davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AR)

I am writing to express my frustration and disappointment with the numerous unsuccessful attempts to correct the late opening of my account with Credit Bureaus. Despite multiple communications and efforts on my part to rectify this issue, the problem persists, causing undue inconvenience and frustration. 

As a valued customer, I expected a higher level of service and efficiency from your organization. However, the ongoing delay in addressing the late opening of my account has not only inconvenienced me but has also hindered my ability to engage in timely financial transactions. 

I have made several attempts to resolve this matter by contacting your customer service department and submitting the required documentation. Despite assurances of prompt action, the issue remains unresolved, and I have yet to receive a satisfactory resolution. 

I urge you to prioritize this issue and take immediate steps to correct the late opening of my account without further delay. Timely action is essential to restoring my confidence in your company and ensuring a positive customer experience moving forward. 

Additionally, I request transparent communication throughout the resolution process, including regular updates on the progress of the investigation and the actions being taken to address this issue. 

Failure to address this complaint promptly and satisfactorily will leave me with no choice but to explore alternative options, including escalating this matter to higher authorities and seeking legal recourse. I am asking for your assisstance to correct these fraud items in my credit file : XXXX XXXX XXXX  XXXX Opened XXXX. XXXX, XXXX  Balance : {$10000.00}.
Consumer complaint received 2020-09-11
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. (TX)

There are two collections on my equifax report, one in the amount of XXXX and the other in the amount of {$140.00}. I have disputed both accounts online. Both accounts still remain on my credit profile. These accounts have no address or phone number on file to contact the company direct. There are also no names listed for the companies. I have no knowledge of these accounts. Please delete these accounts from my profile.
Consumer complaint received 2016-11-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (NJ)

For the past 8 months we have been struggling with roundpoint servicing regarding an escrow issue The servicing was transferred to them from another lender. They refuse to correct a flood insurance escrow placement, when we have had and have shown numerous times that we have flood insurance on this property. We have spent countless hours in phone calls that lead nowhere or with someone who states there going to correct it and send us a corrected analysis but when it comes in the mail it is wrong. They are charging us for flood insurance when we have satisfactory proof of coverage there has never been a laps or gap ... iwhen the transfer happened to their company is when we have had nothing but problems! We get the runaround one department dosent know what the other is doing, or it takes 60 days to make a correction, which is a direct violation of TILA AND MAP regulations. But to date NOTHING HAS BEEN RESOLVED. I beg for assistance. Every three weeks we go through a routine of calling being placed in hold for 30 min at a time after being placed there from a representative ... .. we need help.
Consumer complaint received 2021-01-26
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. (TX)

Is Transunion and XXXX  a company like XXXX XXXX XXXX XXXX? I called XXXX XXXX XXXX XXXX. They were wrong and unlawful and didnt have permissible permission that accessed my personal information that led to fraud. However, they are the big rich company and will do things their way regardless what is right. They expect more of my personal information to perform a fraud investigation. This is why just within the last 100 days, XXXX XXXX XXXX XXXX has deleted 66 requests and complaints by labeling as duplicates and not answering one single request or complaint. Instead of acting like a normal person and saying oops, were sorry we accessed your credit report without permission and we will make it right ; they state they have their policies and standards and will do things their way and they need more private information from me. This all goes back to the beginning when XXXX XXXX did not valid permissible permission to access my credit report. And Transunion and XXXX  went along because they are big too, XXXX XXXX is their client and they need to look out after each other and American people are small.
Consumer complaint received 2016-10-11
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: Alliance One, Inc. (NV)

Multiple issues. They are calling my wife at her phone. Ive sent letters asking for debt validation, for them to stop calling her phone, for them to cease communication with me until they verify the debt. They call multiple times a day after being told to stop. They are illegally recording calls without my consent being Im in the state of Nevada. They frequently call before XXXX and it is stressful. My infant son had been awoken several times because of this unprofessional behavior. They have completely disregarded everything that I have asked them to do. This is a summery and not all inclusive.
Consumer complaint received 2017-05-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I applied for a bank of america business checking account and was initially approved provided sufficient documentation of the business and received a business debit card and online banking access as o f  XX/XX/XXXX .   No activity occurred other than an initial {$25.00} deposit. Today  X/XX/2017    I could not activate the card and was today the account was terminated for no reason. They did not disclose this information to me legally the representative was rude and provided no additional information. This should be against the law to terminate good standing accounts and waste peoples time with an already burdensome application process ( i would have applied elsewher e ). Plea se enact a federal regulation overseeing the closure of these accounts, many people are having their money with much large deposits being stolen by Bank of America. To call them names and ridicule them does not due them or myself justice instead take control of these banks and enact legislation that will regulate these unjust activities OR sue them and give us our money and time back. I am a  XXXX   XXXX   XXXX  patient and they just took more time off the remaining life that i have. What pieces of garbage!
Consumer complaint received 2020-10-19
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: LEXISNEXIS (MN)

LexisNexus is advertising as a consumer credit reporting agency, selling & sharing personal information that has not been authorized, is unsubstantiated, inaccurate personal information, which adversely affects the ability to work , drive and is personally causing monetary damages as a result of the inaccurate data theyre collecting from insurers who are obviously submitting inaccurate information ; which affects insurance score & is a complete conflict of interest and unethical. 

What is the insurance credit scoring method, who authored XXXX insurers, who report inaccurate information for their profits ), how long does it effect a consumers credit score, how can a consumer improve an insurance credit score? 

Inaccurate information reported by insurance companies is acknowledged by insurers to an insured then insurers refuse to tell you what data information collected and incorrectly reported is LexisNexus ( possibly other data collectors-not disclosured to consumer ) refuse to correct the inaccurate information that insurers have knowingly, incorrectly reported/shared unauthorized, unsubstantiated information. Insurers will not provide the proofs necessary to correct the inaccurate information/LexisNexus credit report. I reiterate complete conflict of interest for the consumer, completely GROSS profit to insurers with literal net losses for consumers. I am NOT a customer or Consumer of LexisNexus, they request personal information to be shared by you to correct, incorrect information provided by XXXX.
Consumer complaint received 2015-06-03
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: Flagstar Bank, N.A. (MI)

I applied for an FHA refinance on my home with possible cash out for home improvements at the end of XXXX XXXX through XXXX XXXX XXXX. I currently have a land contract which has a balloon payment due in XXXX XXXX. It took until XXXX XXXX until I was approved for the refinance. Then we had to get the approval for the cash out. The underwriters through Flagstar Bank started to ask for clarification and more paperwork, some of which had already been explained and/or sent to them. This went on for XXXX months. On XXXX XXXX, XXXX, XXXX XXXX XXXX advised us that Flagstar Bank had denied our refinance. This has caused us significant hardship because we are under a time limit due to the land contract balloon payment being due In XXXX XXXX. I feel XXXX months is excessively long to wait for a decision on a refinance. I had the necessary credit score. If they would have given me their decision in a more reasonable time frame, I would have been able to correct the issues that caused them to deny the loan. Now I have less than a year to correct the issues and try to refinance the home. This is causing me significant hardship due to this delay.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX allegedly purchased a contract that i previously had with an auto dealer they refused to send proof of purchase and refused to show anything to show they owned it and the dealer lied about who they were originally, i never gave THEM my ssn, I have no idea how XXXX got it ans because of the amount of money the dealership charged me they didnt need my social nor was reporting to the credit bureau prior to XXXX purchases the account so this us identity theft and disclosure of my information to a 3rd party which is AGAINST LAW 31USC SS 3123,
Consumer complaint received 2022-02-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

I deposited a check for {$5100.00} into my checking account on wed XX/XX/2021. My bank put a hold on the funds from wed XX/XX/2021 until XX/XX/2021. The bank is fifth third bank the check was from XXXX bank. I talked to a branch manager at fifth third bank to try and get hold taken off. The person that issued the check to me explained that the funds were taken out of there account and the bank told them the hold is on fifth third. The branch manger at the XXXX indiana branch said the check was not verified. So they said they could fix it by speaking to the bank that issued the check that the funds were released. I was then told that they still could not take the hold off even though the funds were made available to fifth third. I am being targeted because i have had over drafts on the account. The only reason for over drafts was because fifth third keeps putting hold on the account. This is the only money i have in the world. I have kids and im in desperate need of the funds for fear im going to be kicked out in the middle of winter from my home. I explained thos to the bank and they said there is nothing they can do even though the funds were released to fifth third already. Im begging anyone to help me form being bullied because i have financial problems!
Consumer complaint received 2017-04-29
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. (MO)

Upon checking my credit report the following accounts have been removed from my credit report but the credit bureaus have not removed them :   XXXX   XXXX   for {$370.00} and {$560.00} were removed  XXXX / XXXX / XXXX   XXXX   (    XXXX   XXXX   ) for {$200.00} was removed  XXXX / XXXX / XXXX  and  XXXX   XXXX   XXXX  for  XXXX  {$500.00} was removed  XXXX / XXXX / XXXX .
Consumer complaint received 2015-06-23
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (NY)

I settled an old credit card in 2001. This week a law firm and the XXXX XXXX office put a lean on my bank account. When I spoke to A rep from the law firm I informed him my account was settled in 2001. He nor his firm has contacted the XXXX XXXX office to let them know my account was settled almost XXXX years ago. How do I fight against this false claim?
Consumer complaint received 2021-06-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (VA)

Amerisave has not abided by its terms to make good faith efforts to close on my refinancing application despite my having turned in every requested document. It has been almost a year since I gave them my {$500.00} deposit and then locked in rates at historic lows. Because of their malfeasance, they did not timely close as promised in XX/XX/2021 and as an excuse, said the appraisal expired. They claimed they had to do another full walkthrough appraisal, but this is false. They should have ordered a simple drive by appraisal to assure my house was still standing ( it is ) before the expiration date. But, because the record rates had risen significantly after my lock, they had a financial incentive to drag their feet and not close. They then demanded I pay almost {$19000.00} more in up front costs for the same mortgage terms. Yes you read that right they asked for {$19000.00} above the locked agreement. 

Because rates were rising fast and I didn't want to restart the process with another lender, I attempted to negotiate a " meet halfway deal '' and they gave some signs of cooperation and then hit me with new unnecessary requests for documents when I had already been approved by underwriting the first time around. I nevertheless gave them every document and proof of income they asked for but still no closing date. I have a XXXX credit score so they should want my business, but now it seems they would rather keep my {$500.00} deposit and hope I just go away, which is of course, fraud. They have stopped responding to my inquiries, hence this complaint. Below are the licensed Amerisave agents involved in this matter who need to be held responsible. 

XXXX XXXX Branch Manager NMLS ID # XXXX AmeriSave Mortgage Corporation NMLS ID # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX NV XXXX XXXX Desk XXXX XXXX Mortgage Sales Manager NMLS ID # XXXX XXXX XXXX Processor AmeriSave Mortgage Corporation NMLS ID # XXXX
Consumer complaint received 2016-10-19
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NC)

I have been long time client of HSBC Premier Banking in the US. Apparantly, starting in XXXX of 2016 HSBC started charging me {$50.00} a month for a checking account. I received no notice from HSBC about this change, either USPS or email. They only contacted me once they put the account into an overdrawn status.
Consumer complaint received 2017-02-25
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: COMMUNITY CHOICE FINANCIAL, INC. (WI)

A company called Fast Cash Services claims that I owe them XXXX from an old outstanding debt and they want me to pay within 24 hours and the case will be downloaded and they will file suit in federal court in XXXX, FL. FCS Incorporated is the name of the company they claim to be working as.
Consumer complaint received 2017-02-09
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (TX)

Lender informed me that I had to pay a penalty ( of about {$400.00} ) for extending the closing date. It is of no fault of mine that the closing date must be extended. The extension of the closing date is due to lender. Lender was not able to order the final inspection until a notice was received by the seller that it had been complete. Seller did not receive the amendment for repairs until about a month after the initial inspection. That is where the main delay happened.
Consumer complaint received 2016-04-25
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CIT BANK, NATIONAL ASSOCIATION (FL)

I have been waiting for Financial Freedom to send out an Appraiser to perform a BPO so that I can refinance my deceased husband 's Reverse Mortgage. I have been approved by a lender to do so. I explained this to Financial Freedom. I was given a value before of {$100000.00} and XXXX % of this amount would allow me to pay the loan off altogether. I am a senior, but at this time I wish to payoff the loan in its entirety. I can not get cooperation with an appraiser/bpo or should I send my appraisal in? I need a response from Financial Freedom to pay loan off
Consumer complaint received 2017-04-29
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: EQUIFAX, INC. (MO)

Upon checking my credit report the following accounts have been removed from my credit report but the credit bureaus have not removed them :   XXXX   XXXX   for {$370.00} and {$560.00} were removed  XXXX / XXXX / XXXX   XXXX   (    XXXX   XXXX   ) for {$200.00} was removed  XXXX / XXXX / XXXX  and  XXXX   XXXX   XXXX  for  XXXX  {$500.00} was removed  XXXX / XXXX / XXXX .
Consumer complaint received 2017-02-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: CSO Financial (OR)

I have been and still making payments on my account. Every month. 
The company is not reporting my payments to the creditors. 
I have to call or write to the creditors myself to update the account and I requested that the company I deal with to send me a statement. Regarding my account with the full balance it is not on the statement. and now my account is in collections.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2016-08-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (SD)

I disputed an old Child Support case that by law should have been removed 2 years ago. I called the State that established and Closed the Case in XXXX. They said that indeed the case was closed, balance zero, and they were n't reporting it to any agency. I disputed it first with Experian in XXXX XXXX. They sent me a report stating that by law this case/account would be deleted 7 years after the case was closed and paid. So, by that it should be OFF my report as of XXXX, which it is not.