down by my bank that they haven’t done a thing to protect me when I needed the help.
Consumer complaint received 2022-08-26
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: LEXISNEXIS (NY)

/I called and disputed this account on XX/XX/22 to have this item removed and the Lexis Nexis still has not removed this account I have allotted them the required 30days and the dispute has not been settled and needs to be removed immediately! According to 15 USC 1681 section 602 A states : I have the right to privacy. According to 15 USC 1681 section 604 A Section 2 states : A consumer reporting agency can not furnish an account without my written instructions. With that being said I have not given them written instruction or permission to report such information and neither has the courts! 

My reference number for the dispute is XXXX
Consumer complaint received 2021-09-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (LA)

On XX/XX/2021, I reached out to Midland Credit Management regarding a possible debt that may be owed to their company. It was listed on my credit report, so I decided to act. I requested validation from Midland Credit Management on numerous occasions. I received letters that were nothing but a stall tactic in hopes that I won't continue to ask for validation. The letter that was received basically asked, " what I was disputing? '' I was not disputing the debt, I asked for validation. I sent another letter stating that I was aware of my rights regarding debt validation, and I was ignored again.
Consumer complaint received 2019-12-12
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WOLFE FINANCIAL, INC. (TX)

As a buyer I was involved in XXXX XXXX Transaction to  complete a purchase of a duplex subject to 3rd party financing. The lender ( Integrity Mortgage Group or Wolf Financial Services ) had delayed the process and could not get the cleared to close as planned for XXXX of XX/XX/2019. We could not get a clear idea of exact closing date and extended the closing date several times, but I lost the protection from my 3rd party  financial addendum. 
on the XXXX of XX/XX/2019 I was terminated from my W-2 employer and as we got ready to close on the XXXX of XXXX the lender rejected to close on the loan due to unemployment verification they did on the XXXX of XXXX. 
I lost XXXX $ of Earnest Money that was locked in this deal and I consider this negligence from the lender side that caused this loss. 

I am not sure what could be done, but any suggestions how to recover my losses are welcome. I will also contact my RE attorney. 

Regards, XXXX XXXX
Consumer complaint received 2019-11-27
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. (CA)

I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. These items need to be deleted from my credit report. XXXX, XXXX XXXX and XXXX XXXX XXXX. I have reached out to my local police and the FTC as advised.
Consumer complaint received 2021-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (CA)

I purchased a closet with the container store in XX/XX/2020. My purchase qualified for the 24-months special financing. To be eligible for the promotion, I had to apply to the store credit card managed by Synchrony bank. During the application process, a card security fee was automatically added to my account without my knowledge. For the past 20 months, they have been charging me a card security fee ( every month ) along with interest fees. 

I was unaware of the charges because I set up automatic payments that would add to my purchase amount when I got the credit card ( I calculated how much I needed to pay per month to finish my debt within 24 months ). To my surprise, when I wanted to pay it sooner, I was owing to them way more than my original purchase price. I have called them and argued, and they have refunded me some of my money, but there is still a balance of {$530.00} that they refuse to refund me.
Consumer complaint received 2022-05-26
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: CITIBANK, N.A. (NJ)

This problem is with XXXX, In XXXX I had a account with Best Buy that is held by best buy, This account was opened XX/XX/XXXX They say charged off as it was going through Bankruptcy they started this XX/XX/XXXX, at this time my credit took a point loose. Then in XX/XX/XXXX they marked bankruptcy, They although tried to hit my cerdit report with saying I claimed bankruptcy in XXXX of this year my score dropped XXXX points had to get XXXX XXXX to help prove no new bankruptcy. Now this week in XX/XX/XXXX they are reclaiming charge off and my score fell XXXX more points this should not be reported again was once reported charge off XXXX then in bankruptcy, XXXX is telling me I can keep having my score drop from this same account till it comes off account. I have tried calling Citi bank no help I wrote to the in XXXX and sent in Discharge papers And I believe a problem may be Citi bank changed it to a collection agency with new account number and then back to bankruptcy number
Consumer complaint received 2021-09-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

My mortgage Forbearance is due to expire TODAY. I have been trying to find out from Citizens Bank what I need to do to start making my payments again for over a month. Their process is unlike any other banks ' process that I am familiar with ( I have rental property mortgages with other banks ) ; they are asking for tax forms and other documentation not required by the other banks. Furthermore when trying to understand their requirements the only people I can talk to are in another country, difficult to understand and the telephone connection is ALWAYS poor. I spoke to three different reps this morning who I could not understand. The customer service dept at citizens bank is unreachable. I have complained to a local brand manager who also could not understand the requirements, and has filed a complaint with citizens on my behalf. I have still not been contacted by anyone! I made the XXXX mortgage payment, though I am not confident it will credited properly and still have no idea how to get out of the forbearance program! The attached form indicates the documentation required by Citizens. NO OTHER bank required this to end the forbearance program I was on. I don't want to request loan modification and can't pay back the total due to come out of forbearance. I SIMPLY WANT TO ADD THE TOTAL DUE ( {$19000.00} ) TO THE END OF THE LOAN IN A NON INTEREST BEARING ACCOUNT ... JUST LIKE I HAVE DONE WITH MY OTHER MORTGAGES. Citizens Bank has made this process impossible!
Consumer complaint received 2021-09-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (PA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The LVNV FUNDING LLC is a corporate account and was mistakenly reported on my profile. The 3 Credit Bureaus had their record-keeping been accurate, and no complete payment history was provided. The 3 Credit Bureau are willfully in violation of FCRA and condoning illegal behavior, they MUST correct or remove this collection account immediately.
Consumer complaint received 2021-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (NV)

Early in 2020 American Express charged my account for a XXXX car rental where my card was not used and not on record with XXXX. The contract rental was on a Visa. 

I requested more than once that AMEX explain how that charge was allowed and informed them of the Visa used. 

No meaningful response or explanation to date has been provided as to how this came to be. 

American Express informed in XXXX the charge was not fraudulent. My view remains that the merchant 's attempt to collect from American Express was fraudulent given they did not have a record of my card nor my card used ( a Visa was ). 

On that basis I request the American Express also provides a copy of the original rental agreement that supports the charges they apply to my card/ account.
Consumer complaint received 2021-09-30
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Better Mortgage, Inc. (NJ)

I went with 'Better ' mortgage to purchase an investment property. They offered competitive rates so I thought, why not? It's an investment property and every lender credit/lower rate helps. 

The number of tasks you need to complete to get your loan reviewed is unending. You think you're done and then you receive a wave of new tasks. 

Fast forward, FOUR MONTHS LATER, closing was scheduled. All well and good until CLOSING DATE. 

CLOSING DATE -- XXXX - reached out to loan officer and he cloud not provide status. Promised to get back to me. Then I get a call at XXXX -- the terrible news -- " We can not close today because our HOA team just realized that the units sold/under contract in the condo building are not above 50 % '' " We need to get an exception from XXXX XXXX '' . 

SERIOUSLY? 

Me : Why was this missed? 
Me : What was your HOA team doing from the day I put in my application over 4 months ago? 
Better Mortgage : Oh our HOA team was not on top of it. It's our fault and we take full responsibility. 

Me : Am I the first customer that has experienced this? 
Better : No, it's actually happened at least once before. 

Me : So why the heck did you not put appropriate controls in place to ensure this does not happen again? 
Better :.. 
Better : ... ... mute.

Better sent me an email days later saying they will deny the loan request. 

THIS IS THE WORST BORROWER EXPERIENCE I HAVE EVER HAD. 

Unbelievable and shocking that a company that positions itself as a disruptor to the mortgage industry can operate in this manner. 

I opened another loan application with XXXX  Lenders - terrific company and I was able to close the purchase.