davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (NJ)

end of last year XXXX I did not receive my monthly statement called Newrez ( starting servicing loan summer of XXXX? ) Told copy old statement and mail on with current payment, made payment.I do not believe I should to go to store make a photo copy this guy talking nonsense is a customer service rep.Co. started mailing out statements again now last 3 months no statement ( so no slip to mail with check, no monthly balance, no escrow balance they could make a change I would have no idea ) If they are obligated to send me a statement I would like to make a complaint I do not trust this company.Never late on a payment we have been homeowners since XXXX and have never had a mortgage company like this, they picked us we did not pick them.THANKS IN ADVANCE XXXX MORTGAGE COMPANY IS newrez
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (VA)

The following hard inquiries are on my credit reports from the credit bureaus without my knowledge or request from creditors : XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX
Consumer complaint received 2019-08-29
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (CA)

I applied for a mortgage loan through Quicken Loans. My loan agent was XXXX XXXX, Senior Banker NMLS # XXXX. 

When we began the loan pre approval process I asked if combining my Wife 's income to my income is ok to do. I am a XXXX  XXXX  of a small XXXX  and My wife works part time in the XXXX  of the XXXX. I was wondering if it would work for the XXXX to pay our family in a package with my wife doing some work also. XXXX mentioned that it was not legal and we could not do that. 

I reported back to our financial team at the XXXX  that the lender did not feel it is a good idea to combine what my wife makes to what I make. In order to allow for our family to live close to the XXXX and afford a home the financial team decided to give me a pay raise. They wanted me to find out what was needed in more funds to approve me to be able to buy home near the XXXX. 

On XX/XX/XXXX I text XXXX asking him what a XXXX or XXXX pay raise would get me. He responded with " Quicken Loans can't approve me for any other amount ''. I asked why? If I show the income then I can not be discriminated against. XXXX stated that He believed/it appears to him I was using my wife income not getting a true pay raise. I told him I did appreciate being told I am lying. 

A few days later I went back to XXXX and told him we are wanting to move forward with loan and the XXXX also decided to give me back pay/ bonus because of multiple years of making below the income mark for my position in a XXXX in our city. 

A few days later he told me to have a letter written from our financial team showing the pay raise. I did that. He also stated they need to know where the large bonus came from. I told them what it was and showed proof and a pay stub that it came to me from the XXXX. 

XXXX processed everything and got me approved. He had me pay XXXX dollars to commit. The appraisal was ordered and completed on the home. The next day I get a phone call from XXXX director saying that the fraud department denied the loan. No explanation was given other than they believed I " falsified ' or " inflated '' ( can't remember exact word ) my income to get higher approval. They also called into the question the legitimacy of the back pay/bonus. 

I feel like my integrity, our XXXX integrity, and our XXXX  committee 's integrity has been attacked and we have been victims of discrimination. Maybe its because I am a XXXX or my belief in XXXX, XXXX  XXXX ... I am not sure. But the way I was treated and the denial of a loan after an offer was already accepted on a house, inspections were already paid for and done. My deposit was already given quicken loans ... is thievery in my opinion. The financial loss needs to be made right and Quicken Loans needs to be held accountable for their behavior. I hope this companies protects many others from being victims of this criminal behavior.
Consumer complaint received 2018-09-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (TX)

I am in receipt of a letter from Sequium Assets, XXXX XXXX XXXX, # XXXX, XXXX, Ga XXXX stating that I owe {$8.00} to XXXX. Please note, XXXX has sent no bills to me regarding this. I signed up for their service and cancelled within their no penalty cancellation policy after a few days. My credit card was never charged and XXXX has had full access to it. Not a valid debt and no evidence or supporting documents have been provided. Their number is XXXX. 

Thank you
Consumer complaint received 2021-11-13
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 (DE)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Also, this is to inform you that there is no third party involve in this process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the unauthorized inquiry reporting on my Credit Report : PENTAGON Date of inquiry XX/XX/2021
Consumer complaint received 2018-09-20
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. (WA)

XXXX XXXX XXXX Credit card account balance shows XXXX. I have never applied for the card nor am I aware of this card and I never banked with XXXX XXXX XXXX. 

I had recent credit check done by homeland secuirty and that is when I noticed this issue. I have tried many times to get this problem solved but nothing happens. This is not my credit card nor my charges and I need this removed off my credit report. I have provided more then enough proof and documentation for this but XXXX XXXX XXXX is not responding at all.
Consumer complaint received 2015-11-06
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: JPMORGAN CHASE & CO. (CT)

I AM AN XXXX OF XXXX. I applied for a Chase auto loan to replace/trade against my existing 2013 XXXX. The dealer submitted the loan application. The dealer agreed to take my car based on the remaining outstanding balance, pay it off and Put me into a new XXXX XXXX XXXX XXXX. To my surprise, my loan application was declined. Have I have a credit score of XXXX, Excellent payment history for the last 3 years on my existing vehicle, financed through XXXX XXXX. Secondly I have another car loan being financed through Chase with perfect payment history. My gross salary is in excess of {$250000.00} and I am XXXX. I submitted the last XXXX pay stubs, totaling over {$XXXX} in just the last 2 months. The reason for the decline according to the dealer was " Unable to verify my income '' and unable to verify the car trade in. I went to a second XXXX dealer and resubmitted the application, with exactly the same information. The loan was declined stating " The income on my previous application was much less and thats why they declined it the first time. I have copies of the first application and it shows exactly the same amount, {$250000.00}. I Verified my wages with my last XXXX pay stubs and to make the matter worse, I have banked with chase for more than 8 years, my business banking and all deposits go directly through chase. My mortgage is with chase for the last 20 years. I FEEL DISCRIMINATED AGAINST DUE TO MY RACE. CAN SOMEONE PLEASE EXPLAIN WHY SOMEONE WHO HAS GOOD CREDIT, EARNING A HIGH SALARY, MORE THAN NEEDED TO MAKE THE MONTHLY PAYMENT, HAS EXCELLENT CREDIT HISTORY WITH THE BANK IN QUESTION, ALREADY HAS AN EXISTING AUTO LOAN WITH THE SAME BANK, THATS IN GOOD STANDING, SUBMITTED BANK STATEMENTS AND PAYMENT STUBS TO VERIFY MY INCOME GET DENIED? 
****Income verification : I attached my last XXXX payment stubs, vendor ( XXXX XXXX ) contract for 3 years who pays monthly, the credit application I sent to the car dealer for submission to Chase. I have not included my bank statements but can be provided.
Consumer complaint received 2022-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NC)

I called and spoke to an agent XXXX to update my payment information as I made an online payment while out of the country with the wrong Finacial institution information. I was informed by the agent that she could not assist me with that, and that I was unable to process the payment and to update information via my mobile device. I explained that I was out of the country and did not have my own personal computer with me. I did share that I would transfer money via PayPal to my former financial institution in order to cover the payment. Later that afternoon, I received an alert on my phone regarding account closure I called back spoke with another agent and asked to speak with a manager. They put me through to XXXX who is an account manager with Synchrony Bank. I explained that I was out of the country did not have access to a computer and wanted to update my financial institution information as well as the fact that I am addressing return items promptly. The account has never gone 30 days past due and expressed also my frustration that I do not have the ability to update the information via a mobile device. XXXX offered to update the information whereas the agent earlier did not offer and told me I had to do it online. XXXX also brought to my attention that there were no documented calls regarding any returned items which to me is problematic.
Consumer complaint received 2021-11-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (MT)

On Tuesday, XX/XX/XXXX at XXXX XXXX I received a text message from Wells Fargo fraud alerts asking if I authorized a {$2000.00} XXXX transfer. I immediately responded No. see below : XXXX ( XXXX ) XXXX Text Message Tuesday XXXX XXXX Free Msg-Wells Fargo Bank Fraud Alert-Did You Attempt To Do A XXXX Transfer For The Amount Of {$2000.00} Reply YES or NO Or 1 To Decline Fraud Alerts No Thank for your confirmation case id # XXXX Seconds later I got a call from XXXX which is Wells Fargo customer service so I immediately answered. The guy ( I cant remember his first name but last name was XXXX ) said he was calling with Wells Fargo fraud prevention on a recorded line. He said there was an attempted {$2000.00} XXXX transfer to an XXXX XXXX. I said I had no idea who that was and did not complete that transfer. He said to reverse it I had to add myself as a recipient on XXXX with my name and phone number and redo the attempted transactions. He had me send myself {$1000.00}. Than {$1000.00} again. Than {$800.00} which declined because my funds were depleted. Than the call dropped. I received these text messages : Text Message Tuesday XXXX XXXX XXXX XXXX XXXX WON'T CALL for this XXXX XXXX, Enter : XXXX. Don't share! Reply HELP for help, STOP to end msgs. Msg & Data rates apply.

Send Money with XXXX message from XXXX XXXX @ XXXX. XXXX XXXX sent you {$1000.00}. 
We'Il deposit this Send Money with XXXX payment to your TD Bank account. Reply HELP for help. Reply STOP to cancel. 
Msg & Data rates may apply. 
Send Money with XXXX message from XXXX XXXX @ XXXX. XXXX XXXX sent you {$1000.00}. 
We'Il deposit this Send Money with XXXX payment to your XXXX XXXX account. Reply HELP for help. Reply STOP to cancel. 
Msg & Data rates may apply. 
Text Message I immediately called back Wells Fargo at XXXX and filed a claim realizing I had been scammed. All my money is gone and Im devastated. Im so mad at myself that I fell for this. Please help.
Consumer complaint received 2023-10-04
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION (AR)

A fraudulent loan was taken out from my bank, Navy Federal Credit Union, in my name on XX/XX/2023 in the amount of {$7000.00}. I spoke to someone in the fraud investigation department, and they said I would know more information about the status and outcome of the investigation in a few days. I called back several times to check on the status and details of the investigation. There were no notes in my account that any other representative could see regarding the conversation I had with the fraud investigator, so no one I spoke to had any knowledge of or any information about the fraudulent loan. I still dont know the status and details of the investigation. The account is being reported on all of my credit reports and accruing interest. The first payment is due next month. The is one of my worst nightmares.
Consumer complaint received 2018-09-20
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. (TX)

I disputed the referenced accounts in XX/XX/XXXX. The TransUnion credit report attached shows results that these items ( XXXX XXXX and XXXX XXXX ) were deleted from my credit file. Now I notice these items have been reinserted on my credit report. On XX/XX/XXXX I was notified that TransUnion had placed XXXX XXXX and XXXX XXXX back onto my credit report. Back in XX/XX/XXXX I sent in an Identity Theft Report for which TransUnion did receive. TransUnion removed XXXX XXXX and XXXX XXXX from my TransUnion credit report. I have included a copy of my TransUnion Credit report from XX/XX/XXXX showing that both XXXX XXXX  and XXXX XXXX had been deleted. I am demanding that both XXXX XXXX and XXXX XXXX be REMOVED AND BLOCKED from my credit file. Please see attached documentation I am also requesting that XXXX XXXX XXXX be removed and blocked from my credit file as well. I expect to have an updated TransUnion showing the removal in 30 days per law.
Consumer complaint received 2021-11-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

On XX/XX/2021 I sent a certified letter to Capitol One requesting that they provide verification that the collections account number XXXX shown in my XXXX, XXXX and XXXX credit reports belonged to me. 

After receiving no response I sent a second certified, return receipt letter on XX/XX/2021 requesting that they remove the collections account shown in my credit reports at all three credit bureaus. According to the Fair Credit Billing Act they are required to contact each credit bureau to ask that the derogatory account be removed from my credit file. 

On XX/XX/2021 I sent certified letters to each of the three credit bureaus, along with copies of the letters sent to Capitol One requesting that each one of them remove the collections account number XXXX shown on my credit report. I asked that they update my credit report accordingly and send me a corrected report within the next 30 days.
Consumer complaint received 2018-09-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: State Collection Service, Inc. (IL)

I had already disputed these accounts with all three Credit bureaus and with state these accounts that are on my credit report are accounts that are still pending with XXXX XXXX. insurance they are not supposed to be in collections I have tried to explain this to them and they just ignore it what they did they took it from a charge off-collection status on my XXXX and made it a closed account but left it in collections then on my XXXX   and my XXXX reports there still in charge -off account status they didnt send me any notification that they were going to be putting these accounts on my credit file didnt give me any notifications so that I could dispute the charges with them at all some of these accounts theyre taking one account and breaking it down bill by Bill to make it seem like more account, the account for the XX/XX/XXXX bill thats one account it should not be two separate accounts that was one bill for one service but state took it and broke it down there now Its two collections on my credit report instead of one there are Multiple bills like that
Consumer complaint received 2022-12-16
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: Experian Information Solutions Inc. (FL)

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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Consumer complaint received 2021-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

I suddenly stopped receiving billing statements on my Capital One MasterCard account in XX/XX/2021. Since that time, I have received neither paper statements by mail nor any email notifications when a statement is posted. The last statement I received, by US Mail, was for the period ending XX/XX/XXXX. I paid the entire balance due promptly as usual. It took me a while to notice that I was not receiving statements. Once I went online and discovered I owed a balance, I paid all of the " transactions '' in full, but not the interest and late fee charges, totaling {$64.00}. I disputed the late fee and interest, by letter to Capital One, dated XX/XX/2021, based on my understanding that the applicable regulations require the bank to send me notice by way of a statement in sufficient time to allow a customer not to incur interest and late fees. I also noted in my dispute letter that my mailing address and email address information are correct on the Capital One website, but when I try to check my " alerts profile '' for my account to see why i am not receiving statements, I get a message as follows : " Unable to retrieve your preferences, but we are working on it. Try again in a bit. '' This message continues to appear on Capital One 's website with reference to my account. I believe there is a an issue with their records on my account which they have not acknowledged or corrected. Capital One responded to my letter by crediting me one late fee, but continuing to charge interest on interest and late fees each month since. I still have received no statements on the account without going online affirmatively myself to see what they are charging me. I contend that the law requires a credit card issuer to provide timely statements. I therefore request full credit for my current balance of {$79.00} and correction to my account that will provide me with timely statement information from now on.
Consumer complaint received 2019-07-25
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Direct Recovery Services, LLC (TX)

Direct Recovery Service has repeatedly contacted my mother and brother about a debt they said I owe. They sent me a text on XX/XX/2019. I replied STOP. They then sent my brother the same text. I called the company at XXXX and tried to explain that I want them to cease and desist contacting me. I asked for the mailing address so I could send the information in writing and they refused to provide it, I was hung up on three times when asked. The agents will not give out anything but a generic name, no agent Id or last name. One woman told me okay I removed all your information and she would send me an email with what I was requesting. She then sent me an email telling me to opt-in and that I am consenting to receiving ongoing private and personal electronic information. I called the number on the email XXXX and spoke to someone named XXXX, he stated that he had removed all my numbers. I am not sure if that was the truth, he at first told me he didnt have an agent iD, then that he couldnt give out his last name, then he gave me an extension XXXX. Which doesnt mean anything, I called back to check.
Consumer complaint received 2022-12-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
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