davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-02
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

Trying to refinance with another mortgage company and my current mortgage company Lakeview loan services /XXXX has been holding me XXXX by falsified payoff documents. Hindering the refinance. So I can move on. Lakeview loan services messed up on my taxes and trying to get me to pay for it. My XXXX veteran tax exemption was filed and reported to Lakeview
Consumer complaint received 2021-12-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP (CA)

So Ive been trying to open a bank account, most banks told me that they require a proof of address which was holding me back because I live with my parents. Us Bank told me that I didnt need one to open an account. That was until I opened an account and cashed my payroll check. I was told I would get XXXX $ of the check instantly, and the rest would clear in 5 days, they gave me a temporary card and I thought I was satisfied with my experience at us bank. That was until about 24 hours went by and they put a hold on my account, apparently I need a proof of address, that was never once disclosed to me in person. I was told after they had my money. So far no one at the us bank branch in XXXX has been able to help at all .theyre just holding my money hostage after lying to me. It obvious that this is a scam they run often because they wont send me anything about the hold on my account, they only tell me in person.
Consumer complaint received 2021-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (NJ)

To summarize, Barclays charged me {$220.00} interest on a purchase that was not even due to be paid yet. 
My last statement on XXXX was only {$280.00}, so the interest is not on the previous balance. 
The next statement ending on XXXX showed a balance of {$15000.00} due on XXXX. 
In this statement period ( XXXX ), I made a {$12000.00} purchase. This purchase was made on XXXX, within the statement period of XXXX. 
The statement charged interest on this purchase immediately, and added an interest charge for that period XXXX before the statement due date of XXXX, or even before the closing date of XXXX. 
I have tried to resolve this several times via phone, via message on the Barclays site on XXXX, XXXX, XXXX, and via email to the office of Barclays president on XXXX, with no reply. 
I believe this is violation of the credit Card Act of 2009, and other laws governing credit card companies. 
Please help me resolve this matter. 
Thank you, M # # # # D # # # # #
Consumer complaint received 2021-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/2021 I paid off my charge cards. Two of the cards were capital one. I never had a late payment on neither card. The day after I payed off the card they drafted a letter on XX/XX/XXXX. The letter stated they were closing both accounts because one of the accounts violated the card holders agreement. A call was made and no one was able to say which card violated nor what violation was. I do know that the percentage rates on the cards was much lower than they are now. This will have a huge impact on my credit rating. Can you please help me find out why my accounts were closed. I want them reopened at the rate of credit which I had. I had been using the cards and did not let they go stagnant. I believe I was shut off because they did not like the lower interest rate I was paying.
Consumer complaint received 2021-12-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

I recently discovered inaccurate and unverifiable Bankruptcy on my credit report with EXPERIAN. I did not consent to, authorize nor benefit from any of the following account attached is the identity theft report. I have asked for an investigation report and never received it. The law says this that it should be removed in XXXX days and it's been over XXXX days as you can see on the REPORT, I sent it on XX/XX/2021 and today is XX/XX/2021. I spoke with XXXX form Experian and he said he seen that the bankruptcy should be off from my documents and he was placing a note on file. 15 USC 1681-C 2 ( a ). ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 15 USC 1692 ( A ) ( 1 ). 15 USC 1681 ( 3 ) ( E ) ( e ) the term ''investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with who he is acquainted or who may have knowledge concerning any such items of information.
Consumer complaint received 2021-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (DE)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Collection XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$370.00}
Consumer complaint received 2021-12-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Monterey Financial Services LLC (IN)

A negative item was reported in my credit profile from the collection company Monterey Financial Services, LLC. I have no knowledge of this account, date, or what it is for. I was able to contact Monterey Collections via phone from the number that was provided on my credit report. I spoke with a representative and requested to know what services I had received, what date, and any signed receipts. I was refused this information after providing personal information to verify my identity. I then sent a copy of a debt validation letter to Monterey Financial Services LLC the second week of XXXX, dated XXXX via regular mail, and informed them of my request for information. I had informed them that they had 30 days to respond to my request or remove the negative remark on my file. I have disputed the remark and it is pending investigation. On XXXX, stamped from the post office XXXX, I received a letter from attorney XXXX XXXX XXXX, a representative of XXXX, XXXX stating that I would not be getting the information that I requested and that I owed a past due on a collection as well as an interest fee. According to their claim, I owe an original amount of {$170.00} plus {$9.00} in interest fees for a total sum of {$180.00}. I was told to make a check or money order to XXXX and provided the address to the company in California. I have had no other contact with XXXX since the original phone call and no other written notifications.
Consumer complaint received 2021-12-02
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. (GA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report XXXX XXXX XXXX XXXXXXXX Balance : {$220.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$43.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$70.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$460.00} XXXX XXXX XXXX Balance : {$3100.00}
Consumer complaint received 2021-12-13
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: EQUIFAX, INC. (NJ)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2021-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

XX/XX/XXXX, received letter stating if full amount ( three months late ) wasnt due, they would report it to credit. Paid on XX/XX/XXXX, in full to make account current. XXXX turned in on XX/XX/XXXX. 

They blackmail people regularly, when I was overdue by XXXX day an employee lied and said I would now have to be on auto payment, I signed up for the auto payment, and then it wasnt going through and I was only notified through the XXXX student loans website, no email until the threatening letter. Then once I followed through with the threat, they did it anyway.
Consumer complaint received 2021-12-02
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc. (TN)

A loan modification package was submitted to Dovenmuehle, Loss Mitigation department on XX/XX/2021. We fell behind on our mortgage due to XXXX XXXX XXXX. At that time, we were only 4 months behind on our mortgage. During the review, the servicer was constantly requesting the same documents 3 or 4 times. The modification review is still on going. Each time the servicer is called for a status update, we are being told " no new updates ''. We are now in XXXX and still no decision. We have spoken to representatives, team leads, supervisors and escalation supervisors. All to no avail. When this process started back in XX/XX/2021, our mortgage was {$5400.00} past due, we are now over {$18000.00}. We were ready to resume making our payments back in XXXX. This is Servicer neglect and abusive and should not be tolerated. I have attached every conversation along with names and ID numbers.
Consumer complaint received 2021-12-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I have sent letters to XXXX, XXXX and TransUnion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. They removed it on XXXX but they were not able to remove it on XXXX and TransUnion. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
XXXXontacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Consumer complaint received 2021-12-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (NY)

I have always made on time payments with credit acceptance up until COVID. Yes we did get a grievance period up until XXXX of XXXX but I am still being impacted by COVID due to my health and other around me still recovering both physically and financially. XXXX refuses to remove late payment for XXXX and XXXX. Them not removing late payments is impacting my credit score and now I am unable to get a home or a place to stay. We lost everything including a home. I believe especially during these times that credit acceptance should try to help others as people are still struggling to recover from the devastation COVID has caused.
Consumer complaint received 2021-12-13
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: EQUIFAX, INC. (FL)

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.
Consumer complaint received 2021-12-02
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: Experian Information Solutions Inc. (GA)

The listed inquiries below are unauthorized inquiries that were not done by me. They are fraudulent. remove immediately XXXX XXXX- XX/XX/2020 XXXX XXXX XXXX- XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX- XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020
Consumer complaint received 2021-12-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

Hello, I have been trying to resolve this error with Equifax for 3+ months and they continue to wait for the bank to get back to them on the information on the report, instead of realizing that they are never getting back to them. 

I had the same issue with this bank and the credit reports with the two other bureaus and they both came to a conclusion to remove the late payment on my report after waiting 30 days from the original date with no response. 

I am not asking for anything crazy, I am just trying to remove a false derogatory mark on my report and move this forward, this waiting game is hurting my credit score by over 100 points in comparison to the other bureaus. 

My first complaint on this problem was on XX/XX/21 with complaint XXXX. 

The second to get an answer was on XX/XX/21 with complaint XXXX. 

Today I am submitting this on XX/XX/21, more than three months after the original date it has taken to solve this problem. 

If you need a refresher, the original complaint was that I couldn't link my normal bank account with the filing bank where the loan was from so it was impossible to pay the loan on time, I reached out to the bank about this issue with no response and couldn't go in to fix it because the banks were closed due to covid. The online portal to link the bank accounts ( in order to transfer over the funds ) was malfunctioning and wouldn't allow me to wire over money for it. 

If the bank will not respond to Equifax 's investigation in less than 3 months then they shouldn't keep the derogatory mark on my report. 

XXXX, and XXXX both removed this from their reports for this reason. 

I hope you can find a resolution to this problem so I can finally get approved for a loan again, these marks take 7 years to fall off the record.
Consumer complaint received 2021-12-13
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. (GA)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2021-12-02
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, No. XXXX ( XXXX  NXXXX XXXX, XXXX ), you may be liable for your willful non-compliance.
Consumer complaint received 2021-12-13
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. (NJ)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2021-12-02
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. (NV)

EXPERIAN XXXX XXXX XXXX -- XXXX XX/XX/21 PAGE 11 OF 12 under phone numbers has a number showing XXXX in which is a business number not my phone number Experian needs to provide proof from the cell carrier and account number as contact person proof of my date of birth contract and the cell carrier contact from them with who they spoke to date and my date of birth full legal name on the account
Consumer complaint received 2021-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Experian XXXX XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC 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 and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX XXXX XXXXXXXX Balance {$3500.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance {$12000.00} XXXX XXXX  XXXX Balance {$0.00} Inquiries : XXXX  Inquired on XX/XX/2021 XXXX XXXX Inquired on XX/XX/2021 2021
Consumer complaint received 2021-12-02
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: BMW Financial Services NA, LLC (CA)

I want to use the ~ $ 7k in equity on my BMWFS lease by selling to a 3rd party dealer ; I have two offers that are substantially higher than what the BMW dealer wants to offer. BMWFS is telling me that they don't allow 3rd Party purchases now because of the short supply of vehicles. I spoke to a rep today ( XXXX at XXXX at XXXXXXXX XXXX XXXX ), and she said the only daily to do this is to buy in my name, pay tax and then sell to 3rd party. It appears that this is being done to benefit the dealer at the harm of the consumer because the dealer is being unfair by offering a much lower offer for the trade. When I asked the dealer ( XXXX BMW ), they said no one else could buy but a BMW dealer. This is unfair and dishonest because BMW set a precedent in the past by allowing. Now they are stopping so dealers can make a higher profit at the expense of the consumer. Very dishonest