davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo Mortgage continues to charge Mortgage insurance at a higher rate and after 5 years and after I paid over 78 % loan to value ratio. My loan number is XXXX and FHA case number is XXXX. In addition, the premium I was charge was a higher loan balance but since I prepaid, the premium should have been lowered.
Consumer complaint received 2017-06-06
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. (NJ)

I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : 150 days past due as of  XXXX     2011  120 days past due as of  XXXX     2011  90 days past due as of  XXXX   2011  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.
Consumer complaint received 2021-05-19
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: EQUIFAX, INC. (NY)

I submitted an dispute to the bureaus 30days ago about XXXX  bill being reported on my report. This violates my privacy, my security and violates HIPPA which is against the law. I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records.
Consumer complaint received 2020-05-06
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. (AR)

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.
Consumer complaint received 2020-05-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (NY)

Following up on a complaint filed XX/XX/20 for Chase Bank XX/XX/XXXX : Visited and told to return the next day at XXXX after explaining my situation. 
XX/XX/XXXX : Arrived for my appointment - couldn't be helped. Removed cash from my account in order to have it in my hands given other than this option I had no access to it. Spoke with 2 reps in person - one was a manager of some sort - he could have cared less. They couldn't even tell me why my phone number linked to my account didn't work - which is why I couldn't handle this over the phone. I tried, but the rep stated my phone number was coming up as NOT registered to my account. It's the only number I have and was used to set-up this account remotely and Chase had already sent me an activation code using this line. 

Branch Visited : XXXX XXXX and XXXX XXXX, XXXX- XXXX - New York XX/XX/XXXX : Filed Complaint with CFPB XX/XX/XXXX : Chase Bank responded Manager I spoke with : XXXX or XXXX or XXXX   Direct phone # XXXX The manager had no additional information in regards to my account. Could not answer any of my questions in regards as to why my account is locked. Said he was not even aware of the problem and was simply told to 'give me a call ' and offered me an appointment with him personally. Now - that's nice if I was A. In the state and B. Had nothing better to do with my time than to visit their branch for a 3rd time during a pandemic. He offered to make me an appointment with a banker at the nearest location to me, which is XXXX, VT. Currently, an 1:20 min drive in one direction from where I current reside. He had no other solution to offer and told me to follow-up with him once I was back in the city. Maybe they could help then ...? 

XX/XX/XXXX : Chase bank responded and dismissed my complaint. 
XX/XX/XXXX : Complaint was closed by CFPB As of now - issue still exists. I have no access to my money via electronic payments debit card, online banking, and phone teller or rep.
Consumer complaint received 2020-05-01
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. (MO)

XXXX XXXX  Experian and XXXX should not be reporting a collection/charge off in the amount of {$1100.00} on the XXXX XXXX partial account number XXXX. This account was sold to XXXX XXXX on XXXX and therefore should be reporting a {$0.00} balance. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item should be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2019-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

my certified mail has yet to get signed for ( see attachment ) I used the address on the XXXX XXXX report and it's not a good address per the history on the usps
Consumer complaint received 2020-11-15
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (CA)

Card was opened in my name as a result of identity theft. Informed company that account wasnt opened by me and is identity theft back in XXXX sent a copy of my police report but claim was never reviewed. I have been reaching out since XXXX and each time was told not reviewed will forward now. Was recently told account matches with my phone, email, mailing and checking account. Sent in documents to show those account were also opened under identity theft and have been cleared and closed. No response for additional documents proving this account is not mine. In addition I was not living in the state where the account was opened since 2015.
Consumer complaint received 2021-09-02
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Student Assistance (AZ)

" AMERICAN STUDENT ASSISTANCE " HAS A {$160000.00} STUDENT LOAN " DEBT '' reporting on these credit bureau incorrect information a debt that does not exist. This is causing injury, and hindering my life as a consumer. XXXX XXXX, and XXXX  credit bureaus, continue to ignore all proof of claims regarding a dispute for over 6 months now with no response what so ever as well as continuing to report inaccurate information ( FCRA Section 611 Part ( A ) ( 1 ) ). I may presume that no proof of the alleged debt, nor thereof, any such debt, in fact exist. ENGELGARDT v. GRAVENS ( MO ) 281 SW 715,719. I have sent countless registered mailings, made phone calls, and have disputed properly online. In addition, refusing and ignoring proof of claims, to correct my information on all bureaus credit sites. I now am PETITIONING FOR ARBITRATION. As the company continues to falsely report inaccurate information in collusion with these third party credit bureaus and XXXX XXXX XXXX XXXX, as well as trying to collect SAID " DEBT '' with unfair debt collection practices in accordance to 15 USC 1692.
Consumer complaint received 2019-06-04
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: Experian Information Solutions Inc. (FL)

THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT. PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT.
Consumer complaint received 2016-05-30
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XXXX claims they are collecting a debt and or servicing a debt for XXXX as a result of transfer from Bank of America. XXXX has not provided a servicing agreement between them and the alleged noteholder. On XXXX XXXX, XXXX, XXXX 's counsel sent an abandonment of Acceleration referencing acceleration of XXXX XXXX, XXXX that was accelerated by their predecessor. Bank of America 's acceleration is irrevocable for the following reasons : 1. Bank of America exercised the remedy to foreclose on the propoerty on XXXX XXXX, XXXX. 
2. BOA 's agent executed a foreclosure deed on XXXX. 
3. XXXX was awarded Judgment of Possession on XXXX/XXXX/XXXX. 
4. I detrimentally relied on the foreclosure sale and subsequent post-foreclosure eviction. 
5. I filed a lawsuit on XXXX XXXX, XXXX, to stop a wrongful post-foreclosure eviction that is currently pending to date against XXXX 's predecessor.
Consumer complaint received 2015-08-02
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: PRIMARY RESIDENTIAL MORTGAGE (FL)

Mortgage broker XXXX XXXX neglected to inform loan applicants I a timely manner about closing cost and process. Loan broker informed loan recipients the night before closing about the how to pay closing cost the night before closing. The accepted form of payment required a wire transfer that required a in person signature at the loan receipents bank in XXXX XXXX XXXX, XXXX. Funds were verified XXXX weeks prior to closing therefore loan broker understood credit union not in XXXX where closing was scheduled to happen. Due to loan brokers incompentence and negligence, we were not able to close or receive any keys to the house. We signed the agreements but never received the paperwork or received any disclosures. We were told we have to have the money wired from that bank funds were verified in and we anticipated moving into our home Friday. Therefore all our belongings and cars and family of XXXX adults, XXXX XXXX and XXXX small kids ages XXXX, and XXXX were left stranded with no regard for our welfare. The loan broker never called back to give other options such as transferring funds to another bank, verifying funds there and then wiring the funds that morning. He expected that for us to travel back to XXXX to sign a document that could 've been completed before our travel to XXXX if the broker would have taken the adequate amount of time to inform his clients properly to be prepared for closing and to have a smooth transition into our new home. Now we have been stranded for over XXXX days and three nights, paying for lodging, food, gas and travel due to the negligence of this broker. This practice of business should not go unrecognized and I 'm sure he has done this to other consumers before. I am seeking monetary compensation for expenses incurred and pain/suffering. My kids have been crying and worried because we are stranded and homeless. This is business practice that is unacceptable and should be sanctioned. I believe he does not deserve commission because he did not complete his services and failed to notify us about closing process in a timely fashion because all of this could have been avoided. I emailed this broker and allies numerous of times in regards of this matter and he finally contacts me the night before about the closing process and the day of about the closing cost.
Consumer complaint received 2021-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (VT)

I noticed my credit score had dropped as I was looking into it its stating that I had a delinquent payment for JCPenneys. I do not have a JCPenney Credit Card, I have not purchased anything from JCPenneys in over 3 years. I have not received any mail or email from JCPenneys. There is so much fraud happening know and telemarketing going on it would be hard to say if they have been calling. I called the credit card company when I saw it had affected my credit score.
Consumer complaint received 2016-01-08
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My husband and I requested a loan modification with our Mortgage Lender ( Bank of America ) in XXXX for XXXX and XXXX loan. In XXXX Bank of America finally approved our Loan Modification request. Recently, I have been getting calls from a XXXX XXXX company stating they our Mortgage Lender to our home. We have been making out payments to Bank of America.
Consumer complaint received 2015-11-16
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

XXXX 2008 we requested a short sale from Countrywide on our XXXX XXXX property. We owed XXXX ; the offer was XXXX. We called and spoke with Countrywide Reps at least 50 times and were told it was being processed and then they sued us. The XXXX offeror gave up without an answer and bought another property. A new short sale for XXXX was presented. XXXX XXXX, Sr. VP Countrywide in CA called the buyer 's broker, told him to withdraw his offer, resubmit for XXXX and Countrywide would deliver the property. Countrywide also converted the property by locking us out, changing the locks and preventing us from selling to anyone. We wrote to XXXX XXXX, Bank of America CEO and send a complete file. a deputy called back, said they would check and we never heard from them again. Then BOA sold the mortgage to XXXX who added a new mortgage, perhaps XXXX XXXX. From 2008 until the present, we have never been allowed access to our home and XXXX has continued to destroy our credit beyond imagination. We now live in XXXX, are both XXXX citizens, and I am recovering from XXXX, XXXX 4 months ago. Saturday, we received a bill for over XXXX from the XXXX tax department for a property from which we have been prevented access for over 5 years. We have been harmed beyond imagination by a cadre of bankers and lawyers who ignored court rulings to review in good faith the offers we presented. We lost untold thousands of dollars not to mention an inability to protect our future, whatever it is. I have documentary proof of what I have written, names and numbers.
Consumer complaint received 2020-08-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (NJ)

I have contacted them several times about unapplied payments on my car loan. They are saying I never made my XXXX payment. Which I have sent over documentations of my bank statement my account tracking number and I have called numerous numerous times and Im getting nowhere with them. My bank says they got their money but Ally financial is saying they did not receive my money and they are porting it to the credit bureau that I miss my payment. On top harassing phone calls, Emails and text messages stating that my XXXX payment is past due ... Top of I have two contracts from the same company with different amounts
Consumer complaint received 2017-06-06
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: Auto Trakk, LLC (FL)

I had an auto loan ( which I later discovered was actually a lease ) through this company. The vehicle was covered with GAP insurance as required ( which I received through the company they got me approved with ) It was my first car with a payment so I had no idea that they were misleading from the very beginning. During my term, the vehicle was involved in an accident in which it was a total loss. I was told that the car would be paid off ( as it was not my fault -- and my insurance company paid their portion ) and the GAP insurance would cover the rest. As far as I knew the obligation was satisfied in full until I received a copy of my credit report showing this as a charge-off. At this point, this derogatory mark is affecting my credit situation and the issue was supposed to be resolved. I never received any paperwork stating that I had any further obligation so I just do n't understand what is the deal. I attempted to file a complaint with the BBB but they show NO RECORD of this company. I am currently looking at their website! How could this be??? Please help!
Consumer complaint received 2024-02-28
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)

There still remains a collection account and fraudulent inquiries on my credit report. 

Under the stipulations of 15 US Code 1681i ( 6 ) ( B ) ( iii ), it is mandated that consumer reporting agencies are required to furnish a written notification to a consumer ( in this case, myself ) upon request, detailing the methodology employed to verify the accuracy and completeness of the information on record. This includes providing the name and address of any information provider contacted during the verification process, along with their contact number. Over XXXX days ago, I solicited documentation to substantiate this account, yet I have received no documentation. Without legitimate proof backing this account, it has no basis to be included in my credit report. 

Collection Account : XXXX XXXX XXXX XXXX The listed Inquiries were without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Report Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in these unauthorized credit inquiries. 
Inquiries : If you find that I was not the one who authorized these Inquiries. I ask that it be removed immediately from my credit file. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within XXXX days of receipt of this letter. 

EQUIFAX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (ID)

On XX/XX/21 I applied to Citi for a new consumer credit card. Citi denied the card under fraudulent representations of fact. Citi pulled a consumer credit report and claimed to deny the application in full or in part based on the data provided. This however directly contradicts their own cited rational for the denial. Over 11 years ago, I did declare bankruptcy - a bankruptcy that Citi is using against me. Citi does not disclose or acknowledge that a bankruptcy will create a denial. This is exceptionally misleading as the credit bureau on which Citi relied could not report a bankruptcy as it was more than 10 years ago fully discharged. Citi also claimed that current accounts have a history of late payments - a claim factually repudiated by the very credit report on which Citi claims to have relied and show a perfect payment history. Further Citi cited a restricted credit priviledge on existing accounts ; such information is not part of the credit bureau record. 

Citi, pulled a credit report and claimed to rely on that data, but rather than truthfully use that data they relied solely on their own records to deny credit. These are terms which could and should have been readily disclosed in the application, there was no reason to pull a report when they intended to deny the application on internal data alone and reasons that could have easily been avoided by the applicant. 

Further, Citi provide and XXXX number for questions and assistance. The number for customer service and the number provided on the credit denial both resulted in numerous automated system hangups and no ability to reach a real person or obtain staffed service hours. The number provided is merely an automated system that will not connect to a person, hangs up on you when it is done reading the already sent letter verbatim. The is not customer service, it is the complete lack of service. 

Because I have another account with Citi, I was able to access the fraud department on XXXX, which connected to a real person. Connecting a real person in applications, remained a time consuming challenge.
Consumer complaint received 2019-06-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

I had a credit score of 815 or better. A charge to a forgotten XXXX credit card was never billed for 3 months. My husband found the charge while making payments on another account. We were never notified about the original charge of {$10.00}, that ballooned to {$23.00} in 3 months. The charges were eventually dropped with XXXX, but the damage is done with my credit. 
I now have a XXXX score. That is not fair. I've worked very hard to maintain any and all of my accounts.
Consumer complaint received 2020-08-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (PA)

BSI Financial does not seem to be a reliable mortgage servicer for escrow payments. After I refinanced 3 months ago, they were assigned as my servicer. Around this time, my annual homeowner 's insurance premium was due. They underpaid the amount due by {$36.00}. This led to multiple letters from my homeowner 's insurance company threatening cancellation. I was finally able to get into contact with someone 25 days after the initial premium was due, and 5 days before the policy was scheduled to be cancelled due to non-payment on XX/XX/2020. 

BSI had the nerve to send me a letter that they would need to purchase homeowner 's insurance on my behalf due to the upcoming cancellation of my policy. 

The insurance company sent BSI a fax XX/XX/2020 to notify them of this, and I emailed XXXX on XX/XX/2020 after I was notified that the payment was not processed. To this day I have not received a response. 

In this email on XX/XX/XXXX, I also requested that they pay my property tax bill, which is due XX/XX/2020. No response. 

I sent a reminder email through the XXXX message center, but I can not access the record of the sent email due to the poor quality of the website. 

The whole point of escrow is to protect the lender against foreclosure due to non-payment of insurance/property taxes. I can guarantee I would be more reliable at paying the bills than BSI.