davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (CO)

We having trying to get a payoff statement since XX/XX/XXXX to close on our refinance. Our broker at XXXX XXXX in XXXX, CO began the process, all approved and under written, no appraisal needed, we are now just waiting for the payoff. We personally requested after XXXX XXXX, our broker contacted us stating he was not having any resposne from XXXX XXXX XXXX. We requested again, on Friday XX/XX/XXXX for the payoff to be sent via email ( stated would take 3-5 business days XXXX, again requested via phone with an agent to be faxed on Monday XXXX, XXXX. called today and they stated there was an issue with the payoff balance that it has been escalated and referred to someone else and can not contact them. It will take more time .... We requested the statement through XX/XX/XXXX since we thought we would have closed earlier this month - very easy refi, good credit, lots of equity, etc. 

We are leaving on Monday, XX/XX/XXXX inlate afternoon and WILL NOT have access to phone or email as we are on vacation in the wilderness through Friday. We need to close before we leave. 

This will cost us more money, not to mention going through the process again for a later date if not resolved. 

This is unacceptable for anyone trying to refinance. Normal time is XXXX XXXX for a payoff. This should not be so difficult and frustrating. Are they trying to make all the interest they can while inconveniencing us?? What can we do? 

Not sure if XXXX provides regs for timely turnaround for payoff statement, but we are now having to push off our closing once again that will cost us more money and potentially waiting even more, since the payoff notice was requested through XX/XX/XXXX. 

What recourse do we have. This NOT right. Please help.
Consumer complaint received 2017-02-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

ON XX/XX/XXXX AN OFFER WAS SUBMITTED FOR A SHORT SALE IN THE AMOUNT OF {$600000.00}. this WAS THE RESPONSE ASKING FOR A HIGHER OFFER BASED ON A DRIVE BY APPRAISAL NOT GIVING ANY CONSIDERATION TO THE ACTUAL CONDITION. ( I am the negotiator for the first lien on the above referenced property, and I have reviewed the offer received from XXXX in the amount of {$600000.00}. Please be advised a written counter offer letter was sent to the Seller XXXX XXXX ) with the following information. 
At this time, the offer received does not provide sufficient net proceeds to be able to accept the short sale offer. Please reach out to the buyer 's agent and counter to the XXXX amount of {$860000.00}. We will need to obtain an executed addendum and XXXX reflecting the counter offer no later than XX/XX/XXXX to continue the review. If you are unable to obtain the amount above please submit the highest and best offer from the buyer XXXX XXXX ) so that we can make our final decision. Please be aware that an offer below the amount above may result in a decline of the short sale. Please be advised that a full appraisal was completed in XX/XX/XXXX and the full value came back at $ XXXX. A recent desktop appraisal was completed on XX/XX/XXXX and the value came back at $ XXXX so the offer of $ XXXX is pretty far off from the current value we would like to see an offer closer to the $ XXXX based off of the full appraisal value. ) ON XXXX A NEW INCREASED PURCHASE OFFER OF {$670000.00} WAS SUBMITTED INCLUDING THE MOST RECENT COMPARABLE SALES ( SHORT SALES/ FIXERS ). AT WHICH TIME THEY SENT AN INDIVIDUAL WHO HOLDS NO INSPECTION CERTIFICATION OR APPRAISAL OR CONTRACTORS LICENSE TO DETERMINE IF THE DAMAGE WAS SUFFICIENT TO REQUEST A NEW INTERIOR FULL APPRAISAL AND NOT A DRIVE BY OR SUBJECT TO VALUE AS THOSE VALUES ARE BASED ON MARKET CONDITION HOME SALES. THE INDIVIDUAL WAS GIVEN A COMPLETE PACKET INCLUDING AN INDEPENDENT APPRAISAL, HOME INSPECTION, XXXX REPORT AND CONTRACTORS ESTIMATE OF REPAIRS INCLUDING PHOTOS AND SHE DENIED THE NEW APPRAISAL AS SHE FELT THE PROPERTY WAS IN GOOD CONDITION?? I AM TODAY RESUBMITTING THE PURCHASE OFFER FOR A SECOND TIME AND AM EAGER TO SEE WHO THEY SEND OUT THIS TIME ( A LOAN XXXX? ) THERE IS A SALE DATE SCHEDULED FOR THE XXXX OF THIS MONTH SO I WILL WAIT AND SEE WHAT EXCUSE THEY GIVE OR COUNTER WITH. I HAVE BEEN NEGOTIATING FOR SEVERAL YEARS AND HAVE NEVER HEARD OF A LENDER SENDING AN UNQUALIFIED PERSON TO GIVE AN OPINION AS TO WHETHER THE HOME MEETS THEIR STANDARDS FOR A SHORT SALE OR A NEW UPDATED APPRAISAL. I FEEL THAT THIS WAS A COMPLETE WASTE OF TIME TO HAVE BEEN DETERMINED BY A HIGH PRICED SECRETARY WHO ALSO STATED THAT SHE HAS BEEN PERFORMING THIS SERVICE FOR MANY YEARS. I WONDER HOW MANY HOMES SHE HAS CAUSED TO GO INTO FORECLOSURE SALE WITH HER NON ACCREDITED OPINIONS. WELLS FARGO HAS HAD MANY ISSUES BOTH PAST AND PRESENT REGARDING FAIR PRACTICE AND I FEEL THAT THIS SHOULD BE LOOKED INTO.
Consumer complaint received 2017-10-13
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NJ)

Best Buy issuer, Citi, has not processed my request to obtain a copy of the Card Members Agreement to formally dispute an Adverse Action taken against my Open Credit Line. The bank has misled me with their processes which have led to the not fulfillment of the CMA. Attached is evidence of the above mentioned.
Consumer complaint received 2017-08-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Diversified Consultants, Inc. (CA)

I already told them I have no money and they need to stop, calling, harassing me. I have told them 3 times to take me off their call list and they just keep saying it takes 24 hours, I told them that 's fine just take me off. They threaten it will go into collects and on my credit report so I told them to let it because I have no money, but they repeatedly and continuously keep calling. They, a female & male representative start yelling and saying I have to pay something. I 'm barely making in paycheck to paycheck I have no extra money. I 've already told them multiple times when & if I get extra money I will call them, but they refuse. XXXX XXXX XXXX. They call me EVERYDAY ... 3-5 times a day throughout the day & evening. Diversify Consultants. I loose sleep and get awakened from sleep because they refuse to stop calling. This has been going on for well over 6 months now.
Consumer complaint received 2022-02-08
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I've attempted numerous times to get this report squared away but, I can't seem to get any help. There is incorrect information still on my report... Please only respond and correspond through CFPB if you attempt to contact me through any other means besides the CFPB portal, I will consider it harassment.
Consumer complaint received 2015-07-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Millennium Credit Consultants Inc. (MN)

I have received several calls to collect a debt. I would be fine paying the bill if the person on the other line had n't called me offensive names and threatened to sue me. When asked to speak with her supervisor she has been belligerent and rude. I am uncomfortable receiving calls from this company. They have called me several times a day for the last three weeks.
Consumer complaint received 2018-03-16
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: Neon Newco Corporation (IA)

This is simple. I have had an account and direct deposit for years. on XX/XX/18, I spent close to {$1000.00} in one day, ( which I normally do not, but had been saving for some home items I wanted. During one of the transactions, my card was de-activated while trying trying to pay for my items and the transaction was declined. 
I left the store, went to the ATM and it said the card was de-activated. I called XXXX ... .and was told that they shut the card down thinking it was fraud. I explained that it was me - verified all their informtion and the card was re-activated. They told me I should have received a text message whent the deactivation happened, which I did not. BUT they have been sending me information from a cancelled card and not the active card for months. I only get my deposit information via text. When the card was re-activated, I did get a text stating that. 
The next day, I attempted to log online. And my account had been closed. I called them and they told me they closed that account and I did not qualify for an account anymore and they would send me a check for the funds in my account. This left me with no access to any money at all.
Consumer complaint received 2015-12-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

The credit bureau would not properly investigate the public records that are not mine according to the State of XXXX Department of Treasury and the XXXX County Court Clerk recorder, whom they did not verify any information with. It is against the FCRA to deem any public records as valid without contacting the source. The court stated that they do not verify any information with any of the credit bureaus. 
I sent the investigation in accordance with the Fair Credit Reporting Act, Section 1681i., and they refused to respond and have broken the law once again. All letters have been sent certified as documentation.
Consumer complaint received 2022-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX, Chase attempted and failed to debit my bank account for an autopay transaction due to insufficient funds. On XX/XX/XXXX, Chase attempted another debit which completed successfuly. Regardless, I was charged a returned payment fee and interest on the balance. I contacted Chase over the phone and was connected to a support agent. I requested reversal of both returned payment fee and interest charges and I was only granted a reversal of the former, which I accepted. I then inquired whether any residual balance remained that would collect interest. The agent told me that there was no revolving balance that remained. On XX/XX/XXXX, I was charged interest once again, suggesting that the agent misinformed me. I reached out to Chase on XX/XX/XXXX through secured message asking for reversal of this interest charge and the company refused and did not address the content of my message, simply explaining what residual balance was, so all I received was a boilerplate response and no clear interest in resolving the issue. I have no idea whether my balance is still collecting interest or what is going on and I have no confidence in support agents ' ability to answer accurately.
Consumer complaint received 2016-07-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NJ)

I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2016-07-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This case was proven to be one that involves the theft of my identity. The original creditor states that they instructed the major consumer reporting agencies to delete all reference to this account from my credit file and I would like assistance from the CFPB to ensure this is completed.
Consumer complaint received 2015-06-29
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (CA)

Experian shared my private information on XXXX different times with XXXX different agencies. XXXX was XXXX XXXX in XX/XX/XXXXXX/XX/XXXX, and XX/XX/XXXX .Number XXXX was XXXX XXXX XXXX in XX/XX/XXXX XX/XX/XXXX.The XXXX XXXX was XXXX XXXX credit department.They shared my private information without my consent..im very upset about this. they have no right to share my private info without my consent thats my complaint.
Consumer complaint received 2017-03-14
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: JPMORGAN CHASE & CO. (CA)

I filed a dispute with Chase XXXX re : a charge from XXXX Hello, This dispute has been going on for 3 months now and I expect this to be swiftly handled by the Chase team. I am explaining the entire dispute here AND have attached all supporting documentation. 

XXXX/XXXX/XXXX - Reservation booked through XXXX XXXX for {$950.00} ( attachment pages XXXX ) XXXX/XXXX/XXXX - XXXX changed my reservation without consulting me to XXXX ( attachement pages XXXX ) XXXX/XXXX/XXXX - I called XXXX regarding changed reservation since it was not the reservation I paid for. XXXX offered to refund the reservation instead since they could not honor the original reservation. ( attachment pages XXXX ) XXXX/XXXX/XXXX - Followed up with XXXX who said the reservation had been refunded to my original credit card. ( attachment page XXXX ) The refund email clearly shows that the amount has been refunded to card number ending in XXXX [ Chase XXXX XXXX Card ] So, in this entire ordeal, which merchant is lying to the consumer. Either XXXX or Chase is. If you would like further documentation, please contact me at XXXX XXXX. 

Regards, XXXX
Consumer complaint received 2016-06-16
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (TX)

I contacted Experian on XXXX XXXX, 2016. I disputed items on my credit report and asked that the items be corrected and updated. I called them on XXXX XXXX, 2016 and spoke with a representative as well as a Supervisor and asked them to remove the items due to the Fair credit Reporting Act as to there failure to respond in a timely manner.
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MO)

Yesterday, XX/XX/2023, I opened disputes online with Experian because I noticed 17 addresses that were attached to my name but do not belong to me. So I began to dispute the incorrect personal information. Some information they would not allow me to dispute some online for unknown reasons, so I was able to dispute all of the information. 

Today the disputes were concluded and I noticed that even though I listed the addresses as inaccurate, Experian is attempting to hold onto information by simply updating the data instead of deleting it and I do not know why. 

The following information is not mine or has been updated from data that was stated to be inaccurate previously : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Also, Experian does not allow personal disputes for personal details and I do not know how else to remove personal information that is not mine. At this moment, I know my rights are being violated and I have attached proof of this below.
Consumer complaint received 2015-10-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (NY)

I have been disputing with Equifax over my XXXX XXXX account. I have spoken with XXXX XXXX and the other XXXX credit reporting agency have removed the XXXX XXXX from my report. I am on a payment plan with XXXX XXXX I have to pay them XXXX per month. I have spoken with XXXX manager and she said that it has been reporting it correctly that I am paying on time each month. There is nothing in my file with XXXX XXXX that says I am 120 days past due. On my equifax report it states that itis 120 days past due and it is hurting my credit score. My credit score with experian in XXXX and XXXX with equifax. I need this removed from my credit report or say I have been paying agreed and not late and an updated credit score. this is not fair. I also am having another issues with equifax on its reporting and will be disputing incorrect information on my report.
Consumer complaint received 2017-02-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (CT)

my experian credit score drop XXXX points and I have done nothing in past XXXX days to make it go down. 
I have been making payments on tradelines on time and never late over XXXX years my score was at XXXX in XX/XX/XXXX in XX/XX/XXXX drop to XXXX and in XX/XX/XXXX drop to XXXX I received a copy of my credit report from annual credit and their has been no Identity theft the only thing on Experian is my ex wife name is on it and a few inquiries I do not " recognize '' and I have been legally divorced since XX/XX/XXXX she should not be on any of my credit reports I have spoken to " experian '' and they said something about a segment program that they use to calculate my score that uses other people score in my category and that the older anything negative on your report is the stronger it is thought it was reverse I thought that my score was based on individual credit behavior not anyone else I feel like I can not get my score past XXXX even though I have paid my current obligations on time never late for over XXXX years VERY DEPRESSING I ask that this agency investigate my claims
Consumer complaint received 2017-02-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC. (PA)

PNMAC MORTGAGE XXXX XXXX XXXX, XXXX, AS A SUBSIDIARY PNMAC XXXX XXXX, XXXX XXXX, XXXX COUNTY COURT OF COMMON PLEAS AND XXXX XXXX XXXX & XXXX filed an illegal foreclosure action in a non-competant judcial XXXX defined in XXXX XXXX XXXX XXXX a ) ( b ), which is outside the district to the United States XXXX PNMAC MORTGAGE XXXX XXXX XXXX, XXXX is fully aware that such attempts to avoid federal laws of the United states regarding interstate commerce, obligations of the United States is illegal. XXXX COURT OF COMMON PLEAS IS NOT a state defined in XXXX XXXX XXXX ( XXXX ), however is not exempt pursuant to XXXX XXXX XXXX. Accordingly under federal law and statues of the United States, constituions, consumer federal law preempts any state law that is inconsistant with federal law that provides less sufficieny in terms of consumer protection.The actions taken by all parties the consumers were upon private instruments, assets, consumer accounts, within interstate commerce, which are in facts obligations of the United States. Therefore, Defendants foreclosure upon, bringing suit against, seizing or by disablement, dispossession, accounts, instrumentalities of the Unites States, which includes the consumer. XXXX county court of common pleas would lack any jurisdiction, competently or otherwise, to engage in any acts against the United States. Defendants Failed to obtained prior consent from the Consumer, or permission from a proper, competent judicial court, district, before engaging in such acts. It is believed that defendants are acting on the false notion that the consumer is some sort of artificial entity, citizen, or other, corporation formed under their a XXXX XXXX laws. Therefore, XXXX Court of Common Pleas is properly defined as a debt collector, XXXX XXXX XXXX ( a ) ( XXXX ), collecting a debt defined in XXXX XXXX XXXX ( XXXX ). And not exempt under XXXX ( XXXX ) ( c ) .Conseuqently, and knowingly, no evidence has been presented to support this presumption. The consumer is not a citizen, state citizen and such creation of an entity without knowledge and consent is of the consumer is fraud, even criminal.
Consumer complaint received 2015-11-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

XXXXSOC SEC # XXXX DOB XXXX XXXXTo Whom it May Concern : Equifax XXXXI recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 
Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XX/XX/XXXXCompany Information : XXXX XXXX Date of Inquiry : XX/XX/XXXXCompany Information : XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXXCompany Information : XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXXCompany Information : XXXX Date of Inquiry XX/XX/XXXX, XX/XX/XXXXCompany Information XXXX : XXXXDate of Inquiry XX/XX/XXXXCompany Information : XXXX BANK Date of Inquiry : XX/XX/XXXXCompany Information : XXXX XXXX Date of Inquiry : XX/XX/XXXXCompany Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXCompany Information : XXXX Date of Inquiry : XX/XX/XXXXXX/XX/XXXXCompany Information : XXXX Date of Inquiry : XX/XX/XXXX Date of Inquiry : XX/XX/XXXXCompany Information : XX/XX/XXXX Date of Inquiry : XX/XX/XXXXCompany Information : XX/XX/XXXX Date of Inquiry : XX/XX/XXXXCompany Information : XX/XX/XXXX Date of Inquiry : XX/XX/XXXXCompany Information : XXXX Date of Inquiry : XX/XX/XXXXCompany Information : XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXXPlease remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXXSOC SEC # XXXX DOB XXXX XXXX