davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-26
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: FEARON FINANCIAL LLC (MO)

XXXX XXXX continues to skirt around the CFBP RESPA guidelines we all have to adhere to. We have been extorted by there vendor program for years and now they are blatantly incentivizing agents to refer buyers to Keller Mortgage. Offering profit sharing bonuses, discounts to customers and not disclosing an affiliated relationship. 

This is illegal yet it seems there is no recourse. Why is it that the rest of us lenders have to follow the rules but Keller is not only allowed but incentivized to steer customers and illuminate options for consumers?
Consumer complaint received 2018-04-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC (TX)

signed up for a payment plan, I was told by the sales person that if i was approved i had the option of paying in 3 months no interest, but if i wasn't done paying in 3 months, I would just have to make monthly payments until the balance of my item was paid off including a small interest rate. I called to check my balance since the item I purchased was only about {$600.00}, and I have been making XXXX payments for the last 6-7 months. I was told that my current balance was over {$1000.00}. I asked the phone representative how was that possible if that wasn't what I was told. He said well did you read the agreement, I told him no because I wasn't allowed to read it by the sales person. The sales person handled everything for me and only had me sign once everything was complete. I wish I would of read all these bad complaints before because it seems it has happened to a lot of people in a similar manner. It makes it seem like they all omit the contractual obligation since i don't think anyone would actually agree to a 100 % interest rate.
Consumer complaint received 2018-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Both XXXX and TransUnion report an account that is over the statue of limitations. The XXXX XXXX XXXX the first time it was disputed they both sent in information indicating the account first became late in XX/XX/2011 then when additional information was requested, they started to report different dates the account was delinquent. Every response/report received has different information and it makes no sense. Also my mortgage with XXXX XXXX XXXX was modified under the govt relief act and part of that process is that they were not suppose to report late payments during the process yet the two bureaus are still reporting them.
Consumer complaint received 2018-04-26
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 (NV)

On XX/XX/18, I received a letter saying Capital One had already closed my account due to inactivity. I phoned customer service and asked if there was any way I could make a charge to my account and keep it open, and the customer service representative told me he was unable to reopen my account but that I was welcome to re-apply. As a XXXX XXXX with limited income, I knew my odds for acceptance would not be good. Sure enough, the online system denied my application. I wrote a letter asking Capital One to reinstate my account and on XX/XX/18 received a letter saying it would not reinstate my account but that I was welcome to re-apply. Sure enough, I received a letter in XX/XX/XXXX saying I was not approved for a Capital One credit card.
Consumer complaint received 2018-08-09
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: Bread Financial Holdings, Inc. (FL)

In XX/XX/2016 ; I was living in a XXXX XXXX. I was XXXX XXXX XXXX   with my daughter. And, i also had XXXX XXXX year old boys. During this time ; my purse was stolen ; along with all of my personal information for my kids and I. I believed that the person responsible name is XXXX XXXX ; but that is all i know of the woman,. i have called XXXX and XXXX, and they have removed the fraudulent inquires without a problem. But, XXXX refuses. I will attach a screenshot of the companies that were contacted ; and resulted in hard inquires. I have contacted them each myself, and they all stated that they can not locate me in their system.
Consumer complaint received 2018-08-09
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: Autovest, L.L.C. (FL)

Good Morning, My name is XXXX XXXX. I have previously contacted the CFPB in the past ; concerning this company continuing to check my credit ; resulting in unauthorized Hard Inquires. From my understanding ; the bought the debt that was owed on a repossessed car from XXXX XXXX XXXX. After the car was sold ; first investors stated that I owed {$10000.00}. They stated that they failed to update my address to the one that I had provided ; so they were willing to accept 25 % of the balance. Due to their mistake. I asked for this in writing ; I never received. When I called sometime earlier this year ; was told that AutoVest ; which is also " XXXX XXXX XXXX XXXX ''. This company is not willing to work with me ; they have filed a lawsuit against me for almost {$13000.00} ; which is more tan what is owed. Now, they keep checking my credit for no reason. When I called and asked them the reason ; they say they purchased the loan,, and can check my credit as many times as they want. I think this is a violation of my rights ; I never signed anything with this company,, and I have asked them to refrain from checking my credit ; they are causing unnecessary hard inquires.
Consumer complaint received 2018-08-09
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: Experian Information Solutions Inc. (IN)

My name is XXXX XXXX and my idenity was compromised while serving in the United States Military. The following student loan account were fraudulently opened in my name and are reporting as closed accounts on my Experian credit file. I am requesting that the items below be removed from my credit report. 

1. The XXXX / XXXX -> Account # XXXX 2. XXXX XXXX XXXX Account # XXXX 3. US Dept Of ED / XXXX Account # XXXX
Consumer complaint received 2018-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion and XXXX I have been in contact with both credit reporting companies numerous time regarding the fact that my social security number is incorrect. I have sent in my Identification Card as well to correct this issue. It has not been corrected and in return, I have had trouble getting a loan at the bank. I have went to the Social Security Administration and obtained an official letter stating that my social security number was correct and sent that as well. My credit information remains incorrect and neither company has made steps to fix this issue.
Consumer complaint received 2018-08-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

To whom it may concern, my complaint issue deals with a H.A.M.P modification that I attained in XXXX on my mortgage loan. I very much appreciate the assistance I received even though there were few corrections that I had to bring to my servicing company 's attention. One issue I have been dealing with for 2 years and can not get any answer is my borrower 's incentive clause which is included and signed for by both parties in XX/XX/XXXX. The original documents include these terms. 1. I will accrue a monthly benefit equal to {$83.00}. 2. They will apply my accrued monthly benefit to my principle balance after the first through the fifth anniversaries of the month in which my trial period is executed XX/XX/XXXX. The yearly amount that should be applied beginning on XX/XX/XXXX and again on XX/XX/XXXX is {$1000.00} for a total of XXXX after 5 years, not any amount has been applied or was I ever given a reason why. I have been transferred to 3 different companies ( XXXX XXXX XXXX, XXXX XXXXXXXX XXXX and currently XXXX XXXX XXXX ) I have been told numerous times it would be corrected by all parties involved and never done. I also have a incentive after the 6th year which would apply an additional {$5000.00} to my principle
Consumer complaint received 2018-04-26
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Altisource Portfolio Solutions, S.à r.l. (FL)

I had hired a law firm to assist me with a loan modification.XXXX XXXX XXXX is very much aware that I am a XXXX XXXX as previously established in court.I was at in residence and left XX/XX/XXXX returning to my travel assignment.I returned to Fl on XX/XX/XXXX.Plane tickets are the proof to find the house broken in, garage door damagedl, door frame broken out.Locks changed.I had to call my attorney to figure out how to get into the house.XXXX XXXX XXXX   retained Altisource who in turn entered the premise under the false pretense the house is abandoned. The electric is on, the mail is being picked up.Salt is being added to the water softener.Altisource has refused to pay for the damages.It went so far their attorneys will not acknowledge the break in.My neighbor and I have filed a report with the XXXX XXXX County Sheriff s Department and the officier I have spoken to stated he would drive to the XXXX XXXX XXXX XXXX Office for his investigation.My other neighbor overheard how Altisource had planned on putting watch dogs in the house.This is customer abuse and harassment.I am requesting financial reimburement for the damages.I had the garage door serviced.Now it will not work.It is impact resistant.The door from the garage to the house is completely destroyed.The lock and door frame are broken out.They left the AC running with the door left open.Found refrigerator and freezer door wide open.I knew something was wrong because of the electric bill.
Consumer complaint received 2018-04-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Mullooly Jeffrey Rooney & Flynn (NY)

I got a call about a debt that has reached it's statue of limitations twice ... it is an 18 year old debt ... .i called back on XX/XX/18 ... .I asked for proof and they could not provide ... they said I have a judgement against me ... and that they are going to sue me ... and I do not have any judgements on my credit report..I never got served or gotten any summons to appear in court ... .they served my credit union with papers to freeze my account and I was charged {$75.00} for legal fees from my credit union ... and when I asked for more information she said her computer not coming open and she's looking at another screen and then..they acted like they couldn't hear me any more and just hung up..
Consumer complaint received 2018-08-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (FL)

A company purchased a debt that was not verified by a previous company and was ultimately removed from my credit as I am unaware of such debt. I sent a letter to the company on XX/XX/18 after receiving a notice on XX/XX/18. The company was asked to provide several tenets of proof and sent a bill without the additional evidence on XX/XX/18. Instead of allowing me to investigate, the company then added the charges to my credit as a collection.
Consumer complaint received 2018-08-08
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: ALTERRA GROUP, LLC (FL)

I'm the seller of the property during the closing procedures everything seemed to be ok and go to go for closing on XX/XX/2018. Later on the loan office XXXX XXXX from XXXX XXXX XXXX requested to have an extension until XX/XX/2018. XXXX XXXX said he was waiting for a paystub from the buyer. Later on I was told that the buyer needed to come up with an additional XXXX for closing since his debt to income ratio was at 58 %. It seems to me that XXXX XXXX delayed on the process of entering the loan into the system causing a bunch of issues, since I have already entered a contract to purchase other property with the proceeds of my primary property. XXXX XXXX till this day is still requesting documents from the buyer that should have been asked for during the start of the loan. This puts me at a hardship since XXXX XXXX made it seemed like the loan would close on the XX/XX/2018. XXXX XXXX also requested for me the seller to give the buyer XXXX in order to close. Something doesn't seem right with XXXX XXXX XXXX.
Consumer complaint received 2018-04-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (FL)

I have been in the modification process since XX/XX/XXXX. My file has been under review for months, and I am constantly being asked to resend the same information over and over. There has been an issue with the XXXX Tax returns. On several occasions, I was asked to explain information that was clearly delineated on the tax returns. I have sent in the schedules.. the returns, but I am repeatedly ask to resend the same information. After going back and forth with this issue, I am now being asked to resend the XXXX because it had been expired. Again, why wasn't the XXXX used to order the tax transcript to help the underwriter understand my income? I have been asked numerous times about my ownership in the business, and if I have another business. All this information was given when I initially applied for a modification. There are so many different relationship managers calling and requesting the same information. It is extremely frustrating, and I do not believe Chase has used its due diligence on my file.
Consumer complaint received 2018-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

Equifax is listing an outdated " hard '' credit inquiry on my credit bureau report. 
The inquiry is dated XX/XX/2016 and is over 2 years old. The company that made the inquiry is XXXX XXXX, XXXX, XXXX. This inquiry should be deleted from my Equifax credit file, because the Fair Credit Reporting Act, or FCRA, mandates that all credit inquiries that are 2 years old or older, must be removed, from a consumer 's report, immediately. 

I have contacted both Equifax and XXXX XXXX with no results.
Consumer complaint received 2018-08-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (CA)

I have a debt on my credit because an apartment that I rented when I live in Arizona. The company after contact me several times give me an option to pay. After I paid the amount we accord they will take out the collection from my credit. I paid the amount they told me on XX/XX/16 and the debt still on my credit as collection. I try to contact the lawyer who contact me several times and no answer. Also I call the company who give me the phone number of the lawyer office and when finally somebody respond they send me to call lawyer office because they can not do anything. As result of this I been trying to rent an apartment for me and my daughter and all application has been denied.
Consumer complaint received 2018-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/2018 ANNUAL MEMBERSHIP FEE {$450.00} I called JP Morgan Chase bank on XX/XX/2018 to protest the fee above on an account I had opened because they were offering me the first year free through my XXXX XXXX account. They said they apologize for the inconvenience and would file a request to reverse the fee and contact me in 3 days. 

I was never contacted by the bank again and decided to call them back today, XX/XX/2018 when they blatantly refused to reverse the charge saying the offer was not given to me. When I asked why I was offered it in the first place or if I was approved for the card, if they didn't want to give me the offer, the advisor said you are welcome to close the account.

I asked if I close the account would the fee be waived and the agent said, I would still need to pay the fee. I also know that closing the account will affect my credit score, so I didn't want to do that. I feel cheated and so helpless. Please help!
Consumer complaint received 2018-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (CA)

I went on free credit report to get my credit score and it was brought to my attention that there is a mortgage loan on my credit and school debt now I've never took out a loan from these company 's this is the first time I have ever had to go thru this so I dont really know how to fix it. Please help me
Consumer complaint received 2021-07-20
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: DISCOVER BANK (NJ)

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 2018-04-25
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: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX and I am having an problem trying get information from two of the credit reporting agencies and am hoping your company can lend assistance. XXXX and Experian are reporting a bankruptcy on my credit file though they will not provide me information that allows me to confirm. The XXXX Court systems stated they would not supply me or any third party information and when I accessed public records the only items I can locate are about a speeding violation. I am asking once again what information they have and how they obtained the so called information. If they are reporting something they should be able to validate the information. If I am unable to obtain it then how are they? 

I have attached the document showing what can be found and one of those XXXX XXXX is not me.
Consumer complaint received 2018-08-09
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: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX I initiated a dispute with Experian about an inaccurate credit entry from XXXX XXXX XXXX ; reporting my account with them as 30 days late in XX/XX/XXXX. 
On XX/XX/XXXX, I received notice that the dispute had been resolved and the file updated. However, the only thing that updated was XX/XX/XXXX changing from " OK '' to " ND '' ( No Data ). No changes were made to XX/XX/XXXX. 
I called Experian on the evening of XX/XX/XXXX to inquire about this, and have them send me what evidence XXXX XXXX presented to verify the data was accurate. 
Initially, I spoke to XXXX. He claimed there was nothing Experian could do unless the creditor updates the information they send in. He conferenced in XXXX XXXX to ask if the data was correct. However, the XXXX XXXX rep said they are now using a new system, and he did not have access to the system they used in XX/XX/XXXX. Since my account was setup for auto-payment at the time, he said there could have been an issue with debiting and posting dates. They stopped offering auto-pay about two months after I signed up for it. 
I explained to XXXX multiple times that Experian is required to have their data reporters furnish proof of accuracy for disputed entries, and they are legally obligated to provide that proof to the consumer if the consumer asks for it. For this dispute to have been resolved, XXXX XXXX would have been required to furnish said proof. XXXX wanted to argue that they are not. 
Next, I spoke to XXXX 's supervisor, XXXX, who claimed that during a dispute, creditors are not required to submit any proof beyond what they report. He further explained the dispute process is for Experian to ask the creditor if their information is correct, and if they say it's correct, then Experian does not change it and there is no requirement for the creditor to furnish any evidence of accuracy. 
Can you imagine a judge asking a criminal, " Did you do it? ... No? ... Well then, you're free to go. '' That is essentially what Experian says is their veification process.
Consumer complaint received 2018-04-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (AZ)

Equifax INC is currently reporting an account on behalf of XXXX XXXX XXXX. The account is listed from XXXX XXXX and did not arise from a signed contract with myself and XXXX XXXX. The information listed on my Equifax credit file is inaccurate and incomplete. Attempts to resolve this matter with both companies have been unsuccessful.
Consumer complaint received 2018-04-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (AZ)

XXXX XXXX XXXX XXXX is currently reporting on my Equifax credit report an account that is not valid. Attempts to dispute the count with Equifax and directly with the company have resulted in negative results and the account remaining on my credit report.