davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LEADER ONE FINANCIAL CORPORATION (AZ)

XX/XX/2020 to XX/XX/2020 {$100.00} and {$3200.00} We were 11 days before closing on a new home when the lender LeaderOne Financial Corporation, Branch XXXX XXXX XXXX and his assistant XXXX XXXX. He decided he did not want to help us with the loan for 2 reasons. 1. Taxes 2. Employment. After disclosing the tax information with the lender he waited until  XX/XX/XXXX to inform me what needed to be done knowing it could not be done. I sent an email with the details about the taxes. After it was to late to do what he wanted is when I received an email saying what he wanted done. The lender was not happy with the employment, I was going to transfer my job to a office in another state but the office closed so I got another job with a new company in my field making adequate wages to continue. These are the reasons he gave for not wanting to continue with the closing. The lender sent me two loan packets for the above amounts. I am a first time buyer. The loan for {$3200.00} says second mortgage, conventional loan, term 30 years, payment of {$200.00} per month. I received an email stating that it is an down-payment assisted 2nd mortgage. I live in Arizona and the new house is in Wisconsin. I have switched everything, Car insurance, electric, mail, Home owners insurance, all things needed including moving expenses. Now I have to see if I can get a loan from a different company and I need to call everything to change dates. I have been told if I get approved it will take 30 days or longer but I have already quit my current employment and taken a new job in Wisconsin and this creates a real problem. 
He has created a nightmare for me. He was extremely rude, loud and mean over the phone on a three way call with boyfriend and the realtor. I have included supporting documentation. Something needs to be done, what he did is wrong and has hurt many people. At the very least he needs to reimburse my expenses.
Consumer complaint received 2022-07-22
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. (CA)

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/2013 Asset Amount : {$0.00}.
Consumer complaint received 2020-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

You sent me a letter stating that the accounts were verified and accurate, but you said nothing on how the account was verified.You sent me no documents or information that your company relied on to verify the account below. These accounts below have multiple inaccuracies and inconsistencies in the reporting between all 3 credit bureaus. I have pointed them out once again. They needto be reinvestigated and Deleted from my credit report. 

XXXX ( Original Creditor : XXXX XXXX ) This account is a result of identity theft. 
XXXX XXXXDisclose all bank transactions and statements that correspond with these creditors claim that my payments were late. If these documents are not provided, these late payments must be removed/updated to paid as agreed. 
XXXX XXXXDisclose all bank transactions and statements that correspond with these creditors claim that my payments were late. If these documents are not provided, these late payments must be removed/updated to paid as agreed. 
XXXXDisclose all bank transactions and statements that correspond with these creditors claim that my payments were late. If these documents are not provided, these late payments must be removed/updated to paid as agreed. 
XXXXPayment History shows six, 120 day late payments consecutive. Which it is not possible for me to be 120 days late for 7 months in a row. This is not accurate reporting. Action : please remove all from this account and update the account as paid as agreed or Delete. 
XXXX XXXXDate of Last Activity shows different on each bureau which is no possible way to have last activity on three different days for the same account. TransUnion shows XX/XX/2015, XXXX shows XX/XX/2015 and XXXX shows XX/XX/2015. XXXX : Please Delete Immediately. 

It is your duty, mandated by law, to reinvestigate any dispute sent by consumers. Noneof the furnishers ever provided any proof to methat the accounts listed above was reported 100 % accurate.
Consumer complaint received 2020-08-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (WI)

Good Morning, I made a payment on XX/XX/XXXX for the amount of {$1400.00} and then the next day the mortgage company ended up pulling out another amount the next day through their auto pay feature. I called them and let them know and they apologized and said they would get it fixed. I saw that the money was returned to my bank the next day. Following week or two I get a call saying I am late on my payment and explained to them I made the payment and they apologized and saw that the payment was made on XXXX and said they would fix that. I waited a little bit more and was wondering when my request was going to go through and they said that it takes time and they will reach out to me. I wait a 1 week into XXXX and saw that my credit report was hit with a late payment from PHH Mortgage. I asked them about it and they stated I had not made my payment. I explained that I have been working with them on getting this resolved, it took them over a month to let me know that the bank pulled back the check itself and that they actually returned the payment that actually was made. I have been asking them to remove the late payment off the account and they are refusing to do so. 

I also spoke to another associate who said that they will continue to deny my request no matter who is at fault to remove the inquiry. 

Thank you!
Consumer complaint received 2020-08-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK (UT)

I got a loan with Discover when I was still in school and didn't fully understand about financing options. I had 4 different loans with them totaling ( as of XX/XX/XXXX ) over {$26000.00}. I started working on reducing my loans total and managed to pay off one of the loans. As of XX/XX/XXXX my balance was {$23000.00} and I started paying MORE ( but not a lot since I can't afford it ) than my minimum monthly payment. Even then, my balance has constantly crept back up and now it's {$23000.00} ( after 2 months of more than minimum payments ). My payments go mostly to interest payment, not principal balance. When I talked with them, I was told that interest accrues daily, so I pay interest first. I find this unfair, and would like to be able to make principal payments first.
Consumer complaint received 2020-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (FL)

My name is XXXX XXXX, residing at XXXX XXXX XXXX XXXX XXXX, FL XXXX On XX/XX/2020 I went an evaluation at Smart Shape body clinic located in XXXX, Florida. 
I was evaluated by XXXX and at the end of the conversation she asked me if I want to see if I qualify to finance the procedure. I agree she went and filled the qualification forms for me. She never said my account will be charged right away and not after the procedure and I did not expect that either. 
I made an appointment but unfortunately, I could not go forward and have the procedure done due to family matters. 
I contacted the company Comenty Bank and I explained I have no procedure done and been told me I have to contact the office and talk with them first. 
So, I did. I talked with XXXX and she said she will solve the issue but will take up to week before she can investigate, and she will contact me and let me know.She did not returned to me.I concatenated again Comenty Bank after to contest the charge .They said i am charged because I didn't show up for appointment and they had me scheduled. 
In order to have a procedure done you need to have XXXX XXXX   done and for a XXXX XXXX  patient need to have a XXXX   .Few day before I got the phone call I called the office as I had a question about the testing. 
The office manager did the application for me to see if I get the amount needed to have the procedure. I didnt expect to be charged when no work was done. If I have to use any credit card, I pay for a service reentered. NO credit card will charge and deliver the goods 3 months after. 
I was out of the country and have no international plan in my phone. This day who needs it when we can talk international using other methods that are free, such as XXXX, messenger etc. This been said I have been able to get any phone calls from the US I  had been to XXXX  clinics before and been charged for an appointment a deposit of {$50.00} not {$10000.00}
Consumer complaint received 2020-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

HOW ARE YOU? How r u during this pandemic? Listen, I continue to be surprised & shocked how your company continues to say that they verify this public record of bankruptcy. I have recently been informed that there is a Bankruptcy in the file you maintain under my Social Security Number. Upon ordering a copy of my credit report, I see an entry listing Bankruptcy pubic record. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove said information from the consumer credit file because i also received the letter from us bankruptcy court stating as such as you can see on the attachment. The United States Bankruptcy courts DO NOT report  any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, the credit bureau actively searches public records for any judgments and tax liens through third-party research. A Bankruptcy is a piece of public information, Again, the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcies through third-party research. I also, must add that your recent investigation doesn't provide a data furnisher name, it only states that it was certified to your company that the information is accurate, my question is how and from whom?
Consumer complaint received 2020-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY (NJ)

I have an American EXPRESS Cash Magnet credit Card. When I opened the account I had a promotional APR of 0 %. The minimum due for each statement was payed regularly and was approximately XXXX XXXX 
On XXXX XXXX I received a paperless bill where my Minimum due amount increased to XXXX XXXX 
Upon contacting the customer care representative I did not receive any answer on why the amount had increased and why the minimum due can not be reversed to XXXX $ a month. 
The company has not explained in any of its statements on why customers are responsible to pay more in minimum due and what they can do to avoid that fees from being payed.
Consumer complaint received 2020-08-24
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: HYUNDAI CAPITAL AMERICA (NV)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-08-24
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. (GA)

Me and my wife have both been victims of identity theft after our personal belongings were stolen while on vacation. We submitted all of the proper documentation to the bureaus on XX/XX/2020 ... .no alert was place on my file and none of the fraudulent accounts were blocked or removed per section 605B of the FCRA.
Consumer complaint received 2022-02-05
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. (CA)

This is my 4th attempt to get this matter resolved. I've submitted 3 previous complaints with the CFPB & you claim I'm submitting the information for someone else... I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. Experian has failed to comply with Fair Credit Reporting Act ( FCRA ). I disputed information was reporting to my credit file held with Experian. These accounts were opened fraudulently. I informed them of the issue & provided them with the required documents to block/remove the accounts via FCRA Section 605b XXXX They have failed to block the accounts, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the accounts. I need the following accounts removed from my report ASAP. Here are the names of the data furnishers & the account # 's - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-24
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: Experian Information Solutions Inc. (CT)

My Daughters private Student loan was paid off in full a year or so ago. There was a late XXXX payment possible 3 years ago. I asked all three bureaus to update my report to close my account as paid in full and satisfied. 
Well trying to better my credit and this sneaks back up on all my there reports stating I was 60 days past due. They keep reporting that monthly while my loan is now paid in full and closed. 
They need to remove that remark off my 3 credit bureaus as its looks like my parent student loan is still active as of this date and its still 60 days past due. There reporting this monthly and its hurting my credit score. They need to stop reporting my paid and closed account with a  high rank I loan paid and satisfied only. 
Please look into this and have then straighten this out as they certainly must think I am still active.
Consumer complaint received 2020-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Me and my wife have both been victims of identity theft after our personal belongings were stolen while on vacation. We submitted all of the proper documentation to the bureaus on XX/XX/2020 ... .no alert was place on my file and none of the fraudulent accounts were blocked or removed per section 605B of the FCRA.
Consumer complaint received 2020-08-24
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Gatestone & Co. International Inc. (MI)

Gatestone and Co acting on behalf of XXXX XXXX has been contacting family members despite a resolved complaint to the CFPB on XX/XX/2020 where XXXX stated they would no longer contact at least one family member 's home and cell numbers. They have been doing so in breach of the FDCPA and TCPA by utilizing robocallers as well as spoofed telephone numbers such as XXXX.
Consumer complaint received 2020-08-24
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TFS FINANCIAL CORPORATION (GA)

I was denied a loan by Third Federal stating " income insufficient for amount of credit requested ''. I've consistently been working since 2012 as a doctor and have several homes paid off. The XXXX loan I requested was on a home that is also 100 % paid off, and my average annual salary is likely right around XXXX or more. There is no reason why I should not qualify for the loan. Cash on hand is XXXX bank account, XXXX in stocks. I only have 1 mortgage of XXXX on a home rented for XXXX monthly. I believe there is likely some discrimination going on, just follow the money and you will clearly see this makes absolutely no sense.
Consumer complaint received 2020-08-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2022-09-11
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. (NJ)

I, XXXX XXXX, a federally protected consumer exercised my rights per the Fair Credit Reporting Act and the Fair Debt Collection Act by submitting a dispute to Equifax on XX/XX/2022 and XX/XX/2022 via the Equifax consumer online dispute center. Equifax responded on XX/XX/2022 that the disputes were received and could take upto 30 days for completion. Equifax also ensured that all investigation results would be shared with me at the end of the investigation by Equifax as well as the creditors which are XXXX XXXX XXXX and XXXX XXXX XXXX On XX/XX/2022 and XX/XX/2022 Equifax contacted me via email and the online Equifax dispute center to inform me that my dispute investigations had been completed as of XX/XX/2022 and XX/XX/2022. Equifax failed to ensure a thorough investigation because XXXX, XXXX, and Equifax are all reporting incomplete, inconsistent, and inaccurate information in regard to both disputed accounts as of XX/XX/2022. Equifax claims to have conducted an investigation yet I have not received any debt validation results that would support permissible purpose for these accounts being furnished by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and also no permissible purpose for the reporting of incomplete, inconsistent, unauthorized, and inaccurate information to my Equifax consumer report. This is a clear example of equifaxs willful noncompliance and negligence with rectifying my affairs. This is a violation of 16 USC 1692 and 15 USC 1681b. If equifax is claiming to have investigated yet I can not determine between XXXX, XXXX, or equifax who is housing accurate consumer information then accounts must be deleted immediately. Also, the creditors of the above-mentioned accounts have failed to provide debt validation within 30 days of receiving the dispute request thus these accounts must be deleted/ permanently removed immediately upon receipt of this complaint.
Consumer complaint received 2020-06-09
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. (MD)

I rented a car in XXXX from XXXX XXXX XXXX XXXX in XXXX, Florida. Their online policy states that they take a {$250.00} deposit to be refunded when the car is returned. They never returned the deposit. I tried to contact the company and they never responded. In XXXX I contacted Chase Bank, as it was their Southwest credit card.  They refunded the money, then recharged my account in XXXX saying that XXXX " denied '' the dispute. No reason or explanation was given. As per Chase 's instructions, I faxed Chase the XXXX written policy and the contract with XXXX that says that XXXX will refund the deposit when the car is returned. Chase never responded to me. I called Chase again and an agent said that they ( the credit card company ) are " deciding '' the matter. Again, I never heard back from Chase. When I asked to speak to a supervisor, the agent said that they don't have supervisors available, and that " supervisors can't do anything ''. Again, no reason or explanation was given for their " decision ''. I then went on line and saw that many other people complained about this practice. It seems that Chase and XXXX may be in collaboration in this underhanded scheme, and many other people are scammed in this same manner! .I was under the impression that credit card companies must look out for their customer, and that consumer businesses must be held to their written contracts. I have all the documentation, and can send that to you. Please help.