davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-11
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Academy Mortgage Corporation (CA)

On XX/XX/2024 we were living in XXXX XXXXXXXX XXXX my husband had a job which included housing. XXXX XXXX had sent me a marketing email about new loan programs in XXXX and asked how we were doing at that time i told him we were thinking of moving to XXXX hoping to purchase a home. He then stated he was licensed to sell in XXXX and said he could help us. So we sent him all our docs including my husbands work history. He told my husband several times our application looked good and all he needed to provide was an offer letter for a job in XXXX. My husband gave him all the docs requested. Thru the process we kept asking if anything else was needed he kept reassuring all looked good. We left to XXXX got a room in a hotel got a realtor looked at homes XXXX gave us a preapproval letter gave us breakdown on homes not once did he stop us from looking not once did he tell us we were not qualified. He kept saying all he needed was the employment verifications. On XX/XX/XXXX we put an offer on a home it got accepted we scheduled an inspection then after two weeks of paying hotel, spending money on food, XXXX tells us we cant get the home because we do not qualify because of my husbands work history too many jobs in the past two years! He could have told us this before we moved to XXXX and we could hv avoided the storage fees, the hotel fees, and the eating out! XXXX  states if there are several jobs in the work history it still does not disqualify additional documents will be required to show proof of stability. I reached out to XXXX on the XXXX asking about this he never got back to us! Horrible experience, loss of time, loss of money due to his inability to address this as soon as we provided the work history!
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BLINCLOANS, INC. (MD)

I paid off my loan and credit cards XX/XX/XXXX and it is not updated with the companies on my credit report with all credit bureaus as {$0.00} balance. They reported on XX/XX/XXXX on my new credit report that I have a balance. This is for both loans and credit cards. I called the credit bureaus and they did not update the info. 

Oneblinc phone number XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit card XXXX The amounts I paid are attached.
Consumer complaint received 2022-09-06
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. (NC)

Car parts totaling {$860.00} were purchased from XXXX on XX/XX/XXXX Order # XXXX using Citibank Credit Card. Parts were found defective and returned to XXXX on XX/XX/XXXX confirmed by XXXX. Refund or replacement parts were not received although many calls & letters were initiated since XX/XX/XXXX. I filed a dispute with Citibank XX/XX/XXXX - XXXX. I received correspondence by post on XX/XX/XXXX from Citibank dated XX/XX/XXXX indicating " We have made every effort to resolve this dispute with the merchant but have not been successful. '' We no longer have any additional recourse to pursue a credit for you. '' " You will need to seek other means to resolve this matter. '' I have not as of this date received a credit or replacement product.
Consumer complaint received 2020-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

I have disputed information on my credit report. I have proof that numerous items are not valid, have incorrect information, are showing incorrectly, that are being reported incorrectly, the debt is not legal or valid, previously disputed items that have been acknowledged as removed by the bureau is still reporting on my account. 

The agencies refuse to remove properly disputed information that had been proven as not legal or valid.
Consumer complaint received 2016-05-08
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (WA)

I had an American Express Gold card linked to a MR ( Membership Rewards ) account. In time I also got an American Express Everyday card and linked it to the same account. The MR account had a balance of around XXXX miles. 

I subsequently closed my Gold card. That is when the nightmare with Amex started, they closed my MR account as well stealing all XXXX of my points. I had to book a few air tickets which I was hoping to book using these miles but was not able to. In the meantime I travelled to XXXX and forgot about my misery. 

I returned and had to struggle to reinstate my account. Amex offered no explanation or compensation for not having my miles available to me when I needed to redeem them. I asked for compensation which was summarily ignored. 

I however noticed another issue, as per the contract of my Amex Everyday card, I was to receive XXXX points upon using the card to make {$1000.00} in purchases during the 1st 90 days. I completed these purchases, however again my points are not awarded to me. 

The Amex Membership Rewards department chooses to ignore all my tickets, I have escalated multiple times to managers who dont call back and the issue is still ongoing 3 months after it should have been resolved. I must have XXXX tickets filed for escalation and the MR department just never calls or tries to resolve them. 

I would like for Amex to acknowledge its errors and apologise in writing for closing my MR account without warning and for not making available my points for redemption when I needed them. 

I would also like for them to reimburse me the XXXX points I am legally entitled to immediately. 

I would also like for them to compensate me for : 1. Hardship caused to me due to all their errors. 
2. Not making my points available for redemption when I needed them 3. Making me run from pillar to post to claim something which I am legally entitled to as per contact.
Consumer complaint received 2022-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2016-06-12
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

The ACH amount owed XXXX XXXX was wrongly paid to XXXX Bank of America and instead of being sent back to consumer it was transferred to XXXX XXXX after the cut-off date incurring a late fee and fines. I received several credits, but the debt kept appearing and the folks at Bank of America failed to respond to my phone complaints, Emails, and written communications to change the matter permanently. This debt is no longer owed to the debt buyer, XXXX XXXX, and the other debt buyer, XXXX Bank of America, formerly Bank of America 's XXXX accounts, since I am retired and on social security benefits under law. These debt buyers have no documents or signed agreement by me either and that is why they want me to provide them with the information. I refuse to do so because they have no right to it. This is a matter of increasing their revenues and increasing my liabilities with a negative report on the XXXX big consumer reporting agencies.
Consumer complaint received 2022-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX, Oh, XXXX DOB XX/XX/1982, SS XXXX I was looking at my report and I noticed that XXXX of my accounts are not reporting to my credit file at all. I have a XXXX XXXX XXXX XXXX XXXX XXXX XXXX that are not updating or showing on my credit report, They are not showing on my XXXX XXXX, XXXX or Equifax.
Consumer complaint received 2017-03-09
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I am contacting to explain my complete frustration and concern about the total lack of privacy and security exhibited by Bank of America during my loan modification eligibility process. 
When the process started, I initially had to set up a secure account online that I automatically assumed would keep my personal information safe and protected from cyber predators.I was then asked to provide personal tax details, banking and mortgage information via electronic uploads.This information unfortunately included my social security #, my bank account details and XXXX information. 
I accessed the " secure '' Bank of America Borrower portal on the weekend to check on the status of my loan modification application and to my absolute dismay and horror I was able to look at the following : Statements and earnings information for a lady in XXXX XXXX, CA who is applying for some sort of change to her banking methods.This lady had submitted these confidential documents to Bank of America but they have been deposited in my portal and possibly other people 's portals to see.Very disturbing!!! 
Statements and social security information from a couple in XXXX XXXX, CA who are also trying to make changes to financial situation.This couple 's private information was available to view in my portal which is totally wrong and should not have happened. 
I did not see an uploaded copy of my XXXX for 2016.I wonder whose portal that is in??? 
I am extremely concerned that all of my assumed confidential information that has been disclosed electronically to Bank of America could be in the hands of potential criminals who could steal my identity and destroy me financially.It is obvious that BOA have a very insecure network that distributes very private and personal information into the wrong portals.I am also very disturbed at the lack of concern shown by telephone personnel that i spoke to when I found this problem. " it was just a mistake '' is not what I wanted to hear.It is a very serious mistake and there should be consequences for this happening. 
I have absolutely no confidence that my personal information will remain confidential with the Bank of America secure borrower portal.I have no idea who is looking at it.I will forever be checking my credit report and very concerned about identity fraud in the future. 
My lawyer and I will hold Bank of America responsible for any fraudulent activities that take place as a consequence of this very unprofessional act.At this point I am not sure if I should continue with the process.
Consumer complaint received 2024-03-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Onity Group Inc. (FL)

My payment amount changed effective XX/XX/2024 as a result of an escrow shortgage. I never received notification from PHH of this change or a phone call. When my payment was received by PHH it was placed into suspense and not applied, as a result, my payment was reported late. The lender should have returned my payment since it was short to allow me to pay the payment and not reflect on my credit report or applied the payment short. This is not fair and I am asking the lender to remove this item as a default from my credit report.

The representative that I spoke to said that my billing statement regarding the funds in suspense was sent to my mailing address, however, based on the statement attached it was sent to the investment property. I had no knowledge of this change.
Consumer complaint received 2016-10-11
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (TX)

I have a XXXX year old XXXX study loan with XXXX XXXX. Navient is apparently the legal name that now administrates it. I have not received a bill in several years. Nor do I receive confirmation of payment. I quit paying it in XXXX of this year because I had no idea what was left owed or if I was dumping money into a black hole somewhere. I thought I would get a statement in the mail if payment was not made. Nothing happened. The loan was turned in for collection due to default. 
Upon checking my email I discovered Navient sent me several emails - but none of them are statements. Even if they had - I did n't sign up for email billing. Apparently the Navient process is for you to sign up for an account and view statements online. I 'm very familiar with online accounts - but was not noticed nor did I opt in to paperless billing or billing via a website somewhere. 

I 've contacted Navient to have everything sent by mail going forward. I was told that was not possible. I 'd like to pay off the remaining balance, but I do n't intend to pay penalty interest on late payments for an invoice I never received, which is all of them. 

I will contact their ombudsman program. 

Interestingly, my neighbor had the same issue with Navient last month.
Consumer complaint received 2015-08-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: EXPERT GLOBAL SOLUTIONS, INC. ()

XXXX & XXXX have been chasing me for three years, for a silly amount of money that I no longer owe. I paid them two years ago. Again this year they are after me.
Consumer complaint received 2015-06-23
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I lost my job on XX/XX/XXXX, 2015 which was my last paycheck on XXXX XXXX, 2015. From XXXX/XXXX/2015 to XXXX/XXXX/2015 Bank of America continue to charge late fees even though it was clear no money was coming into the account. This has not been the XXXX time, that I have endured hardship because of Bank of America overdraft protection which I did not approve. The account should have just denied the transaction as no funds available. In addition, Bank of America allows debtors to resubmit and present transaction over and over again adding to the negative balance. Bank of American branches has take the position there is nothing they can do about reversing the excessive fees. I had to make a change to our account changing our Social Security check to a debit card because Bank of American systems knows money will be deposited and the behavior. Thus verifying that this is being done intentionally to build us excessive late fees. On XX/XX/XXXX, 2015, I will go to Bank of America to resolve this issue but I decided to file my compliant because they will be unwilling to remove the excessive late fees.
Consumer complaint received 2016-12-17
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (AZ)

My mother had a reverse mortgage with Wells Fargo. I am her executor. I have spoken to Wells Fargo along the way and have always been told not to worry, there is plenty of time once she no longer lives in the house to sell or sign over to the bank, nothing happens immediately. She passed away on XXXX/XXXX/XXXX. Two days later, XXXX/XXXX/XXXX my husband was diagnosed with XXXX. So I was planning my mom 's funeral and dealing with my husband 's XXXX illness at the same time. I did not immediately or for a couple months contact Wells Fargo due to having so much on my plate. When I did, I never received a call back from the person listed in the letters as my contact. Then foreclosure was started. My attempt to deal with a live human being and actually get anywhere was met with countless minutes spent on hold, getting different answers, getting pushback on what was needed to get anywhere. I simply needed to know how much was owed Wells Fargo so I could decide if, based on comps I had obtained, I should place the property up for sale or sign it over to Wells Fargo. Based on their absolutely horrible customer service and living up to past promises, I feel I should be treated with respect in trying to determine the best course of action. Each call I made, I was of course given the disclosure that the calls were being recorded. Therefore I know there is proof of my attempts at resolving this situation without going all the way to foreclosure. I finally, out of desperation, got my mom 's attorney involved, which of course will cost the estate more in unnecessary charges. Surely there is some protection against this kind of behavior. I can assure you we did not walk away from the property and it has been maintained, association fees paid, etc. If I was applying for a mortgage I am sure I would be treated with utmost respect, but after losing my one remaining parent, dealing with that grief as well as my husband 's XXXX, I have been treated like America 's biggest flake. Today, XXXX/XXXX/XXXX, I am awaiting the payoff, which I have been promised through my attorney to receive by XXXX/XXXX/XXXX, so that I can make a reasonable decision on what to do next. I feel Wells Fargo is not acting in good faith, and should be made to correct their deplorable tactics in dealing with family members who have lost a love one, after that loved one was talked into the reverse mortgage with sugar dripping from the mouths of the Wells Fargo employees. I feel XXXX every time I get off the phone with them, which is why I finally asked my mother 's attorney to step in.
Consumer complaint received 2017-03-05
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. 
I am a victim of identity theft and noticed a collection from Portfolio Recovery I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Portfolio Recovery in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Consumer complaint received 2015-10-11
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LENDER LIVE (WV)

I refinanced last year XX/XX/XXXX with XXXX mortgage who then sold the mortgage to Lender Live mortgage company. I received a notice my taxes were never paid and my house would be auctioned off XX/XX/XXXX. I called Lender Live on XXXX XXXX, 10 days ago. I emailed the auction notice per their request the same day, XXXX XXXX. I called them back XXXX XXXX and issue not taken care of. I called again XXXX XXXX and XXXX and they still had not resolved the problem or paid the taxes. Today I received a letter from my house insurance that my insurance was not paid either by Lender Live as it should have been thru my escrow. Also they have not paid taxes that was due XXXX XXXX. Now it appears not enough money will be in my escrow to pay all taxes and insurance when amounts have not increased and I have previously always had a surplus in escrow before. Lender Live should have been tracking my insurance and taxes as their full responsibility to pay these thru my escrow.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA (NY)

I have recently discovered that my social security number has been compromised, and I am taking immediate action to resolve the issue and prevent any fraudulent accounts from being created in my name. I have placed a notice on my credit report, instructing not to open any accounts without first contacting my personal number to verify my identity. I did not authorize them to perform hard inquiries on my credit report. APPLE CARD/GS BANK XX/XX/2023 2023
Consumer complaint received 2017-02-04
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY (NY)

I have disputed {$210.00} in overdraft fees to my bank and the response I received did n't address my concerns so I am contacting you. I did a transfer using XXXX XXXX and afterward I checked my account which reflected the deposit. Following this, I sent a payment through the service XXXX. TD Bank later changed the order of my transactions to make it seem like I sent the XXXX payment before the XXXX XXXX deposit posted. This is not what happened and this is not what my account reflected when I checked after I accepted the XXXX XXXX money transfer. I contacted the bank 's customer service line and was told that I would have to go into a branch to get a refund because she was only allowed to give my back {$35.00} over the phone. When I went in to the branch, the representative told me that TD bank has a policy where purchases are posted before credits, no matter if the credit is received first. And then she said she would only be able to refund me {$35.00} of the {$210.00} overdraft fee. I told her that changing the order of transactions is illegal and I know XXXX XXXX, XXXX, and XXXX XXXX XXXX recently had to pay a XXXX dollar settlement for engaging in these practices. She told me that she would email her branch manager to see if they could refund me all of the fees. I never heard back. This was a branch on XXXX and XXXX XXXX. I also called the customer service number again and told them it was an emergency and I needed those funds because I was moving that day. The supervisor I spoke to only refunded me {$70.00}. So, the bank still owes me {$140.00}. I am reaching out to you in hopes that you can help me resolve this issue. I have had trouble getting food because of this bank error and it is not fair!
Consumer complaint received 2015-06-21
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Alliance One, Inc. (NY)

As best as I can tell I had a parking ticket that was unpaid. It appears that this charged off parking ticket was sold to Alliance One Receivables Mgt Inc. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX WA XXXX, Tel : XXXX XXXX Acct # XXXX. 

I dont know who Alliance One is. I never did business with them, nor contracted with them. They put a Key Derogatory on my credit report as if i opened a tradeline with them and defaulted. They reported to XXXX a high credit balance of XXXX and a derogatory late amount of XXXX, as if its an active tradeline. I dont know who this organization is, but they have caused great harm to my FICO score by frauduently reporting a default as a recent tradeline. I imagine this is a patent violation of the Fair Credit reporting act. What is the re-numeration I am entitled to under the act for a willfull misleading false entry on my credit report? Please investigate and sanction this XXXX.