davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Stearns Ventures, LLC (CO)

I tried to submit a one-time payment on the servicer website. there website seems to be having issues for the last two days and the problem still has not been resolved. I called to get this resolved and the customer service rep is not acknowledging that there is an issue. My payment was due on the XX/XX/XXXX even though I tried to submit online payment on XX/XX/XXXX and XX/XX/XXXX before payment due but the website still is not working. The customer service rep said they will submit an inquiry which customer service rep says can take up to 10 business days to be looked into. By this time, my mortgage will be past due and start collecting late fees/penalties and possibly default etc. I am filing a complaint because I do not believe they will resolve this issue in a timely manner and by the time it gets resolved i could be incurring late fees all because of the mortgage loan servicer website is not working properly and I want to have it on the record that I tried to get this resolved with the loan servicer before it came to this.
Consumer complaint received 2021-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2020-08-22
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. (VA)

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a card approval. The account listed below is not mine. I sent in multiple letters that I attached here as proof. I haven't received any feedback about my complaints. I don't understand what is really happening? Your help is so much appreciated. 

XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-20
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. (IL)

THE BUREAUS ARE STILL REPORTING INACCURATE ACCOUNTS AND THEY NEED TO BE REMOVED IMMEDIATELY. I DONT EVEN BELIEVE THEY HAVE CONDUCTED PROPER INVESTIGATION AND IT HAS BEEN MORE THAN 30 DAYS.
Consumer complaint received 2022-09-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/XXXX of this year I saw an ad on XXXX XXXX that ad is no longer available so I'm not able to do a screenshot of it I came across an individual that had a property for rent it was the right price I was trying to help my daughter get a new home in this process we did money transfers through Wells Fargo app that has XXXX to the individual or I should say individuals working together we made XXXX transactions before we realize there was a scam in this process we went back to the house we said oh we love this house it's beautiful let 's get the paperwork going so we did the application fees then we did a deposit luckily XXXX I was able to stop XXXX of the transactions because it was a larger amount and XXXX of the walkthroughs afterwards we saw some paperwork that was kind of hidden to the side and it said that who was claiming to be our landlord was not our landlord that this house was actually a rental property so I had my daughter call and then we received a call back stating that this property is not owned by anybody but the rental agency they came out afterwards and changed the locks I have a bunch of screenshots of the conversation between myself and the individuals as soon as I realize it was a scam I immediately notified my bank to file fraudulent charges and scam alerts on XX/XX/XXXX I received a letter in the mail from the bank stating that they are going to side with the frauds and let them keep the money so I am now taking the next step I am XXXX my daughter is XXXX and I have a joint account with XXXX of my grandchildren for someone that's on XXXX this is a lot of money for us. I am going to send you everything that I have that I have screenshotted downloaded My name is XXXX XXXX you can reach me at XXXX
Consumer complaint received 2021-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: PENTAGON FEDERAL CREDIT UNION (NV)

On XXXX XXXX, 2021 I applied for a credit card with Penfed, Penfed requested personal document Identification with photo and Social Security Card. 
On XX/XX/2021 after I sent all the information requested I contacted an agent of Penfed using the chat in the contact option for the bank. The agent in the chat informed that my application was conditional approved they just need to review the documents I sent and I should received the response in 24 hours. 
On XX/XX/2021 I Called Penfed Over the Phone due To not Getting the Response within The 24 Hours indicated The day before. 
On XX/XX/2021, I called Penfed again, and the agent that answered the call hung up on me after I was 45 minutes in the line waiting for him to get a supervisor ; my account was fully verified by the automatic system, and I also confirmed my history with him before asking for the supervisor, I am assuming the agent hang up on me in propose because he did not call back even that my contact information it's on my account with Penfed.

I called again to Penfed and spoke with a supervisor and explained to him how unprofessional and incapable its Penfeds customer service and how I feel About being Treated so rudely. 
A few minutes after the call, I received the denial email for the credit card. For unjustified reasons, on XX/XX/2021 the actual card I have with Penfed was approved with more inquiries, more balances, and the worst credit score.

Penfed denied the credit card that I was informed was conditionally approved for retaliation. Because of discrimination against me, I sent a valid ID and social security card that matched the information in the application that I was conditional approved.
Consumer complaint received 2021-11-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (IL)

This account from LVNV appears on my XXXX credit report stating account was opened XX/XX/20 for XXXX dollars. I have no knowledge of this account. Ive never had an account with this company. I disputed and the company states the debt is mine. I would like to see paper work with my signature and the certificate showing they legally have the right to collect debt. My email is XXXX and mailing address XXXX XXXX. XXXX XXXX XXXXXXXX IL. XXXX
Consumer complaint received 2018-07-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (NY)

On XX/XX/2018 @ XXXX XXXX I called XXXX XXXX at XXXX extension XXXX is the assigned CitiMortgage Single Point of Contact for my account number XXXX. XXXX XXXX is listed as my dedicated SPOC as recent as Mortgage Account Information statement dated XX/XX/2018. The issue is that my telephone call on XX/XX/2018 at XXXX XXXX to XXXX XXXX was interceded by a XXXX XXXX employee ID # XXXX who inquired as to the reason for my call to XXXX XXXX. In reply I stated that I had some questions which were 1 ) is my account insured by the FHA or VA, 2 ) is the mortgage loan owner XXXX XXXX or XXXX XXXX, 3 ) is there a foreclosure effective date ( s ). But XXXX unapologetically and with a cavalier demeanor dictated to me that those questions should only be addressed by my attorney ( presuming I have an attorney ) directly to the CitiMortgage Foreclosure Attorney XXXX XXXX XXXX because the account is in litigation. On the contrary when I explained to XXXX that I do not understand why CitiMortgage is prohibiting me from seeking answer to the list of questions in my capacity as the account holder ; XXXX authoritatively insisted that I call their Foreclosure Attorney XXXX XXXX XXXX.
Consumer complaint received 2022-09-13
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: Commonwealth Financial Systems, Inc. (FL)

Under the Fair Debt Collection Practices Act, you are required to respond to my request for validation within 30 days of receipt of my communication. However, it has been more than 30 days, and I have yet to receive a response. Under both State and Federal consumer law I have the right to get have my debt validated, and you are obligated respond within the statutory time limit. 

Failure to respond to my requests for validation is a violation of the Fair Credit Reporting Act and may result in an investigation of your company by the Federal Trade Commission. 

According to the Fair Credit Reporting Act, you have the right to report any mistakes to the agency that supplied the report that contains the false information, and that agency is required to look into the mistake. Any attempt to collect on this debt without properly validating would be in violation of the FDCPA and State consumer protection laws. Should you continue to attempt to collect this debt without validation, I have the right to sue you in small claims court and subject you to a fine of {$1000.00} per violation, as well as my attorney fees and court costs as damages. 

In addition, I would like to remind you that you are legally obligated not to report a debt that has not been properly validated to any of the credit bureaus. 


I have requested a dispute with all XXXX bureaus and their response was Account information was disputed by the consumer, and meets FCRA requirements. On another note this is not my account it belongs to someone else so now this goes into a HIPPA situation correct? Incorrect personal identifying information this is when the name and address given to a creditor belongs to someone else.
Consumer complaint received 2018-04-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Townstone Financial Inc (IL)

I was Refinancing My Home and the Lender TOWNSTONE Financial , Inc. Forced me to obtain a Appraisal of My Property after I all ready had a recent Appraisal done on the My Property. I had let them know that I was doing some inside remodeling on the Property.

They took a long time to make a decision and waited forcing me to pay a Higher Interest Rate. They came back after the second appraisal was done and stated they were not going to approve my Refinancing on my Property. They stated that My Property was Inadequate Collateral. The Appraisal came back at {$120000.00} Dollars. I only owed a Mortgage of {$45000.00}. They further used a Credit Agency Report from XXXX to deny my application for a Mortgage. My Credit Rating is XXXX Excellent Rating. I feel that as a Senior Citizen I was Discriminated Against and subsequently Denied Credit.
Consumer complaint received 2022-09-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (TN)

On XX/XX/2022 I went to the ATM at XXXX XXXX XXXX XXXX, TN XXXX and made a deposit of {$200.00}. Upon the machine taking my money, the ATM shut completely down and never even provided a receipt. I immediately reached out to Regions Customer Service and informed them of what had happened. They placed a credit of {$200.00} on my account while they researched the matter. I am not sure what type of research was done but if they took out the time to look at cameras, they will see me making a deposit. 
On XX/XX/2022 upon randomly checking my account balance, I noticed that Regions had debited the {$200.00} from my account and I was told that because they could not locate a deposit receipt, they could not assist me further and my claim was not warranted. 
This is unacceptable to me from a banking institution, someone that we are to trust with our life savings. Some of us are out here not sure where our next meal will come from and can not afford actions such as this. Because of the debit from my account, my checking account now has a negative balance. I have been with Regions for years and never had anything like this take place and I would most definitely have expected them to handle this situation with a little more compassion and research the matter as I have no reason to be dishonest about anything.
Consumer complaint received 2021-11-03
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AFNI INC. (IL)

AFNI collections have been calling and harassing me for months, seeking someone I DO NOT KNOW, despite me telling them numerous times and writing them as well to inform them of the same! Most of the calls come from XXXX. The latest call occurred XX/XX/21.
Consumer complaint received 2020-08-22
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: Colony Brands, Inc. (NY)

I have a loan with XXXX XXXX and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX and XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2022-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Over a period of 12 days there were seven fraudulent XXXX transactions that completely drained my account ( {$8300.00} ). I called Bank of America to report it but they said it was XXXX 's problem and all they can do is record it. I called XXXX and they don't even have an option to talk to someone if you use their service through a bank. The bank reversed the overdraft fees incurred but said the {$8300.00} is out of their hands ... and now continue to charge me overdraft fees ... .but I can't put money in my account or it will be stolen.
Consumer complaint received 2020-08-22
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: Consumer Portfolio Services, Inc. (MA)

I see multiple 30-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-08-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a card approval. The account listed below is not mine. I sent in multiple letters that I attached here as proof. I haven't received any feedback about my complaints. I don't understand what is really happening? Your help is so much appreciated. 

XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2020-08-22
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. (VA)

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a card approval. The account listed below is not mine. I sent in multiple letters that I attached here as proof. I haven't received any feedback about my complaints. I don't understand what is really happening? Your help is so much appreciated. 

XXXX  XXXX XXXX -XXXX XXXXXXXX
Consumer complaint received 2017-06-06
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. (MI)

My name is   XXXX   XXXX  . I am a loan officer with   XXXX   XXXX  . I am making this complaint of through my own motivation and not at the direction of the company I work for. I have recently had the unfortunate situation in which I have worked very hard with a lower to moderate income earning immigrant applicant. He made an offer ( not an accepted offer ) - just simply wanted to make an offer on a home for sale that is owned by   XXXX   XXXX   XXXX   XXXX  . Which is a Trust that is owned/managed by the same person that owns Caliber Home Loans. My borrowers offer was NOT accepted at the time they put extreme duress and pressure on him to apply with Caliber Home Loans to be pre-approved. So, in order for the listing agent to even present my client 's offer on a home my client had to go to a Caliber Home Loans for a pre-approval. I know in this day and age of BIG business and banking that lobbyist rule, and he who has the most money gets to make the rules ; however, this not only affects me and my ability to support my family it also affects our clients. Anytime credit is re-pulled it has the potentially to affect the credit score of the borrower. If the credit score is negatively affected - by that mean because of inquiries the credit score goes down - this could impact the rate of private mortgage insurance the buyer pays. In this particular case if the private mortgage insurance goes up, the monthly payment goes up AND the borrower no longer qualifies. Since inquiries can affect credit scores this could affect insurance premiums and loan rates down the road. Requiring a borrower to be pre-approved BY ANY LENDER as a requirement to have their offer accepted is the very definition of steering. Steering is suppose to be against the regulations and rules yet THE OCC, HUD AND NOW THE CFPB DO NOTHING to prevent it. Kick backs are also not allowed yet PULTE Builders can offer their clients 10K in upgrades to go to   XXXX   XXXX   ( despite the fact that   XXXX   XXXX   has higher than market interest rates ) - how is that putting the CONSUMER in a better position??? How is that not steering? How does the CFPB allow this to go on? Steering is not allowed according to the law. Kickbacks are not allowed according to the law yet this is common place with big companies and big builders. I would like to see the CFPB enforce the law on ALL COMPANIES even if they are the seller of the property. This practice is not only against the law it is potentially harmful to the consumer.
Consumer complaint received 2017-06-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (DE)

This complaint is related to my previous numerous complaints against Citizen 's Bank and our application for refinancing which took more than one year but yet created problems and aggravation. The process for refinancing to 2.75 % home equity line of credit was complicated because the title deed of our residence is held in the name of a trust of which our grown up kids are co-trustees. Our daughter lives in Oregon and son in Pennsylvania. Documents for home equity line of credit needs their both notarized signatures. Time and again those documents were not done as required ( and we do not know the reason ). Finally the 2.75 % was given to us but the line of credit was suspended. In 2017 Citizen 's  bank increased the rate on this loan twice although the Federal Reserve raised interest rates so far only once. In XX/XX/XXXX the rate was raised to 3 % and in XX/XX/XXXX to 3.25 % which apparently was made to penalize us. Citizen 's bank started the process to make the documents again by sending our daughter mortgage documents again but raising the rate in XX/XX/XXXX clearly appeared to be punitive.
Consumer complaint received 2020-11-14
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. (NY)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. it has been over 60 days, so it should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.