davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-18
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: Guild Holdings Company (FL)

Guild Mortgage used dishonest bait and switch tactics to acquire my business, have me pay for : -Home inspection -Boundary survey -Property Appraisal -Flood determination -Second survey for flood certificate ( Per loan investor request ) -Flood insurance ( Per loan investor request ) And once we 're far along in the process they make me change the loan product to something more expensive. 

Case Timeline : XX/XX/XXXX GUILD sent me a pre-qualification letter for a Jumbo XXXX ARM loan ( 4 % rate / 5 % down ) XXXX XXXX I found the house I want to buy and I make an offer. 

XX/XX/XXXX I sent to GUILD a copy of the executed sales contract. The closing date is set for XXXX XXXX. GUILD told we can close in that date. 

XX/XX/XXXX GUILD sent me a loan estimate to sign XXXX XXXX GUILD sent me a loan estimate with the rate locked ( 3.875 % rate / 5 % down ) XX/XX/XXXX ( closing day ) GUILD was nor ready to close and asked to reschedule the closing to XX/XX/XXXX XX/XX/XXXX GUILD sent me the closing disclosure XX/XX/XXXX ( after 45 days of the offer acceptance and 4 days before closing ) GUILD notified me that the " loan investor '' can not approve my loan and the main reason was : " Investor not using any rental income from current property since it shows up on only most recent year of tax returns and two year history could not be established ... no exceptions. '' This is unacceptable, I got a pre-qualifiation letter and after my loan was approved and reviewed by the lender 's underwriters I got a loan estimate and a closing disclosure document. It 's my understanding this is what underwriters do, they validate all the loan requirements and they should know what is the investors guidelines for each loan product. 

At this point GUILD offered me another product of course now this is more expensive. XXXX Mortgages XXXX with 4.5 % rate and another with 4.625 % rate. And now I have to put 10 % down. 
This extra 5 % was a big hit on my family savings and it 's causing financial struggles in home. 

At this point I do n't have another option to accept this new loan product. I was on risk of losing the house my family want. ( Seller have other offers ). 
If I went to another lender I would have to start over all the process. 

XX/XX/XXXX GUILD sent me the closing disclosures for the new loans. Closing date set for XX/XX/XXXX The effective closing date was XX/XX/XXXX
Consumer complaint received 2020-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

Equifax, XXXX, and XXXX  are reporting outdated and unverified information on my credit reports. Investigation did not show proof of any existing debt that actually belongs to me.
Consumer complaint received 2015-10-09
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: CITIBANK, N.A. (GA)

I used Citibanks online payment system to make a payment for {$20.00} and they drafted {$1500.00} from my bank account without my authorization which i am currently filing fraud charges through my bank against citibank to reverse this fraudulent payment and get my money back. In addition he company will not allow me to take any forebearance which i have requested 4 times due to medical billing. Also the company will not allow me to adjust my payments in any way which will ultimately lead me to have to default on this loan. Also my bank revoked the authorization for the payment for {$1500.00} that citi bank attempted to steal from me that was not authorized. I also did not appreciate XXXX at the presidents office for student loans for Citibank tellime that that them steling my money was my fault and they did no plan on returning my stolen money.
Consumer complaint received 2022-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (PA)

In the fall of 2021, I was notified that XXXX was ceasing their credit card service with XXXX, but that a new credit card would be opened through XXXX. I did not want a new credit card to be opened, so I called XXXX to identify what steps needed to be taken to prevent a new card from being opened. They informed me that as long as I did not register the new card, I did not need to take any other actions. 

Subsequently, there have been charges placed onto a new credit card with XXXX from XXXX. I have had several conversations with XXXX identifying to them that I did not authorize the opening of this credit card, nor did I approve any charges from XXXX. 

XXXX has failed to provide me with correspondence identifying that the credit card account is closed, that it was not authorized to be open, and that I am not responsible for any charges from XXXX. 

This appears to be a scheme between XXXX and XXXX surrounding the closing of their account. I want to ensure that this is handled properly, that my credit score is not negatively effected beyond what it currently has been, and that other consumers are not taken advantage of in the same manner.
Consumer complaint received 2015-05-14
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: 24 Asset Management Corp (IL)

I received a phone call today from a man at area code XXXX XXXX XXXX XXXX XXXX. He was calling to tell me that he works for a company ( 24 asset management ) that purchased a past debt of mine, a XXXX mortgage loan from 2001. He also stated that he had previously sent an offer settlement to me to clear this debt from almost XXXX years ago. Which I have never received. He was very disrespectful on the phone and is breaking the law of the state of Illinois. This debt is far past the legal right he has to call me per the statute of Limitations.
Consumer complaint received 2024-02-22
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: EQUIFAX, 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 30 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 30 days, they should be promptly removed from my credit report. Since it has been over 30 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 Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-02-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST AMERICAN FINANCIAL CORPORATION (OH)

I closed on a refinance loan with XXXX XXXX XXXX XXXX on XX/XX/2022. First American Title was the settlement agent. My file number with First American Title is : XXXX. XXXX XXXX XXXX XXXX required me to withhold 6 months of property taxes. First American Title has {$2100.00} which was supposed to be sent to XXXX XXXX ( Ohio ). First American Title has not paid the property tax and it is now due. The settlement agent told me that the property tax would be paid right away and it's over a month now.
Consumer complaint received 2022-08-15
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. (GA)

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 2015-05-18
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On Friday XX/XX/XXXX I filed a claim on a transaction from a merchant for a product/service I did not receive when I tried to send a fax at XXXX. A short time later, someone from XXXX, the business I tried to send the fax to, informed me that the fax was too dark to read. At that point I contacted XXXX to inquire about a refund and was told by an employee ( XXXX ) that I could not get a refund since I no longer had the receipt. I then called the Bank of America claims center to recover what I had spent and the representative informed me that order to have my money returned I would need to contact the business that received the fax and have them write to Bank of America on company letterhead with an explanation that they could not read my fax. Bear in mind that the total amount of the claim is about {$5.00}. Bank of America required this step in spite of my having gathered the name of everyone I dealt with at both XXXX and XXXX.
Consumer complaint received 2015-05-11
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (GA)

In XX/XX/XXXX my bloomingdales card was compromised and some fraudulent activity occurred. I made a dispute and investigation was started. When I initially made this dispute, I also made a XXXX payment on my account. When I spoke to someone from the fraud department, they informed me that I would not be required to make any payments on my account until the investigation was complete. The investigation has now been completed and I was given credit back into my account. I went in to a bloomingdales department store on XXXX to make a payment and was told my account was closed. The sales associated connected on telephone with customer service who then informed that it was closed and error and she tried to reinstate it but could not because it was a sunday and the department she needed to reinstated was closed. She told me to call back on Monday.
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Credit Reporting Agency, I am writing to dispute the negative items on my credit report. Upon reviewing my credit report, I have noticed that there are several inaccurate and outdated items that require your immediate attention. 

Firstly, regarding the inquiries made by XXXX XXXX XXXX and XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I would like to inform you that inquiries have reached the statute of limitations and should be removed from my credit report. 

Secondly, with respect to the account number XXXX associated with XXXX XXXX, I demand that the late payment information be removed from this account. The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP. 

Thirdly, for the account number XXXX associated with XXXX XXXX XXXX, I request that the incorrect late payment information be removed from this account as well. You can not report this account as updated when nothing has been changed! 

Fourthly, for the account number XXXX associated with XXXX BANK XXXX XXXX XXXX request that you verify the payment status, balance, comments, payment history, and account number as they might be incorrect. Fix or delete this account from my report completely. 

Lastly, for the account numbers XXXX and XXXX associated with XXXX XXXXXXXX XXXX XXXX and XXXX XXXX respectively, I request that the same incorrect late payments be removed from these accounts as well. You can not report these accounts as updated when nothing has been changed! 

I would like to request that you investigate and correct these inaccuracies as soon as possible. Your cooperation in this matter is greatly appreciated. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-02-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NY)

I contacted my student loan in XXXX and XXXX and told them they sent my information to the wrong po box that was listed on the account. I had told them numerous times they had listed the wrong po box by one number off of the mailing address to contact me regarding my students loans and slapped me with late fees until I paid them. My accounts are current and I deserve to have them not slapped me with 3 months late fees as I was unaware they were coming up for renewal and the wrong addresses are on my papers. This is from 7 years ago and my credit report has been good ever since. I am asking for this to be removed from my credit score and report. I think unaccurate information after I have had my accounts in good standings for 7 years. Case # XXXX If I wanted to buy a house or purchase something I have these 3 late payments on my account for the past 7 years.
Consumer complaint received 2020-10-16
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. (MI)

This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of 2020, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across three bureaus. XXXX  shows XX/XX/2020, and Transunion has XX/XX/2020 and XXXX  HAS NOTHING CHANGE! Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. 

Account Name : XXXX Account # XXXX
Consumer complaint received 2020-07-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A. (PA)

When attempting to link my PNC Financial Checking account to the XXXX service offered through XXXX I was informed that due to a change by PNC I would not be permitted to do so. I hope that in the future I am able to link and make deposits when I choose into this service. Upon the link request PNC informed me, however, that the accounts had been linked but I received no such verification from XXXX.
Consumer complaint received 2016-04-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Pinnacle Credit Services, LLC (FL)

I had XXXX XXXX years ago, after having someone else on my account who could not afford the bill our services were cancelled. They sent my account to Pinnacle Collections Agency. In XXXX I settled my account in hopes of having a closed status on my credit report. I was told that I would receive a letter after 30 days but need to make sure to call back to get the letter. I paid off XXXX other debts with XXXX other agencies who immediately reported and had the accounts closed. My credit score shot up XXXX points with those XXXX. I waited almost 30 days for Pinnacle to show my account as closed. I contacted back couple of days before 30 days and was transferred to someone else, they advised me I would have a letter within 2 weeks and it would show on my report after 30 days. A little after 30 days the account showed a {$0.00} balance but still " open '' status on my report. I contacted Pinnacle again due to still not getting a letter and the account still showing open. They assured me that it 's on the credit bureaus end and could take up to 90 days and they were " behind '' on their letters but they were mailing it soon. I am now at 90 days since paid, my account STILL shows open, and I have STILL not received a letter. I settled my account for XXXX. If I knew they were not going to report correctly and be completely out to XXXX people forever I would have paid off many more debts with my money. My account needs to be closed and reported CORRECTLY to the bureau. I have disputed this twice now with the bureau that keeps coming back that it 's valid because of the way they are reporting it. This company has been reported numerous times for their shady tactics and not reporting properly. This needs to finally be taken care of.
Consumer complaint received 2016-02-11
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

I have checking account that I allowed to become inactive. The bank charged me {$30.00}. a month for four months, totaling {$120.00}. I called the bank and they refunded half of the total. I believe that {$30.00}. per month is a ridiculous amount to charge for not writing a check. Is there anything more that can be done to get the remaining {$60.00}. 

Thank you for your advice and assistance.
Consumer complaint received 2022-02-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (FL)

XXXX, XXXX XXXX XXXX SEC # XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious AFNI, INC. XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent a letter the XXXX XXXX on XX/XX/XXXX via certified mail regarding account starting with XXXX, to which they responded that they were not able to locate/verify the account. On XX/XX/XXXX I sent a letter to Transunion via certified mail asking them to remove this account due to being falsely reported. I got no response to this letter, and there was no note placed on this account that showed this account as being disputed which is a violation. I sent another certified letter 47 days later on XX/XX/XXXX asking Transunion to delete this account for being falsely reported, and I even pointed out that the other bureaus had done their job to remove this account. They sent a letter on XX/XX/XXXX stating that the account was verified as accurate and they updated the date. I do not believe they did a timely investigation in to this issue.
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (ID)

I paid this account of on XX/XX/2023 and the company XXXX XXXX XXXX XXXX and XXXX XXXX  was to report it two the three credit agencies but has not.
Consumer complaint received 2023-03-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (TN)

Sent letter end of XXXX to request account documentation to provide proof of debt. Never received. Then received notification that I was being sued by this debt collector, each time I call I get different information. Phone calls have been recorded, they are giving me the run around and refusing to provide proof of the debt. They say their phone lines are messed up or provide # s that dont work, they tell me to call back later. I have asked 3 times who the attorney is in the case and am told 3 different answers. I finally placed the debt into dispute.