davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-27
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: Experian Information Solutions Inc. (FL)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 


In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U, S. Cilde 1681e ( b ) and 15 U.S. Code 1681 ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure I plan on seeking remedy for damages for each Federally protected consumer rights violations under USC 1692 and legal actions if this issue does not resolve.
Consumer complaint received 2019-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (GA)

Equifax is absolutely the worst company I have EVER dealt with. Not just credit reporting, but ANY company. You can not access their website, it always says they are having problems and try again later. Days, weeks and months later it is always the same. Then they want you to send in a written request for your annual credit report. I do that and weeks later I get a report to send copies of multiple documents, plus ANOTHER letter telling them what I am requesting, plus the ORIGINAL letter ( which was sent to them, therefore, they have, I do not ). Attached is their refusal to send me my credit report. 

I have tried for over a year now to get my credit freeze unlocked and to get a credit report and they refuse to do either.
Consumer complaint received 2019-07-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (AZ)

My mortgage was sold to Fifth Third Bank. Fifth Third Bank has not paid my home owners insurance to XXXX even after several calls to the bank AND submitting proof of insurance as requested on their website. 
Additionally, Fifth Third Bank has raised my mortgage monthly payment by over XXXX dollars with no explanation. Calling the service center has lead to lots of hold times and transferring but never any explanation why my mortgage payment has jumped. I have a conventional loan with 100 % on time payment history. Am looking for more help in getting Fifth Third Bank to co-operate and put my payment back to the original amount and also pay my home insurance to XXXX as my previous mortgage holder did.
Consumer complaint received 2021-04-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NV)

To whom it may concern : I have a home, XXXX XXXX XXXX XXXX, NV XXXX. Rushmore Loan Management Services is servicing the loan. I am an additional person to be considered on the loan. Ive sent Rushmore a completed loan modification application and all supporting documents requested via certified mail twice. Despite me having a receipt from USPS saying otherwise, Rushmore has said the loan modification documents were never delivered or lost twice. 
I would appreciate it if the Consumer Financial Protection Bureau could investigate and help me figure out when we can expect our loan modification. 
Thank you in advance for your help. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-09-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CO)

OCWEN lost our loan when we refinanced with XXXX. 

XXXX took over our loan in XXXX, 2019. 

OCWEN was holding {$2200.00} in escrow at that time. 

OCWEN returned {$710.00} on XX/XX/XXXX. 

OCWEN still owes us at least {$1500.00} in escrow funds. 

We contacted OCWEN and they told us we had to fax them a written request for " research ''. 

OCWEN is way beyond the statutory time limit for returning all of our unused escrow funds.
Consumer complaint received 2019-07-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (IL)

On XX/XX/2019 I opened two accounts ( checking and savings ) responding to the {$500.00} offer by Citibank. I was assisted by the banker XXXX XXXX who received the copy of the offer and confirmed that I qualify for it. The offer required keeping over {$15000.00} in both accounts for a period of at least 60 days plus qualifying direct deposits. Both conditions have been met so when I returned from a trip abroad I checked my account balance and I didn't see the deposit so I called the banking center. The bank center indicated they are not aware of any offer so I sent an email to Ms XXXX which was subsequently returned as invalid user. I asked my XXXX for help so with my authorization my XXXX contacted the branch XXXX Ms XXXX by email. The email indicated that the branch manager is on vacation with a return date of XX/XX/XXXX. Subsequently I called and left the message for call back and none came. My XXXX  also called and the calls were not returned. 
It is very strange that if someone calls the bank and a person within it, the Citibank staff completely ignores it pretending that the issue didn't exist. 
I respectfully ask Citibank to honor the terms of the offer since the branch 's staff feels it can ignore customers.
Consumer complaint received 2022-07-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I recently checked my credit report and noticed a lot of activity that was not authorized by me. I wanted to apply for a business loan and the lender brought so many things to my attention regarding my credit. that's when I noticed inquires from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX All these hard inquires were not authorized by me.
Consumer complaint received 2019-07-13
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

This account was deleted and its should not be on my credit report I am requesting that it be removed permanently wiped off my credit bureau report with XXXX XXXX and XXXX. I have proof that this account was deleted and now theres a duplicate that I would like deleted from all 3 major credit bureaus.
Consumer complaint received 2019-07-13
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. (IL)

I have contacted Experian & let them know that the account from XXXX XXXX does not belong to me. I have submitted a previous complaint against this company for reporting incorrect information on my credit report and they continue to report this information. I this is a fradugelent account & I have no idea who opened this account.
Consumer complaint received 2020-02-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

I opened a checking account with Union Bank on XX/XX/XXXX, using a promotional brochure promising to deposit {$200.00} into my account 100 days ( after date of opening account ) if I had a direct deposit ( of {$500.00} or more ) within 60 days of opening the account. My direct deposit ( monthly Social Security payment ) when through on XX/XX/XXXX -- and again on XX/XX/XXXX and XX/XX/XXXX. My account is current and in good standing. I have had no overdrafts. 
I have been assured that I have met the criteria to receive the {$200.00}, but I have not received it. It should have been in my account on XX/XX/XXXX. No one at the bank can tell me when it will be deposited. This situation violates the terms of the promotional agreement.
Consumer complaint received 2019-07-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (TX)

On or about XX/XX/2019 I applied to QL over the phone to refinance my mortgage. They determined the value of my home to be $ XXXX and charged me {$500.00} for an appraisal which I paid. A few days later an appraiser appraised my house at $ XXXX. QL contacted me and stated the appraisal came in under market value. According to QL since the appraisal was under $ XXXX I would now have to bring more money to the closing. I would have to bring $ XXXX more than the $ XXXX Good Faith Estimate. I cancelled the process and requested a refund of the {$500.00} appraisal fee. QL refused to refund the appraisal fee. QL didnt tell me verbally or otherwise that specific conditions were associated with a refinance appraisal in this particular situation so I did know the risk. I dont recall ever being notified that I could lose my appraisal fee if the appraisal came back under market value and I chose to cancel the refinance process. This is a loophole that is detrimental to the homeowner.
Consumer complaint received 2022-07-20
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. (FL)

I ordered a copy of my report in XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check the following accounts because believe they were reporting in error. 

XXXX XXXX XXXX XXXXXXXX Balance : {$15.00} XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX Balance : {$660.00}
Consumer complaint received 2019-07-13
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (PA)

In XX/XX/2015 I processed an additional deferment with AES. Oddly, after processing the deferment with AES I began receiving late notices so I contacted them again and they corrected the issue ; however, they never fixed my credit report which is preventing me from buying a house.
Consumer complaint received 2019-07-13
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)

This account was deleted and its should not be on my credit report I am requesting that it be removed permanently wiped off my credit bureau report with XXXX XXXX and XXXX. I have proof that this account was deleted and now theres a duplicate that I would like deleted from all 3 major credit bureaus.
Consumer complaint received 2023-10-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: AXOS FINANCIAL, INC. (CA)

On XX/XX/XXXX, I initiated a wire transfer for $ XXXX from Axos Bank. The recipient, XXXXXXXX XXXX, would not let the recipient have the money, so on XX/XX/XXXX, I recalled the wire transfer. I called Axos Bank many times and they said they had not heard from XXXX XXXX  and to wait 20 business days to check if the wire was returned. On the 21st business day, I again called Axos and they stated they would call XXXXXXXX XXXX  and to check back in 24 business hours. When I called them back, they said they still had not heard from XXXX, so I filed a complaint with the OCC and received an email from the OCC with a letter from Axos stating they had heard from XXXX and on XXXX XXXX. Per AxXXXX, on that same day XXXX requested a Hold Harmless Letter and they had no date of when that letter would be sent to XXXX. 

Once I received the letter on XX/XX/XXXX, I called Axos to see what was happening with the Hold Harmless Letter and they told me it would go out on XXXX XXXX. I called on that day and was told it would not go out until the XXXX. 

The morning of the XXXX, I received an email that they were closing my account per their Deposit Account Agreement. I have called them twice asking why my account was closed, but the agent just stated what was in the email. 

I was told in the email that they would still work on reclaiming the wire funds requested and the money mailed to me once received. Today, I called to speak to a manager and they stated it would take one to two business days for them to call me back. 

Part of this money is so my fianc can pay his hospital bill in XXXX, so he can come home. He has been waiting over two months for this money and both Axos and XXXX have held on to this money for no reason.
Consumer complaint received 2019-07-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION (NY)

M & T Bank is using escrow ( Tax, and Insurance ) tactic fabricate default of my mortgage, while increasing my monthly mortgage payment from {$860.00} to {$910.00} ; A the same time M & T Bank has refunded escrow excess of {$980.00} within the past 12 months. M & T Bank also claim that I have a default mortgage balance of {$2700.00}, given the fact that I have consistently made mortgage payments of {$870.00} for the past 15 months. I've called them about this discrepancy, and they continue to ignore my inquires while saying its due to changes in my Taxes and Insurance. I vehemently disagree, my real-estate Tax does not change given the fact that I have 20 year Tax abatement with the city of New York ; I currently on year 13 of that tax abatement. In regards to Insurance, I have sent evidence of my home owners and condo insurance to M & T several times. Mortgage premium and the default increase is unfounded ; I have express this to M & T but rudely treated with collection tactics and told to pay excess amount.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: FORD MOTOR CREDIT CO. (PA)

On XX/XX/XXXX Form Motors responded to my dispute with incorrect information and no documentation. Dispute # XXXX. 
As a result of Fords misinformation, my case # XXXX was closed with inaccurate information and no documentation. 
My lease was signed and extended 2 months. Not only did Ford incorrectly repossess the vehicle, but they are continuing to report inaccurate information on my credit report which has caused me to be denied housing.

A police report was also filed.

This issue was addressed in court & after reviewing documentation the Ford attorney apologized to me for the error and the judge awarded in my favor. 
I am attaching a copy of the judge 's decision on XXXX XXXX, XXXX. For 5 years Ford has caused me damages and has refused to correct it. 
Thank you in advance. 
XXXX XXXX
Consumer complaint received 2019-07-13
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. (DC)

In XXXX I was a victim of identity theft. Since that time I have been attempting to remove all fraudulent accounts that do not belong to me from my credit report. Equifax continues to report accounts that were opened fraudulent in my name and without my consent. I have disputed the accounts multiple times and none have been removed. Rather, Equifax claims that the creditors are verifying the information as accurate. However, I know this to be untrue because I have received at least two letters from two companies advising that they performed an investigation and have closed the accounts due to fraud ( XXXX and XXXX ) however Equifax claims these companies verified the reporting as accurate. I have disputed collection accounts including XXXX XXXX XXXX which XXXX and XXXX have removed however Equifax refuses to remove the derogatory information. Additional accounts that were fraudulently opened but remain on my credit report include : a car loan to XXXX XXXX XXXX ; a loan with XXXX XXXX ; and a credit card issues by XXXX XXXX. I disputed these accounts multiple times including XX/XX/XXXX and Again in XX/XX/XXXX and most recently in XX/XX/XXXX, yet the derogatory information along with the fraudulent accounts remain on my Equifax report. I have never received the results and I only found out that they were not resolving my disputes was by checking the report and calling and spending hours on the phone as opposed to receiving written communication with the results. Also, Equifax continues to report the wrong address. I have requested multiple times that this be updated because they are not able to verify me by my current address which has made this whole process even more difficult. Instead, Equifax put a personal statement on my credit report that states " PLEASE UPDATE ADDRESS ''. It doesn't even make sense that that would be on these but it is and I want it removed and my address corrected. This is not fair and it having a very negative impact on my finances.
Consumer complaint received 2021-02-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (FL)

I have both a checking and savings account with B B & T Bank and my combined totals should be over {$13000.00}. My statements do not reflect my actual balances and when I have gone to the branch to complain, my requests for an accounting have been ignored. 
the acting manager " XXXX '' has refused me access to my funds and I now have been charged hundreds in bounced check fees and late fees when I have more than enough to cover my payments. If it wasn't for my having some cash at home to buy money orders, my bills would not have been paid. 
My account has been frozen and I can't even access an ATM. My monthly Social Security check goes to my checking account and I'm not getting any help from the bank 's customer service department. Can you please help?
Consumer complaint received 2019-07-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (NH)

On XX/XX/2019, I noticed a service fee from Flagstar Bank pertaining to a payoff request for which the customer service dept. is unable to tell me who made the request. 

Please note - my loan servicing was transferred to this company about one month after I closed with XXXX XXXX company for which I already paid loan payoff fees with a different lender for which I can understand. 

I have had my mortgage servicing transferred several times in the past of owning a home, but have never been charged a payoff fee when a new service takes over sending the bill. 

I called XXXX to inquire about this practice and they said I should not be charged a fee when servicing is transferred. 

My goal is to find out who ordered this payoff request and to stop Flagstar from charging servicing fees for mortgages they service and to refund this charge to my account as well as have charges brought against them by the appropriate organization for penality.
Consumer complaint received 2018-02-02
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Grant & Weber (CA)

XX/XX/XXXX2018 : I called to inquire about a collections amount on my credit report. XXXX XXXX was whom I spoke with. He refused to tell me the original amount I owed, and whom I owed the money to. Thus, refusing to validate the debt. XXXX also informed me that his company does not own my debt and is just collecting on behalf of the original business. The way they make their money is from the interest on the debt. If they do not own my debt, how can his company charge me interest? Seems fraudulent to me. I was told that he could not provide me with the details of my original debt because medical records do not have to be held for the amount of time that has passed. XXXX became angry when I began to question his reasoning. He then told me that he indeed knew who I owed money to, but he wasn't going to tell me because he didn't want to, and he doesn't have to. These people should not be in business. They are clearly extorting people out of their money and threatening them with a big mark on their credit score. People will pay these thugs because they don't know any better. I need this off of my credit score completely ; like it never happened. It is upsetting to know that this company has access to my social security number. I appreciate any help I can get with this. Thank you.
Consumer complaint received 2019-07-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

Date is every month that I have a problem with PHH ( XXXX ). I have a loan serviced by PHH. A 15 year loan with 6 more years left. It is paperless billing with PITI info on PHH 's website. The problem is I can never access the website without difficulty. ( i.e. username/password don't match ; of course they do, and, also, I get a notice on PHH 's website that I DO NOT have a loan with PHH, again, of course I do. 
Today is XXXX-19, I called at XXXX XXXX., and have been on hold for 52 minutes ( the call center 'help ' opens XXXX est M-S. 
Every month I go through this, for 9 years. EVERY month. I can not access my billing statement, escrow info balance or monthly payment information. 
I CAN NOT access my account with this company, nor is it easy to contact them.
Consumer complaint received 2019-07-13
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. (WI)

XX/XX/XXXX went to XXXX ride to cosign for a car loan and when my report came back there was an address ofXXXX XXXX XXXX XXXX XXXX, WI have never lived at this addtress. 
Also listed was XXXX XXXX and i never took out a loan.