davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-07
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: CNG HOLDINGS INC (MI)

XX/XX/XXXX, I had purchased items under a lease, XXXX XXXX was advertising 90 days same as cash at XXXX XXXX. I authorized verbally and documented company to withdrawal and set up bi weekly payment plan for the account to be paid in full on XXXX XXXX XXXX via lease agreement. So the company automatically withdrew payments bi weekly until XX/XX/XXXX for some odd reason. The checking account or any contact info hasn't changed still to this day. The company failed to notify me of delinquency or why they failed to withdrawal of payment which the last payment that was automatically set up to pay this account in full would occur on XXXX XXXX XXXX in the amount of {$170.00}. When i called XXXX they wouldn't discuss any information on account and directed me to a collection company called XXXX XXXX XXXX. I mailed certified request of validation of debt which was returned and trying to get this resolved since XX/XX/XXXX and have came to no resolution. I've disputed several time to the 3 major credit bureaus and nothing has changed nor any information on this on why it was delinquent for the amount shown on my credit report. I couldn't get a hold of XXXX XXXX XXXX, and left several messages with this creditor. Still no response. Tempoe breached their own contract, failed to notify of delinquency, returned request of validation, and never flagged the accounts during disputes. Reported amounts 11 times greater than the account owed, but due to the negligence on the company not abiding by their contract/ lease agreement which there's a clause for same as cash purchase to be withdrawled which should of been XXXX XXXX of XXXX failed to take the last payment so this purchase/ lease agreement would exhaust. They decided to ignore my concerns and harass me by putting it on my credit report which is not enabling me to purchase a home. I have went on XXXX website to find out who to submit a complaint to which is XXXX XXXX, which i emailed today. I just want this off my credit report as collections and hoping they will resolve this within 28 days ...
Consumer complaint received 2022-07-22
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (OH)

On XX/XX/22 I received notification there was a new inquiry had been opened on my credit report for Nordstroms. I did not apply for this account/credit card. I contacted the Fraud Dept through XXXX card and they put a fraud alert on my credit reports. On XX/XX/22 I contacted Nordstrom and they closed the account and opened a fraud case on their end. I have been instructed to file a complaint with the FTC or local police department.
Consumer complaint received 2020-07-30
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (TN)

On XX/XX/XXXX I began the refinance process with XXXX XXXX with NewRez. All responses with XXXX were super quick. Around XXXX the house appraisal was available for NewRez and myself. On XX/XX/XXXX, I received an e-mail from XXXX XXXX advised that my loan had been approved and we could continue. On XXXX, I received an e-mail from XXXX XXXX XXXX XXXX advising that I need to provide an Engineering Certification. This was provided to them on XX/XX/XXXX along with some additional things required. I attempted to call & e-mail XXXX between the XXXX and XXXX multiple times with no reply. On XX/XX/XXXX I e-mailed XXXX to follow up and see what I needed to do. At that time, she advised that my closing date would be the XXXX and sent paperwork for me to sign. I never received any communication that we were not going to close on the date given to me. I received no response from XXXX and e-mailed XXXX again on the XXXX. She advised that she was going to e-mail XXXX and his manager.  After receiving no response again, I reached back out to XXXX again on the XXXX and did not receive a response from her either. I had several questions regarding my loan which appeared to be the hold up. 
On XX/XX/XXXX, I filed a complaint with NewRez late in the afternoon, I do not remember the agent 's name who I spoke with but she was extremely helpful and understanding. To my surprise, I received a phone call from XXXX and XXXX on XX/XX/XXXX. I spoke with XXXX on the 2nd and she was helpful on straightening out the applicable property county assessor issue we had. She advised that XXXX was out until the following Monday but that he would finishing closing the loan once he was back. 
I received an e-mail from another processor in XXXX requesting bank statements. I uploaded them and have not heard anything. On XX/XX/XXXX I e-mailed XXXX requesting a cancel on the refinance. The same day he advised that he sent the request up to processing management. I followed up on XX/XX/XXXX and as of XX/XX/XXXX have received no response.
Consumer complaint received 2020-07-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I recently sent letters over 45 days ago to the credit bureaus and they are disregarding a regular consumer dispute. I am stressed and have been sending letters before this and i still have not received no response. 

Today XX/XX/2020 i am reaching out to the bureaus again but this time i am also filing a complaint with you guys since i have not got any correspondence back from them. Hopefully you can help me get this matter under control. This is blocking me from opportunities. I just want everything thats an error to be corrected. i will greatly appreciate your help with this matter.
Consumer complaint received 2022-03-02
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. (CA)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The EXPERIAN Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (AZ)

Simple account holder owned by BBVA, Simple service/accts/app closed, requiring Simple customers transition to BBVA on XX/XX/XXXX. During online BBVA account creation, the process did not complete. Have been repeatedly calling Customer Service # s provided by BBVA to transfer remaining funds out of BBVA/Simple and close my acct. After 15+ calls, have been disconnected or hung up on by CSRs/TSRs.
Consumer complaint received 2023-03-29
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I applied for, Again for a Pre-approval on a Property in order to be able to view, several properties, in order to be able to use an make a Consumer Credit Transaction, to purchase myself a home. After Filing a report with this agency back in, I think it was XX/XX/XXXX, Pertaining to this same agency. Bank of America, I recieved a respone letter and Call, some time after this, saying that, 'Bank of America , had, 'Pre-approved me for a Mortgage, and that I never responded. The Asociate ask me to come back in to a BOFA and reapply. I went to, XXXX XXXX XXXX, XXXX, Pa XXXX, XX/XX/XXXX. I spoke to an Asociate, by the name of, XXXX XXXX show him the response letter, showing that I I was, previously Pre-Approved, He said, that the letter doesn't mean a thing, and that bank, often send out letters like this to their customers. XXXX XXXX said he Could Not assist me, so he put me in touch with, XXXX. XXXX XXXX, in the mortgage department. XXXX XXXX said, he Could Not assist me, said my, 'credit score, is to low for the bank to assist me in getting a Pre-approval, I told him, that it is against, Federal Law to deny me an, 'Extension of Credit ' he told me, I am Not denying you, I am simply stating BOFA, Policy, because of this, he refuse give an Pre-approval. I completed the mortgage application, anyway, spoke with, XXXX XXXX on the phone, XX/XX/XXXX she told me my credit score is to low, for BOFA policy, and that she was Unable to assist me, with an Extension of my Consumer Credit.
Consumer complaint received 2022-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: INDUSTRIAL AND COMMERCIAL BANK OF CHINA (USA), NATIONAL ASSOCIATION (VA)

STATEMENT OF FACTS On XX/XX/22, I applied for the XXXX Preferred XXXX XXXX Card at the XXXX XXXX Main Branch of Industrial and Commercial Bank of China ( XXXX ) ( USA ) XXXX, which is located at XXXX XXXX XXXX In XXXX XXXX NY XXXX. At the point of application, I was told that the aforementioned card is accepted in 160 countries of the world, which is also outlined on a Web site of the bank at https : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My application for the credit card was approved due to my high credit score, and approximately six weeks after the application, I received the credit card by mail. 

During my stay in XXXX, XXXX, from XX/XX/22 to XX/XX/22, on multiple occasions, I attempted to use the credit card without any success. On XX/XX/22, I contacted a customer service of the bank at ( XXXX ) XXXX, and I was told by a customer service representative that my credit card had a system error that had to be fixed. He further explained that he anticipated a resolution of this issue within 24 hours, and he suggested to contact the customer service only, if I kept on encountering the same issue again. However, the issue was not addressed. 

On XX/XX/22, I called the customer service to communicate that the issue was not fixed, and I was told by another customer service representative that acceptance of my credit card was limited to the United States, XXXX, and XXXX XXXX only, and it would not work in any other country in the world. 


STATEMENT OF ISSUES 1. XXXX ( USA ) XXXX  was misleading in regard to acceptance of the credit card. I was told that the credit card was accepted in 160 countries of the world, which was also listed on the Web site of the bank. In reality, according to the customer service of the bank, the credit card works in two countries of the world ( the United States, and XXXX ). 

2. Based on my personal assessment, the bank is involved in unfair practice of limiting acceptance of its XXXX  credit cards that are issued to non-XXXX  customers of the bank with the purpose of discouraging non-Chinese Americans from applying for XXXX XXXX XXXX XXXX XXXX ( USA ) XXXX. This practice constitutes a highly XXXX business practice that discriminates customers of the bank, based on their XXXX origin.
Consumer complaint received 2022-03-02
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. (FL)

I sent a letter to TransUnion in regards to XXXX XXXX XXXX XXXX I have not heard back from TransUnion or XXXX XXXX XXXX this debt is not mine nor one of the company can verify this information with my signature on any document. This other letter has been delivered to both TransUnion XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-03-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Lendmark Financial Services (VA)

My monthly payment was coming due on XX/XX/22, and I called Lendmark Financial several days before the due date ( around XX/XX/22 ) to let them know I was out of work because of a family XXXX emergency, and I was requesting help. I knew I would not have income to make a payment. 
The agent said she could submit an extension request to help, and would follow up with me the next business day after talking with a manager. 

Nearly a week later, after the due date, I get a rather curt phone call from another agent demanding my payment. Clearly she had NO knowledge of the previous phone call, the information I provided, or the offer of help via an extension. This agent didn't offer an extension at all, but said would send another form to me by mail. There was NO explanation about this form, what to do with it, how to fill it out, how it would affect my account or what it would do for me. After several days another call came and I hadn't received the form yet, so it was emailed to me, again with ZERO explanation about the form or what it would do for me. I told the agent I could try to make a payment but my account was overdrawn because I was out of work. ( I did try to submit a payment and my bank rejected it ). Three hours later I got another call from same agent who was very rude, unhelpful and unprofessional stating I promised to make a payment ( which I did not ) and she hung up on me without any other help. 

I completed the emailed form and sent the information to Lendmark. I received an automated message that the matter was " closed '' and upon logging into my account, there are no notes, messages, updates or any other information about the matter to let me know what's going on with my account or the form/information I submitted. My account still shows a past due status and late fee. I was never advised of any possible fee either. 

Clearly, my account is not documented when making contact with agents at Lendmark, information is not followed up on, and requests are ignored by staff.
Consumer complaint received 2022-03-02
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. (GA)

After reviewing my credit report, I am dissatisfied to see the following items that are still showing up in there, despite the fact that I have informed you that they are inaccurate and detrimental to my credit score, and they can still be seen in there, which is causing me to become increasingly irritated.
Consumer complaint received 2020-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BMW Financial Services NA, LLC (CA)

I was a victim of a crime and submitted a few times the letter from the district attorney and restitution order from the court. BMW has charged off these amounts and closed these accounts. I got an alert from XXXX that there was changes to my credit report. They were contacted by me in response to a letter I just got where by I had asked for the 1099-C 's for both the accounts and was told I would get them if they could not collect. It is almost two years and no they a n't collect and are aware of it. They need to send the 1099-C 's and XXXX out the accounts. Instead of doing this they are now reporting late payments well after these accounts were closed well over a year ago and should not be reported as currently late, As a charge off they get paid from insurance and of course, the cars were either resold or re-leased. I will attach the two letters saying I would get a 1099-C and yet they are not responding to this request so that they can keep a past due balance on the account and now are even reporting late payments ona closed account.
Consumer complaint received 2022-07-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (IL)

As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. 
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
FURTHERMORE, the above consumer DEMANDS the following below : Account Name : XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX
Consumer complaint received 2021-03-05
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. (WV)

Equifax has negligently failed to report my credit accurately or report information provided to them creditors by : 1 ) failing to delete the record of default as instructed by the department of education rehabilitation services 2 ) overstating the total debt listed on my credit report by doubling my total federal student loan debt 3 ) failing to fix a problem created internal to equifax despite the creditor reporting the correct information to equifax 4 ) failing to have a procedure in place to confirm that the information reported to them by the servicer or creditor matches what they are reporting as per my credit report and factored unto my credit score 5 ) failing to fix a problem that equifax caused internally and instead treating the problem as a dispute with a creditor instead of as a complaint directed specifically at equifax 6 ) training or allowing multiple agents to lie or facilitate lying on the phone as evidenced by multiple agents of equifax denying that equifax committed an error despite admitting such errors prior to denying them 7 ) double reporting 8 federal student loans as 16 or more separate federal student loans 8 ) failing to correct the drop in my credit score attributed to their errors including but not limited to misclassifying open loans as closed and failing to delete the record of default on rehabilitated federal student loans despite being directed and provided proof of such by the servicer a month prior to my score dropping by 58 points ( equifax score only ) 9 ) failure to reconcile federal student loans as being one in the same loan simply because the account number changed when the servicer changed despite easily being able to identify each duplicated loan as the loan amount is the limit amount and date of the loan being the date reported being the date the loan was issued or first reported The above problems were not handled, present, or encountered with regards to XXXX or XXXX. These were specific to Equifax which has still failed to compensate me for the 2017 breach.
Consumer complaint received 2023-03-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC (OH)

*** Original complaint, sent XXXX to incorrect company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) *** Mortgage Company ( FLAGSTAR ), We were engaged in the selling/short sell that change to a foreclosure without any apparent reason? We were not allowed to email and information and kept having to re-fax the same information over and over, until they stated it was too late? They always said " they never received the information and gave us numerous fax numbers. We sent the short sell contract to them, address changes ( divorce ) and kept showing and maintaining the property all the while. Next thing, we find a foreclosure notice, locks were changed on the home ( with furniture still inside ). The recovery company ( new locks ) kept sending the keys to some other address, then we got a Sheriff 's Sale notice. We're not able to get our furniture and now, this is preventing me and my new wife from getting a loan. This was during a low point in my life ( divorce ) and I just did think anything could be done. Although, by the grace of God our current mortgage told us about you and that I may be able to get some sort of justice. I am just trying to fix my credit and life. Please, let me know what can be done. I want it removed totally, if at all possible. God Bless and thank you, so much in advance for whatever you can help us with. XXXX XXXX XXXX # 2 Mortgage Company ( FLAGSTAR ), We were engaged in the selling/short sell that change to a foreclosure without any apparent reason? We were not allowed to email and information and kept having to re-fax the same information over and over, until they stated it was too late? They always said " they never received the information and gave us numerous fax numbers. We sent the short sell contract to them, address changes ( divorce ) and kept showing and maintaining the property all the while. Next thing, we find a foreclosure notice, locks were changed on the home ( with furniture still inside ). The recovery company ( new locks ), kept sending the keys to some other address, then we got a Sheriff 's Sale notice. Were not able to get our furniture and now, this is preventing me and my new wife from getting a loan. This was during a low point in my life ( divorce ) and I just did think anything could be done. Although, by the grace of God our current mortgage told us about you and that I may be able to get some sort of justice. I am just trying to fix my credit and life. Please, let me know what can be done. I want it removed totally, if at all possible. 
God Bless and thank you, so much in advance for whatever you can help us with. 
XXXX XXXX XXXX
Consumer complaint received 2022-07-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (PA)

We received a rebate in XXXX because we had an escrow surplus. The mortgage company made a mistake and in XXXX we had a {$5300.00} escrow shortage. We paid {$2700.00} cash plus our monthly payment increased {$220.00} a month to remedy the situation. We now have an escrow shortage again in XXXX. Our monthly payment has decreased, but the fact remains this company has poor accounting and Im growing curious where the money is going if its not taking care of our mortgage. We have a fixed rate mortgage, but our payment has been anything but fixed. This company is breaking our contract.