davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ralis Services Corporation (CA)

On XX/XX/XXXX I applied with XXXX  XXXX of XXXX California for a loan of {$170000.00} at an annual interest rate of 2-7/8 % to refinance my existing home loan and fold in an existing Home Equity Line of Credit. During the processing of the loan the loan officer, Mr XXXX XXXX, overstated my outstanding debts and understated my income. Specifically, he included as a debt an annual one-time XXXX XXXX membership fee of {$95.00} as a monthly debt, manufactured a mandatory monthly homeowner association fee of {$60.00} per month ( there is none ) without consulting me, inflated a small credit card debt of {$74.00} to be a monthly debt and used a gas credit card debt which is paid monthly as other debt. 

With regard to income, he listed on XXXX XXXX  form 1003 income from a commercial building I own ( with partners ) as a residential 2-4 unit  building and a separate condo I own as another residential 2-4 plex. As reported on my XXXX federal tax return my total XXXX income was {$3400.00} per month while Mr XXXX listed it as {$2200.00} per month, a discount of over 33 %. In addition, Mr XXXX refused to include my federal Required Minimum Disbursement from my IRA, saying it wasn't appropriate. For XXXX this is {$8300.00}. As a result of these shenanigans Mr XXXX increased my interest rate by 1/4 % to 3-1/8 %. He also required that a car loan of {$3400.00} ( at 0.9 % annual interest with only 16 months to go ) be paid off. He then raised the loan amount to {$170000.00}. 

Unfortunately I never had a chance to review the loan application before closing. Loan documents were drawn three times by the escrow company, with the first two times having the name of the borrower ( me ) incorrect. These documents were returned to the escrow company without a review. The third time the mobile notary public was pressed for time and hurried me through the signing, not giving me a chance to review the documents. I only discovered these discrepancies later.
Consumer complaint received 2022-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

My full legal name is XXXX XXXX XXXX. XXXX, Experian and XXXX incorrectly list my name as XXXX XXXX XXXX. Please help me to correct and restore the accurate spelling of my name on my credit reports generated by XXXX, Experian and XXXX.
Consumer complaint received 2021-06-14
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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

This is a complaint against Capital One Credit Cards and their failure to follow the Federal Law and mark my Credit Reports with my Dispute of the 3 accounts they are reporting with them. I've sent 2 different letters via the USPS Certified Mail and all were signed off on at Capital One on XX/XX/2021 and XX/XX/2021. These were all confirmed delivered from Capital One 's communication to me in response to receiving these letters. However, Capital One has violated the Federal Law and my rights under the FCRA by not marking my Credit Reports within the 30 days allowed per the Federal Law and the FCRA. I've attached Proof of this of my Credit Reports from the following dates XX/XX/2021 ( past the 30 days of my dispute letter received by Capital One on XX/XX/2021 ) XX/XX/2021 ( well past the 30 days of my dispute letter ( s ) received at Capital One on XX/XX/2021 and XX/XX/2021 ) and today XX/XX/2021 ( well past the 30 days of my dispute letter ( s ) received at Capital One on XX/XX/2021 and XX/XX/2021 ) I've enclosed all the letters that were sent to Capital One, the USPS Certified Mail receipts that they signed for them and received them, and copies of my Credit Reports on 3 different dates showing they violated the FCRA and Federal Law by not marking my Credit Report with remarks that I am disputing the information they are reporting. My rights have been violated by Capital One not following Federal Law and also my rights under the FCRA. Their failure to follow the Federal Law and my rights under the FCRA, has affected my ability to obtain further credit. This will also be filed with the XXXX and the Office of the Attorney General. Thank You for your attention to this matter,
Consumer complaint received 2021-06-14
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: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

There are accounts that dont belong to me on my report.

1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.

2. Identity Theft XXXX XXXX Account Number : XXXX  This is not mine.

3. Identity Theft SANTANDER BK Account Number : XXXX This is not mine.

4. Identity Theft XXXX XXXX  Account Number : XXXX  This is not mine.

5. Identity Theft XXXX  Account Number : XXXX  This is not mine.

6. Identity Theft XXXX XXXX  Account Number : XXXX  This is not mine. 7. Identity Theft XXXX Account XXXX : XXXX This is not mine.
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

There are several things that have happened : XXXX XXXX : On XX/XX/2022, it says that we had a late payment on all three of my credit bureaus. The payment was processed through their portal but it did not go through and I was never notified even though I received a payment confirmation. 

XXXX XXXX : This account was opened in XXXX through XXXX XXXX XXXX XXXX for a new mattress. I was told that I would receive information on how to pay my bill in the mail. Nothing ever came. I called XXXX at least 3 times trying to get information on how to pay. The automated system would hang up on me because I didn't have an account number, but I didn't know the account number because I never received anything in the mail. They then texted me on XX/XX/2022 to call them to make a payment. Relieved, I called them, made the payment and the money was drafted over the phone. Then they charged me for a 30 day late. They would not remove it on their end and told me there was nothing I could do. 

Multiple Inquiries on my credit report : I tried to get a business loan through an online lender and they gave my confidential private information to 3rd parties who have continually run credit checks on my account. I'm livid. I think there are 30 different inquiries right now.
Consumer complaint received 2020-08-18
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. (FL)

I have initial filed a dispute on XX/XX/2020 for inaccurate information being reported. On XX/XX/2020 I sent in another letter hoping to get acknowledge. As of today XX/XX/2020 I have not received any information regarding an investigation. It has been well over thirty days and I would like for a thorough investigation to begin immediately.
Consumer complaint received 2022-09-20
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NC)

My student loan payments doubled this year from roughly XXXX to roughly XXXX. I am a XXXX XXXX  and have been making my payments for the time I've been in XXXX  XXXX. This is not counting the XXXX  years I made massive ( XXXX $ XXXX ) payments and never was able to touch the principle amount due to the predatory interest rates. I called the company ( XX/XX/XXXX ) to attempt to work with them to lower the payments while I'm in school for the rest of this school year ( XX/XX/XXXX ). I was told ( my an incredibly rue and condescending manager ) that the loan ran out of in school deferment and that they only people who qualify for in school deferment extension are XXXX XXXX  students and " people who can write a prescription '' despite my program being longer than law school. Apparently Navient doesn't consider XXXX programs to be as important as law school. I explained that there is no way I can afford almost XXXX $ a month since my entire stipend is only XXXX a month and I have a child and an elderly parent I provide for. The manager 's response was to " figure it out. '' I was also asked " if there is any reason my cosigner can't help '' despite the company having record that he died almost a decade ago. I know they have that information because they threatened to sue my grandmother for money despite the fact that I have been making full and on time payments.
Consumer complaint received 2021-06-14
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I recently disputed inaccurate or erroneous information on my credit report with all three credit bureaus TransUnion, XXXX and XXXX It has been over 70 days and I have still not received any investigation results from any credit bureau. I included a copy of my drivers license and social security card as instructed. I read online that the credit bureaus have 30 days to respond to an investigation and they have not done so.
Consumer complaint received 2022-06-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance to Consumer Fair Act 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 an account without my written instructions.
Consumer complaint received 2021-06-14
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (OR)

On XX/XX/XXXX, I applied for a refinance of my home with a cashout to reduce debt. The refinance closed on XX/XX/XXXX and I received checks to payoff the debt on XX/XX/XXXX. Comenity-XXXX was one of those accounts. The payoff amount was {$350.00}. XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX sent me check # XXXX in the amount of {$350.00} to send to Comenity-XXXX  XXXX. I mailed this check on XX/XX/XXXX with a copy of my current statement. As of XX/XX/XXXX, that check had not cleared and the payment had not been posted to my account. I had been charged a {$29.00} late fee and {$8.00} in interest. I contacted my mortgage company and told them a check may have been lost. I contacted Comenity-XXXX and told them a stop payment had been issued and I was sending a new check. This was check # XXXX and it was issued on XX/XX/XXXX. Comenity-XXXX  XXXX gave me an address to send the new check. That address was XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, TX, XXXX. On XX/XX/XXXX I paid {$26.00} to 2-day Express Mail and get a receipt that the check had been received. I received the receipt with the signature of a representative from Comenity-XXXX  XXXX signing for the check on XX/XX/XXXX. However, my payment was not posted to my account until XX/XX/XXXX. I started receiving phone calls from Comenity-XXXX  XXXX around XX/XX/XXXX telling me I was in arrears on my account for non-payment of a debt. On XX/XX/XXXX, Comenity-XXXX  XXXX processed check # XXXX. This check was returned to them due to a stop payment being issued as the check was presumed lost. Comenity-XXXX  XXXX contacted me regarding the return of my payment. We had the conversation once again that the first check had a stop payment issued since the payment had not been recived by Comenity-XXXX  and a second check had been issued. I had receipt of Comenity-XXXX  receving the second check. I was told there was no documentation that anyone from Comenity-XXXX  had spoken to me. I was told to go to the secure message center and file my complaint in writing which I did on XX/XX/XXXX. I received a letter in the mail, dated XX/XX/XXXX that they are researching my complaint and it may take up to 90 days. It also stated I would receive notification of their findings. To date, I have received no communication with the exception of a bill showing my {$350.00} payment, check # XXXX posted XX/XX/XXXX and that I still owe XXXX in late fees and interest. I called Comenity-XXXX  today, XXXX XXXX to ask to have the fees reversed and was told Comenity-XXXX will not do that anymore. I asked to speak to a supervisor and was put on hold only to be put back into the automated answering system loop.
Consumer complaint received 2021-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

Inquiries I have no clue of are : XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX- XX/XX/XXXX XXXX  XXXX, XXXX I already reached out to each to company and all they told me was to contact the credit bureaus to resolve this matter.
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (PA)

Due to current dispute that you have closed with the CFPB and alleged that all accounts disputed were verified by legal means, I demand your method of verification pursuant to 15 USC 1681i in all items disputed. According to the FCRA I am entitled to a detailed description of your methods to verify this information. In addition please provide documentation provided from you from original creditor showing consent and informed consent. 

I was not given any information on opting in or out of credit reporting, nor was I supplied with anything that said my personal information with be furnished to a third party of any sort, and since the US banking system relies upon your truthful and unbiased reporting 15 USC 1681a. I require that you act in due diligence to secure my rights as a consumer in this transaction and behave in good faith. According to your policy, you receive all relevant documentation so secure consent and I would also like to see these documents with my wet ink signature. 

Per page 3 of your data sharing policy, you say that consent was given please also provide this documentation showing that I gave my consent for my information to be shared. ( XXXX ) For good Measure : 16 CFR 1028.116b informed consent : Informed consent occurs when there is agreement to an interaction or action rendered with knowledge of relevant facts, such as the risks involved or any available alternatives. Informed consent often comes up in the contexts of legal ethics, medical treatment, and waiver of constitutional rights. 
The elements of this are including but not limited to : decision capacity, documentation of consent, disclosure, and competency.
Consumer complaint received 2020-09-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (VA)

There is a debt showing up on my XXXX account that has already been proven to not belong to me and was deleted before. The company obviously has sold the debt over to someone else and now Its placed back on my transunion account.
Consumer complaint received 2021-06-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC (TX)

I was notified XX/XX/2020 that I was behind on my loan payment with Heartland ECSI, which was in deferment prior to this. Although I had requested paperless/ email notifications, I was not sent an email notification at all. I called immediately and was prompted to make an online payment -- which I did on XX/XX/2020, this set up a recurring payment for XX/XX/2020 for the full amount due. I was told that this would cover the payments missed and prevent a report of delinquency to the credit bureau. Unfortunately, Heartland ECSI did in fact report this as a delinquency to the credit bureau. I called again, and inquired why this occurred, as I was told that the payment was made in time to avoid this credit issue. The representative I spoke with said that if I had made a One Time Payment on the day that I initiated the payment, it would have avoided the credit issue completely ; however since I was instructed to create a recurring payment ( that didn't go through until the 1st of the month, XX/XX/2020 ), this caused the payment to be a few days too late to avoid the credit reporting issue. This representative apologized for the misinformation from the previous representative, and she then informed me that I could take action to correct this issue and remove the delinquent notice on my credit. The representative sent me forms to apply for a forbearance. She said that this would resolve the issue and completely eliminate the delinquency on my credit. I filed for the forbearance as I was instructed and it was successfully applied to my account. Once the forbearance was active however, I noticed that the delinquency notice was still showing on my credit and my credit score was still significantly lower than prior to this notice. I called once again to Heartland ECSI, and inquired on why this was the case. The representative I spoke with stated that the previous representative was incorrect in the information she relayed to me regarding the forbearance. The representative said they could see the notes from that conversation, and he stated that a forbearance would have been able to resolve the credit issue if I did not make a payment at that time to cover the missed payments. He apologized for the misinformation that I had now received multiple times, and he said there was nothing they could do. My credit score went from XXXX to XXXX ( from the credit sources I checked ), and I now had a forbearance on my account due to the constant misinformation and lack of communication from Heartland ECSI. I would greatly appreciate if this issue could be resolved and corrected on my credit, as I was misguided by the incorrect information provided to me by Heartland ECSI.
Consumer complaint received 2021-06-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (IA)

This letter is a formal compliant that you are reporting and incomplete credit information. According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file I demand that the following accounts be verified or removed immediately failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount
Consumer complaint received 2021-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

Inquiries I have no clue of are : XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX  XX/XX/XXXX XXXX  XXXX, XXXX I already reached out to each to company and all they told me was to contact the credit bureaus to resolve this matter.
Consumer complaint received 2019-10-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (DC)

I booked the XXXX XXXX & XXXX by XXXX, XXXX XXXX XXXX room through Ultimate rewards portal on XXXX XXXX, 2019 ( Itinerary XXXX ). There was no explanation that the hotel was under construction on the Chase website. However, at XXXX there was construction and banging outside the our window. After a long flight the previous night the construction was quite disruptive. After asking for a refund from the front desk they told use that since the room was booked/paid for through XXXX only Chase could refund it. So we left the hotel and called Chase to ask for compensation. The chase rep refused saying that the hotel was the final arbitrator of whether to give the refund and it was the hotel 's fault for not updating their listing through the app. I find this unacceptable. 

Ultimately, Chase falsely advertised the room. They have the power to compensate me accordingly for this bate and switch/horrible experience. I have attached a photo of the view from our room.
Consumer complaint received 2024-12-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo has a history on me that goes back to XXXX and I recently tried to open a XXXX XXXX with them. They would not classify the account correctly. They insist on changing my status to a citizen. I am not nor have I ever been a XXXX XXXX. I was born into the XXXXXXXX XXXX XXXX XXXX XXXXXXXX, I have proof of this. My account should not read any other status but the one I state. 

I also gave them a copy of the reservation paperwork for my living being which I have notarized and submitted to the Secretary of State, both forms apostle and authenticated to receive the secretary of Pennsylvania seal and numbers. 

This documentation was not applied to my account and it was closed because of their lack of due diligence. As such I would like an accounting completed nonc pro tunc to verify all payments and funds that are due to the estate be accounted for.