davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CNG FINANCIAL CORPORATION (CA)

XX/XX/2019 Call to refinance on a personal loan. Requested a balance {$16.00}??.??. Payment pulled out but not subtraction d from my loan balance. 
XX/XX/2019 Called to see if loan payment pulled by their bank applied. No. 
XX/XX/2019 Called payment still not applied. Clerk tells me to call on the wednesday the XXXX. 
XX/XX/2019 Call loan has cleared. Now all I need is a account summary of my bank account showing positive balance. Go into the store show account summery. Clerk tells me okay to refinance the personal loan. Sign papers to refinance back to {$2500.00}. Receive a check for {$790.00}. 
XX/XX/2019 The night before it comes to my attention I was expecting a check in the amount of {$990.00} or {$1000.00}. Realize my check is $ XXXX- {$300.00} short. So I call well the balance only lian had grown to {$17.00}??.??. Because it took 14 days 2 weeks to post to my loan. 
I lost, interest, and finance charges it happens again in XXXX. I make payments of {$320.00} out of that payment my prinicipal should lower by {$140.00}. Instead it is increasing by double that. 

I start my complaint on XXXX XXXX. Their response on XXXX XXXX is that it usually takes a couple of weeks to clear. And if they were to refund me it would make the contract if the lian null and void. That they are sorry. 
My theory is someone in corporate office is holding on to the payment and gaining interest on that money. This is not fair since it is their bank pulling the payment. How could it the 2 weeks. 
Can you help me to get a refund of {$200.00} for each month that the payment is not applied within a reasonable time?
Consumer complaint received 2019-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (CA)

I recently had a bankruptcy discharged, after making all required mortgage payments owed per court order by a judge. The company Shellpoint Mortgage Servicing XXXX. XXXX XXXX XXXX, Sc XXXX XXXX XXXX XXXX XXXX began contacting me through letters, credit reports and sending company representatives to my home making threats of foreclosure and asking for my home phone number. This company is not listed on creditors paid in my bankruptcy and I have never had a mortgage through this company. On my credit report they state that I owe them {$110000.00} in mortgage payments. Which is not correct. I do not even know who this company is. Further more if I'm in bankruptcy or recently had a discharge they should be contacting my attorney. In which, I have already notified them to cease and desist in contacting me or coming to my home. Only contact my lawyer. The loan account on their paperwork is : XXXX for property located at : XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX, Ca XXXX. I'm very concerned that they may start posting notices on my rental property and scare away tenants. Shellpoint Mortgage Company has made statements that the trustee on case failed to submit the final payment. A summary shows all accounts paid. Still waiting for a response to resolve current issue with mortgage company from attorney and trustee on bankruptcy case # XXXX
Consumer complaint received 2022-04-05
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: Experian Information Solutions Inc. (TX)

Experian is consistently reporting my credit score 70 points below XXXX and XXXX. I was just rejected for a credit card with XXXX because they are saying I have a bankruptcy and my credit score is XXXX. I checked my XXXX Score and it is XXXX and my XXXX score is XXXX. I NEVER went through with a bankruptcy. When you call customer service you can not get a hold of a human. There is nobody to assist you. I want to know why my credit score is 60 points below XXXX and XXXX. These do not update my report timely and somebody needs to explain this enormous discrepancy between their reporting and XXXX and Experian. This company needs to be investigated for NO CUSTOMER SERVCICE, inaccurate reporting and calculating a credit score significantly below the US based Credit Reporting Agencies.
Consumer complaint received 2021-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX reposesed my car in XXXX/XX/XX/2015. They have in the credit bureau a date of last payment on XX/XX/2015. They also have a closed date of XX/XX/2015. The account was NOT closed the same date of last payment. Also, XXXX charged off the account less than 180 days after last payment which is ILLEGAl. They continue to try to hurt consumers who no longer want lemon cars. Their account needs to be REMOVED from my credit bureau never to come back.. It has been since XX/XX/2015 since we parted ways and I keep disputing their illegal reporting to the credit bureaus and no one listens. But they keep reporting so It can stay on my report. Please have them remove or the next step will beto take them to small claims court along with the credit bureaus also.
Consumer complaint received 2019-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

The reason for my writing is to inform you that this company is being unreasonable and not adhering to the law. I am a victim of identity theft. My personal information was compromised and as a result fraudulent charges were included on my accounts without my consent or authorization. I disputed this identity fraud with this company on XX/XX/XXXX by providing my written explanation and attaching relevant documentation e.g. Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act to proof my case. But until now, as I am writing to you, this company is still reporting these fraudulent accounts contrary to law, which gives them at least 4 days to remove it upon receipt of fraud dispute letter. Let this be a final written notice of my intent to sue this company for failing to remove fraudulent items even after receiving a well-documented dispute coupled with exhibits for reference. For yet another time I am reaching out to this company to find a concrete resolution to this matter once and for all. Failure to this I will go ahead and file my already filled small claims forms with the courts. Please REMOVE this fraudulent information from my credit report, as per 605B of the Fair Credit Reporting Act : 1.XXXX  XXXX  ACC # XXXX, Opened Date XX/XX/XXXX, Original Creditor XXXX XXXX XXXX XXXX XXXX , High Balance {$1500.00}. 2. XXXX XXXX XXXX, ACC # XXXX, Original Creditor XXXX XXXX , Opened Date XX/XX/XXXX, Balance {$190.00}. I am attaching the dispute letter/documents I sent to this company on the XX/XX/XXXX and my FTC report, in case they need to reference or review.
Consumer complaint received 2022-04-27
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (GA)

My husband who is a 100 % combat related XXXX veteran died on XX/XX/XXXX. Our home mortgage is in his name. I as the surviving spouse reported his death to Mr. Cooper mortgage company. With XXXX effecting so many people I was offered forbearance for a year. I graciously took this. At the end of the year, I was told that I had forbearance till the end of XXXX, XXXX. I would be given the opportunity to renegotiate the mortgage terms as of XXXX, XXXX. 

I have contacted Mr. Cooper on numerous occasions to get this process accomplished. Every time I am told that I did not send them complete information. For example, Mr. Cooper wanted verification of XXXX XXXX. They said they would accept either a letter from XXXX or 2 months of bank statements with the XXXX XXXX credited to my account. I gave them 2 months of bank statements. And I highlighted the deposits on each month to make it easy to identify. Six weeks after I submit these statements, I get a call from Mr. Cooper stating that they will NOT accept those bank statements and that they want the XXXX letter for the years of XXXX, XXXX, XXXX and XXXX. I immediately requested this information from XXXX but will have to wait for my request to be processed and sent to me via postal mail, before scanning and submitting to Mr. Cooper. 

It is now the end of XXXX, XXXX. I am constantly getting more and more requests for Mr. Cooper and each time it is delaying the restructuring of this mortgage. I wanted to get this done in XXXX, XXXX before the interest rate XXXX so that I could get a lower mortgage payment. 

I feel that this mortgage company is deliberately stalling the restructuring of this mortgage so that the interest rate will be higher and my payments would be increased. This is no way to treat the widow of a career XXXX veteran that became XXXX due to his time in service.
Consumer complaint received 2023-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

On XX/XX/2023 Account Name XXXX XXXX Account # XXXX Date opened XXXX COMPANY SOLD : XXXX Status : Discharged through Bankruptcy XXXX  XXXXNever late. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone number ( XXXX ) XXXX The open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal.
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : EMPLOYER : XXXX  XXXX XXXX XXXX XXXX, XXXX  XXXX. The following personal information is incorrect Account Number : EMPLOYER XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX Account XXXX : XXXX XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it immediately. 
XXXX there is some inaccurate information reporting. 
XXXX, XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX  XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX  XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2021-06-10
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

The payment history on the credit bureau report shows 30, 60, 90, 120, 150 days past due for XX/XX/XXXX through XX/XX/XXXX for my HELOC account. During that time, the account was on a CARES act COVID-19 Forbearance. In XX/XX/XXXX, the account was brought current by paying the entire forbearance. Under the rules of the COVID-19 forbearance, when the forbearance was repaid in XX/XX/XXXX, all of the previous months should reflect as paid on time. 

Under the CARES act, COVID-19 Forbearances must not be reported as past due as long as the account was current prior to the forbearance, which it was. A properly reported COVID-19 Forbearance must not have any negative impact to credit score. 

I have filed a dispute with XXXX, who in turn contacted my creditor. The dispute was closed with no change to the payment history on the account. The five months noted above remain showing past due on the credit report, which is incorrect. With the account brought current, they should reflect as paid on time. 

As a result of this reporting error, my credit score has dropped 100 points.
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

XXXX  XXXX and Equifax are engaging in a practice that is illegal. They are purposely re-aging an account to keep the account having the highest negative impact on my account for the longest period of time. They are reporting last activity almost 2 years prior to the company charging off the account. they are doing this so the account has THE most impact on my credit report. I have also been paying on this account after speaking to them about the issue for the last 3 months. Therefore everything about this account is incorrect, therefore a violation of my rights and should rightfully be removed from my file.
Consumer complaint received 2022-04-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I XXXX XXXX XXXX contacted XXXX, TRANSUION, And XXXX FRAUD department to dispute And update my credit report for accuracy and fraudulent inquiries as i am a victim of identity theft I contacted them to dispute any closed accounts FRAUDULENT ACCOUNTS inaccurate information as well as complain to them about how Im not able to access my credit report to actually view it XXXX failed to make my credit report accessible to me as they are in violation according to the fair credit reporting act I also supplied my driver license Proof of address which is XXXX XXXX  XXXX XXXX XXXX  Texas XXXX and social security card and number to verify myself they still fail to assist me and protect my consumer rights and delete all reported fraudulent accounts Im now taking legal action to bring on a suit to recover for lost wages due to me taking off and emotional distress these consumer reporting agencies are already in violations with FTC I HAVE NOW filed suit THAT WILL will begin XX/XX/2022 these reporting agencies are not protecting my consumer rights
Consumer complaint received 2021-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc. (VA)

Notice these Fact, I HAVE NEVER SIGNED A CONTRACT OR PROMISSORY NOTE with CREDIT COLLECTION SVCS. I know them to be a 3rd party debt collector meaning they must legally operate under 15 usc 1690 or the FDCPA. I demand to see a receipt of purchase giving them legal jurisdiction to collect any debt they may claim I own past present or future. Pursuant 18 usc 8 ANY & ALL CERTIFICATES OF INDEBTEDNESS & BILLS ARE THE OBLIGATION OF THE United States XXXX. Notice in Fact, I have never given my written or verbal permission for this item to be furnished on my consumer report which is a clear violation of 15 usc 1681b. Any violation of the FDCPA is punishable by {$1000.00} per violation. So I DEMAND these items be removed from my consumer report IMMEDIATELY or pay me {$5000.00} for every minute that the alleged debt has been on my consumer report.
Consumer complaint received 2022-12-14
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. (NV)

I submitted a letter to the XXXX Credit Bureaus ( " DATE OF PREVIOUS LETTER '' ) to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$16000.00}
Consumer complaint received 2022-04-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/2022, I received an email from XXXX XXXX notifying me that my Income Tax Refund had been deposited into my bank account and to wait 1-3 business days for it to reflect. 

On XX/XX/2022, I received notice via email that my account with Bank of America had been closed. I followed up with a phone call to gather more information about my account being closed to no avail. I was informed by the representative that my account was closed and that Bank of America has made a business decision to end their relationship with me. I was informed that any pending deposits will be mailed in the form of a check to my home address. 

On XX/XX/2022, I called Bank of America to ask if they had mailed my check and was informed that my account had not been closed. My balance was significantly less than what was deposited on XX/XX/2022. I did not have access to my account as the log in was suspended. When attempting to call the XXXX assistance, I am informed that my account is not an active account number. Bank of America withheld access to my funds, in addition to banking statements, subsequently, missing numerous payments due to the delayed account closure. 

There were a number of withdrawals that were posted after my final pending transaction posted. I believe Bank of America is contractually obligated to pay the difference of those withdrawals as my account 's closure date was XX/XX/2022. I still have not received bank statements from BOA.
Consumer complaint received 2019-03-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

My debit card and Id were stolen at hospital when visiting wife. And I was u aware for a few days until I checked my account on mobile app. I immediately called and had card stopped and a new card sent to me. I disputed over 5,000 from charges with debit card in Oklahoma at casinos, restaraunts, stores. Someone figured out or knew my pin which was also the last 4 of my phone  number. I have changed my pin since. The bank closed dispute and assumed it was me bc my pin was used. Which is complete bias and wrongful and again was not me and I am now out over 5k and have no other options on getting my earned funds back. They didnt even investigate more than 10 days and wouldnt even expedite the temporary credit and never did refund me. I could call XXXX and file a dispute and inform capital one of their mishandling and poor determination.
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

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

Account name : XXXX XXXX XXXX. Account # XXXX has violated my rights. 

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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-07-12
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 — Investigation took more than 30 days
Company: Harley Davidson Financial Services Inc (TX)

Harley Davidson Financial Services, aka Harley Davidson Credit aka XXXX XXXX  refuses to comply with the terms ad conditions of the CARES Act and continues to report me as 30 or 60 days late, when I have never been late. I made an arrangement due to the negative financial impact of the CoronaVirus, Harley Davidson, REFUSES to correct inaccurate information, I have NEVER been 30 days late, let alone 60 days late since my first loan with in XXXX. Harley Davidson has provided a false statement to the CFPB and to me. Harley Davidson stated in a response that they have not reported a delinquency on my account to the CRAs. Yet at one point XXXX had me at 30 days late in XX/XX/XXXX, XXXX  had me 60 days late in XX/XX/XXXX and XXXX  had me at 30 days late in XX/XX/XXXX. After 5 disputes, 2 with XXXX, 2 with XXXX  and 1 with XXXX, XXXX   shows me current never late, XXXX  shows me 30 days late and XXXX  now shows me 60 days late, with no 30 day late before that. Harley Davidson refuses to comply with the FCRA or the CARES Act and is deliberately and blatantly refusing to made the required corrections to my credit reporting.