davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-16
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: SUN WEST MORTGAGE COMPANY, INC. (CA)

complaint against : Sun West Coast Mortgage XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX Ca XXXX Upon moving into the home we have noticed or had issues that was not listed in inspection and appraisal documents. These issues have cost my family over XXXX dollars. We purchased the home and was never told about the fire hazard with a sliding door not being able to open. We also have a gas fire place that the previous home owner told me he dont know if it works or not. We had to cut down trees, we had a second floor leak and all of these problems where within a week or two of us moving in. I hav documentation of these issues along with invoices. I spoke with the company on numerous ocassions and they have not tried to help me. I told them that FHA wouldnt have approved of that home with the hazards it had coming in. I also explained to them my family would had made contengencies based on the issues the home presented. But these issues was not listed in the inspection. To me it seem like he left off the things that didnt work to finish to process. The appraisal as well as the inspection was done by my mortgage company in which i feel they are doing illegal practices to benefit from higher loans for clients. Also when they got word of my complaint of my concerns I recieved paper in the mail stating I have a new company to sent my mortgage payments to
Consumer complaint received 2021-03-08
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. (LA)

XXXX ; Experian and XXXX should not be reporting each Inquiry showing on my credit report as a separate line item. ( Please see pages attached from my credit report. ) These multiple inquiries are well within the ( 14 45 ) days that is typically allowed to check different lenders and find the best loans. These inquiries are all of like kind and therefore should only be reporting as ( 1 ) individual line item. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these additional line items need to be removed and report only ( 1 ) inquiry for each. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2022-12-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION (TX)

Navy Federal restricted my bank account in XX/XX/XXXX. My auto loan was set up for automatic bill payments and its absolutely no reason my auto loan should be in a delinquent status. This restriction prevented me from registering the vehicle and listing Navy Federal as lien holder. We purchased the vehicle from my step son who is also a member at Navy Federal credit union. We have the title just dont have the funds to hey it titled, registered and add lien holder. Due to the restriction of no fault of our own it caused the auto loans interest to increase over 100 % causing more financial distress because our bank account is restricted. We have no access to online services or access to make any changes to the bank account. The monthly payment has increased and my credit has been ruin. If XXXX is the reason for the restriction and the money has always been there why do I suffer financially for their negligence in their fiduciary duties? My credit score was over 700 and its now in the low 400s all in 7 months. What took years to build positive creative has been damage to the point of no repair. This isnt legal nor ethical and I expect CFPB to actually dive in and protect me from the predatory lender. The bank account was restricted for no legal reason and all funds were verified on XXXX different occasions. XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX via their wire departments service messages. XXXX XXXX verified funds and the beneficiary and the reason for the wire and they still refuse to remove restriction. This negligence caused them to pay their own selves late since the money has always been present and we have absolutely no access to the account to make any changes or updates. They have tried to stall and make excuses for their behavior but fortunately for me I have all XXXX pages of the service messages between Navy Federal and XXXX bank. Please get them to bring my loan to a current status and update my credit report information both with all credit bureaus and internally within XXXX XXXX. XXXX XXXX has failed me.
Consumer complaint received 2020-11-10
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. (MI)

I found a lot of errors on my credit report. I asked for those accounts to be investigated within 30 days. I did not receive any response until those 30 days, and also i have not received any of those account with my signature proving that these accounts belong to me.
Consumer complaint received 2019-04-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: SUNTRUST BANKS, INC. (TX)

I traded my vehicle in on late XXXX. I had an extended warranty through SunTrust. The dealership sent the check for the remaining warranty reimbursement to SunTrust in XXXX. I called SunTrust to inquire about my refund and they informed me since my loan was closed, they send the check back to the dealer and then the dealer will reimburse me. I contacted the dealer on XX/XX/XXXX for a status and they informed me SunTrust cashed the check on XXXX in the amount of {$580.00}. I called SunTrust Loan servicing and they informed me the check was sent to dealers services and the man on the phone could not help me. He sent me to SunTrust Dealer Services and the man that answered the phone told me they only talk to dealers. I explained the situation and he said he will get is supervisor on the phone. He transferred me to a number that does not exist and I was cut off. I called back and a woman answered. I explained the situation again and she gave the supervisors direct number and said she would transfer. Again I was cut off. I tried call in the supervisors direct number and it is a number that is not in service.
Consumer complaint received 2020-11-10
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. (MD)

Called the debt collection company that appears on my credit report at the number provided. After providing the account number shown on the credit report, personnel at the company could not discuss the account with me because the account is NOT IN MY NAME. I asked why it is on my report? Personnel and a manager could not tell me anything about the account because my name is not on it. 

I then called the original creditor as shown on my report -- they could not find a delinquent account in my name. I was able to determine the name on the account is that of my sister, with a similar name. 

The debt collector acquired that delinquent account and associated to me in error and won't remove it. I have filed dispute with credit agencies and the debt company keeps reporting the information as correct.
Consumer complaint received 2020-11-10
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. (CA)

on XX/XX/2020 I 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 30 days 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 data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-03-15
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2021-03-08
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CURO Intermediate Holdings (VA)

XXXX and email was sent to my junk folder on XXXX I noticed the email while looking for another correspondence. It stated that a warrant would be issued for my arrest due to the debt owed. My social security number was listing as well as other information. I called the original loan office ( Speedy Cash ) on their fraud line because I believed this debt to already have been paid when I traded in my vehicle. They confirmed this debt was already paid and the email was fraudulent. They told me to report it through your website as well as pay attention to my credit report and bank statements from here forward since the sender had so much of my information.
Consumer complaint received 2023-03-15
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXXXXXX Balance : {$13000.00} XXXX XXXXXXXX Balance : {$160.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1000.00}
Consumer complaint received 2020-11-10
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Check Resolution Inc. (VA)

XXXX with NCR phone number XXXX has called several times to family members which is in violation of the Fair Debt Collections Practice Act. I have never received voicemails from him or the company directly, they keep contacting my family and I have to hear about it second hand. 

I have called them several times advising I do not recall owing any sort of debt to XXXX XXXX, I advised them they were in violation of the act and to ceases and desist to no avail. They continue to contact family members, use profane language and are so rude. 

My last encounter with XXXX was XX/XX/20 at XXXX XXXX EST, the call lasted 2 mins to which I was screamed at, he refused to accept the fact that he is violating the act. I advised to send the collection to my credit report to be handled there OR send me information. He refused. 

I am sick of wasting my time trying to get them to stop all communication and advised this would be the final outcome.
Consumer complaint received 2020-11-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: MoneyLion Inc. (CT)

This was a credit building loan that I paid off on XX/XX/XXXX. I was told by the company that as soon as the payment was posted, I would receive the funds from my credit reserve account with in 5 business days. They later changed this to 14 business days once my 5 business days were met. I reached out jut too see what the hold up was and was told it is just pending and it should be good the next business day. A week went by and was told it was a glitch in the system and they will adjust it. I should receive it in 3-5 business days. Then almost 3 week later, on XX/XX/XXXX twice in one day, I reached out again. The first time I was told because my membership with them expired on XX/XX/XXXX and I will have to wait up to another 14 business days. He did not even give me time to respond before he disconnected the chat. So I called them. The woman on the phone told me it was something with another company and I would have to take a 1-5 business day wait to receive my funds that were in my credit reserve. This is unacceptable. I have not received any information that is consistent. I understand COVID is going on. I work for a bank also so I understand delays with working from home and such, but this is not right to not give me any constant information. It is making me worried that I will never get the money in my XXXX XXXX.
Consumer complaint received 2016-05-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My XXXX account was discharged in a bankruptcy XX/XX/XXXX. It showed up again around XX/XX/XXXX on my credit report ( Trans Union ). XXXX reported a derogatory amount of {$600.00}. This should be removed since it was taken care of in XX/XX/XXXX.
Consumer complaint received 2018-04-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC (IL)

1 ) XXXX College account that went into collections. 

2 ) XXXX XXXX took over account and mailed letter XX/XX/XXXX for balance amount of {$460.00}. 

3 ) Account statement from XXXX showing past payments and recent payment made on XX/XX/XXXX. Which also happens to be the date this account was bought by Ability Recovery Services. Amount was for {$25.00}, statement shows balance now {$430.00}. 

4 ) Receipt for {$25.00} made to XXXX XXXX on XX/XX/XXXX. 

5 ) XX/XX/XXXX debt verification letter received from Ability Recovery Services for XXXX College account. Balance stated on letter {$460.00}. I contacted XXXX, as well as XXXX, to find out how the payment can be credited to account. It was stated by Ability representative XXXX XXXX, it would take about two weeks for the payment to be forwarded. 

6 ) XX/XX/XXXX mailed a payment resolution letter to Ability Recovery Services outlining four payments to be made that would resolve the balance of {$430.00}. 

7 ) XX/XX/XXXX received threatening letter in regards to account after two checks had already been cashed by Ability Recovery Services with my banking institution. 

8 ) XX/XX/XXXX sent letter in response to the threatening letter received. 

9 ) XX/XX/XXXX another letter sent in regards to my 'indebtness ' to the account. The last payment was delayed due to a household emergency, however, the amount stated on letter is still incorrect. It states a balance of {$220.00}, my balance was {$100.00}. 

10 ) XX/XX/XXXX last payment check and accompanying letter was mailed to Ability Recovery Services, along with a spreadsheet of check numbers and payments. Check number XXXX in amount for {$100.00} still not presented to bank as of XX/XX/XXXX, mailed XX/XX/XXXX. 

11 ) XX/XX/XXXX voicemail message received from representative XXXX XXXX at Ability Recovery Services, please see attached transcription. 

I have included all documents referenced above in the order given above. Representative stated on XX/XX/XXXX that they never received the third check, yet, I have the check image, etc cleared by my banking facility. In her message she also states that the {$25.00} was credited to my account, but then says I have to take care that amount. 

Extremely unprofessional debt collection entity and I want this resolved so that I no longer have to deal with this company.
Consumer complaint received 2022-12-14
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: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXXXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2020-11-10
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: CBC Companies, Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addressesshow tooltip buttonSelect as many as apply XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY. 

XXXX XXXX XXXX Account NumberXXXX Account TypeAuto Loan ResponsibilityJoint with XXXX XXXX Date OpenedXXXX StatusAccount charged off. {$13000.00} written off. {$13000.00} past due as of XX/XX/XXXX. 
Status UpdatedXXXX XXXX
Consumer complaint received 2020-11-10
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addressesshow tooltip buttonSelect as many as apply XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY. 

XXXX XXXX XXXX Account NumberXXXX Account TypeAuto Loan ResponsibilityJoint with XXXX XXXX Date OpenedXXXX StatusAccount charged off. {$13000.00} written off. {$13000.00} past due as of XX/XX/XXXX. 
Status UpdatedXXXX XXXX
Consumer complaint received 2020-11-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BOEING EMPLOYEES CREDIT UNION (WA)

Earlier this year I decided to join some friends for a trip to a concert, it was a last minute decision spurred by optimism and wanting to be around people again as quarantine loosened and businesses reopening. I was joining a group who I honestly didnt know much of aside from passing mention by my connection to the group who is the close friend that had invited me to tag along. Unfortunately I extended my trust in my friend to the rest of the group and the girl I was told to send money to for my ticket and lodging contribution. I sent her {$180.00} in total in two payments through XXXX XXXX, the first payment was {$80.00} for my ticket on XX/XX/2020. The second payment was {$100.00} for my lodging/ hotel contribution on XX/XX/XXXX. However this event/ small concert for I believe sometime mid XXXX ended up being cancelled due to covid concerns or restrictions, I heard about it and so I reached out to the girl to naturally ask her to send me my {$180.00} back. Another unfortunate result of my over trust was that I never got a phone number as we were in contact through XXXX where she had now blocked me, I had an email address for her XXXX XXXX but she was unresponsive. I tried futilely to ask for XXXX XXXX to help, I then called my card account bank, BECU, but I ended up losing my dispute/ claim. However I am rather unsatisfied because I was not updated or informed of any reasoning or evidence for the case decision, for a month and a half I received no news after my submission aside from the lone update that my dispute was lost and I could simply do nothing. I understand the route I had taken to end up here isnt ideal but since this is my situation, I am at the least exhausting my options due to how this year turned out and a need to scrape by until the new year where an employment opportunity awaits for me.
Consumer complaint received 2022-02-02
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MD)

My mother entered into a reverse mortgage the company ( formally known as XXXXRMS ) and now PHH Reverse Mortgage. She died XX/XX/XXXX. I entered into a Covid forbearance while I was dealing with both my mom 's and dad 's estate ( I am their only child ). I also was directly affected by Covid and a temporary lapse in employment, so I appreciate the extension which expired on Jan 26, 2022. My main intent throughout this whole process was an heir payoff. PHH scheduled an appraisal on XX/XX/XXXX. And since that time ( as of today XX/XX/XXXX XXXX EST ), I am still waiting for my heir payoff. 

Without an heir payoff or related purchase agreement, I'm not able to start my process to close on this home which begins with the bank ordering their own appraisal. I have also repeatedly requested the loan origination documents and statement from inception of the loan to date for several months. I also put this officially in email writing on XX/XX/XXXX. 

My problem is I am unable to speak to anyone directly in the XXXX XXXX XXXX. I am also not able to receive an update on the loan origination and statement documents. The house is in foreclosure. But I'm repeatedly told by customer service agents when I call that there is : " no sale date yet '', " XX/XX/XXXX '' and " XX/XX/XXXX '' and " XX/XX/XXXX '' sale dates. 

Additionally, I am concerned with the documents my mom signed and the way this mortgage product was sold to her many years ago. I remember reverse mortgage brokers knocking on her and other neighbor 's doors, calling her incessantly and telling her to not discuss her reverse mortgage options with me. These products often disproportionately target low income minority home owners which I find unscrupulous and unethical. And many don't quite understand what they've signed nor the ramifications of their decisions after their passing, which is also why I've retained legal help to get some understanding on why I've never seen the documents I've requested and what is contained within them.