davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-29
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SUNTRUST BANKS, INC. (MD)

buyer of our house had his loan not approved but we were not told about it until one week before settlement.Ourt contract was ratified on XX/XX/XXXX and Suntrust sent a pre-qualification letter for the buyer.Within 37 days after ratification, we were supposed to receive another written notification that the loan was going forward.We never received it but the loan officer told the realtors that all was fine and moving forward.We, in good faith, moved out, bought a new place in anticipation of the XX/XX/XXXX settlement date.One week before settlement we were contacted that there would be no settlement and the buyers loan had failed.We feel that there was a misconnect and transparentcy was missing in this transaction and loan process from Suntrust.The buyer received his deposit back because his loan failed.We are left with two houses, total upheaval of our lives and a lot of stress.
Consumer complaint received 2016-03-02
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Delbert Services (MI)

I applied for a payday loan XX/XX/2012 and I did n't pay on it. It took about 2 and a half years for the debt collectors to start not only harassing me but my family as well. They have been very vulgar and very threatening trying anyway possible to get there funds. It 's gone through multiple debt collectors. It comes and goes away for a while. The latest one is they 're going to serve me because I am being sued. Another one is they had called my mom and told her that I 'm being sued for writing bad checks. My Mom is stressed out and so am I with these debt collectors.
Consumer complaint received 2017-03-05
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO. (MN)

Opened credit card with Chase Business Ink credit card back XX/XX/XXXX. I made a {$3000.00} down payment for a concrete garage floor. Prior to my pay off and cancellation, i inquired about the dispute process since i was having a fallout with the contractor. The credit card company told me i had 560 days for a max extension to dispute from the date of transaction which would extend me to XX/XX/XXXX. The contractor had not installed the garage floor till XX/XX/XXXX due to his backlog. When garage floor was installed the credit card was already cancelled since i had paid the balance off. I anticipated issues due to history of contractors and ended up being correct. There was faulty workmanship discovered. I contacted Chase Ink to dispute and they " purged '' my account just a few months later after it was closed. Sent a fax to the correspondence team ( only fax provided ) with no response yet my fax went via ( proof of sent/received time stamp ) .The customer service dept states once the account is purged there is nothing they can do about it. I have the right as a consumer to dispute and this purge now violates my rights for consumer protection. I have also sent a request to the Chase XXXX office. I told them they have the legal obligation to hold records for a certain period of time. I can understand if something was purged after a few years but a few months later? 
Downpayment of $ XXXX in XX/XX/XXXX but final payment to contractor since work finished was XX/XX/XXXX. I filed a complaint with Chase Ink to unpurge my account XX/XX/XXXX to dispute the $ XXXX.
Consumer complaint received 2023-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (NH)

This is most ridiculous bank ever. They promise you something and never keep up the promise. There was a late fee of {$29.00} on my account in XX/XX/2023 and I was promised by various customer care agents that it would be waived for me as a one time courtesy after I had requested for it to be waived. I called in several times and wasted several hours in the process and haven't got my fee back despite these attempts. 

I had spoken to the following people who had promised me to waive the return fee XXXX XXXX - XXXX XXXX XXXX - XXXXXXXX XXXX When I called today - XXXX XXXX, this ridiculous manager named XXXX spoke to me and she said they wont waive that fee despite that being promised by other agents. Are you serious? 

The last 4 of my CC - XXXX. I don't have my full card number handy on me
Consumer complaint received 2016-07-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (FL)

XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian 's XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX Line of Credit Loan Account Number Num : XXXX Balance {$13000.00} XXXX XXXX Real State Home Loan Account Number Num : XXXX Balance {$260000.00} Dear Sir or Madam, Complaint Department I am writing to dispute seriously misleading and damaging information in my Credit Report. The items I dispute are on the attached copy of my credit report. 
These items are ( inaccurate or incomplete ) because mistakenly listed as Unknown '' ) should say paid as agreed. 

As you well know the loan modification processes was delayed by the bank. 
The reporting they said I was supposed to be later corrected. It was never done correctly on the credit report. The loan process started in XXXX/XXXX/XXXX it has been 9 year this mortgage and line of credit most be removed from my credit report. Clear up the mistake. 

Pursuant to my rights under the FRCA, this item should be deleted to accurately reflect my known credit. 

Enclosed are accurate copies to support these facts my understanding of the FRCA indicates I can expect a written response from you in the very near future. Thank you for helping to resolve this important matter. 

I really hope you will work with me on this. Please help me come up with a solution quickly to resolve the current status on my credit reporting. And keep your word as to credit reporting should be latter corrected Sincerely, XXXX XXXX
Consumer complaint received 2017-01-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Statebridge Company (PA)

This is my third complaint about Statebridge Company, LLC. This complaint addresses an escrow check they claim they sent me. In XX/XX/XXXX I stopped receiving my monthly mortgage statements. I continued to make my monthly payment every month, however, and requested in writing and on the phone for a statement. Finally in XX/XX/XXXX I received a statement. In XX/XX/XXXX I received a statement that read NO PAYMENT DUE. I called and was informed that in XXXX my mortgage payment was lowered. I did not know this because I never received a statement and no one told me when I called the office. I called to find out what happened and was told that an escrow analysis was done and that my payment was reduced but that the escrow would stay intact. I made no payment in XXXX because no payment was due. In XXXX I paid the reduced payment of {$520.00}. In XX/XX/XXXX I received an escrow analysis and my payment has skyrocketed to {$900.00}! When I called for an explanation I was told that they stopped escrowing my taxes, even though I was assured in XXXX that the escrow of {$96.00} included taxes and insurance. I filed a new complaint yesterday with your company : XXXX. Upon doing so I discovered that my original complaint, XXXX had been answered. I do n't have a computer and waited patiently for something in writing and never received a response. Under the old complaint Statebridge stated that they did an escrow analysis and lowered my payment to {$520.00} and mailed me a check in the amount of {$3200.00}!! I never received a check from them! On top of that, I do not know where the extra money I sent in my mortgage payments from XX/XX/XXXX to XX/XX/XXXX went, It was to go to escrow but obviously they did n't correctly apply it. I can not make a payment of {$900.00}. I live on XXXX and escrow my taxes because I do n't have a saving nor do I have a way to come up with large sums of cash. Statebridge told me to buy more affordable housing, even though they have obviously totally screwed up my account.
Consumer complaint received 2015-08-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NM)

I am responding to a letter I received from Experian regarding a suspicious request made on my credit file. Based on my understanding of the letter, it looks like Experian is refusing to complete my request because they believe the letter I wrote them was not sent by me. 
I would like Experian to know that I did in-fact send them a letter disputing information on my credit report. I also give Experian my expressed and written consent to continue with the investigation of my accounts per the dispute letter I wrote to them. 
I would also like to know specifically what made my letter " suspicious '' and why Experian thinks I did not write my letter to them. Did I say something in my letter that they think I am not smart enough to write myself? 
I have reviewed Experian 's website to determine what steps I am required to take to dispute my accounts and thought I had followed all instructions : I sent in a copy of my ID, proof of my social security number and proof of my address. I would be very grateful for a step by step explanation from Experian detailing the specific information I may have missed from their website. 
I do not have the financial ability to be represented by an attorney. I work all day and can not afford to take time off work to dispute my accounts. So I would like Experian to tell me why is they are choosing to not accept my letter and my humble request for an investigation of my accounts?
Consumer complaint received 2018-05-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (FL)

During a stay at an XXXX XXXX in XXXX IL back in XX/XX/2017, I left a computer laptop charger behind. I contacted housekeeping and asked if it had been found. Was advised it was at the hotel and they would hold as I visit XXXX often for work. About a week later, a package arrived at my home and it was the cord shipped via XXXX. I never requested it to be shipped nor did I authorize any charges rendered by XXXX. The original charge was around {$22.00} they were trying to collect. Now Transworld Systems is attempting to collect XXXX for XXXX invoice # XXXX XXXX XXXX and my file # wth Transworld is  XXXX. 

My wife and I have excellent credit and never late on payments. This charge however was never authorized and I'm upset this was ever sent to collections. This again was never authorized and I expect a resolution. 

I can be reached at XXXX or XXXX XXXX XXXX if you have questions. Thank you in advance.
Consumer complaint received 2016-09-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MI)

I recently became aware of an entry on my XXXX report. I moved from California in 2010 and advised the post office of my change of address. The agency purports that I owe money for services I do not recall having. I asked for the original creditors name and phone number and was refused. Additionally, the phone numbers they claim to have reached me on are all not mine. When I disputed this with the creditor and asked that they show proof, they re-aged this account on my credit report. They failed to report this as a disputed account FCRA Section 623 as well as re-aging my account. 
I am asking Experian to validate this purported debt and remove from my report.
Consumer complaint received 2023-02-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph XXXX ). 

A dispute was submitted on XXXX XXXX XXXX  to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2016-06-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (FL)

My loan throuhgh XXXX has been sold to Seterus and I was never notified. I called Seterus on XX/XX/XXXX and found out I owed XXXX to get paid up to date. I let the customer service rep know could pay it on XX/XX/XXXX, the total amount and that I would authorize the payment over the phone to be withdrawn no earlier than XX/XX/XXXX. I had deposited a check for the amount that day, however I knew it would take a couple of days to clear, so I gave her the date of XX/XX/XXXX. The rep said I 'd be all paid up through XXXX XXXX at that point. Seterus withdrew {$2000.00} on XX/XX/XXXX which of course was returned as my check had n't cleared, it went through again on XXXX and cleared, but now it cleared for XXXX. Not sure why that was the amount requested. However, on XX/XX/XXXX they withdrew XXXX. I realized this XX/XX/XXXX, as I was calling to make my XX/XX/XXXX payment. Of course, the rep had no clue and said someone would have to get back with me, after a lengthy hold of course. Two days later I called back as I wanted to make my XX/XX/XXXX payment so it would not be late, and was told they have n't figured out the problem, and I could n't make my XX/XX/XXXX payment as I still owed an additional {$4000.00} to be paid up to the date of XXXX XXXX. Again this was after a 45 minute hold. She said it was a mistake that the original customer service rep did n't give me the correct amount but could n't tell me why those amounts were taken, and on the unauthorized date. Asked me if I 've not ever made a mistake? Seriously, the rep that took my payment even had a supervisor get on the phone to authorize it. So I 'm requesting transcripts of the XXXX phone calls of made. Taking money out of someone 's account is stealing when it is n't authorized. I will be seeking legal counsel. They are the most unprofessional cast of characters I 've ever encountered. Not one person knows what they are doing. A complete travesty. I need some help as I was going through a horrible time, my mother was in XXXX, For 1 month and 1/2, thank God she pulled through, and is doing well but this is criminal., I stayed with her in the hospital, even worked from the hospital, as if I had n't she probably would n't be alive. Furthermore, upon discovery of this transfer, I made the phone call and agreed to pay them up to date! I 'm disgusted! Still have n't received their welcome letter, imagine that!
Consumer complaint received 2015-07-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (NC)

XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXGentlemen : I am forwarding a copy of the correspondence I previously sent on XXXX XXXX, XXXX to each credit reporting agency regarding errors on my credit report. I am requesting again that you please correct each error. 

I am also forwarding copies of information faxed on XXXX XXXX, XXXX, to Equifax and XXXX XXXX XXXX XXXX, Branch Manager of XXXX on XXXX XXXX in XXXX. This fax was to provide proof of the fact the Chapter XXXX Case was no longer active in connection with an application I had submitted to XXXX XXXX XXXX for a home equity loan. XXXX XXXX subsequently informed me with FICA scores of XXXX, XXXX and XXXX, I would need to provide proof from the Courts that I had filed Bankruptcy in XXXX XXXX to prevent fraudulent foreclosure on my home. 

The Bankruptcy Case was dismissed in XXXX XXXX. The Court action filed to foreclose on my home was dismissed with prejudice from XXXX XXXX XXXX on XXXX XXXX, XXXX ( CASE NO. XXXX ). My application for a home equity loan was denied until I could produce the evidence although I did not receive this decision in writing. My real estate has been paid in Full since XXXX. 

The foreclosure attempt was XXXX of the XXXX mortgage foreclosure attempts by this building contractor and his attorney reported to each agency over the past 17 years and I have strongly objected to and fought each XXXX. There has not been XXXX successful FORECLOSURE AND REPOSSESSION AS EACH CREDIT BUREAU IS REPORTING. EACH CLAIM HAS BEEN BASED ON NOTHING MORE THAN GREED AND VICIOUS INTENTIONS. 

Based on information and belief, XXXX XXXX is XXXX of owners of XXXX XXXX XXXX, Construction Contractors in XXXX, NC ; and, XXXX XXXX ( XXXX XXXX, XXXX XXXX ) XXXX XXXX is affiliated with XXXX XXXX XXXX XXXX, created by Attorney XXXX XXXX XXXX, XXXX. It has become perfectly clear to me that XXXX XXXX was very much a part of the mortgage fraud scheme perpetrated against me by Attorneys XXXX XXXX, XXXX XXXX, XXXX XXXX, and others by allowing XXXX XXXX and XXXX XXXX to invest our mortgage loan funds in other investments, and stockpile the debt at XXXX XXXX XXXX as construction loans to XXXX. It is a fact the mortgage foreclosure and repossession currently recorded on my credit file is the direct contribution from XXXX XXXX and others. 

I am approaching retirement at this point of my life and have paid in full large consumer accounts. Is that a reason to have your credit score reach bottom level? Please review this and make all necessary adjustments or corrections. 

Thank you for your attention to these matters which are critically important to me. 

Yours truly, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( Comprehensive and Summary Fraud Reports )
Consumer complaint received 2015-10-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (KS)

The resolutions given by the agency for the previous case were to validate all accounts and to state that I was disputing the accounts that were correct when my issue were with the ones that I could not verify on my report. Once I received the mail response I used the confirmation number on the report to file a dispute online, providing statements from the guaranty agency collecting my student loan and all of my loans from the national student loan data system. I had requested an update to the account statement one the student loans I was not in dispute with. The resolution from the full reinvestigation came through today, and for the accounts that were not reporting correctly the result of the investigation was to only remove the historical data. The balance, open status and incorrect statement on those accounts remain, but there was no mention that any of the remaining information was verified by the source as done with the issues with the student loans that were not in dispute but I was wanting the statement that I was disputing them after resolution changed. For those accounts, they refuse to remove the additional information because the source reported it that way, but I never disputed with them and in fact I am close to fully rehabilitating those accounts and have no issue or complaint with them. Any dispute was made from however Equifax presented their request for verification of my loans. I keep disputing the agencies claim that I 'm disputing those accounts after resolution solely because they investigated the incorrect accounts from the start of the investigation and did not look further into the ones that I knew were incorrect until I provided more statements to show the error in those reports. I have never needed confirmation that the verifiable accounts were correct, I knew they were and it frustrates me that they refuse to clarify the error caused by their lack of due diligence. I the issue clarified with the source that their accounts were never in dispute with me, despite what Equifax has told them so that they can remove that statement from my account.
Consumer complaint received 2016-07-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (TX)

I am writing to Correct the wrong information put on my credit Report by XXXX XXXX and your Company Equifax Information Services XXXX. XXXX XXXX XXXX, GA XXXX. 
for knowingly supplied this inaccurate information for over a Year on the credit file! 
This has seriously harmed my credit. I have Consider class action Law suit against the Credit Reporting Agency Equifax. claimed that Equifax violated the FCRA by the company Equifax allegedly erroneous reporting of XXXX XXXX XXXX on credit file. 

Under the FCRA, both the credit reporting company and the information provider ( that is, the person, company, or organization that provides information about you to a credit reporting company ) are responsible for correcting inaccurate or incomplete information in your report. To take advantage of all your rights under this law, contact the credit reporting company and the information provider.
Consumer complaint received 2015-12-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (NC)

I have disputed XXXX with equifax three times, they have a balance on the account of {$280.00} for my old card and {$170.00} for my husbands, they were both included in our chapter XXXX in 2009. Last time i disputed it i called kay jewlers who told me they had sent in the correct information ( no balance ) and that it was equifax 's fault that they werent putting in the correct info, i called equifax and they told me that XXXX had been removed completely, they sent me a copy of my credit report to prove it and then a week later kay jewlers put the incorrect information back on my report! the balance is wrong and that needs to be corrected to XXXX but at this point it should also be completely removed based on the time frame of it being 7 years from date of deliquency.