davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION (FL)

We have a 30 years 3.375 % mortgage with home value over {$280000.00} and mortgage balance less than {$100000.00}. On XX/XX/2020 we applied {$180000.00} mortgage with 15 years refinance fixed rate with Truist Bank ( Sun Trust ), which it offered 2.75 % with no point. On XX/XX/2020 we were informed  by Truist that our refinance application was conditionally approved by loan processor. Around XX/XX/2020 we were informed by Truist that the application was reviewed by underwriting team. On XX/XX/2020 we submitted more documents that Truist underwriting requested. On XX/XX/2020 Truist loan officer called and said we were not qualified for the 2.75 % fixed rate of 15 years mortgage, because our house is not primary residency according to Truist underwriting team 's investigation. Hence Truist offered us 3.1 % rate for the 15 years mortgage, which was way higher than market price. We refused the new offer because the house we applied for refinance is our primary home. Our current rate is 3.375 % with 30 years loan. We won't apply 3.1 % rate for 15 years loan plus over {$6000.00} closing cost if Truist informed us from the beginning. Truist sent out Credit Denial statement for our loan application dated XX/XX/2020. We have excellent credit which both are over XXXX. We believe Truist imposed higher rate to us due to our race ( we are XXXX and XXXX ). Truist underwriting officer spoke to us like we were alien who didn't understand her English, and questioned us like she was law enforcement officer. Not only her phone call had no caller ID and it was scratching with poor connection. We insisted we preferred email communication since we started the application. We sent two certified letter asking for the reason of credit denial on XX/XX/2020 and XX/XX/2020 without any response. On XX/XX/2020, Truist called and she pretended they didn't understand what we asked for. We had to send the 3rd certified letter on XX/XX/2020 to explain what we looked for. A letter dated XX/XX/2020 from Truist stated the refinance application was denied as Truist was unable to grant credit under the terms as a primary home. Truist changed the rate from 2.75 % to 3.1 %. We believe this is credit discrimination!
Consumer complaint received 2022-10-10
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. (IL)

I have filed multiple disputes and complaints with the XXXX  and XXXX dispute department. I informed them that this account was opened fraudulently and they have yet to remove this account from my credit file. I was informed that this account is accurate and belongs to me but have yet to receive any proof. 
I need this account removed and blocked permanently
Consumer complaint received 2020-11-23
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I disputed with the XXXX  and with the creditors the referred accounts, and requested proof of consumer contract and proof of payment history as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. Capital One Bank NA responded to my request that they were not able to send proof. Under Section 611 ( 5 ) ( A ) of the FCRA you are required to " ... promptly DELETE all information which can not be verified. '' I have disputed these accounts with XXXX  and they always respond that the creditors " VERIFIED '' the account. I HAVE NEVER ASKED FOR VERIFICATIONS, I HAVE DEMANDED PROOF OF ACCOUNT AND OF THE LATE PAYMENTS. NO PROOF IS EVER PRESENTED. 

THEY ALWAYS RESPOND TO MY DISPUTES WITH " ACCOUNT WAS VERIFIED. '' I DEMAND TO SEE PROOF!!!
Consumer complaint received 2020-11-23
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: Experian Information Solutions Inc. (CA)

I uploaded a letter to Experian, XXXX and XXXX  and asked if they could send me copies of the documents used to verify the accuracy of the account on DATE SUBMITTED. They sent me an alert which said the account was updated and the companies verified my accounts. I asked for proof of any files to verify these accounts and if there are not any, please delete these accounts. Experian, XXXX  or XXXX  does not have any files to verify these accounts, nor will they delete it.
Consumer complaint received 2021-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

The following account is not mine CAPITAL ONE BANK USA N Account number : XXXX Date opened : XX/XX/2017 Please remove it from my credit report This was unauthorized and against the law
Consumer complaint received 2021-05-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC (FL)

I took out a used auto loan with American Credit Acceptance LLC in XX/XX/2015. 
The interest rate was very high but I had terrible credit due to a divorce and bankruptcy so I was alright with that. I set up auto pay for my monthly payments which were due on the XXXX of each month. Almost immediately each statement reflected late charges and additional fees not to mention the interest charged was most times twice what was applied to the principle. This continued on for about a year and suddenly my statements only showed my payments being applied to interest only. I even paid well above the minimum payment for several months but it never went to the principle. I contacted ACA a few times but was never given a good explanation why this was happening and why the late/additional fees. I continued to make my payments for approximately another 3 1/2 years and gained very little ground on the principle. I lost my job and could no longer make payments but the vehicle should have been paid off by then. I received a repo intent letter and I jumped through hoops and was able to convince a family member to help me out with a settlement. I contacted ACA and made a fair pay off offer but they refused it. Covid hit and ACA had to pull back on the repo but they still contend that the only way I can get the title is to pay off the existing balance including all the late/additional fees that has accrued since this all began. The balance payoff is nearly as much now as the original cost of the vehicle. As soon as the Covid crisis is over and they can legally come after my vehicle they will initiate another repo attempt. I have already paid thousands of dollars over the original price and I feel that this company is heartless and predatory in nature and someone needs to stop them from continuing this way.
Consumer complaint received 2020-10-27
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. (TX)

I received an alert from Experian a few weeks ago that a collection item was added to my report but when I try to file a dispute online I receive a response telling me that I must call them ( Experian ) to dispute but when I call them, no one answers. Every number they provide is automated and no one ever picks up the call which is very frustrating and Im being denied credit because of the error on my credit.
Consumer complaint received 2021-01-04
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. (TX)

Errors on my report with following : 1 ) XXXX XXXX  2 ) XXXX XXXX / XXXX XXXX 3 ) XXXX XXXX XXXX XXXX XXXX {$170.00} 4 ) XXXX XXXX XXXX XXXX XXXX {$420.00}
Consumer complaint received 2021-01-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (TN)

On XX/XX/XXXX, I called Chase Mortgage to ask them to not issue out my XXXX property taxes out of my escrow. Chase had on record on my online account portal that they were going to pay my county 's trustee office for my taxes in XXXX of XXXX. The trustee 's office of XXXX XXXX in Tennessee is who handles my property taxes. The reason I was requesting this is because I was going to pay my taxes myself, due to refinancing my mortgage with another company. Taking care of my taxes myself would have made the refinance process easier. The person at Chase that I talked to stated that they would request that the escrow payment be put on hold. However, later on I found out that the escrow payment for my taxes had already been sent via wire by Chase on XX/XX/XXXX. The representative at Chase did not inform me of this at all when I called on XX/XX/XXXX. If they had told me this when I called, I would not have issued out the payment myself. But instead, my taxes were double paid, because of Chase 's failure to inform me that they already had paid my taxes. 

I have been in limbo now since then with both Chase and my county trustee office, trying to find my {$1100.00} payment that was issued from Chase. As of today, XX/XX/XXXX, both Chase and the trustee 's office can not figure out where that double payment is. The trustee 's office says that they have received nothing from Chase at all, on my behalf. They only have the payment that I had made myself on XX/XX/XXXX, right after I called Chase to request that they not issue the payment out of my escrow. Chase is saying that they wired the money to the trustee 's office on XX/XX/XXXX, and it has already cleared on Chase 's end. So basically, both parties are pointing fingers at each other, and I am stuck in the middle with {$1100.00} missing. I'm leaning towards Chase being at fault here, because my county trustee 's office took the time to manually go through every single payment that they have received from Chase since XX/XX/XXXX, and they have zero record that anything came from Chase on my behalf. Chase is basically throwing their hands up in disbelief, and keep saying that they are looking into it. I've been dealing with this since late XXXX XXXX of XXXX.
Consumer complaint received 2018-02-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BB&T CORPORATION (FL)

BBT securities exchange [ bank ] has admitted to paying a XXXX balance? can they show me with clarity how this was done? did they get paid first by beareu of fiscal services US treasury? or did they discharge it to my social security TRUST ESTATE ACCOUNT of which they are acting as custodial trustees behind my back, well at least we know now there are 2 ledgers they are keeping and full disclosure was not given to me because thier ledger is a secret, well i know all about the fraud and trix, theres no original instrument of indebtedness because they sold it, and after 90 days all negative balances are paid by insurance, they never tell you that, BECAUSE THE BANXTSERS ARE ALL XXXX XXXX LIAR THIEF CRIMINAL MISCREANTS, THEY STEAL FROM EVERYBODY ALL THE TIME
Consumer complaint received 2022-10-10
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: EQUIFAX, INC. (GA)

XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX, In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has 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 2019-08-19
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: WELLS FARGO & COMPANY (CT)

I had a mortgage loan with Wells Fargo. I just completed bankruptcy and it was discharged with no payments due in the spring of XX/XX/XXXX. Wells Fargo reported me delinquent by 120 days. They then sold this mortgage to XXXX XXXX who corrected their erroneous reporting, but Wells Fargo's erroneous reporting is still on my credit reports. This mortgage originated in XX/XX/XXXX and was modified by XXXX in XX/XX/XXXX. No payments were delinquent or late from XX/XX/XXXX to date.I have a second mortgage with Wells Fargo that originated with XXXX XXXX in XX/XX/XXXX. After the bankruptcy was discharged, Wells Fargo deleted that mortgage from my credit reports with the credit reporting bureaus. All payments for the mortgage were made on time during the 5 years of the bankruptcy and the year before when the bankruptcy had not yet been finalized (since XX/XX/XXXX).I sent a request to Wells Fargo three weeks ago to fix the situation. They then requested me to send them the same information I had already sent via the secure website. They then went on to add in their response that they had forwarded the information to the relevant department. The situation has not been resolved. Delaying a response is unacceptable.The reason we were in bankruptcy was that Wells Fargo denied a mortgage modification and then used their delay tactics to run up additional fees, interest, late payments, and attorney's fees.
Consumer complaint received 2020-10-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

We are a family of XXXX. My husband lost 2 jobs due to the pandemic and was told he did not qualify for unemployment because they were per diem jobs. This was a significant loss of income for us, but I still had my income from my job. We thought we would be able to pay all of our bills from my income, but our mortgage payment for XXXX went 30 days past due. We did not and have not since requested any type of payment deferment for our mortgage, and continue to pay on time. Bank of America 's statements sent to us all state " We're here to help. '' We requested Bank of America work with us this one time and give us an accommodation by reporting our mortgage as current. The late reporting for one payment dropped my credit score 70 points. We are a family of XXXX working hard to meet all of our obligations with the loss of 2 jobs during a global pandemic. We have been paying our mortgage and other bills and only asked Bank of America for this one time accommodation due to the pandemic. They denied our request. This drop in credit score is causing financial difficulty for our family. We understand we have a contract with Bank of America and that this is their normal policy, however given the circumstances we believe a one time consideration would not be an unreasonable request during such challenging times.
Consumer complaint received 2017-12-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (IL)

1 ) Before I went into repayment, I made a payment online ( {$2100.00} on XXXX/XXXX/XXXX ) and designated it go towards the 2 loans with the highest interest rate. The next month I checked and the loans still showed 'active ' but the payment was received. A month after that, I checked again and saw the funds were NOT applied to the loans designated for the money to go towards, but the entire balance. I DO have a screen shot of my payment and the loans it was designated towards as well as the confirmation number. I called Navient and they said someone would call me back regarding this matter, and as of 4 weeks later, nobody has contacted me. Navient purposely makes it hard to repay your loans, because if I pay the highest interest first, they do not make as much money. I will share any correspondence that I have an am interested in joining any lawsuit against them that pertains to misappropriation of payments made. 

2 ) Became unemployed XXXX/XXXX/XXXX and was told I was approved for deferment, received a letter and an email. I received a bill in the mail with a balance due, so I called and was told that I was on deferment, and that I needed to do nothing. I then have been receiving calls, and when I called back I was told that I need to provide proof of unemployment. I have been out of work for 3 months, and have been accruing fees because of non payment. Online, 2 loans show they are past due and need payment, and the rest are " payment due '' but have not been placed on deferment or forbearance. I was not told that I had to upload any documents, but when I called she let me know. Today I uploaded the UI document, and received a pop up message that my account will be updated in 10 days. I will wait and see, I guess. 

Navient needs to be held accountable for their illegal actions. Had I not checked or had a screen shot of my payment showing the loans I designated for payment, they would get away with it. This probably happens more often than not, and with the current financial aid repayment climate, this needs to be stopped immediately. The 6.8 % loans that I paid off would have an impact on the total that I would pay off in interest
Consumer complaint received 2022-09-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc. (NM)

I sent a debt validation letter requesting information to validate debt for accounts listed by Medical Revenue Service as : Act # XXXX {$360.00} and Act # XXXX. In return, I received a letter that contained my private medical records/information that is a direct violation of HIPPA privacy regulations ( please see attached documents ). I never signed a HIPPA form authorizing them to have access to this information.Also, there is a remaining account that is now listed on my credit as a derogatory, collection account that does not have an account number attached with it for sum of XXXX from XXXX XXXX I was never contacted about this account from the Medical Revenue Service.Since seeing this new derogatory collections, I have contacted the agency requesting validation of debt information and found they have an old address on file. This new derogatory acct in the sum of XXXX has dropped my score by XXXX points on XXXX. As such, I would need them to delete all information of these balances from their collection agency, remove derogatory collection reporting to the 3 credit bureaus, and cease all contact for the above noted accounts to prevent any further repercussion of accessing health information that I did not consent for them to to have and failure to allow me to validate the debt of XXXX that is now on my credit. *All documentation supporting previous complaint can be accessed from complaint XXXX
Consumer complaint received 2020-09-08
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: EQUIFAX, INC. (AL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report and to this day over 60 days later I have not received a response yet. Personally I feel like I'm being taken advantage of. Section 511 ( a ) it plainly states that failure to investigate these items within 30 days gives a reason to immeditately remove these items from my credit report but it has been over 60 days and they still havent replied so they should remove them promptly. I demand these accounts be deleted immediately or I will be forced to take action with the Federal Trade Commission. This has been truly stressful. My information was also impacted by the Equifax data breach and may have somehow gotten into the wrong hands. No matter what I need them to remove these inaccurate things from my credit report. It's ridiculous for them to have even taken this long to remove clearly inaccurate information
Consumer complaint received 2021-07-05
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: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2019-06-02
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: Experian Information Solutions Inc. (TX)

I have continuously contacted Experian as well as XXXX XXXX XXXX about this account that was part of a debt buying purchase. The account was initially opened with XXXX in XX/XX/XXXX when I purchased a 2007 XXXX XXXX. Last payment received XX/XX/XXXX and charged off XX/XX/XXXX. It was then sold to XXXX in XX/XX/XXXX, XXXX XXXX XXXX in XX/XX/XXXX and finally to XXXX XXXX XXXX in XX/XX/XXXX. I have contacted XXXX XXXX XXXX as well as Experian to advise them of incorrect credit reporting since XXXX XXXX XXXX is reporting currently that this is a new debt from XX/XX/XXXX so I am being denied credit to purchase a home because of this debt being re-aged. This clearly exceeds the guidelines outlined in the FCRA and yet neither company is taking any action to rectify this situation.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OPORTUN FINANCIAL CORPORATION (CA)

Dear XXXX XXXX, To whom it may concern at XXXX, To whom it may concern, at XXXX, I disagree with the account listed below which still appears on my credit report even after your investigation. I would like this item immediately reinvestigated. The inaccuracies are highly damaging to my credit score Oportun Progreso Finan Account number : XXXX in accordance with The Fair Credit Reporting Act the Public law XXXX, Title XXXX, Section XXXX, A-D, Please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me and updated copy of my credit report after your reinvestigation. 

I would also like your company to provide the copy of the check from an account that I've never had. In addition I would like to see a copy of the driver license which you state that was verified. 

I look forward to your prompt attention to remedy my request. 
Thanks, XXXX XXXX XXXX
Consumer complaint received 2022-04-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: FIRST HORIZON BANK (FL)

the bank tells us to use XXXX to make payments, they do not tell us that we have ZERO protection, no way to trace the money, no help from them if there is fraud. i got scammed for {$350.00} and the bank says so sad too bad