davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-02
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (GA)

I got into an accident. I received my title and then found out months later that it had not been paid in full.due to Covid I had to wait for payment, yet they were not receptive and I had to be patient with Santander due to Covid. They were rude and not helpful, yet my credit has been negatively impacted due to late payments despite payments from the insurance company and the gap insurance company. I have now paid off the loan.
Consumer complaint received 2021-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2021-03-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FISERV INC. (FL)

XXXX/XXXX/3021 Spoke to First Data about a lease that I am no longer liable for, I was the first contract for the leased equipment. When I sold my business the sales rep XXXX XXXX rewrote the contract into the new owners name. Now I find out that new owner sold the business again and the 3rd owner signed the contract on the equipment. I received a letter in the mail stating that I am responsible for the bills now that the 3rd owner isnt paying for the leased equipment. I spoke to my sales rep and she is trying to get the guy to pay for the equipment but he wont. I am not responsible for a contract that I terminated over 2 years ago and has since been rewritten twice to two other people.
Consumer complaint received 2021-03-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WALL STREET MORTGAGE BANKERS (NY)

I applied to refinance the mortgage on my primary residence with Wall Street Mortgage Bankers Ltd in XXXX, 2019. The loan would be a 30-year term with a fixed rate of 3.0 % for {>= $1,000,000}. From the time I started the process with this firm, I have consistently responded to every request for information they sent ( employment verification, tax returns, bank statements, loan application, etc. ) typically within just a few hours of when the request was made. The broker who initiated the loan process left the company during the application process. When that happened, they did not inform me about his departure and the loan underwriting process completely stopped. Only after I emailed and called the company numerous times did they assign a new person to manage my application. I resumed the process and roughly 3 weeks ago they told me that my loan is at the final stage of underwriting and I should be approved and given a closing date within a few days. Since that time, I have emailed them numerous times and they simply don't respond to any of my inquiries about the status of the loan. I don't know the reason why, but it seems to me that they no longer have the ability or desire to complete this loan. I don't know if they are a legitimate lender or if they are simply in the business of collecting loan application fees, charging for appraisals, etc.
Consumer complaint received 2021-03-02
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: Chime Financial Inc (GA)

My name is XXXX XXXX someone hacked my email and chime account with XXXX dollars in it I called before this even happened and told several representatives it was not me making changes on my account they said they couldnt do anything about it and they can just send me XXXX to my sister account Im homeless and stranded as of right now with XXXX kids if you cant help me with anything within the next 2 hours I will be taking farther actions contact XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-02
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)

Ive previously contacted XXXX XXXX via mail requesting the updating of inaccurate information ( late payments ) on my credit report.They sent a letter refusing to remove/ update the information on XX/XX/2020. Then After emailing their CEO explaining my issue I received a call XXXX/XXXX/XXXX. The representative wanted me to tell her my story and afterwards she told me they refused to remove the information again. Tell me that isn't unfair? 

I am very unhappy with the unfairness and inequitable practices of XXXX XXXX. 
After reporting the presence of inaccurate information on my credit report and requesting that the information be corrected. As accuracy is a measure of value, I was told that this information was valuable to my life and that it could not be changed. In addition, my reputation has been ruined as Ive been denied credit increases and extension of credit by multiple lenders due to XXXX XXXX reporting these late payments. 

According to 15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.
Consumer complaint received 2021-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital One is reporting a charged off account on my credit report that should not be there. The account was charged off on XX/XX/2020 and on XXXX XXXX the account was placed with a collection agency called XXXX XXXX. Now capital one and XXXX XXXX are both reporting the same account twice with is against the law. You can not report the same account with the same balance twice on the report. Capital One needs to remove this account asap as they sold it already to XXXX XXXX. 

My obligation is to work with them alone on this and not Capital One. Capital One needs to delete this trade line from all 3 bureaus immediately.
Consumer complaint received 2021-02-26
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: Sentry Credit, Inc. (FL)

On the XXXX of XXXX I noticed his derogatory information on my credit from century credit inc Account number XXXX representing a creditor by the name of XXXX XXXX XXXX.Upon notice of this on my report I filed a dispute with XXXX  and XXXX XXXX. Today I received a letter dated XX/XX/XXXX. On this letter, in reference to the account and the current creditor as XXXX XXXX XXXX, But what the attached was a contract from XXXX XXXX XXXX not XXXX XXXX XXXX. I Called A SENTRY representative, because it was no address or phone number listed with XXXX XXXX XXXX XXXX. After speaking with representative she discussed the contract referring to payment agreement I explain to the representative That the paperwork does she sent was contradictory and that the information provided the credit bureau was contradictory and that the signatures were either electronic or cutting paste and it was electronic date of XX/XX/XXXX not XX/XX/XXXX. I Explained that this company has not done anything that they are complaining charging, nor did I borrow any money or have a judgement againstme. I further advise that my representative was from The XXXX at the VA in XXXX XXXX XXXX not them. she then wanted me to send her proof, but I not trust them becuase it takes a real Pariah to pray on XXXX Vets, She did say that she has had similar issues with this particular client, but they still pay their bills.
Consumer complaint received 2021-03-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

Given my experience for my previous forbearance was to last through XX/XX/XXXX, I would like to complain in regards to me not being able to process the payments for XXXX, XXXX, and XXXX. As stated in my last complaint to the Consumer Financial Bureau, in XXXX XXXX I attempted to make a payment for my forbearance plan and was unable to because suddenly XXXX could not process my payment. When I asked about this I got many different excuses, such as because I applied for a loan modification and it was denied that I was unable to pay and that my info for the loan modification had been completely deleted, so I would have to pay XXXX upfront and enter a payment plan for the XXXX. When I challenged this over several weeks, I received new information such as all of a sudden the forbearance was magically restored and I didn't have to pay the XXXX anymore. I was really confused by the whole thing especially being that XXXX is the reason I decided to go ahead and apply for the loan modification when I did, they didn't say anything about the forbearance being broken or potentially broken if the loan modification was applied for. As a first time home buyer, this has been a nightmare experience and even still I am not sure what happened to the XXXX, XXXX, and XXXX payments as I let XXXX know I would now have to escalate because there has been far too much mishaps on their end. 

I would like to know if I was still charged for these months? I would also like to discuss the numerous late fees that I have been charged by XXXX  which I did not discover they were charging me until I requested it last week. Can XXXX  charge me late fees during the forbearance? Also, why was I never informed of that I could incur a late fee, before the forbearance began I was informed by a XXXX  representative that as long as I paid by/before the last day of the month I would be fine. No mention of any late fees. I would like these late fees removed from my account. 

I am aware XXXX had a lawsuit against for charging unforeseen and extra fees, and at this time would prefer internal resolve around the fees and the forbearance. 

Lastly, I would like the delinquent payments removed from my credit report. I should have no months that I was in forbearance as delinquent on my credit report. I did not know about this until XX/XX/XXXX when I started looking into the situation because it did seem correct. I also would like to know if legally I need to go 2 months behind in payments to enter a forbearance? I was in great standing credit wise and mortgage wise before I was told I must be at least two months behind to enter a forbearance. If I legally did not have to do such, I would like those two delinquent months before my XXXX forbearance removed from my credit report as well. 

I plan to enter the COVID forbearance as I am heavily impacted by COVD-19 but would like to get these issues resolved before doing so. Thank you for your time.
Consumer complaint received 2021-03-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CO)

XXXX allowed a buyer to rescind an auction where sales are not refunded. XXXX superimposed its power to reclaim funds from seller account without authorization. These same funds were on hold for 21 days at PayPal due to Buyer suspicious activity. XXXX illegally pulled funds and left the seller in a {$6.00} deficit due to PayPal fees. PayPal allowed this although when questioned, XXXX denies any affiliation with PayPal and PayPal denies any affiliation with XXXX. XXXX was able to STEAL money unauthorized from seller account. 

XXXX then relisted this same item. A new buyer won the auction and the dispute is NOT finished. Now the money has to be refunded to the new buyer and XXXX  will be paying for all fees!
Consumer complaint received 2021-03-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

talked with XXXX XXXX, supervisor of insurance dept at XXXX XXXX on XX/XX/XXXX, XXXX told her that i emailed a demo permit from the city of XXXX , per her request to cancel their insurance requirement on the property. they confirmed on XX/XX/XXXX receiving the email that i emailed first on XXXX and again on XXXX neither time did they acknowledge receiving the email until i spent two hours with them on the phone on XX/XX/XXXX, XXXX they have charged me for " force '' insurance in the amount of {$2700.00}. they can not charge for this when there are no improvements on the property. they need to refund this money. 

also i paid myXX/XX/XXXX payment early on XX/XX/XXXX, XXXX they have not applied this as a mortgage payment but rather to principal reduction. by doing this, they are now saying that i didnt make a XXXX payment. i also made a payment on XX/XX/XXXX and XX/XX/XXXX. i don't know what they have done with these payments. by applying these payments where they want, instead of to the regular mortgage payments, they now want to charge me late fees, penalties, interest and mess up my credit. this is fraudulent. 

what can u do to stop this fraud? also i asked them to email me my deed of trust. they said they would but instead emailed other useless docs on XX/XX/2021.
Consumer complaint received 2024-09-27
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc. (NY)

I was the victim of identity theft. This is a formal dispute to support my position and claim. Below is the information you need to remove or block this account from my report. Also, this account is knowingly and willingly committing aggravated identity theft to collect on an extension of credit and punish me for non-repayment thereof through the credit reporting agencies. 

XXXX & XXXX XXXX ( Comenity Bank ) # XXXX
Consumer complaint received 2021-03-02
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. (MO)

XX/XX/2020 thru XX/XX/2020 I made my monthly payments to XXXX on time and qualified/was approved for a loan modification program that lowered my monthly payments. XXXX reports that my account was over 120days late for these six months when I clearly made the payments on time! This is significantly hurting my credit score and prohibiting me from refinancing my home and changing lenders. XXXX is impossible to get ahold off, ignores all attempts to contact them through email and is fraudulent in their credit bureau reporting.
Consumer complaint received 2021-03-01
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

Ive previously contacted Capital One via mail requesting the updating of inaccurate information XXXX late payments XXXX on my credit report.They sent a letter refusing to XXXX update the information on XX/XX/2020. Then After emailing their CEO explaining my issue I received a call XXXX/XXXX/202. The representative wanted me to tell her my story and afterwards she told me they refused to remove the information again. Tell me that isn't unfair? 

I am very unhappy with the unfairness and inequitable practices of Capital One. 
After reporting the presence of inaccurate information on my credit report and requesting that the information be corrected. As accuracy is a measure of value, I was told that this information was valuable to my life and that it could not be changed. In addition, my reputation has been ruined as Ive been denied credit increases and extension of credit by multiple lenders due to Capital One reporting these late payments. 

According to XXXX XXXX XXXX XXXX - Harassment or abuse A debt collector XXXX not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( XXXX ) The use or threat of use of XXXX or other criminal means to harm the physical person, reputation, or property of any person.
Consumer complaint received 2021-03-02
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: CITIBANK, N.A. (TX)

There is an unauthorized credit inquiry from THD/CBNA on XX/XX/20. I have filed 2 disputes with Equifax and they will not remove. I just spoke with someone today and they said I have to contact the creditor or file a consumer report. I contacted Citibank and they were not helpful. I spoke with XXXX XXXX ID XXXX today and she kept saying I have to contact the credit bureau. They are just giving me the run around. This isn't the first time that someone has access by credit and/or bank accounts. I keep getting alerts that my information is being sold on the black market. This is so unfair that no one will help me remove it. Luckily, no credit lines were open but I want it removed and my credit report to report accurately. 

XXXX Dispute ID XXXX
Consumer complaint received 2021-03-02
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: BSI Financial Holdings, Inc. (IN)

Was looking into refinancing our home and the mortgage lender is showing that we have a Forberance on our Home Loan that is with BSI which was purchased from XXXX XXXX. BSI purchased the loan from XXXX in XX/XX/XXXX. BSI is showing that we have a approved Forberance on XX/XX/XXXX. Which we have never signed any paperwork or even asked for this to be done. And we have been paying our monthly payment of {$720.00} since they have taken over the loan from XXXX. Also, found out today on XX/XX/XXXX, that they also show a Reconstruction on our loan of 514 months when we should only have 18 years left on the loan. Why would the payment not have decrease in the amount per month, if the loan was extended out to this length of time. Also, no paper was signed or agreed on to this either with XXXX or XXXX XXXX. We also found out that there is a complaint against BSI thru CFBP on XX/XX/XXXX for the same reasons as listed above Falseified papers.
Consumer complaint received 2021-03-01
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. (GA)

Right now I am bothered! I have attempted to be patient however it is hard to be patient when you feel that you are continually being overlooked by somebody. I think you fail to remember that I am the purchaser concurring! " XXXX XXXX XXXX XXXX - Congressional discoveries and mission statement ( a ) Accuracy and reasonableness of credit announcing ( XXXX ) The XXXX XXXX XXXX reliant upon reasonable and exact credit revealing. Wrong credit reports straightforwardly impede the effectiveness of the XXXX XXXX, and unjustifiable credit announcing strategies sabotage the public certainty which is crucial for the kept working of the banking system. ( XXXX ) Consumer detailing organizations have expected an essential part in amassing and assessing customer credit and other data on shoppers. The XXXX XXXX is reliant on the reasonable and precision detailing of customer organizations. At XXXX XXXX when you neglect to manage your work in addition to the fact that it hurts me it influences the XXXX XXXXk. The XXXX XXXX XXXXrings in cash by loaning to customers like me. I have connected a few times griping about the off base things on my customer report. Well I am complete the process of grumbling. I request you eliminate these incorrect things or I will look for case for the entirety of the infringement and for the torment you folks have caused me by demolishing my standing by announcing off base things. THIS NOTIFICATION IS AN AUTHORIZATION! SO PLEASE DO NOT REPSPOND ASKING FOR AUTHORIZATION!
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Name : XXXX XXXX, Social Security Number : ( XXXX ), Date of Birth : ( XX/XX/XXXX ), This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

This fraudulent, inaccurate, and false information consists of XXXX Student Loan account opened at : XXXXXXXX XXXX XXXX XXXX  {$5600.00} DATE : XXXX, XXXX XXXX XXXX XXXX XXXX {$5100.00} DATE : XXXX, XXXX XXXXXXXX XXXX XXXX XXXX {$3800.00} DATE : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX {$2500.00} DATE : XXXX, XXXX XXXX XXXX XXXX XXXX {$2400.00} DATE : XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} DATE : XXXX, XXXX I do not recognize the aforementioned accounts, or hard inquiries as reported. 

The aforementioned accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections,