davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (CA)

My loan originated with XXXX XXXX, XXXX. on XXXX. In XXXX, I applied for COVID-19 hardship forebearance, due to less income at my job and my spouse being laid off. I got a 3 month forebearance, and I was told over the phone and in writing that my 3 months would be applied to the " back of the loan '' with no penalties. At the end of the term, I discussed the plan and was told that the agreement stands, and that I would be getting papers to sign to have an interest free balloon payment at the end of the loan. Instead, I got a letter saying that my mortgage was sold to Midfirst Bank or XXXX  XXXX DBA Midland Mortgage. It was stated in the welcome letter that I would have access to my mortgage and ability to make a payment on XXXX. I then received threatening letters dated previous to the date of XXXX stating the mortgage is in default. I called on XXXX to pay my mortgage ( which I did ), and i was informed that NO RECORD of my agreement with XXXX XXXX  was noted. They agreed to put me in THEIR COVID-19 relief program, and even though I was already enrolled AND approved in XXXX XXXX  's program, the new company is not insuring that this would be approved, and they have been making the process extremely difficult. I feel that this is horribly unfair, considering that I was previously approved, no questions asked, and it is in no way MY fault that XXXX XXXX  decided to sell my mortgage to a smaller company. Due to my interactions with Midland Mortgage I do not feel as if my mortgage is being serviced properly, I also do not believe that they are equipped to handle the COVID crisis as well as a larger bank would, I feel as if my mortgage is in jeopardy.
Consumer complaint received 2020-08-27
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. (NY)

I recently sent letters over 60 days ago to this bureau and they are disregarding a regular consumer 's disputes. Iv'e been given the run a round and need this to be solved. I'm deeply stressed because this is effecting me heavily and as a single father to a XXXX XXXX, I am trying to better my future but this is holding it up. I have been sending letters before this and still no response.
Consumer complaint received 2020-08-27
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: LEXISNEXIS (MS)

Lexis Nexis is reporting a Bankruptcy on my credit report. The information is reporting inaccurately. The credit report agencies claim that they have verified this information from Lexis Nexis. According to the court house, they do Not verify this information to the credit reporting agencies or third parties such as Lexis Nexis.
Consumer complaint received 2020-08-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (CA)

LoanDepot was advertising very low fixed rate refinance options to me during XX/XX/2020. However, when I used their website to complete an application, I was notified by their loan agent that LoanDepot does not refinance jumbo loans. However, my application resulted in a " hard-pull '' and is now visible on my credit report. 

The hard pull was conducted by " XXXX ''. However I do not know how to reach XXXX.
Consumer complaint received 2020-08-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (PA)

i have spoke to a representative from citi cards on around XX/XX/2020 regarding interest fees i explained i was having a hard time with full payments due to covid 19 if there was anyway they can wave interest on my account. the representative assured me they would wave a few months of interest from XXXX until XXXX which would be around {$1100.00} in interest i was really releived!! He told me they where 100 percent approved to be waived and it would take 2-3 buisness days to reflect on my account! 
A few days later on XX/XX/2020 i saw the fees where not removed so i called citi card and the representative told me that it went for submission but they where not approved to be waived! i am really upset as i was promised they would be removed and now citi card is telling me there is nothing they can do
Consumer complaint received 2019-10-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

IreceivedanemailXX/XX/XXXXthatmycreditcardswereclosedimmediately.ThatisinviolationwithCIVILCODE-CIVDIVISION3.OBLIGATIONS[1427-3273](HeadingofDivision3amendedbyStats.1988,Ch.160,Sec.14.)PART4.OBLIGATIONSARISINGFROMPARTICULARTRANSACTIONS[1738-3273](Part4enacted1872.)TITLE1.3.CREDITCARDS[1747-1748.95](Title1.3addedbyStats.1971,Ch.1019.)1747.85.
Unlessrequestedbythecardholder,nocardissuershallcancelacreditcardwithouthavingfirstgiventhecardholder30dayswrittennoticeofitsintentiontodosounlessthecardholderisorhasbeenwithinthelast90daysindefaultofpaymentorotherwiseinviolationofanyprovisionoftheagreementbetweenthecardissuerandthecardholdergoverningthecardholdersuseofthecreditcardorunlessthecardissuerhasevidenceorreasonablebeliefthatthecardholderisunableorunwillingtorepayobligationsincurredundertheagreementorthatanunauthorizeduseofthecardmaybemade.
Nothingprovidedhereinshallbeconstruedtoprohibitacardissuerfromplacingtheaccountofacardholderoninactivestatusifthecardholderhasnotusedthecardforaperiodinexcessof18monthsorfromrequiringthatcardholder,uponsubsequentreuseofacard,toprovidetothecardissuersuchupdatedinformationaswillenablethecardissuertoverifythecurrentcreditworthinessofthecardholder.


ThereasonschasebackclosedmyaccountswerestatedasToomanyaccountsopenedrecentlyToomanyrequestsforcreditorreviewsofcreditNowthosereasonsthattheyclosedmyaccountsarenotstatedinthecardmemberagreements.Andthefactthattheywrittenandclosedmyaccountsthesamedayisaclearviolationofthemgivingmeawritten30daynoticeoftheirintenttodoso.Thisisaclearproblem.Iwillbegoingafterarbitrationforthismishandlingofmyaccounts.
Consumer complaint received 2024-09-24
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Viking Client Services (OR)

During the XXXX rental was returned, government credit card was charge. Later, an extra amount charge ( cleaning service ). Tried to talked to the rental agency but no number for customer service to talk about the extra charge. No way to ask about the extra amount charge. Later a letter was received with amount that I must paid.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I am a victim of identity theft, which has resulted in several inaccurate items being reported on my credit report. Despite my previous disputes, the following accounts continue to report negative and inaccurate information : 1. Capital One Account charged off with a balance of {$1200.00}. This account was opened on XX/XX/XXXX, and I did not authorize or open this account. No payments have been made, and I believe this is a fraudulent account resulting from identity theft. 
2. XXXX XXXX XXXX XXXX Account charged off with a balance of {$140.00}. I am listed as a joint account holder with another individual, XXXX XXXX XXXX, whom I do not know. This account was opened on XX/XX/XXXXXXXX XXXX XXXX and I have no knowledge of this account. It appears to be fraudulent. 
3. I XXXX XXXX XXXX ( XXXX Xfinity ) Collection account with a balance of {$110.00}, opened on XX/XX/XXXX. I did not incur this debt, and this collection account is fraudulent. 

I have already taken steps to dispute these items with XXXX, including filing a police report and placing a fraud alert on my credit report. Despite these actions, the inaccurate information has not been corrected.I request that these accounts be thoroughly investigated and removed from my credit report as they are a direct result of identity theft. 

Let me know if XXXX like to adjust or add any other details before submitting!
Consumer complaint received 2024-09-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These transaction are unauthorized. As this account has been closed I had not recognize these charges until now. I ask thats these be investigated and disputed
Consumer complaint received 2020-08-27
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)

The FCRA states that all information reported on a credit report must be % accurate and complete or it must be deleted from the credit report. I sent letters to all bureaus to regarding XXXX  account. I asked to update, fix or delete this account because of the inaccurate information they are reporting on my credit report. They said it was verified and nothing was done to my report. These all are the inaccurate information that they are reporting to my credit report. 

Date Opened : Credit Limit : Last Reported : Date Last Active : Date of Last Payment :
Consumer complaint received 2020-08-27
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: T.S. Holdings (MO)

XX/XX/XXXX at XXXX XXXX Spoke with a rep at IQ Data International and informed rep they have the wrong number. Rep said someone answered and confirmed a call on XX/XX/XXXX I told them that's not true no one has access to my phone and there's no records of a call. The rep then implied I was lying and refused to acknowledge my request to have them stop calling. 

Any time I would ask the rep if they could remove my number the rep said " No '' and  would continue to ask about the original debt owners. The rep thing hung up without removing my number from their call list. 

I received another call from IQ Data International on XX/XX/XXXX at XXXX XXXX.
Consumer complaint received 2020-09-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (NJ)

On XX/XX/XXXX I received the closing details for a refinance. I provided the ACH details and received the amount I had to pay to close on my original loan. From XXXX I received no information other than the closing date was XX/XX/XXXX. On XX/XX/XXXX I closed. The closing docs listed the same amount of cash to close I was required to pay. I confirmed the funds were in the account. The closing disclosure doc listed both the cash to close and the disbursement of funds date of XXXX I confirmed with the settlement agent that the funds would be paid before XX/XX/XXXX so that my original loan did not go past 30 days and he confirmed. On XXXX I called the mortgage company and they informed me there was an issue with the ACH because the cash to close amount was incorrect so the funds were never disbursed and a 30 day late was posted on both my credit as well as my wife 's. When I asked why, thy said on a recorded line that there was a backlog of documents, which is why I was never contacted. They said I needed to pay more money to wire funds to close the mortgage. The amount I had to pay was the exact same amount so they must have paid the difference. Their neglect and inability to communicate with me caused a negative impact for both my wife and me. My wife is not even on the new mortgage.
Consumer complaint received 2020-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

This is my second complaint regarding Equifax not removing the Bankruptcy they claimed in their letter they sent me dated XX/XX/2020, Confirmation # XXXX that " the disputed item is not currently reporting on the Equifax credit file. Public Record : Bankruptcy XXXX. " Re
Consumer complaint received 2018-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (OR)

In XX/XX/XXXX I had went through the process of correcting my Experian credit report after my husbands identity was hacked through the Office of Personnel Management. At that time a Freeze was put on his credit file. I was told this morning I would have had a password sent to me. Neither of us remember getting a password from them. I called his morning because the car that we take our son to treatment for XXXX broke down and I was trying desperately to get a loan to get it fixed. XXXX offered to give us the funds but needed to access my husbands credit file that was frozen. I called Experian at XXXX XXXX XXXX. at XXXX XXXX XXXX and got nothing but computer mazes saying I had to write to them. I finally called around and got a XXXX XXXX XXXX number. I called it several times and was finally able to get a live person. I explained the situation and she still insisted on me writing a letter. I asked repeatedly for a manager and finally got a " XXXX '' who claimed was a manager, ( although suspicious ) I explained we disperately needed the loan and I could provide a proof of my sons illness and proof of the tow bill dated XX/XX/XXXX and the repair bill estimate if needed, she put me on hold and then said I could either pay her {$20.00} to overnight a password, or mail request. I gave her may credit card to overnight the password and asked for confirmation. She said she didnt have a confirmation. I asked why since I gave her my card to pay the {$20.00} fee to overnight and she again claimed there was no confirmation. Nothing to show she was going to overnight the password I needed. She seemed only interested in money, and not helping with the situation at all. I am very disappointed that this company takes all our information and seemingly holds it for ransom on their terms. More like extortion. They allow people to steal our credit, charge us to clean it up, put a freeze on our file, and then charge us to take it off. What a racket!
Consumer complaint received 2024-09-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: U.S. BANCORP (CA)

I previously filed a CFPB complaint disputing a 30-day late payment reported on my credit. 

I initiated the payment before the 30-day deadline, but it posted on the 31st day, making it just one day late. 
I was traveling outside the country, so I was unable to receive postal mail. 
I had already enabled paperless billing, so why wasnt I notified by email?
Consumer complaint received 2021-11-18
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. (PA)

Equifax Mortgage Service is unlawfully reporting an unauthorized inquiry on my consumer report. I have not given them permission to access my credit profile and I have no permissible purpose by law to contact third parties with my private or personal information.
Consumer complaint received 2020-08-27
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. (MI)

Status history from 20 accounts deleted from record while account is showing " CLOSED '' and they are still charging interest. Status history dates back to 15 years, status history shows all accounts are " PAID '' within student loan database. 

attached as proof
Consumer complaint received 2020-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc. (OK)

Applied for credit to buy a used car with my husband on XX/XX/XXXX. We have credit in the high 700 to over 800 in all three credit bureaus. Just received a letter in the mail today that in the loan application process, we were DENIED credit based on information from Sagestream , LLC, which I have never heard of. Our credit was reported as XXXX and XXXX, and some insane reasons, primarily being length of residence is too short, we have been at our current address since XXXX, and have extensive, good credit history. I went on-line to get a free credit report and to look at freezing our credit, as it is with all other credit reporting agencies and they are wanting copies of drivers license, birth certificates, utility bills, etc. Upon further research it appears to be a scam to collect information and copies of documents. I want my credit frozen and I would like to see the credit reports but do not believe we should have to provide these documents to get them. From what I have seen on the Internet it appears XXXX XXXX and Sagestream are possibly colluding to modify loan terms.
Consumer complaint received 2020-08-26
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. (NV)

names address and accounts wrong XXXX XXXX This request can not be processed online. XXXX  maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, NV XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, CA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, CA XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, CA XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX MULTIFAMILY SSNs XXXX  XXXX XXXX potentially negative icon Potentially Negative StatusOpen. {$320.00} past due as of XX/XX/XXXX. 
Account TypeCredit card Balance {$3300.00} Date OpenedXXXX Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusOpen. {$640.00} past due as ofXX/XX/XXXX. 
Account TypeCredit card Balance {$7200.00} Date OpenedXXXX Dispute XXXX   XXXX potentially negative icon Potentially Negative StatusPaid, Closed. 
Account TypeCredit card Balance- Date XXXX XXXX XXXX XXXX XXXX   XXXX potentially negative icon Potentially Negative StatusCollection account. 
Account TypeDebt Buyer Balance {$770.00} Date OpenedXXXX Dispute XXXX XXXX   XXXXshow tooltip button XXXX XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusOpen. Deferred, payments begin XX/XX/XXXX. 
Account TypeFHA Mortgage Balance {$270000.00} Date Opened
Consumer complaint received 2020-08-27
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: BARCLAYS BANK DELAWARE (MN)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-08-26
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. (TX)

I sent certified mail to Equifax that was signed for. In that letter I sent I requested for them to send me verification of bankruptcy. They then emailed me my results ( see attachment ) and notified me that XXXX XXXX was their source of information and verified that information was accurate. This couldn't be possible due to the freeze on my XXXX XXXX ( see attachment ). Equifax stated that the date verified was XX/XX/2020. I received a letter from XXXX XXXX on XX/XX/2020 stating that my account was already frozen, ( see  attachment ). So unless XXXX XXXX unlawfully has given out information or inaccurate information against my freeze, this information of verification through Equifax is not accurate. Also I have information given to me from the Bankruptcy court ( see attachment ) proving as well, that they do not release information to the credit bureaus.