davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-12
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. (NY)

I have been battling these unverified and inaccurate accounts for awhile now and these haven't been proven whatsoever. The information across the reporting bureaus are different from each other implying that these accounts have different values and information. Please remove the negative accounts right away. 

Also, there are some unauthorized inquiries that I don't recognized.
Consumer complaint received 2021-05-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PACIFIC WESTERN BANK (CA)

In XX/XX/XXXX of 2021 the financial Company that we have had borrowed cash on the equity portion the contract ended, they did not renew, they did not accept additional payment since we have sold the house and we informed them that we are selling the house and due to Covid-19 Many as us facing delays from appraisal, evaluators, buyers, Mortgage company etc., we have again on many occasions informed them we are facing delays to close, they were charging fees late payment which we did not have any payments since they did not renewed and we informed the Tittle we are awai9ting from the financial institution on escalated fees final payoff do not pay the XXXX in charges in a month or so, the financial company delayed the escalation and revised amount, m title company paid without approval on the amount and revised and or negotiations, now between 2 months we have paid payments and fees and interest close to {$31000.00}, they totally ignore us and do not reply, please need your help
Consumer complaint received 2018-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank Of America Home Equity is Reporting Incorrect Info on Credit Report, Reporting ( 3 ) different Reports to each credit Bureau, All different reporting Good Months on XXXX and Showing 30 days late on same month reported good to other bureau, Bank of america balance due is also different then credit report balance, shows XXXX but Bank Of America Shows almost 80 a month, I Paid XXXX XX/XX/XXXX for XXXX and XXXX payments and did through window with teller, and XXXX showing 30 days late. How is this possible if i made a XXXX payment for 2 months at a time for a XXXX payment, An example they showed me late XXXX on XXXX and for same month reporting to XXXX im clear, In XXXX alone i have made XXXX in payments toward bill like i let the teller know when they take my payment for a XXXX bill that does not total XXXX in a year how is it possible to be late 3 out of 6 months, its not my fault teller put payment to principal not my payment, This has really messed up me getting a mortgage due to Mortgage lenders seeing me late on a XXXX payment for Home equity, this is unfair and does not make any sense, let me not get started how now they opened the account that has been closed for years and inside teller they say there a finance charge when account was closed forever, misterically is now open again, bank of america is fraud itself and should be looked at, Lets goto XXXX they had me late the whole year however show payment history, keep in mind the payment is XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX however on Credit Report showing late the first 7 months how is this possible with those payments, i dont have online banking they say my account is closed so i need to pay with teller where is teller putting my payments im trusting another person who does not care about me.
Consumer complaint received 2018-07-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (CA)

A few months ago Quicken Loans contacted me in regards to refinancing my loan to pay off debt and take some equity. I should currently have a 4.1 or maybe its a 4.2 interest rate, so when he told me that the {$20000.00} I wanted to take would increase my rate to 4.75 I said NO THANKS! Thats not a deal. Fortunately, today I looked at my statement and I see an interest rate of 4.75. Im like OMG! What happened! I then recalled the phone conversation of the guy trying to get me to refinance. So I logon to Rocket Mortgage and I see that my old loan was closed ... and it shows a date of XX/XX/XXXX! I never did this!! Im sooo upset!! I have 2 properties with Quicken and I refianaced them at the same time. I just looked at my other property info and it was refinanced XX/XX/XXXX ... .so thats when both properties were done. How can they do this to me and change my interest rate? What if I had not seen the mistake ... then what? What if I was the elderly ... and I didnt notice the mistake. This is sooo wrong! Just prior to sending you this email I sent an email to Quicken, so Im waiting to hear their excuses. Ugh!! Im so XXXX off! Please help! THANK YOU
Consumer complaint received 2018-07-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (VA)

On numerous occasions, PNC representatives had made monthly payments on HELOC loan ( acct # XXXX ) nearly impossible. Due to prior bankruptcy in 2009, they do not have to provide statements of when or how much payment is due. On several instances, they refused to accept payment on account from my wife as she is not on the loan account. Being a HELOC loan, the amount due changes monthly and they will not divulge if the payment is sufficient or not. This may or may not have led to my prior dispute of erroneous negative information appearing on my credit report of over 12 months of being late on my payments. While trying to pay off primary mortgage and HELOC loans, PNC was very restrictive and uncooperative in providing information. They have not provided history of payments as requested by myself and prospective loan officer. As of this date, they are still holding up closing on a refinance loan due to erroneous negative information on my credit report and refusal to provided payment history and payoff information.
Consumer complaint received 2018-07-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (FL)

My mortgage was sold effective XX/XX/2018 by XXXX XXXX XXXX, XXXX to Shellpoint mortgage servicing. I had made an agreement with XXXX to pay {$300.00} per month for 12 months ending XX/XX/2018. I made those payments on time and as agreed. Upon taking over my mortgage, Shellpoint began sending correspondences and calling me demanding higher amounts. Their representatives continually claimed I was in foreclosure and hadn't made a payment in 15 months. The payment amounts have varied radically from {$490.00} to {$510.00} to {$690.00}, {$710.00}, and {$810.00} in a statement dated XX/XX/2018. I have lived in my home for 20 years and these threats and correspondences have me in fear they will take my home. I am retired, or so I thought, on social security of {$1300.00} per month.
Consumer complaint received 2018-07-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (CA)

On XX/XX/18 I went to the US Bank, atm, located inside a grocery store at XXXX XXXX XXXX XXXX XXXX, Ca XXXX. I requested {$780.00}, using my XXXX XXXX XXXX, card, which is an online bank that my paychecks are deposited to. Instead of the requested {$780.00}, only {$400.00} came out of the atm. The printed reciept also showed {$400.00} had been paid out. I thought that maybe the banks atm, had some maximum withdraw per transaction, limit, so I tried my card again for the additional {$380.00}. I got an error message. When, I looked at my statement, on my phone, it showed, that the full amount of {$780.00} had been deducted from my account. So, I brought the paper atm reciept, and the transaction report on my phone, both time and date stamped to the tellers attention. Since, it was their atm that did the XXXX up, I asked that they, correct the issue immeadietly. I was then informed, that the atm reconciliation happens at the end of the week, and that the disputed amount might be found then, but Id have to wait. It was then suggessted, by the bank that is responsible for the error, that I contact my bank and file a dispute. So I did that only to be told the process could take up to 10 days to resolve, and then and only then would my missing cash or a provisional temporary credit would be put into my account. I went back to the branch where the atm is, and said niether instituition is taking responsibility for how I am faring here. I have an overdue car insurance payment, and pending hitel reservations to pay for. Still all I got as a response was cool indifferrence.
Consumer complaint received 2018-07-20
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

To whom it may concern, My name is very common, it is in the XXXX community the same as " XXXX XXXX '' So from time to time I have had erroneous information on my credit report that I have been able to clear by contacting the creditor directly. in this case, I had this collection show up on my credit for XXXX XXXX XXXX, and I have no idea what this is so I contacted the creditor and was told " I don't care if this is your debt or not, pay it and we will take it off your credit. Don't pay it and it will ruin your credit! ''
Consumer complaint received 2023-01-12
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. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I do not recognize these accounts. This is purely identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-09-13
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: MIDFIRST BANK (CA)

I am currently in the middle of a refinance with another lender and Midland mortgage has made it a pain to try and get documents for me to close on my refinance. Ive requested a document which we are going on a months time and still havent received it. I feel like they are preventing me from refinancing the loan and have been the worst mortgage company Ive dealt with. Every time I call no one is capable of helping me or sending me the right documents. We are in 2021 I shouldnt have to fax things over and hope they receive it since I do not get any confirmation. Im hoping they can get their things together and look to help out their own customers. It makes me very upset since its costing me money every single day that I have to wait for them to send me something that is so simple and could be easily emailed over even if its in a few days NOT MONTHS! Midland mortgage has been a pain!
Consumer complaint received 2018-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

On or about XX/XX/2018, I discover throughout a credit report alert that my credit score went down from XXXX to XXXX, that also I was behind more than 60 days with my closed credit card business account with XXXX XXXX XXXX XXXX. 
I closed this above account on XX/XX/2018 with XXXX owned balance. 
I closed it because of multiple charges of XXXX XXXX insurance that I did not authorize. 
This account is a business credit card opened with a Tax ID number. 
On XX/XX/2018 my new payment due was zero and the account was closed.See exhibit 1, also the unauthorized two payment transaction to XXXX XXXX were refunded to me. 
On XX/XX/2018 XXXX XXXX XXXX XXXX XXXX report for the first time to the three credit bureaus XXXX XXXX AND EXPERIAN a 120 days plus overdue account referred to collection with the amount of {$510.00} for a bogus payment to XXXX XXXX, plus fees, for a non existent payment that XXXX XXXX did not receive at all and was not authorized by me and it was already refund it back to the account in two previous occasions. 
On XX/XX/XXXX to avoid collection and further credit score damage, I paid the remaining bogus balance knowing that It was a fraudulent collection and late fees. 

I demand an investigation.
Consumer complaint received 2017-09-21
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL (SC)

Last month while on Synchrony Lowes credit card payment site to pay my bill I noticed a drop down box where payment options were which I had never noticed before. My checking information is present in that area. I clicked on it and saw that there was another checking account below mine that was available to pay my bill with. Problem with that is we do not have a second account. I called and spoke with them and they assured me it had to be mine as they ca n't see my account information. I called my son as he is a XXXX to my husband being the XXXX and found that he has a Lowes card as well. It was his account information on my account. He does n't live at our address nor has he since he had that account. Never has he paid his bill from our computer nor have we from his. After going back and forth and taking a picture of this I deleted his checking account info from mine. Yesterday I got on Synchrony JC Penney credit card payment site to pay my bill. Again I noticed a NEW drop down box. My son 's information is on our account on it as well. He has NEVER had a JC Penney account. I called and was assured it was n't them. It had to be our bank that went into Synchrony 's credit card sites and added their information. Really? I asked for a supervisor, spoke with her, taped the conversation, as did she. She told me she would I.T. look into it after I pressed her. I asked for a return call and she told me I would not be getting one. They do n't do that. Since then I took to social media and several others have had the same problem. This scares me.
Consumer complaint received 2019-11-12
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Io, Inc. (VA)

XX/XX/XXXX I made payment arrangements with XXXX XXXX to debit my account the balance I owed them, they received payment XX/XX/XXXX, XX/XX/XXXX and one that is set to come out in 3 days for the final payment of {$23.00}. On XX/XX/2019 Dated XX/XX/2019 I received a let from Receivables Management systems that I owed them {$46.00}, I called and spoke to someone at XXXX XXXX and told them that they sent me a notification that was wrong, and he tried defending the case and I explained that XXXX XXXX   had already received most of this debt and he continued to say that I needed to pay this amount and I responded back that the info was XXXX  and he continued to say if I did not pay this amount that his company would continue to charge me fees daily until I paid them and then he hung up on me!!!! I called XXXX XXXX and explained to the lady in billing what had just happened with them and currently on hold for her to clear this up. In the meantime I would like this company reprimanded for the wrong billings amount, and being being rude and making the comment that I would continue to be charged daily fees and hanging up on a customer.
Consumer complaint received 2018-07-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (IL)

I received a call in XXXX of 2017 about a XXXX past due account. I told the caller I didnt order XXXX and never resided at address that account was associated with. The caller asked for my last four SSN to verify that I wasnt the person they inquired about and I gave it to them not realizing what I had just done. After receiving a collection notice on my credit report i called XXXX to dispute the charges and they had me fill out a ID Theft Affidavit which i sent to them in XX/XX/2017. The collection was removed from my report only to be placed back on with a different collection agency this month. The amount thats in dispute is {$1900.00}
Consumer complaint received 2018-07-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: ALLY FINANCIAL INC. (CA)

Ally is my investor, and I have been attempting to complete a loan modification with my service provider XXXX for over a year. They sent me a loan modification approval but each time I called they never acknowledged it until I sent a compliant to both XXXX and Ally. I was then provided the loan modification trial period which normally is a three month period and I paid for 6 months because they would not send me my final Loan Modification to sign. After I contacted XXXX corporate they then paid attention and sent out my final loan documents for signature In XX/XX/2018. I called XXXX, reviewed the terms, especially the amount forgiven with the HELOC department manager, XXXX XXXX and told him that I would sign the documents and return them. For four ( 4 ) months I called XXXX because their system did not reflect the new terms. I was always given the same answer " we are working on it. '' I finally filed a complaint with the OCC on XX/XX/2018 and was contacted by XXXX XXXX. They have taken from XXXX-XX/XX/2018 to " work on loan update '' and then on Thursday after speaking with XXXX XXXX she informed me that " new '' loan modifications were sent out to me and that she wasn't sure but my forgiven amount was not forgiven and now deferred. She did not understand but when I received them that I should call her with question after I reviewed them. There was no explanation attached but a due date to return the signed documents. I have already signed my loan modification papers and returned them with other terms. 

XXXX has been unprofessional in handling my loan. There has not been an error in my part and have signed my final loan modification papers. 
I am attaching : 1 ) Complaint with OCC 2 ) XXXX Loan Modifications papers signed 3 ) XXXX Loan Modification papers just received ( I highlighted the additional deferred text )
Consumer complaint received 2023-01-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (CA)

Hello my name is XXXX XXXX and my identity was stolen when my purse got taken from me with all my information in it. There was a specific incident on XX/XX/2022 where someone used my information against my will to open an account with XXXX XXXX XXXX name that I wasnt aware of. Along with that i looked into my account more and found other incidents that occurred that I wasnt aware from my identity being stolen. i need this deleted off my account immediately. Please let me know what I can do to speed up the process. Thank you for your time.
Consumer complaint received 2018-04-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Diversified Consultants, Inc. (AL)

I just checked my credit reports and see this collection that reported on XX/XX/XXXX. I have recently been discharged from chp XXXX and all my accounts were included and on my credit report in the comments on this collection account it clearly states account in bankruptcy ... .I want it removed immediately it is false and the account was paid I was discharged from Chp. XXXX on XX/XX/XXXX and all my accounts were paid off and I need this account off my credit report within the next week ...
Consumer complaint received 2018-07-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (CA)

Following is a copy of an email I submitted to Navient 's Office of the Customer Advocate on XX/XX/2018, to which the company never responded. The same problem is happening again tonight, XX/XX/2018. Nothing has been resolved. 

" Dear Navient : Every single month, I am unable to sign in to make my payment. Every single month, you tell me that I have two more attempts and then one more attempt and then my account will be blocked. Every. Single. Month. Even though the information has not changed. 

What is the problem at Navient 's end that prevents the sign-in from working? 

I hope you will fix this. Thank you. ''
Consumer complaint received 2018-04-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (FL)

I am at a stalemate with my mortgage service regarding insurance money that should be paid out to me. The Loss Claims Department at Dovenmuehle is demanding over and over again that I get additional information from my insurance company that my insurance company will not provide. I currently have sent and additional {$10000.00} ( XXXX checks for just over $ XXXX each ) for endorsement and deposit into my checking account. These checks were for work that has already been completed by a liscensed contractor and the work permit has been inspected and closed by XXXX XXXX XXXX Florida. I have paid the $ XXXX out of my pocket for the completed work already, I have asked for release of the funds and I just continue to go back and forth with the same information.
Consumer complaint received 2018-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (AZ)

I tried to purchase my Equifax credit report from www.equifax.com. My  order failed and I called their customer team. They advised they are unable to locate my credit file on their database. Per my previous complaint XXXX, Equifax advised they were able to find my credit file on their system, and that they would send me a copy of said credit report via mail. I received nothing in the mail and now Equifax custoemr service are unable to locate my file based on true and accurate information provided on my part. 

This being my 2nd complaint requires Equifax 's immediate response and effective action to deliver a resolution. 

Thank you.