davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-14
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. (TX)

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX : XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Getting the loan — 
Company: OPORTUN FINANCIAL CORPORATION (CA)

I when and apply for a personal loan on XX/XX/XXXX got a proof for {$500.00}. On XX/XX/XXXX I was making {$2000.00} per month and I was refinancing my car making payments of {$360.00} my remaining loan was at {$12000.00} that was the only thing that I hade on my credit. On XX/XX/XXXX I when and apply for a loan the same amount and did not got qualify. I toll them to check the application because the person that I was talking to did not know what he was doing. I stars to explaining them that I am making more money today then before and my credit on XX/XX/XXXX was at XXXX fico and now is at XXXX fico my car loan is at {$7500.00} that means that XXXX less then before. I have a credit car from XXXX  XXXX my balance now is at {$50.00} and my credit is for {$500.00} I have never miss payment from credit card there are always on time. Now I am making around {$1700.00} more that is {$3700.00} per month and my bills remand the same. The loan that a took from them I never miss payments and my payments there were always on time plus I received a offer from them because I finish paying my first loan gave them reservation number that came with the offer that was going to expires on XX/XX/XXXX. They did not do nothing to fix the problem and its affecting me I can not ask for another loan for 90 days days
Consumer complaint received 2020-05-14
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (MS)

I received a credit monitor alert of my credit score drop due to a change on my credit card. When I logged onto my account XXXX credit card ( Comenity Bank ) had change my credit limit from {$350.00} to {$100.00}. I've contacted the company to see what happened and they only told me that a letter was sent to me by mail of the changes. It took weeks for the letter to arrive and when it did it stated the changes was made based off what was on my credit report. The problem to me is that I have never been late on my payments, never asked for assistance but when I decided to pay off my credit card they decided to lower my credit limit. I've never asked them for an increase to my credit limit the whole 2yrs I've had my account. I even contacted all 3 credit bureaus and they don't see why the company made that decision. Plus the letter even had my credit score incorrect when they made the decision. I have mailed a certified disputed letter to them and still no changes. They claim they can not make any changes on my account in which I believe is untrue. I don't understand how the company can get over on customers that are doing right with their accounts like this that makes bad business to them.
Consumer complaint received 2023-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Dispute is with Trans Union XXXX XXXX acct opened on XX/XX/XXXX was closed on XX/XX/XXXX by Trans Union but listed as closed by consumer. Pls list acct as it was before. 

XXXX cc open date and payment status isnt updated or correct. Opened XX/XX/XXXX and paid on time every month as agreed. Never late. 

XXXXXXXX XXXX XXXX  payment status isnt correct and start date isnt updated or correct. Started XX/XX/XXXX and paid on time every month as agreed. Never late
Consumer complaint received 2022-10-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (WA)

I had initially contacted Great Lakes ( my student loan servicer ) on XXXX XX/XX/XXXX in order to enact a student loan payment refund under the CARES Act in order to get my student loan payments refunded that I had made from XXXX of XXXX to date. I had used their online services to send them email to request this refund, followed up by a phone call to them in order to ensure that they received my request successfully. The gentleman on the phone went over some details with me, ensured me that my request had been submitted successfully and that I should expect my refund within 30-45 days. After a few days, I received a call from Great Lakes regarding my refund request. The lady on the phone wanted to double check what dates/amounts that I was requesting the refund for. I informed her that I was essentially requesting enough of a refund to get me back to a {$10000.00} balance on my student loans, if possible. With that, we went down the line of my payment history on the Great Lakes website and concluded that XXXX XX/XX/XXXX to XXXX XX/XX/XXXX would be the requested date range for the payment refund and that the total refund would be {$5500.00}. The female representative from Great Lakes on the phone assured me that we were still looking at about 30-45 days for the refund to appear and agreed with that timeline. Following some weeks, I had still not heard nor seen a change in my student loan balance on Great Lakes or a refund in my account. With this, I decided to give it a few more days/another week or so before I called Great Lakes to get a status update. Upon calling their customer support line on XXXX XXXX, I was informed that my refund was still being processed, despite it being over 40 days since my request was submitted. Unfortunately with this call, I was informed that my request was now looking at a time line of 60-75 days, despite having submitted my request all the way at the end of XXXX prior. Unable to help me any further, I thanked the representative for their time and ended the call.
Consumer complaint received 2019-10-28
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. (AL)

I was actively XXXX in the military. I had an account with XXXX XXXX XXXX. While XXXX my then girlfriend started using the card. Although she was making some payments, she was not making others, then just stopped after she maxed out the card and left me. I call XXXX XXXX as well as filed a dispute on my credit report as well as a police report and ID Theft report. The card is still showing on my credit after multiple attempts of removal.
Consumer complaint received 2020-05-21
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.
Consumer complaint received 2020-05-21
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. (OH)

mY NAME IS XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX OH XXXX My DOB is XXXX my SS # XXXX. I am having issues with inaccurate information on my credit file. The following addresses are not mine : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX My current EMPLOYER/ JOB : XXXX XXXX ar XXXX XXXX XXXX XXXX following numbers are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2021-12-08
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: EQUIFAX, INC. (CT)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan is writing today to report and issue. 

I entered a consumer credit transaction with the following companies : XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and extended them my credit and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. They are claiming they originated the credit I extended to them in which constitutes fraud. Pursuant to Federal Law, they have committed fraud and several violations of the FDCPA and TILA. 

I pulled my credit report and disputed items on my report to XXXX, EQUIFAX AND XXXX. They have not provided me with any original documents, and they have disregarded the law in saying they have verified the debt. Fair Reporting Act Section 609 ( a ) ( 1 ) ( A ) states you are required by federal law to verify through physical verification of the original signed consumer contract. I asked for verifiable proof ( an original consumer contract with my signature on it on 2 occasions : XX/XX/2021 & XX/XX/2021. The failure to positively these accounts has hurt my ability to obtain credit. They have taken advantage of me as a consumer and they should be held accountable for deceiving me and not validating the debt. They have not validated anything they have ruined my character and general reputation by reporting erroneous information on the consumer report and included a symbol on the contents of the envelope for the mail carrier or any person affiliated with the mail service or comes in contact with the envelope thats alleging I owe a debt. They act as if they are unaware of what I am requesting or that the law does not apply to them. 

In addition, per the Fair Credit Reporting Act they didnt notify me of the investigation results within 30 days. 

Thank you
Consumer complaint received 2021-11-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (WA)

unknown phone number XXXX text messaged on XX/XX/2021 " PayPal : An unknown device trying to access your account : location : XXXX IP adress ( sic ) : XXXX Navigator : XXXX  ( XXXX  ) Please confirm your information for security measures : XXXX  : XXXX/ '' I do not have a paypal account. 


Thank you
Consumer complaint received 2021-11-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (NV)

I opened up my mortgage and closed with JPMorgan Chase on XX/XX/XXXX and close date was set for XX/XX/XXXX. The entire process was frustrating, with a lack of communication from my mortgage representatives in terms of moving through the mortgage application steps. 

My complaint is centered around the 'Chase Closing Guarantee ' that has yet to be fulfilled despite now more than 2 months have passed. This is the official definition of this guarantee - 'The Chase Closing Guarantee offers assurance to customers purchasing a home with a Chase mortgage that the loan will close on or before the Contract Closing Date, or the customer will receive monetary compensation in the form of a check, post-closing. ' Chase was absolutely at fault here due to their failure in communication on the day of my closing date, XX/XX/XXXX. My mortgage representative only reached out to me at the end of the day, when it was too late to address any issues. Then they tried to blame my agent because the final documents were missing a {$500.00} brokers fee, but my agent had properly communicated ( I have email proof ) the addition of the fee and it was ignored. This caused my mortgage not closing on the date, and having to spend extra time and resources to reschedule any moving contracts. 

Despite all of this, I still have not received a response from Chase in regards to paying out on this promised guarantee which is frustrating as a loyal Chase customer. I've now reached a point where I have to write in this complaint because they have ignored my requests or are hoping I'll drop this. False advertising and I feel completely misled by such a major institution.
Consumer complaint received 2020-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AMERICAN HONDA FINANCE CORP (CO)

Equifax is listing the incorrect dispute street address for American Honda Finance, aka Honda Financial Services. Equifax clearly lists the address for American Honda Finance as XXXX XXXX XXXX XXXX XXXX NC XXXX. This is clearly wrong, the correct address for HFS ' NC location is XXXX XXXX XXXX XXXX, XXXX, NC XXXX. Honda Financial Services also has an address in Texas - Honda Financial Services, XXXX XXXX XXXX, XXXX, TX XXXX. What is the correct address for disputing information with XXXX XXXX XXXX, aka Honda Financial Services. This address provided by XXXX has probably been incorrect for YEARS!!!!
Consumer complaint received 2023-01-15
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: Experian Information Solutions Inc. (IL)

I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX, XXXX, IL XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Consumer complaint received 2021-11-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Marlette Funding, LLC (TX)

On XX/XX/2021, in accordance of the law 15 U.S. Code 1692g - Validation of debts. I sent Best Egg a debt validation letter for an alleged debt. I also sent a cease and desist in accordance of the law 15 U.S. Code 1692c - Communication in connection with debt collection. Since that date I have received an adverse action against me according to 15 U.S. Code 1691 - Scope of prohibition. The debt was originally listed on my Consumer Report as a loan amount of {$25000.00} and on XX/XX/2021 it was updated by Best Egg to {$230000.00}. I have not received any communication by mail providing any validation information for this alleged debt.
Consumer complaint received 2021-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (TX)

I have been unable to get a response from XXXX XXXX XXXX and per the Cardmember agreement on customerfinance.gov, the next step is to start an Arbitration so I can be heard. I previously sent a request to remove a 30-day late payment on my credit report from XX/XX/XXXX. The late payment was not removed and I was advised to mail any supporting documents I may have to Barclays if additional assistance was needed. I have since sent a letter to Barclays in XX/XX/XXXX showing that I had enough money to make the payments and I was unable to do so as I was dealing with the death of my Grandmother, I was away and was in an area that was affected by a natural disaster. I never received a response to my mail. I have also sent 3 emails to XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX but never received a response.
Consumer complaint received 2023-01-15
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: Experian Information Solutions Inc. (FL)

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2022-03-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP (VA)

Ameris Bank 's XX/XX/XXXX XXXX XXXX Account Disclosure Statement miscalculates the escrow balance. The analysis includes : 12 months of " Account History '' for the period XX/XX/XXXX thru XX/XX/XXXX ( see page 2 of the " Annual Escrow Account Disclosure Statement XXXX '' ), and 12 months of " Escrow Projections '' for the period XX/XX/XXXX thru XX/XX/XXXX ( see page 1 the " Annual Escrow Account Disclosure Statement XXXX '' ). 

The analysis was done in XXXX, in the Account History section it includes : a " projected escrow disbursement '' of {$1400.00} for Homeowners Insurance for XXXX, but does NOT include a " projected escrow payment '' of {$830.00} for XXXX. 

So the 12 months of Account History ( XX/XX/XXXX thru XX/XX/XXXX ) includes 12 months of escrow disbursements, but only 11 months of escrow payments. No escrow payment for XXXX is included either in " Account History " or in " Escrow Projections ''. 

The result is that the " Payments to Esc. Acct. Actual balance at the end of the " Account History '' section is missing XXXX month of escrow payment. Therefore the new/revised required monthly escrow payment is higher than it should be. 

I've previously called and written Ameris but haven't achieved any correction, they just re-run the analysis with the same result.
Consumer complaint received 2020-10-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Best Capital Funding (CA)

I had a mortgage loan with Best Capital Funding ( BCF ) XXXX. Loan amount {$170000.00} I did not receive my mortgage statement for XXXX, nor I received any correspondence from BCF regarding to my loan. I contacted BCF twice on XX/XX/XXXX and XX/XX/XXXX via BCF online secured message. They replied to me today XX/XX/XXXX that they sold my loan on XX/XX/XXXX. I did not receive any notification regarding the transfer of my loan. Therefore, I'd like to file a complaint on Best Cap Funding for not notifying homeowner when their loan being sold to another mortgage company.
Consumer complaint received 2022-11-07
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-03-26
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Comerica (MI)

I have been denied 5 online purchases over the past 3 days ( XX/XX/2021 to XX/XX/2021 ) even though funds are available in my direct express debit card account. Calling customer service has not resolved the situation. They tell me I am not allowed to make but a certain number of purchases in a given time period. I rely on online purchases because I have no car and am retired and live in a remote area. I order mostly from XXXX because they deliver directly to my apartment. Makes no sense I can't use money in my account to buy things I need. Really don't understand why the goverment uses such a poor company to handle the funds of individuals on social security. Please help.