davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AG AH LLC (CA)

1. When CV-19 hit, our tenants told us that they had lost their jobs and that we could not pay the rent on our single family house. 
2. We requested CV-19 Forbearance of the mortgage payments in writing on XX/XX/XXXX, and again on XX/XX/2020. 
3. We received a letter informing us that our CV-19 Forbearance Plan would begin XX/XX/2020. 
4. On XX/XX/XXXX we requested that our Forbearance Plan start, and include XX/XX/2020. We also requested that any negative credit report of a missed payment be removed. 
XXXX. On XX/XX/XXXX we received a reply to our XX/XX/XXXX email. The bank stated : " We have received your recent inquiry regarding your mortgage account. Your credit dispute has been forwarded to our credit team. Please allow time for the research and resolution for this request. '' 6.  On XX/XX/XXXX we notified the bank that we had still not received a response to our demands for correction and that we would be filing a complaint with the CFPB. 
7. We have never heard from the bank following their XX/XX/XXXX email to us.
Consumer complaint received 2022-08-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have XXXXcomplained times. The problem has not been resolved. my fico has me at a credit score over 719 transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 120 days straight with transunion i spoke to a representative agent name XXXX and XXXX XXXX and XXXX and XXXX and XXXX and XXXX XXXX from the fraud department they don't help waste ever and lie saying that its been disputed but come to find out was never disputed which is causing me more XXXX I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution.next step is to take transition to court to sue for defamation of character of my name and damages that was caused to me They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 120 days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 87 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now. nobody helping me and I don't wan na live no more i cant get aproved for anything which is casing me even more XXXX
Consumer complaint received 2018-12-06
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (MO)

I don't even remember accepting a loan with this company XXXX XXXX XXXX and I received a call saying they were coming after me for fraud. I asked them to send me a contract or some type of information and the lady told me no. She is a mediator and the call was to see how we can get the debt resolved. I told her the debt was not mine, she insisted that is was and would not send proof. I eventually hung up on her. She did state that the debt was from XX/XX/XXXX and I have not received any information regarding this prior to now. I have been at the same address since XX/XX/XXXX. The called me and threatened me through an automated system and told me that that served as notice and that if I did not contact them today, they were going to sue me and the call hung up. So, I returned the call, they verified my information and told me what I mention above. I don't know these people but they sure know me.
Consumer complaint received 2020-09-03
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (TN)

In XXXX I applied for a refinance on my home which is currently finance by New Rez. I supplied all information needed and I receive a conditional approval around XX/XX/XXXX. I was told the estimated closing was XX/XX/XXXX. I have reach out to this company numerous of times and emails to show as well. I was told by processor she has XXXX files and thats why it is taking so long. I have been asked for the same information over and over again that had been submitted already. I asked to speak to the manager XXXX XXXX who never returned my phone call. When inquiring about my loan in XXXX I was told waiting on title this month it was pay off. This has been a never ending process. It should not take 5 months to refinance when I am constantly asking what is needed. I have had my daughter to reach out several times. No response. I have file a complaint with the XXXX  and the response I received stated we were scheduled to close on XX/XX/XXXX and to contact XXXX her supervisor. I have included the attachment below as well of the complaint. No one should be treated in the manner that me and my husband have experienced. I will continue to write until something is done about this situation as I have already paid over {$500.00} for an Appraisel and each month that I am paying 8.9 % interest rate. is it costing me.
Consumer complaint received 2021-02-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIRST GUARANTY MORTGAGE CORP (NC)

I purchased a new home XX/XX/XXXX. I was contacted by Good Mortgage to refinance my home in XX/XX/XXXX. For over 7 months now they keep checking my credit, asking for the same documentation over and over again, requested I pay out of pocket {$500.00} for an appraisal on a new home when I already had an appraisal just at a year old. I request to be reimbursed {$490.00}. This company has checked my credit once a month and has lowered my credit score due to so many requests of credit. XXXX XXXX XXXX is the loan officer that contacted me. Mortgage Loan Officer NMLS # XXXX O XXXX | Ext XXXX C XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NC XXXX Branch NMLS # XXXX XXXX
Consumer complaint received 2020-09-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I called Transunion and requested to speak to a USA agent in the special handling department, but instead my call was routed to an agent outside of the USA, who told me they were unable to remove unknown inquiries from my credit report.

The inquiry that is showing unknown is : XXXX XXXX Miscellaneous and public record Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX  XXXX, FL XXXX ( XXXX ) XXXX Is everything correct? 
If you don't recognize this information you can contact the lender directly or dispute a hard inquiry by phone or email. 


On the Transunion inquiry section it actually says I can dispute inquiry by phone or email. But when you click the option to do it by email, there's not email listed. If I can dispute it by phone, then why didn't the agent file the dispute for me.
Consumer complaint received 2021-09-06
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: Independence Capital Recovery, LLC (FL)

In my situation, I have a satisfaction letter from a debt collection agency that was given to me. I have taken this and disputed all 3 credit reporting agencies. The results of their investigation has been unchanged and updated. I am trying to resolve a closed account under my credit report that is stating as a Charge Off/Collection from a repo and it needs to be changed to a settled debt. I have contacted all 3 parties and their managers of credit bureaus, XXXX XXXX ( original auto loan lien holder ) and Independence Capital Recovery which is formerly known as XXXX XXXX XXXX XXXX ( debt collection agency who purchased the debt ) to see what they can do. They all give me the runaround saying that there is nothing they can do to update my report. Here is my satisfaction letter attached to this complaint. I settled the account for less than the full amount of {$1500.00} for it to be closed. 

When I have spoken to XXXX XXXX, and XXXX  's dispute center over the phone their response for the unchanged status of that closed account is that they are only a reporting agency and that they have received a satisfaction letter but give this information to XXXX XXXX to verify. They said to contact XXXX. I have contacted XXXX and spoken to a supervisor over the phone named XXXX XXXX and she advised that there was nothing she can do as once the debt has been charged off and sold to another lender they wipe their hands clean with it essentially. As I contact the general manager XXXX of Independence Capital Recovery through his direct phone number he says that this scenario has never happened to him and that they do not report to the credit bureaus. He say 's " he acknowledges the debt has been settled as he knows i have the satisfaction letter but there was nothing he can do and to then further contact the bureaus again. 

The status under these accounts still are under Charge-off/collections and not settled. At the time all of these parties were contacted were the date of XXXX XXXX XXXX
Consumer complaint received 2018-12-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (PA)

Hello. This complaint is a result of a previous complaint XXXX. The complaint was answered but not satisfied. In this complaint i sent evidence of a cashed check by the bank for XXXX. The bank did in fact cash this check as was previously shown. The bank complained that I did not sure the money. First, there was no explanation on the letter that the money had to be wired. Second, when I made the payment at the bank i showed them this letter. They accepted payment and did not tell me to wire the money. They are the bankers and I expect them to know their banks policies. So, to continue, wells Fargo bank did answer my previous complaint. They did not state that they applied the check they cashed to my account. I have not heard anything about a lean release, reimbursement for forced insurance etc ... I want to know what the check for the account that they cashed. When did i get the lean release etc .... I have called them but I do not get a straight answer. Also. Wells Fargo previously stated that they could not contact me.. Not true, I spoke to them several times when this started and they were just evasive. The last person I spoke to would not give me an answer concerning the title. Thank you
Consumer complaint received 2022-10-10
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)

Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2022-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2021-03-20
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. (LA)

I've seen those inaccurate and unknown accounts on my credit report, so Ive sent documentation lastXX/XX/2021, it almost 30 days now but I haven't received any response yet. I demand to REMOVE ASAP those accounts or I will file litigation.
Consumer complaint received 2021-11-16
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. (LA)

On XX/XX/2021, I called the companies and advised them that I had no ideas where these inquiries came from. They told me to contact Equifax and ask that they remove them because each company stated that have no idea where they came from either. 
XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX
Consumer complaint received 2020-09-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 
Initial dispute sent XX/XX/2020 30 Day demand to comply sent XX/XX/2020
Consumer complaint received 2020-09-03
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: Specialized Loan Servicing Holdings LLC (CA)

Hello CFPD, it has been more then a YEAR, Trying to Work with MORTGAGE/LADAR to CORRECT-REMOVE in-Correct Information is Posted to my Credit Report. # as fallows . 
XXXX Date Generated : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX was my Original LANDER, My FIRST Payment was Due XX/XX/XXXX I PAID via Check Amount {$2000.00} But they SOLD my Paper to SLS Servicing XXXX XXXX XXXX, XXXX XXXX XXXX XXXX CO.XXXX Unfortunately. I never Got Credit from SLS Specialized Loan. in-spite. I provide them Several time Copy of Check was CASH on XX/XX/XXXX And it still Sowing on my Credit REPORT LATE/NO Payment. 
I have been Filing Dispute with USA XXXX. Finally I am seeking your Help to Rosevale This issue/ I need HELP. 
THANK YOU XXXX XXXX
Consumer complaint received 2020-09-03
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

My Kohls credit card was removed from my XXXX  report. I have have tried numerous times with both companies to resolve this. XXXX  told me in the last in XXXX and XXXX that they reached out to Kohls and they did not respond. It has affected my score for some time now. Its like talking to a robot. One company blames the other for the card being removed completely. Spent hours and hours on the phone making disputes in writing as well.
Consumer complaint received 2022-03-01
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. (IL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2021-03-20
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. (NY)

A damaged couch was delivered and returned to company. Chase will not take the charge off of my account although documentation was provided showing the couch was damaged and returned. Chase is charging me for a product I never received as advertised. In addition Chase gave a deadline of XX/XX/XXXX for documents to be sent. However closed the dispute prior to the XXXX stating it takes 3 days or more after documents are sent in to be reviewed. Chase is non- complaint with their own process. Holding the customer accountable for their delays in reviewing documentation sent. When I complained. Chase gave me a email to send proof ( XXXX and after 5 days ( sent in XX/XX/XXXX ) Chase still has not acknowledged receipt of files. Chase received no proof from the furniture company of their claim but sided with the furniture company for XXXX even though I have NO Product. Chase is allowing a XXXX company to scam me and make me pay for couch I dont even have. I cant sue the company i. the XXXX because they dont have a business here.
Consumer complaint received 2020-09-03
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: Experian Information Solutions Inc. (VA)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 
Initial dispute sent XX/XX/2020 30 Day demand to comply sent XX/XX/2020
Consumer complaint received 2022-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

My credit card had fraudulent/unauthorized activity. I disputed it with USAA. USAA ignored my disputes until I completed an Affidavit and provided my attorney 's information. Then USAA suddenly completed an investigation and determined that it was fraudulent/unauthorized activity. USAA advised me that they were adjusting my account for the fraudulent activity and that I should refrain from making a payment until they make the adjustment otherwise they would not be able to close my account. I listened to their instructions. USAA did adjust my account but on the same statement, they charged me a late fee for not making a payment for the adjustment. I called USAA and they immediately removed the late fee. However, USAA notified all three credit bureaus that I was late on the payment. I have repeatedly contacted USAA and the agents I speak with advise me that I should not have a late notice on my credit reports and they have tried everything including having me file a report with USAA but USAA refuses to correct the issue. I have repeatedly disputed the information with the credit bureaus but to no avail. I was never late on my payment. I simply followed USAA 's instructions while they processed a fraudulent charge that they should have completed upon my first dispute of the charge.
Consumer complaint received 2020-09-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

The company did not respond with sufficient evidence of inaccurate reporting. Please be advised that this is my SECOND CFPB REQUEST asking EXPERIAN to remove the unverified accounts that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. Please verify or remove from credit report.
Consumer complaint received 2022-08-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.