davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

There is a public records on my credit report with Equifax stating that I had bankruptcy that is being reported in error. I 've contacted the furnisher listed on my report using the address that they have reported to verify my account, but the letter returned to me as " not deliverable ''. 
I then contacted Equifax and informed them that they are reporting erroneous information on my file. They 've responded as " verified '' and information remains. Equifax continues to report false information. 
I 've also contacted the organization that Equifax claimed they verified the information from and they have not responded to me. 
This is very damaging to my credit and I I demand this furnisher be removed from my file that they are reporting. It is hurting my credit. I get no verification authenticating that this account belongs to me. 
I 've attached my initial letter I 've sent Equifax along with the response they 've given me of my dispute. It does not makes sense to me to keep information in my file that do not belong to me nor if I ca n't verify with the furnisher of validation that this account does indeed belong to me.
Consumer complaint received 2017-04-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANKUNITED, NATIONAL ASSOCIATION (TX)

We purchased our house located  XXXX   XXXX , Texas on   XXXX   XXXX  . The loan was initially with   XXXX   XXXX   XXXX   and then with   XXXX   XXXX  , and then was transferred to  BankUnited on     XXXX   XXXX   XXXX  . Shortly after that, the  Insurance Dept. fro m  BankUnited infor med that our property needs a flood insurance. We sent them  two mail s on   XXXX   XXXX  ,  XXXX  to explain that we had a  Survey from house builde r,  XXXX   XXXX , showing that the house is not on the flood zone. In those mails, a certified SFHDF ( Standard Flood Hazard Determination ),  FEMA Fo rm  XXXX , dated on  X/XX/XXXX , which we submitted to  XXXX  at loan application, was also included to show that the house is marked as zone " X '' on the Flood Map and require no flood insurance. The answer from  BankUnited t hen questioned that the SFHDF we provided was issued on   XXXX  , few months before   XXXX   XXXX  , and so might be out of dated. To respond to their and our questions, we requested for another  XXXX , dated on   XXXX  , again showing our house is on zone " X '' and needs no flood insurance. Meantime, we also contacted    XXXX   XXXX   Floodplain Dept. Manager,    XXXX   XXXX  to clarify. He sent us an email with proof, maps to show us the house is actually on zone "  X '' .. On   XXXX   XXXX  , we  sent them another mail and provided all these findings and proof. Since then, no words from  XXXX . Until, end of   XXXX   XXXX  , when we received the annual Escrow Account  Disclosure Statement, w e surprisedly found that {$1600.00} was charged for flood insurance payment. We called  XXXX   XXXX ,  manager of Insurance Dept., BankUnited, to disc uss the case and request them to reimburse the mischarged {$1600.00} back to our escrow account. She said they will do some investigation about the case. Since then, weeks after that, we called her twice a day to follow up. The answer from the  Dept. has bee n always " She is not available and no one else can be responsible for the case. '' We have no other way to do but file this complaint to pursue a justice and our {$1600.00} back.
Consumer complaint received 2017-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (CA)

There is a public records on my credit report with XXXX   stating that I had bankruptcy that is being reported in error. I 've contacted the furnisher listed on my report using the address that they have reported to verify my account, but the letter returned to me as " not deliverable ''. 
I then contacted XXXX  and informed them that they are reporting erroneous information on my file. They 've responded as " verified '' and information remains. XXXX   continues to report false information. 
I 've also contacted the organization that XXXX claimed they verified the information from and they have not responded to me. 
This is very damaging to my credit and I I demand this furnisher be removed from my file that they are reporting. It is hurting my credit. I get no verification authenticating that this account belongs to me. 
I 've attached my initial letter I 've sent XXXX  along with the response they 've given me of my dispute. It does not makes sense to me to keep information in my file that do not belong to me nor if I ca n't verify with the furnisher of validation that this account does indeed belong to me.
Consumer complaint received 2017-08-27
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: JPMORGAN CHASE & CO. (CA)

XX/XX/XXXX {$830.00} XX/XX/XXXX {$210.00} XX/XX/XXXX {$1500.00} XX/XX/XXXX {$2200.00} I send the merchant iknowlodgment of latter for canceled service and refunds my full amount, chase credit card Dispute department refuses to credit or issues my refund back to my card and delay the process and send me Computer standard generated respond Same respond to all the disputes without any no response from the motion and the show is a valid charge XXXX credit card services is not working the right consumer right and hoping for me to give up my Dispute there for I need exercise my right with this practice credit card is is doning against it 's consumer chase visa credits card also threat to report my card or dispute resolution to the three report agency without my approval from me or discussed with consumer frist of any knowledge, thank you
Consumer complaint received 2017-08-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (NJ)

I am concern that my escrow analysis is incorrect and I need someone outside the mortgage company to review it. I know about the XXXX escrow payment of the total needed during the year and XXXX cushion amount of the total amounts needed for the year. My escrow payment is XXXX and the XXXX cushion is XXXX. But I already have XXXX in escrow and they are demanding an additional XXXX which is more than a XXXX dollars over the XXXX cushion by years end. I spoke to the escrow analysis team and they claim it is an addition just in case. My taxes last year were XXXX and my hazard insurance was XXXX which is a total of XXXX. My current escrow is XXXX. With the additional escrow of XXXX. The XXXX XXXX XXXX. Brings my account over the legal limit as prescribed by federal law. I need someone in your department to take a look at it and check the calculations of the mortgage company. Your time and consideration is greatly appreciated The lender is CITIMortgage.
Consumer complaint received 2017-08-27
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (VA)

On XXXX/XXXX/XXXX I had a mortgage broker pull my credit to determine how much home I could afford. While reviewing my credit history it revealed that my student loans with XXXX had not been consolidated and there were in forbearance instead of showing that I 'm in a XXXX based repayment. I have been on the XXXX for the past XXXX.
Consumer complaint received 2022-01-05
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: Synovus Bank (CO)

I reviewed my credit card statement. I noticed on XX/XX/XXXX that there was an unauthorized transaction of {$110.00} posted. I called the fraud department and requested that I start a dispute of the transaction but I don't have any knowledge of the transaction. The transaction is fraudulent. I called and turned in a document that states I didn't do the transaction and I had to request to get a new credit card. Every time I call to get more information about the transaction dispute. I'm getting misinformation and not able to rectify the transaction
Consumer complaint received 2017-08-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (FL)

My customer filed a claim with his credit card for item not delivered a few hours before the item arrived then promptly retracted it when the product showed up later that day. The buyer and his credit card company have been open and honest in their attempts to resolve the situation and complete payment. They require a phone call from paypal that paypal still has n't done. Paypal opened a case, levied fees against my seller account, and put the money from the transaction on hold " while they investigated ''. Later, I started getting collections emails from paypal regarding this case. They threatened to send the entire amount to collections against me, the seller, if I did not provide money for them to hold " while they investigated ''. Their agents on the phone reiterated that they could not solve the problem in any other way than for me to pay to cover the full amount on hold. I have obtained copies of the buyer 's credit card statements showing where he was initially charged for the item ( {$6600.00} ), then was refunded, then charged again on XX/XX/XXXX. I have spoken with XXXX XXXX on the phone and they confirm that they have both charged my customer and rendered payment to paypal over a month ago on XX/XX/XXXX. It has been 45 days since paypal was paid by XXXX XXXX and two weeks since I put {$6600.00} on my credit card to avoid having a bill in collections despite the fact that the case was still, somehow, undecided, despite the buyer agreeing that he received his items. As near as I can tell, paypal is holding both my {$6600.00} and my customer 's {$6600.00}, and has been holding it for weeks while failing to answer my questions on the phone or give any real indications that the case is moving anywhere. They have threatened me with collections and reporting this to credit bureaus to pressure me into paying a bill that they have already been paid for. This callous double billing and holding of funds is consistent with the worst practices of reprehensible companies. I 've attached copies of the customer 's credit card statement to prove that he has paid and that his CC company has rendered payment to paypal.
Consumer complaint received 2017-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CHECK INTO CASH INC. (IN)

First, it shows that I go by two different names. My name is XXXX XXXX. Not XXXXXXXX XXXX. I 've never gone by that name, never heard of it, never made it an alias name. Second, one of the addresses listed not only is out of my state, but I 've never even been there before, let alone lived there. Thirdly, I have never had an account with # 1 check into cash XXXX XXXX XXXX XXXX XXXX TN XXXX or with # 2 XXXX XXXX XXXX XXXX XXXX, fl XXXX. I 'm very worried someone is going around saying she is me under the alias of XXXXXXXX XXXX. In fact I know it. The address XXXX XXXX XXXX XXXX XXXX, in XXXX I 've never lived at.
Consumer complaint received 2017-08-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CITIBANK, N.A. (TX)

In XX/XX/XXXX I registered for a credit card from Home Depot, XXXX XXXX XXXX, XXXX XXXX, TX XXXX with purchases totaling {$5.00} to be paid when the credit card was received. When the credit arrived in XX/XX/XXXX. I made the {$5.00} payment by phone. They would only accept my Credit Union check ID #. No receipt, or confirmation # sent to me. I called to inquire about a receipt in XX/XX/XXXX and was told that I had a late payment of {$7.00} & that my check was not cashed because I left off XXXX XXXX in front my ID #. I was not notified because they claimed not to have my contact info. They did have my address. I gave them my ID # again with the XXXX XXXX. Meanwhile my Excellent credit report was affected & reduced, I called again in XX/XX/XXXXasking for a confirmation and was told that I now have a {$9.00} late fee because my bank would n't honor my check ID #. They never contacted me or my bank. I cancelled the Home Depot credit card. Today XX/XX/XXXX I received a letter, even though they said they had no contact info. for me, saying that I now owe a {$11.00} late fee. This time they asked for my debit card # which I did n't trust them to give. I went to Home Depot to pay cash and was told by customer service that " Citi Bank '' would have continued to increase late fees if I had n't come in to pay in cash. I received a receipt from the XXXX. store and had to call XXXX on the phone for a confirmation # and asked them not to bother me again. But tonight I went to the Home Depot web site and saw that they still say that I owe {$11.00}.
Consumer complaint received 2017-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TN)

I started working on my credit report in XX/XX/XXXX and sent updates to each bureau and I seen XXXX XXXX, equifax, some of the changes but all of the changes was not corrected. I have not receive any changes or updates from the other credit bureau. Please help me fixed this. I recently got married so mu name has changed from XXXX to XXXX.
Consumer complaint received 2017-08-26
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 (TX)

I contacted Netspend regarding unauthorized charges on my account XX/XX/XXXX I advised them my backpack was stolen with my credentials such as Id, bank card, cell phone and a result in this matter over {$600.00} was stolen from my account. I later found out somebody I know had stolen my belongings when she was caught stealing from XXXX and had my belongings on her. On XX/XX/XXXX  I received a email from Netspend stating that I will not receive any of my money back and that the matter is closed I do not understand how this issue was investigated properly this company is not protecting my money at all they never emailed me regarding suspicious activity. I can not continue to lose money like this and unfortunately it is hard for me to close this account due to the fact my husband is in the Military XXXX XXXX and he has an allotment scheduled monthly to this account. I will greatly appreciate your help. 

Thanks claim # XXXX
Consumer complaint received 2017-08-26
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Prospect Mortgage, LLC (IL)

In XX/XX/XXXX of 2015, I received a preapproval from Prospect Mortgage as I hoped to purchase a single family home to live in. I complied with everything asked of me and provided all necessary documentation as requested. I was ready to close on the house when the loan officer I had been working on sent me additional questions to answer. One of these questions was- would my boyfriend be moving into the home with me? I found that question to be rude, disrespectful, and even a form of XXXX profiling. As a XXXX XXXX XXXX XXXX woman who is a professional, why would they assume that my moral standards were such that I would be shacking up with a boyfriend in my home? Furthermore, why would it even matter if I was pre-approved based on my income and credit. Ultimately, the loan was denied and even my loan officer indicated that he could not understand why since I met all of the criteria. He indicated that the individual in charge of making that final decision, XXXX XXXX would n't let the loan go through although there was no good reason. I lost money in this after having paid for attorney fees and inspections and even some minor reparations to the property so that it would pass the fha inspection. Asking if my boyfriend is going to move in with me when I had never discussed or made mention of a boyfriend seems demeaning and should be considered an illegal question in the mortgage lending industry.
Consumer complaint received 2017-08-26
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. (GA)

XXXX XXXX, delteted an account from my credit file. Now they have are adding it back to my credit file one by one. When I checked my credit it now reporting on my equifax report saying I owe XXXX ( Whom I 've NEVER DONE BUSINESS WITH ) .. XXXX.. This account was deleted from all three of my reports late XXXX of 2017.. The FCRA states I must be notified in writing before it 's placed back on my credit. I never received notice. I believe I never received written notice because I 've informed them this account is fraud. It does n't belong to me. I have been a victim of fraud!! I also ask this company for validation of this debt and never received it. I received a letter from XXXX XXXX stated they would Deleted account from my files. *PLEASE ATTACHED INFORMATION *
Consumer complaint received 2017-08-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (MI)

No credit for a reversed transaction. 
XXXX was charged on XX/XX/XXXX; reversed on XX/XX/XXXX -- demand for payment on XX/XX/XXXX XXXX! 

Phone call did not provide solution.
Consumer complaint received 2017-08-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

Hi ive had years of turmoil with XXXX XXXX and navient in which they took advantage of me when I was younger- giving false information- Ive been charged a series of late fees and high interest- I am now swimming in student loan debt.
Consumer complaint received 2017-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (LA)

I have reached out to Equifax several time via phone and mail and have yet to receive a response to have these verified as I requested these inquires. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. I DID NOT authorized this inquires : XXXX XXXX XXXX date of inquiry XX/XX/XXXX XXXX date of inquiry XX/XX/XXXX XXXX date of inquiry XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX OnlineXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-08-26
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (AZ)

Dear Sir or Madam : I am writing to ask that you please remove the 30-day late payment report that Chase submitted due to a system ( Chase.com ) programming error showing incorrect figures on our HELOC account at the time our credit line converted from draw to repayment. 

My husband, and I have had this home equity line of credit ( originated with Chase ) for approximately 10 years. We have paid the monthly payment on or near the XXXX of the month, every month since we opened the account. 

In the beginning of XXXX we received written notification that our credit line would be converting from draw to repayment starting in XX/XX/XXXX. In mid XXXX XXXX, when I logged on to Chase.com to pay our bills that were due -- something that I have done twice a month for the last several years -- the Chase.com website showed that there was a payment of {$360.00} due on XXXX XXXX, XXXX. I understood this meant what it was displaying, that the next payment for the account was due on XXXX XXXX, not XXXX XXXX. When I logged on to Chase.com in mid-XX/XX/XXXX to pay the bills again, the website displayed this time that an amount of {$0.00} was due on XXXX XXXX, XXXX. I surmised that this must be due to our credit line converting, and as directed by your website, Chase.com, I did not pay the bill because it showed that an amount of {$0.00} was due on XXXX XXXX, XXXX. 

It was not until a collections representative from Chase called my husband on XXXX XXXX, XXXX asking when my husband would be making the XXXX payment that we realized that what your website had been reporting was indeed erroneous ( likely, a result of the account converting from draw to repayment ). We promptly paid the outstanding two months due to bring the account current. My husband explained the aforementioned to the collections representative from Chase, and she told my husband that she would wave the late fees and as long as the account was brought current in the next day -- which we did -- we would not be reported to the credit bureau. 

It was not until my husband was in the process of completing a mortgage loan refinance with Chase, shortly thereafter, that the mortgage broker representative from Chase notified him that we indeed had a 30-day late payment that had been reported to the three credit bureaus. My husbands credit rating had dropped below XXXX, and we were no longer eligible for the loan to refinance on the terms that my husband and the broker had previously discussed because of his adjusted credit score, and therefore ceased the loan refinance. 

This clearly was a mistake. We trusted that the Chase.com website listed accurate account information for the payment of our credit line, as it should and has for many years when we have made our our payments online, and therefore should not be penalized for a website programming error.