davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (AK)

have had a debt that was suppose to come off of my report XXXX. account was opened in XXXX of XXXX according to a previous credit report, it showed when it would be removed. the reporting agency also said during the most recent dispute they updated my information based on a previous investigation.. All I ever did with this account was give them documentation to prove that I did not owe the debt. and all they did was adjust the amount owed to a couple XXXX less. upon reviewing the new credit report where it should have came off. they have now updated it to remain for another year and changed the dates for reported to XXXX which is clearly untrue by the documents i am providing. they also changed the date of status from XXXX to XXXX. once again I never made any payments to this account or updated any information other than to prove i did not owe. I currently have this debt taken off of my other credit reports because its passed the amount of time to be reported on.I included that credit report to show when they started reporting and when they opened the account for collections
Consumer complaint received 2016-05-17
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: U.S. BANCORP (CA)

I want to depute a wire international transfer I made with USBank on XXXX/XXXX/16 for the amount of {$4100.00} the money should have arrived no later then XXXX/XXXX/2016 it.s now been more than 15 day and nobody knows what happened to the wire transfer. According to USBank the money was deposit and it should already been deposit to the account I provide to them but the deposit was never made. I have a copy of the wire transfer along with copies from the international back account receipt showing the money was never deposit. I want to find out what happen to the money so hopefully we can resolve this issue accordingly thanks.
Consumer complaint received 2015-06-10
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Rocket Mortgage, LLC (NV)

The loan is the XXXX mortgage/equity line of credit on a home that is currently under contract and ready to close with short sale approval from the XXXX. We have had an approval from the XXXX mortgage XXXX times that has expired due to the XXXX mortgage delaying the process. The XXXX lender has continually stalled, made unusual requests, and changed the contact person we must deal with XXXX separate times making us start the process over each time. The current person we are supposed to work with will not give us an email address and insists the only way to talk with him is by phone, which further delays every aspect of communication since we almost always go to voicemail. The approval from the XXXX in XXXX was stalled by the XXXX asking for another appraisal that had to be paid for upfront by the seller and it took more than two weeks to get an appraiser to the home. We found out later the appraiser was told the appraisal was for a loan refinance and not for what it really was. The XXXX mortgage representative told me that this was all a formality to pressure the first mortgage to give the max they were allowed of {$6000.00} due to it being a XXXX XXXX loan. The XXXX mortgage confirmed this and then offered {$6000.00} as a max amount, but then the XXXX mortgage decided we had to get another appraisal to satisfy their policies. The Seller, the Buyer, the Escrow company, and the XXXX mortgage are all ready to close this loan immediately, however the XXXX mortgage appears to be purposely making it difficult.
Consumer complaint received 2016-04-14
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: BB&T CORPORATION (NC)

I filed a complaint reference # XXXX. I received a response that the inquiry was satisfied in 2008. Not SATISFIED!! I was not offered any documents supporting the evidence of this TRANSACTION. I have the ORIGINAL CD in my possession. I have contacted the representative XXXX XXXX directly at ( XXXX ) XXXX. I have received no response. I contacted BB & T before the initial complaint was filed in person at my local bank, then by phone at the XXXX office with NO RESPONSE at ALL. The documents supporting this TRANSACTION I would LIKE to have sent to me VIA emal and mail ASAP. I am attaching THE REAL AND ORIGINAL COPY OF THE CD that I am seeking for my funds due to ME ....
Consumer complaint received 2016-03-31
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: Seterus, Inc. (VA)

I have a loan through Seterus Mortgage Company. We are getting ready to sell our house. I called them up to get a payoff amount sent to our title agency. The first person I talked to said they would send the fax now. I thought that meant that they would send the fax now. When I talked to my title agency later in the day they said they had not received the fax. I called Seterus back and it was then that they informed me that they would not be able to send the fax for at least XXXX3 business days and possibly up to 10 days at the latest! So now our closing will have to be delayed for an uncertain amount of days until they can get the fax done. To me, this is the definition of the word ineptitude and irresponsiblity. I was told I could n't get a rush on the payment info unless I got a court order to make that happen. Their inability to clearly state that they would need XXXX3 days to make this happen also shows a lack of coherent communication skills, something this industry needs desperately.
Consumer complaint received 2016-07-25
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (WA)

Loancare transferred my loan servicing to XXXX XXXX XXXX in XXXX, 2016 and sent me a letter to that effect XXXX XXXX. I made my XXXX payment on XXXX XXXX and can prove it was mailed that date. Now Loancare says my XXXX payment was not received until XXXX XXXX, which made me plus XXXX and I can not now get a refinance.Under the Real Estate Settlement Procedutes Act 12 USC 2601-2617 they can not penalize me for a " late '' payment for 60 days after the loan servicing is transferred. They will do nothing to correct their error.
Consumer complaint received 2023-01-05
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. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 and XX/XX/2022 XXXX
Consumer complaint received 2016-06-17
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: BB&T CORPORATION (KY)

I went to pay off my loan with BB & t, they told me they would not accept my payment. that I had to request a payoff and go through process. I had submitted for payoff. this was a branch manager that was going to hand me back my payoff checks and not payoff my loans. She ca n't refuse me this. A teller did take my money but for a manager to act this way was inappropriate
Consumer complaint received 2015-08-21
Product: Mortgage — VA mortgage
Issue: Credit decision / Underwriting — 
Company: Rocket Mortgage, LLC (TN)

I contacted QuickenLoans about a possible VA mortgage online. I received a callback from representative XXXX XXXX about a possible mortgage. Under false pretenses, and against my verbal reservations, I allowed him to run a hard credit inquiry for my credit score, knowing that it could negatively impact my score. I had already informed him that I had recently inquired on my credit scores from the " top XXXX '' ( XXXX, XXXX, XXXX ) within the last XXXX days, and he assured me that the scores were fine, but Quicken needed to verify. He came back and told me that the scores were XXXX points less than the report I had received from the reporting agencies listed above, and then proceeded to explain to me that the scores were " weighted '' for a mortgage. Nothing in the reporting I received from the agencies themselves indicated that there was a different score for mortgages than the score that was reported to me. I feel that I was coereced into allowing this company to get a hard credit inquiry, damaging my credit, when the representative did or should have known that my " weighted '' credit score would not have been sufficient for a loan from Quicken.
Consumer complaint received 2016-09-01
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BB&T CORPORATION (VA)

I presented a check to XXXX XXXX which cleared their electronic screening. I immediately deposited a check presented to me as reimbursement ( mobile deposit ) the same day. BB & T held the deposit for 3 days. In the meantime, my check was returned NSF and I was charged a XXXX charge. Today, I check my account and see where BBT list my mobile deposit as " available '' and " posted '' on XX/XX/XXXX. This is beyond misleading. If the funds were not available according to their policy, why do they present the deposit on my statement as being available for withdrawal? In actuality, the funds were there. 

Also, They do not disclose the check that was returned in order that the consumer can get matters straight with the bank or merchant. Because of this, the check was presented a second time. Check in the amount of {$320.00}. I am not understanding how a check can be returned and the ending balance for the day be over and beyond the check amount plus charges?
Consumer complaint received 2016-06-07
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BB&T CORPORATION (GA)

We deposited {$510.00} ( cash and check ) into a BB & T business checking account on XXXX XXXX, 2016 and have a copy of the receipt showing this - teller, as usual, counted the deposit as it was being made. Several days later, we received an 'account adjustment letter ' noting that the deposit was short by {$20.00} and that the funds had been withdrawn from the account as a result. I have been trying since XXXX XXXX to resolve this, with both the branch and BB & T, with no success. I did learn on XXXX XXXX that while we deposited {$430.00} cash and {$78.00} check, the teller showed it as {$410.00} cash and {$98.00} check - as there were clearly XXXX mistakes made by the teller in her paperwork, we feel it is clear that we are owed {$20.00}
Consumer complaint received 2015-08-22
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: Rocket Mortgage, LLC (AR)

I contacted XXXX re : list of lenders for home refinance. Several cont-tacted me, including Quicken Loans. I told them I was shopping around for a re-finance loan and they gave me information. I specifically told them I was notready to do anything just yet. I did NOT apply for a loan, or indicate that Iwould at a later time. When I checked my credit report I saw their inquiry onmy credit report. My understanding was that my inquiry of rates would NOTbe reflected on my credit report, and none of the others were. I contactedQuicken and was told if they had my ssn # and dob they could check mycredit. If they do, why was theirs shown as a " hard '' inquiry? I do not believe itshould be.
Consumer complaint received 2016-10-28
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (MO)

I was contacted by Quicken Loans on my cell phone ( which is registered with the state and federal do not call list ). Said was regarding a loan application I had submitted online and they needed to talk to me to proceed. XXXX XXXX was the person calling. XXXX. I had not submitted any loan application, so I was terrified my information and identity had been stolen. I called back and when pressed, they admitted they had purchased my information from someone who mines internet data and they were trying to get me to take out a loan. I was livid. They were totally misrepresenting the situation ( saying I had submitted an app online ) just to get me to call so they could try to sell me a mortgage loan. This is, in my opinion, a scam and it should n't be legal.
Consumer complaint received 2016-06-28
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (IL)

I had the ability to pay off XXXX of my private loans serviced by AES earlier this month. I call and get all information needed, po box number, and 10 day payoff. I have XXXX account with them. I sent the check certified mail and it was received within 4-5 days of it being mailed. It never posted to my account. I inquired and was told they would look for it. They had the check for over two weeks and now are saying that it does not have the account information, it will not be accepted, I continue to incur more interest and there is a potential of a late fee being assessed by the owner. I forwarded a copy of the check stub, was sent certified from XXXX XXXX showing that it did reference the account number. Also I have XXXX account and the amount of the check was for the amount owed. I find the lack of due diligence, common sense, and how this was dealt with completely unprofessional. In addition I know have the added interest, delinquent account, and the possibility of a late fee. Some reprimand is warranted. These loans are crippling the country and when I try to pay what I owe, I get XXXX one last time ( hopefully although I would imagine that this will continue ). Thank you in advance for your time and consideration.
Consumer complaint received 2015-06-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MN)

i am a victim of identity theft and while I was incarcerated, someone stole my personal information and identity and applied and opened up unauthorized and fraudulent accounts in my name. The following accounts listed on my Equifax credit report is unauthorized and fraudulent : XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, # XXXX, # XXXX, & # XXXXXXXX # XXXX, # XXXX, # XXXX, # XXXX, # XXXX & # XXXX, XXXX # XXXX & # XXXX
Consumer complaint received 2015-06-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CA)

A vehicle lease reporting on my credit file was NEVER delinquent but Equifax is reporting XXXX late payments for XX/XX/XXXX and XX/XX/XXXX for XXXX # XXXX. This account was never late and should not contain any status codes. I have requested a reinvestigation to forward me any evidence/ proof and descriptions used to conduct an investigation and yet i have received nothing after each of my disputes and requests. I do not believe a proper investigation was done, these late payments never occurred and the furnishers would agree but they have informed me that no one from Equifax has verified anything with them. Experian and Transition are NOT reporting any late on this account. SO how does equifax have this account reporting this way? illegal
Consumer complaint received 2022-10-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (CA)

I have been banking with Chime Bank XXXX XXXX XXXX XXXX, etc ) since XXXX, and have for the most part been relatively happy with my services. On Monday, XX/XX/XXXX, I received two emails notifying me that my checking, savings, and credit builder accounts had been closed, effective immediately. The reason behind closing my accounts was that my account " does not comply with internal policies and/or the member agreement ''. I tried calling numerous times with no success, as the recording said that since my account has been closed, I needed to email " XXXX '', or " XXXX ''. I emailed Chime support a few hours later requesting the reason why my account had been closed, and expressing that I needed access to the remaining funds immediately -- not tomorrow, not next week, not 30 days from now, but THAT DAY. I received a message back from a Chime employee named " XXXX '' who informed me that my account was not in compliance with my " Deposit Agreement '' and sent me a link to look over said agreement. Upon not finding anything out of compliance on my account, I emailed him back within 30 minutes of his email asking for further explanation. Since then I have received XXXX correspondence from Chime. I have tried calling again numerous times, finally got through to a live person for them to tell me I needed to email " XXXX '' in order to get an answer to my questions. Since then I have also involved a lawyer, as well as emailed them XXXX additional times to get answers, CC'ing my lawyer, the support email, as well as the review email addresses. My lawyer gave them 24 hrs to respond ( from XX/XX/XXXX @ XXXX ), with XXXX response. I have no idea how much money I actually have in my accounts -- I think I had about {$300.00} in my checking account and about {$300.00} in my savings account. I don't remember how much was in my credit builder account which was my main source of income. There was also an unrecognized charge on my credit builder account for {$200.00} which hadn't settled yet which I was planning on disputing. I have XXXX access to my accounts to even see what is still in there. Since they have not responded at all since the XXXX, I am forced to file a formal dispute. This inconvenience has resulted in me not being able to pay multiple bills, including my car payment and my car insurance, which will result in daily, weekly, and monthly late fees, as well as a negative impact on my credit report. I need this resolved immediately -- please, please help me! Please advise if any additional information is needed from me at this time.
Consumer complaint received 2016-12-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (GA)

I received an email from CFPB that they had reviewed my complaint that I submitted and sent it to the company ( Equifax ) for a response. The company ( Equifax ) was unable to respond to my complaint because they believe that I was a victim of fraud. Also, I have to contact the company ( Equifax ) directly for more information. I have contacted the company ( Equifax ) about this issue. I had the police to do me a report about what happen to my identity. They file an incident report instead of an regular police report. Where I stay, they do an incident report when you come to them and tell them that someone has stolen your SSN #. When I called Equifax, they ask me to fax over the report and I did. The last time I talk to a rep, he stated that I had to get the police to file another report saying " police report '' instead of " incident report ''. To me it should not matter, because it has on the incident report that I reported that someone stole my SSN #. I have called Equifax many times about this and they are not showing an results about deleting the hard inquiries off of my credit report. I feel that they need to have this removed. If the hard inquiries does not get remove then I will have to take legal actions.
Consumer complaint received 2016-10-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NV)

On XXXX XXXX, 2016 I submitted a certified letter to Equifax disputing XXXX inquires on my credit file that are not mine. " XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, & XXXX ''. I received a response back from Equifax dated XXXX XXXX, 2016 that basically states the inquires will remain on my credit file. Equifax failed to provide me with any information that an investigation was conducted or evidence was obtained from these companies that I authorized them to pull my credit. I do n't have any business dealing or business relationship with any of the XXXX companies I have listed. Nor have I given them authorization to pull my credit. I am requesting that Equifax remove the incorrect information from my file.
Consumer complaint received 2017-01-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (GA)

I have contacted XXXX XXXX and Equifax they are reporting invalid bogus debt that I do not owe. They have the account listed on my credit twice for the same amount and it is not being corrected. The amount is XXXX Equifax nor XXXX XXXX has validated this debt. Equifax just keeps sending me letters staying they verified that the account belongs to me. This is how I know they did not really investigate. If they really had investigated they would see that I never owed a balance and that the business has been permanently closed and no longer in business anymore. No one can validate this debt. They are telling me that it is legal to report an item twice that I do not even owe. Please investigate these XXXX companies you can find out for yourself the company has been closed for sometime and not in business and that I never owed them a dime. This is causing me great stress. I understand Equifax gets paid to report negative information but it is not ok when honest people being forced to fight something they do not even owe I am just asking that someone please investigate and fix this situation please.
Consumer complaint received 2017-02-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

I have been contacted multiple times by a collection agency that goes by two separate names ; XXXX & XXXX. They are trying to collect on a medical debt that is a result of identity theft. I never went to that hospital in north XXXX. The hospital has different addresses on file that I 've never lived. I 've contacted them they said to contact the collection agency then proceeded to give me the wrong information. I 've sent a request for removal from y report over to this company. Nothing has happened, and I feel very vulnerable because they wo n't remove it and they must be paying the credit bureaus to keep on no matter what happens. How can they overpay to maintain the agencies from deleting an account? I think it 's because I 'm XXXX and they might think I 'm here illegally ; I swear I '' m a XXXX. Attached are my letters my XXXX told me to fill out and have sent. The credit bureaus have done an ok job at communication, but it 's still on my credit report. I 've been trying to get this taken care of now because I 'm tiring to get a place to live and buy. The loan officer said I could n't get the loan because the collection is in dispute and I would have to call and admits I do n't want to challenge it.. which I refuse to do because it 's not mine. The bureaus said they verified everything with the source ... How? I 'm needing help handle this because I have nowhere else other than these government places and XXXX rights place which they told me to record calls and track stuff which I have. Thank you for your time XXXX XXXX