davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-12
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. (AL)

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 719XXXX 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 XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2020-07-17
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. (LA)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2021-03-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Better Mortgage, Inc. (MD)

I applied for a mortgage refinance with Better Mortgage on XX/XX/XXXX and received a loan estimate with a lender credit of {$3100.00}. I paid {$550.00} for an appraisal on XX/XX/XXXX in order to receive a rate lock. At the time of the application on XX/XX/XXXX, I provided an estimate of the home 's market value that had a loan to value ratio of 81 %, which meant PMI was part of the loan estimate. The home appraised a higher value bringing the loan to value ratio below 80 % and the PMI was rescinded from the loan estimate on XX/XX/XXXX. However, the lender 's credit decreased to {$450.00} on the revised loan estate from XX/XX/XXXX with no explanation from Better mortgage. The estimated closing costs increased over {$3000.00} despite no significant changes in circumstances occurring.
Consumer complaint received 2021-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (DC)

In XXXX I charged two transactions ( both deposits for my wedding reception ) at the XXXX XXXX in Washington, DC to my XXXX XXXX Citi Advantage Card. The first charge was made on XX/XX/XXXX for {$5400.00} and the second charge was made on XX/XX/XXXX for {$5400.00}. Due to COVID I was unable to hold my wedding reception ( scheduled for XX/XX/XXXX ) at the vendor location, and so on XX/XX/XXXX the vendor processed the refund in full back to my credit card for both of the aforementioned charges. The vendor has provided me a paper trail supporting that they processed the refund, as their documentation included the first four and last four digits of my credit card, my name and the correct refund amounts ( there was also one other refunded charge to a different credit card with XXXX XXXX, and I received this back to my credit card almost immediately ). Unfortunately these two refunded charges never showed up on my Citi Advantage Card, and so Citi advised that I initiate a dispute for both charges. I opened up two disputes on XX/XX/XXXX, and Citi has yet to resolve this issue. I have provided Citi with the refund documentation provided by the XXXX XXXX, proving that the refund took place, but Citi will not resolve my issue and each time I call Citi to inquire about the status of the dispute, I receive different information that contradicts what the last person told me. Citi is, in effect, stealing nearly {$11000.00} from me. Moreover, I wanted to cancel this credit card to avoid the annual fee of {$99.00}, but was unable to do so for fear that I would never receive my money back. This back is horribly non-responsive and I will never do business with them again.
Consumer complaint received 2021-03-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MA)

LoanCare took over my loan in the middle of forbearance and I can not get in touch with them through phone or internet. They charged a late fee and I need to make sure I'm out of forbearance and I there is no phone or internet option that gets through. The phone has had me on hold for 30 minutes a couple times and hung up. The internet asks for my information and will not move forward saying that my social security # is incorrect. There is no contact option other than mail. There should be phone, internet chat and internet options to communicate and there are none. I'm trying to refinance my home and can not because LoanCare will not communicate.
Consumer complaint received 2020-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There is a collection company after me for a debt from a hospital. I received a letter fom them and the letter says that I owe {$91.00}. I paid XXXX already. They sent a false information to the credit bureau stating that I owe {$150.00}.
Consumer complaint received 2018-02-25
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Navient Solutions, LLC. (NY)

Navient took my taxes for XXXX  to repay a Debt however in XXXX they did not touch my Taxes they did in XXXX. I was never notified of this occurring. Only when I didnt receive my taxes that i had to do my own research to find out where the money went. Also Im XXXXyears and a member of XXXX do i qualify for my taxes not to be touch. I also check on Navient web page, I logged in at it stated a XXXX balance. I feel that the student loan should not take all of money. I have a family to take care of. Also what is the statue of limitations on a loan.
Consumer complaint received 2018-06-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (OH)

I applied for Income Driven Repayment Plan and have repeatedly stated that my statements have been submitted in time and they will not acknowledge their error in not updating my account on time and that they lost my submissions. They refuse to update my acocunt and keep claiming they can not because it was past the deadline, despite it being submitted before the deadline. They did not let me know it was never received and told me all I needed to do was submit my income and it would be updated. Their company is deceitful and refuses to take accountability for their end of the financial agreement. I sent in all documents on time, it was the companies fault. They will resolve my account or further action will be taken. I have repeatedly and clearly stated the issue and that it was their fault. I submitted everything on time. They lost my fax. They should not advertise that you can sbmit via fax if they will not follow through.
Consumer complaint received 2017-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I had a car loan with  XXXX   XXXX   XXXX , in   XX/XX/XXXX  t he car was totaled and the insurance company was to pay the car in full, The insurance co forgot to mail the payment to  XXXX  causing additional fees.  XXXX  received t he payment in  XX/XX/XXXX .Wh  en  the payment was applied to the account I did not receive a payoff letter on a bill showing the balance and no payment due. This has gone on for a few months until I called customer service to find out why I was still receiving a bill. I was told that the payoff balance was short and I explained how can that be when after the insurance company sent a a payment plus I sent an additional {$420.00} to close the account.     For several months a tried to get this resolved, I was told by several customer service reps that  XXXX  does n't mail out payoffs and that 's when i filed a complaint with the better business bureau.       XXXX   poor business practice has errouneously reporte d incorrect information to the credit bureau. My account should have been paid ahead until the issue was resolved. I filed a complaint with the credit bureau, my account was reporting 60 to 90 days late,   XXXX   being spiteful replied that the issue is resolved and now changed the account to 90 to 120 days late.
Consumer complaint received 2021-04-22
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (FL)

Problem Company : LoanCare , LLC is a XXXX XXXX and indirect subsidiary of XXXX XXXX XXXX, Issues : - deceptive practices including changing stories, lying, tell customers that they've accepted certain contracts or changes when they haven't - constant and repeated delay practices including failure to process documents, refusing to acknowledge receiving documents, excessively long hold times and hanging up on customers so they have to start again - unwillingness to respond or communicate in a timely manner - repeated failure to meet deadlines set by themselves
Consumer complaint received 2020-10-14
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Asset Management Outsourcing, Inc. (FL)

I had incurred a debt after a visit to the ER. I was unable to pay the debt for quite some time as I was a college student making very little money. After I saved up I made a payment arrangement in regards to this debt and made a total of 3 payments before not being able to continue payments. I made a payment of {$50.00} on XX/XX/2015, {$100.00} on XX/XX/2015, and {$100.00} on XX/XX/2015. I called 2 years later to settle this debt and found out that the amount paid had not been included in the total balance.
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Remain on my Consumer Report Both are inaccurate inconsistent. 
Non Public personal information
Consumer complaint received 2021-03-01
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: American Collections Enterprise, Inc. (MD)

XX/XX/2021 American Collections Enterprise , Inc XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Va XXXX XXXX Amount Due {$390.00} I've gotten spam calls from this company and finally called back to see what can be done and get information, First few times XXXX hung up .... 
Tried calling again on information about this debt and XXXX wouldn't answer any of my questions. I didn't feel comfortable giving my social over the phone and she proceeded to say well then I cant help you, figure it out yourself. I told her my insurance said they covered the cost and she said not her problem.She was very hostile and rude. I hung up and called again to speak to another representative by the name of XXXX who didn't care what I had to say and said I'm not comprehending anything. I said well I need information and a statement sent and she said no. I said why are you being rude and not listening to me and she cut me off again ... .. I said well then I guess I wont be paying this debt and she threatened me and said well every time you look at your credit we will bring down your points. I got so upset I started crying. She made me feel so uncomfortable and made me feel stupid. I asked her repeatedly to speak to someone else and she said no no no sorry I'm the manager you need to listen and pay off your debt. Honestly I don't want these people calling ever again and want to work with someone else. Their reviews are horrible and nothing is being done. I also had said I didn't have a job and my dad is helping me pay this. XXXX said the best I can do is take XXXX off. I said well all I have is XXXX she said well you need to tell your dad to pay the XXXX or I cant help you. When I called and told XXXX she said you need to pay full amount there is no XXXX dollars off. get a job then you can pull amount XXXX. I just don't understand. They say conversation is being recorded .... so then someone needs to hear their recordings because its just plain nasty how they are.
Consumer complaint received 2017-02-27
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I recently opened a new checking account with Bank of America and the application was approved on the XXXX. I updated my employer direct deposit information with this new accounf information. Bank of America proceeds to close my account, with no notice on thursday. I had to call in thursday evening to find out that my account was closed and was not provided with any information. The only reason I found out was that I got a low balance notice, I logged in and checked my balance was XXXX and there was a pending {$25.00} debit. When speaking with a customer service rep I was transferred to XXXX and told my account was closed. When I found this out I checked to see if could change my direct deposit information back to the old account I had and it was too late to do this. So will be without my paycheck for at least a week while I wait for Bank of America to reject the direct deposit and my employer to receive the refunds and redistribute them to me, this is a horrible inconvenience since I 'm relying on that paycheck to take care of my rent and bills due on the first of the month.
Consumer complaint received 2021-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Transunion has been reporting that my XXXX score has gone done since XX/XX/2020, due to delinquencies. As a result, the agency has reported a continuously lower score than it reported in XX/XX/2020. At that time Transunion reported my FICO at XXXX. The last score it reported ( last month ) is XXXX. 

The document that is attached shows how Transunion continues to report my score as declining, based on delinquencies that do not exist.
Consumer complaint received 2020-11-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (MA)

I missed a payment because I was hooked up to a XXXX in the hospital with XXXX XXXX. 

I have called the lender and detailed the situation several times. They have said that I don't qualify for forbearance or a good faith forgiveness. However while I was in the hospital hooked up to a XXXX  there was no way I could make payments. 

Since the missed payment I have continued to make all other payments timely. 

The lender ( Chase ) has essentially told me too bad and that they do not care about their customers. 

XXXX was very hard to beat however I beat it. And It is not right that now My credit score is 140 point lower than it used to be and I can't qualify to buy my family a house. 

The attached document shows a due date change that I made the payment by. Not only are the falsely reporting I was late but they also won't acknowledge that I was sick. Heartless ...
Consumer complaint received 2021-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NV)

I have been disputing with the bureaus since XX/XX/XXXX, some inquiries that I never approved of, and obviously did not obtain credit for. The bureaus did not delete the inquiries, nor did they respond within the 30-day timeframe that they are supposed to respond in. On XX/XX/XXXX I sent another letter to each of the bureaus, demanding they delete the inquiries that I did not authorize. It has been a total of 119 days and today is XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Consumer complaint received 2016-07-01
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (MA)

I was attempting to attend XXXX in 2007. I was told I qualified for financial assistance. I was not told that it was student loans. There were many papers I was told to sign but I did n't fill any of it out, just told that they were all for administration. Now I have received paperwork for a private loan I did n't know I had that XXXX had taken out in my name for classes that were not attended. I had consolidated all of the loans that I was aware I had from Sallie Mae into the XXXX program. Now I am being sued for a loan I had no idea existed. I called the company holding the debt now and I have n't been able to find out when the loan went into default. I only have the original application that was n't filled out by me. Now this lawyer 's office wants me to come up with a pay off amount of over {$4500.00} in order to stop the process of them suing me. I do n't have that kind of money for a loan I did n't know existed.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2020-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

As a form of retaliation, Bank of America closed 2 longstanding credit card accounts abruptly following an unrelated complaint related to Bank of America 's credit line increase practices. Bank of America 's treatment of after 16 years with excellent credit is criminal. Retaliation from Bank of America against its customers for filing a complaint against Bank of America can not be tolerated.
Consumer complaint received 2017-07-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Our client has been attempting loss mitigation with Bank of America ( BOA ) for several months now. However, Bank of Americas conduct has been in violation of servicing laws and standards as more particularly described below. REFUSAL TO OPEN LOSS MITIGATION REQUEST / MAKING MISLEADING STATEMENTS On XX/XX/XXXX, we submitted a request for ongoing loss mitigation with a copy of the listing agreement to BOA. Despite receiving said request to open a loss mitigation review, BOA failed to open a loss mitigation file for our client in violation of servicing guidelines.
On XX/XX/XXXX, we contacted BOA regarding the status of the short sale review and spoke to XXXX ( a BOA representative ). XXXX informed us that there was not an active loss mitigation review showing in BOAs system. He further stated that the XX/XX/XXXX letter was ignored by BOA because it was not submitted through XXXX ( BOAs short sale system ) however, we were never asked to submit the documents through XXXX. BOA was provided with the proper documentation to open a loss mitigation review, but failed to acknowledge the loss mitigation request and failed to open the review even though it was acting in direct violation of federal and state guidelines. BOA has failed to comply with federal and state rules and guidelines relating to servicing and foreclosure by failing to provide loss mitigation assistance when requested, and instead moving forward with foreclosure. DID NOT RECEIVE NOTICE OF FORECLOSURE SALE During that same phone call, we were verbally informed that there is a foreclosure sale scheduled for XX/XX/XXXX. As of XXXX XXXX, 2017, neither our client nor us had received notice of the scheduled foreclosure sale. BOA is required by N.C. law to properly serve the borrower ( or the borrowers attorney ) of an upcoming foreclosure sale. BOA is in violation of N.C. law. Although we did eventually receive an Amended Notice of Foreclosure Sale on XXXX XXXX, 2017, neither our client nor us ever received the original Notice of Foreclosure Sale.
Consumer complaint received 2020-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The Law Offices of Mitchell D. Bluhm & Associates (FL)

There is a collection company after me for a debt from a hospital. I received a letter fom them and the letter says that I owe {$91.00}. I paid XXXX already. They sent a false information to the credit bureau stating that I owe {$150.00}.