davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-23
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: VW Credit, Inc (CA)

XXXX XXXX Tel : XXXX XXXX XXXX Lender Dispute : VW Credit Please see attached : The original contract which outlines the vehicle lease terms. I can't locate a signed copy but would appreciate it if the Lender provided one. 

Copies of insurance certificates, proof of complete coverage on the vehicle in question up until the lease term expired. I inadvertently forgot to cancel the monthly insurance and carried it for a few extra months. 

The car was turned in to the XXXX XXXX dealership in XXXX of XXXX. On the day before the lease expired. The vehicle was not a voluntary repossession. 

Two separate credit reports are attached. One mentions a {$5000.00} balance in XX/XX/XXXX. In XX/XX/XXXX, my XXXX  credit report showed XXXX, no outstanding balances for an auto loan. I've attached copies of the current reporting on my XXXX XXXX, and XXXX  reports, where they are incorrectly reporting 46 late payments. I want both agencies to remove this incorrect information.

Emails from Audi reps offering me different options to lease a new Audi. In one email, the representative mentions my payment status. No delinquent balance and four months remaining on the lease at the time of their offer. Why are they charging 46 payments as late? And charging me in XXXX, XXXX, XXXX when there was no active lease. 

I have disputed the VW item with XXXX, and it was removed from my credit report. They did their proper diligence, and I appreciate it. 

XXXX radio was still active when I made my final payment to fulfill the terms of the VW Loan.

At no time have any Audi representatives, or anyone from the VW loan department contacted me regarding the lease and alleged default or loan terms. No phone calls, no letters, no emails other than offers to lease another new vehicle. I'd be more than willing to review any correspondence if produced by VW Credit or an Audi dealer. I have seen absolutely nothing from them. I've requested copies of my payment ledger many times to no avail. 

The car was not repossessed. The lease 's full terms were met, and I'm requesting that the derogatory missed payments please be removed from my credit report as soon as possible.
Consumer complaint received 2020-10-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (VA)

I believe American Express may be practicing predatory lending practices in the era of COVID. I was canceling my CC with them. I dont need it. But these days some folks do need them. I have XXXX FICO. Their promotional APR to keep me as a customer is 22.74 %. Holy cow! If that is for someone with a great FICO and never late payments, what is it for people that have hit hard times? Prime right now is 3.25 %. They we offering me something almost 20 % over prime. Of course I dont have to be their customer and now Im not. But what about those people dependent on these funding sources to supplement lack of income at this time? Is anybody watching this?
Consumer complaint received 2021-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 45 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. Do not send me no automate message I need this stuff fixed.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (CA)

I was a victim of Identity theft in 2019. A Wells Fargo Bank account was open fraudulently in my name and a loan was taken out as well. 

I have tried tirelessly to have this removed from my XXXX  and XXXX credit report. I've reached out to Wells Fargo as well to dispute this and they have not been any help.
Consumer complaint received 2022-09-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CreditWorks LLC (LA)

On XX/XX/XXXX, I notified credit works that my spouse was XXXX  and I was requesting a reduced interest rate base on the XXXX XXXX XXXX XXXXXXXX. Which reads as follows : Universal Citation : LA XXXX XXXX XXXX ( XXXX ) XXXX. Limits on creditor interest rates A. Notwithstanding any provision of law to the contrary, no creditor in connection with an obligation entered into on or after XX/XX/XXXX, shall charge or collect from a person, or spouse of a person, who is on XXXX XXXX interest or finance charges exceeding six percent per annum during the period that the person is XXXX on XXXX XXXX. 
B. Notwithstanding any provision of law to the contrary, interest or finance charges in excess of six percent per annum that otherwise would be incurred but for the prohibition in Subsection A of this Section are forgiven. 
XXXX XXXX amount of any periodic payment due from a person, or spouse of a person, who is on XXXX XXXX under the terms of the obligation shall be reduced by the amount of the interest and finance charges forgiven under XXXX XXXX of this Section that is allocable to the period for which the periodic payment is made. 
D. In order for an obligation to be subject to the interest and finance charges limitation of this Section, the person, or spouse of the person on XXXX XXXX, shall provide the creditor with written notice and a copy of the XXXX XXXX XXXX orders calling the person to XXXX XXXX and of any orders further extending XXXX XXXX, not later than one hundred eighty days after the date of the person 's termination of or release from XXXX XXXX. 
XXXX Upon receipt of the written notice and a copy of the orders referred to in Subsection D of this Section, the creditor shall treat the obligation in accordance with Subsection A of this Section, effective as of the date on which the person is on XXXX XXXX. 
XXXX XXXX court may grant a creditor relief from the interest and finance charges limitation of this Section, if, in the opinion of the court, the ability of the person, or spouse of the person, on XXXX XXXX to pay interest or finance charges with respect to the obligation at a rate in excess of six percent per annum is not materially affected by reason of the person 's service on XXXX XXXX. 
Acts 2005, No. 296, 1, eff. XX/XX/XXXX. 

I followed up with a phone call on XX/XX/XXXX and was told I would receive a call back on Monday, XX/XX/XXXX. I did not receive a phone call, so I sent another email on XX/XX/XXXX. I received a call back from XXXX and she told me my claim was being denied because the law does not cover spouses. As you can clearly read in Section C, it does cover spouses. I requested a response in writing and she told me she could not give me a response in writing. This is my 2nd loan with this company and the loans are offered through my employer, XXXX XXXX which operates primarily in the state of Louisiana. I attached a copy of my husband orders and as well as our marriage certificate and they still refuse to comply with the law.
Consumer complaint received 2021-10-19
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SELECT PORTFOLIO SERVICING, INC. (CT)

Ok so this has been a long dragged out situation!!! I filed a CFPB report about this already and the situation has only got worse AND they lied to the CFPB in their answer. 

My Father passed away XX/XX/2021 Sadly, I contacted SPS shortly after about his 3 mortgages with them because sadly he was in the middle of the Cares act ( Pandemic relief for mortgages ) and that has to be either modified or extended etc which requires me to be able to speak to them and do either the modification or the extension of the Cares act. 

Which means I can't simply just continue payments after he passed, it requires me to deal with SPS. 

So they stated I needed to provide the Death certificate to speak on the account, I did, they took 2-3 weeks to " process/Verify/Review '' it, then came back and said " Well sorry you were mis informed but now we need the Will '' I gave the Will. Took over a month to " process/Verify/Review '' the Will which shows me as the executor as well as the property being left to me, they came back with " Sorry you were mis informed AGAIN we need the probate documents signed by a judge '' I start Probate ( not a fast moving situation and even worse being done during a Pandemic ) FINALLY after about 6 weeks, I get the document from probate signed by a Probate Judge!!! SPS once again takes their sweet time ( dont remember how long this time ) to Verify it, comes back NOT GOOD ENOUGH, I speak to a supervisor at SPS who agrees with me and says " this is more then enough im going to resubmit it and you should be all set in 72 hours '' 72 hours pass and NOPE " Sorry you were yet again mis informed, we need the deed transferred over in your name '' I spoke to Probate court this morning and they said it sounds like SPS is playing games and stalling, Probate said what they gave signed by the JUDGE is enough, even said to have SPS call them directly and even speak to the judge, SPS refused. 

MEANWHILE SPS is sending foreclosure letters even know THEY are stalling!!! it seems like a scam and Probate agrees as does the Judge!!!
Consumer complaint received 2021-03-18
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: EQUIFAX, INC. (TX)

I have filed multiple disputes with Equifax concerning an unauthorized hard inquiry ( Comenity bank/XXXX XXXX Acct # XXXX ) and an unauthorized collection account ( XXXX XXXX Acct # XXXX ) {$1100.00} on my credit report. On XX/XX/XXXX, I sent my second round of disputes and the collection came back verified. On XX/XX/XXXX, I sent my third round of disputes and on XX/XX/XXXX, I received partial investigation results from Equifax that the hard inquiry and collection account was verified. This is a lie because on XX/XX/XXXX, XXXX XXXX sent me a letter and also sent a letter to Equifax saying " After review of the XXXX XXXX Reward claim, we have concluded that you are not responsible for the disputed account. '' Also, the letter stated that they submitted a request to Equifax to remove this off my credit report. This is evidence from the creditor stating that the account isn't mine, so how does Equifax continue to say the hard inquiry is verified? That's a lie! Additionally, since Equifax would not remove the collection account off my credit report, I filed a XXXX complaint on XX/XX/XXXX on Concentric Receivables for having an unauthorized account on my Equifax credit report and on XX/XX/XXXX XXXX XXXX responded to the XXXX complaint stating, " We have no record of any disputes or communications with such complaint. However, today we submitted a deletion request to the credit bureau. '' This is evidence that the collection account needs to be deleted immediately. If the creditor has no record of three rounds of disputes, this lets me know that Equifax is not sending my dispute letters to each creditor and just annotating " verified '' on the investigation results when it wasn't verified. This is really starting to irritate me. I am also a victim of the Equifax data breach. This hard inquiry and collection need to be removed from my Equifax credit report today!
Consumer complaint received 2018-11-29
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (GA)

REQUEST FOR XXXX AND OR PERMANENT MODIFICATION BY CHASE WAS HELD FROM XX/XX/XXXX TO XX/XX/XXXX OVER A YEAR AND NEVER COMPLETED WITH ALL REQUESTED INFO SENT. XXXX XXXX XXXX TOOK OVER A YEAR TO FINALLY APPROVE A PERMANENT MODIFICATION IN XX/XX/XXXX WITH A AFFORDABLE PAYMENT AMOUNT BUT AFTER A YEAR OF PAYMENTS BY ME ON TIME DECIDED IT WAS NOT A PERMANENT MODIFICATION. THIS IS NOT SHOWING ON MY CREDIT REPORT. I HAVE ASKED ABOUT MY CREDIT REPORT TO XXXX JUST RECENTLY AFTER BEING DENIED FOR AN APARTMENT. I HAVE ASKED IF A STATEMENT COULD BE ADDESHOWING SHORT SALE IS APPROVED AND SINCE LOAN NUMBERS ARE THE SAME FOR CHASE AND XXXX THAT ONE ENTITY BE CHANGED ON CREDIT FILE. I HAVE ASKED THIS BECAUSE OF THE ADVERSE REPORTING EFFECT OF ME UNABLE TO PAY NOW WILL HAVE ON ME AND MY SON 'S CREDIT SCORES.
Consumer complaint received 2022-04-22
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. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2024-12-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (WA)

I have a high interest savings account with CitiBank. My understanding of the terms to keep the account active included making periodic payments into the account. I attempted to access the account and learned the account was in inactive status despite having made additional deposits into the account. When I contacted the customer service center they were unable to verify my account because I didn't have access to the associated ATM card. Finally after speaking with a manager they were able to verify my account and provided me with instructions on how to regain access to the account with required sending a letter with a specific statement asking for the account to be re-activated. I sent the letter on XXXX XXXX and the account remains inactive and I am unable to access my funds. I contacted the customer service center again today and was instructed that their system was going on reboot and that they were unable to help me and that I would need to call them back in 30 minutes.
Consumer complaint received 2020-10-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (FL)

Last year I was approved for a Discover Secured Card. After I sent Discover the deposit my credit card was mailed. Next thing I know Discover closed the account and they didnt even send me a letter. Since then I have tried to apply for a new Discover card and each time I apply it declines stating previous experience with Discover.
Consumer complaint received 2022-01-17
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. (GA)

I HAVE CONTACTED TRANS UNION SEVERAL TIMES REQUESTING FRAUDULENT INFORMATION ON MY REPORT BE REMOVED. I AM A VICTIM OF IDENTITY THEFT AND IVE TAKEN THE PRECAUTION OF ADDING A FRAUD ALERT AND PHONE NUMBER ON MY CREDIT FILE. THIS HAS NOT HELPED ANY AS SOMEONE CONTINUES TO USE MY PERSONAL INFORMATION TO KEEP APPLYING FOR CREDIT WITHOUT MY CONSENT. THERE ARE SEVERAL FRAUDULENT INQUIRIES ON MY FILE THAT NEED TO BE REMOVED IMMEDIATELY. I HAVE REQUSTED DISPUTE INTO THESE FRAUDULENT ITEMS MANY MANY TIMES AND TRANS UNION HAS NOT EVEN RESPONDED TO MY DISPUTE OR REQUEST FOR THE ITEMS TO BE REMOVED. THIS IS A VIOLATION OF MY RIGHTS UNDER THE FCRA.
Consumer complaint received 2020-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I've reached out to credit to ask for them to remove derogatory information from credit reports, they advised they can not help me with my request. Payments were in fact made on account # XXXX. Derogatory information for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2020-10-23
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. (FL)

I have inquiries repeatedly reporting on my credit report from XXXX XXXXXX/XX/XXXX on my XX/XX/XXXX Credit file and I never authorized or applied for credit with that company.
Consumer complaint received 2021-06-02
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. (NC)

This is the second time we are contacting you about a car loan we paid off in XX/XX/1922 XXXX XXXX XXXX via our bank account at XXXX XXXX XXXX. The situation was resolved with us making a new payment having received a refund of the original payment. We have the title of the car. Our balance on XXXX XXXX finance shows XXXX. And yet we are receiving reports from equifax that our credit score has dropped to XXXX + points And then we are past due again.We have spent hours on the phone with XXXX XXXX XXXX, XXXX XXXX XXXX, And all the credit bureaus to resolve this the first time. I am now spinning additional time on this a second time. The car is and has been paid off for months. At this point I believe XXXX XXXX financial services needs to be penalized in a financial way. Their assurances to me over the phone that this is all been corrected are obviously not the truth.I have paid and re-paid the balance on this car. This was an early payoff, that has cost me a huge amount of time and trouble. I work for a XXXX XXXX company. The CFPB able to fine the XXXX XXXX XXXX for XXXX of XXXX for this kind of behavior. I expect XXXX XXXX finance to be held to the same standard.
Consumer complaint received 2023-01-31
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: EQUIFAX, INC. (FL)

To Whom this XXXX concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.
Consumer complaint received 2020-10-31
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)

NEW DISPUTE - not duplicate.

This is now my 5th complaint on Experian regarding the XXXX preferred account listed on my report. XXXX  lists inaccuracies on my report. I have attempted to contact XXXX Preffered on several occasions but the phone number they list on my report of XXXX is a non - working number. I have tried mailing my requests for an itemized statement and proof of who used my information to sign up for the account. I mailed several requests to the XXXX XXXX XXXX but the mail is returned to sender. 

I have asked Experian to update the phone and address they list for XXXX so that I may gather information on who stole my information to get the account. 

However, once again, Experian completes their investigation and fails to correct the inaccuracies and at the very least, update the creditor contact information. 

I have also field a complaint with CFPB on XXXX  preferred and as I thought, XXXX ignored the complaint and has not even responded to CFBB. 

How can Experian continue to list the account inaccurately without using common sense and calling the number XXXX lists on the credit report?
Consumer complaint received 2021-06-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

New Mortgage with Nationstar on XX/XX/XXXX. Payments of {$1300.00} monthly at 3.5 %. Note states payments to start on XX/XX/XXXX. Loan set up with no escrow acct. as we pay our own taxes and insurance. ( Note attached ) On XX/XX/XXXX, I tried to get a loan modification. This was denied by Nationstar on XX/XX/XXXX. ( Denial Letter attached ). My monthly payments continued on time. 

In XXXX of XXXX Nationstar decided to set up an escrow account for our mortgage without my knowledge or authorization. When I received the new mortgage payment I called Nationstar to find out what had happened. I never got a straight answer from any staff member and no one knew why the escrow account had been set up. In my recent correspondence with Nationstar, they claim that it was due to the modification denial. That makes no sense since the denial was in XXXX. Then they also tell me that the escrow account should have been removed at the time of the denial. Like I reported prior, there was no escrow account set up in XX/XX/XXXX. 
In the consequences of Nationstars error in setting up and removing the said escrow account my XXXX payment which was received by Nationstar on XX/XX/XXXX, was reported DELINQUENT to all XXXX Credit Bureaus. 

This error of Nationstar stays on my record as " too many delinquencies '' for 7 years. 

I have been communicating with Nationstar for several months now and they refuse to correct this mistake. They continue to claim they never received my payment until XX/XX/XXXX due to placing my payment of {$1300.00} received by them on XX/XX/XXXX into an " invisible escrow account '' PS : I am attaching only one correspondence between myself and Nationstar but there are several more. Please let me know if you want me to send them. They have already seen them. Not sure they read or paid any attention to them. 

Also since there have been many communications between Nationstar and myself already and no resolution please let me know where else I can venture to get a resolution. Nationstar has already proven they will not budge.
Consumer complaint received 2021-06-01
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. (CA)

XX/XX/2021. {$7600.00}. I have requested XXXX XXXX XXXX  to update the account as I no longer owe them and have a XXXX  balance. the account is reporting that it is in collection and and I have a outstanding past due balance which I dont have with them because we have come to a settlement and I now owned the vehicle. Theyre reporting a closed paid account as in collection and negatively hurt my credit and so I cant get approve for loans. I have also disputed this to the credit Bureaus and they told me to contact XXXX XXXX XXXX, then XXXXXXXX XXXX XXXX telling me to go back to the bureau. They are double reporting a account that is paid as in collection with a balance