davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-28
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SELECT PORTFOLIO SERVICING, INC. (WA)

This is my 3rd attempt ( through CFPB ) to get Select Portfolio Services , Inc. ( SPS ) to report our payment history to the 3 major Credit Reporting Agencies. 
After multiple interactions with SPS, they did admit that it is simply a policy to not report our credit history and not a LAW as originally claimed. 
Our current contract with the lender was signed post bankruptcy and is in itself a " re-affirmation '' of our willingness to honor the terms of our agreement with the lender. 
By refusing to report our credit history to the 3 major Credit Reporting Agencies SPS is in violation of Federal Law. Both in letter and in spirit : " 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 2 ) Duty to correct and update  information. A person who ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate. '' I expect immediate compliance with this Federal Law. 
. In the event you are unable or unwilling to comply with this instruction, I shall alternatively require of you evidence of your Registered Agent for the State of Washington as well as the policy number and name and address of the underwriter of your Bond. 
Failure to properly respond to such a simple request leaves me to seek remedy through the FTC and making claim against your bond for damages to my credit.
Consumer complaint received 2021-12-01
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. (PA)

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 2021-12-01
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LTD Financial Services, L.P. (GA)

In late XXXX early XXXX I was contacted by XXXX XXXX for a credit card debt. I spoke with a woman and manager at the time about a lump sum payoff. The communication moved to LTD Financial services for reconciliation. I was told that for both credit card balances I could receive a lump sum payout and if paid on time they would cancel the debt. I was given to dates to pay which then complied. I later received a letter claiming only XXXX account which entirely incorrect. I proceeded to contact the both companies where they passed the blame for the communication several times. I finally got fed up and decided to pursue other avenues. I contacted a woman who works with credit and paid her money which turned out to help me get several things cleared up but not the card situation as the company continued to state that i did not complete the payout for both cards as verbally discussed. I did my due diligence and requested information in writing however they refused to do so until after payment of {$1600.00} which I felt pressure to do so and was able to make happen at a time very traumatic in my life. Fast Forward to now and I am being falsely reported to credit bureaus for be delinquent when this matter has been solved since around XX/XX/XXXX. I want to make aware of their practices and shady business transaction to get money.
Consumer complaint received 2019-06-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (NY)

I am a XXXX XXXX, and my client applied for a refinance of their primary residence on XX/XX/19. Borrower 's fico score is in the 660s and loan amount is {$130000.00}. The loan type is a Conventional Cash out Refinance of a primary Single family residence. Due to the fico score of the client and the loan size and refinance type the LLPAs on the rate are high compared to the average client with a higher fico score nationwide. 

Upon registering the file with the lender we were notified by the lender that the loan was failing the QM safe harbor test with regards to the APR being over the APOR by 1.5 percentage points. We adjusted the rate down with the borrower paying discount points to accomplish this. The rate was locked at this time. 

A month later we were notified that the APOR had decreased per the weekly publishing and the loan therefore had another safe harbor issue since the rates are decreasing rapidly. The problem is that the client was locked in a month earlier at higher rates. Now my client 's APR is being compared to the more recent lower APOR and has to pay more discount points to lower their rate more which is harming the client and making it nearly impossible for their loan to close. 

The Lender stated that they received the interpretation from the CFPB that the term " as of the date the interest rate is set '' from your publication means that every time a change happens to the loan ( i.e. loan amount changes, interest rate changes, ltv changes, etc. ) that the lender has to compare the APR on the file to the new available weekly APOR. This makes absolutely no sense and is harming consumers. How can a loan 's APR with an older Lock be compared to new rates ( APOR ) that have decreased. I have had 3 clients with this same issue in the past 30 days. 

I have reached out to all of my contacts at the lender and they are trying to find a work around, but nonetheless the CFPB needs to make it clear what they expect pertaining to what APOR to compare the APR to. A clearer definition of " at the time when the interest rate on a mortgage is set '' is needed. See section 4.3 What Makes a QM loan Higher -Priced 1026.43 ( b ) ( 4 ). 

Please advise whether the lender should be comparing the new weekly APOR to the APR on the file when the rate was locked several weeks prior or whether regardless of any changes to the loan the current APR on the file should be compared to the APOR from the week the rate was originally locked.
Consumer complaint received 2019-06-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC (OR)

On XX/XX/2019I received a {$500.00} loan from National Small Loan. I made my first payment on XX/XX/19for {$73.00} and have made weekly payments for that same amount since then. As of today I have paid National Small Loan {$1200.00}. Upon checking my payoff amount it showed that I owe {$500.00} which is more than my loan was even for. Apparently, every penny I have paid so far has went to the interest and not to the principal which is not how loans should work.
Consumer complaint received 2019-06-26
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

Apart from getting laid off by your current employer after we send them the legal notice you will be blacklisted from getting any job. 

Through an IRS ( Internal Revenue Service ) your Social security number will be put on hold causing severe damage to your credit history or credit report and your income paychecks will be put on hold. 

Any child support, Disability, Unemployment or retirement benefits will be either place on hold or will be stopped until the outcome of the case. 

Our primary job was to notify you about the case before we send you legal document in the mail because once this case gets registered then we wont be able to help you out of court. Our client is least interested in getting the money at this point as they want to just go ahead and start taking legal actions however we wanted to contact you and give you last chance to resolve this case out of court. 

If you take care of this out of court then we will release the clearance certificate from the court and we will make sure that no one will contact you in future. 

Please let us know what your intention is by today itself so we can hold the case or else we will meet you in court house. It is a mandatory process before filing LAWSUIT we have to inform the defender by any means. 

Our intention is not to threat you, it is only an effort from outside to settle this case outside the court. 


Come back to us ASAP, as the case in hand is time sensitive. 


Your Sincerely, XXXX XXXX Sr. Executive Consolidation Dept. 
ACE CASH EXPRESS _______________________________________________________________________
Consumer complaint received 2023-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX XXXX, Account # XXXX, and XXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-06-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (NY)

{$8000.00} was debited from my Chase checking to be transferred to a bank in XXXX, XXXX on XX/XX/2019. Today is XX/XX/XXXX and the money was not deposited in the account in XXXX. Many calls to Chase and many visits to Chase branches without resolution. Chase has been shuffling my calls between departments and supervisors and giving me double talk all the time. They always say to give them 3-5 days each time I get in touch with them. Please help me and direct me legally.
Consumer complaint received 2021-12-01
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 — Investigation took more than 30 days
Company: AMERICAN EXPRESS COMPANY (IL)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over XXXX days and I have not received any investigation results. I want an answer immediately.
Consumer complaint received 2019-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENTIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2019-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: FACTUAL DATA CORP. (MN)

in applying for mortgage the company pulled credit reports fro XXXX XXXX XXXX and XXXX. all good, they also pulled factual data that lists a judgement from Indiana from XXXX. I have not lived in Indiana since XXXX and never was notified of a court proceeding. I think that this is either fraudulent or incorrect and it has caused problems with obtaining a mortgage. How can I get this removed?
Consumer complaint received 2023-04-09
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-01-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/XXXX I opened an online checking and savings account at Bank of America. 

XXXX minutes later I received an email stating that the account had been approved and that I had 30 days by which to visit a local banking office and deposit funds in to the account. 

On XX/XX/XXXX I visited Bank of America XXXX XXXX and at the counter deposited XXXX checks totaling {$18000.00}. I asked that {$9000.00} be deposited in checking and {$9000.00} be deposited in savings. The teller at the counter asked me for XXXX forms of identification, which I provided, the teller took my Ids made photos copies and then asked my to sign the deposit slips and other paperwork. The teller then informed me that because the account was new that a hold would be placed to the checks until XX/XX/XXXX. I stated that I understood, wished them a XXXX XXXX XXXX and left. 

On XX/XX/XXXX I received the Bank of America debit card in the mail and when I attempted to activate the card I was told that the card account was unavailable and did not exist. 

On XX/XX/XXXX I attempted to deposit some checks using the mobile app and was unable to. I was then prompted by the app to call Bank of America and set up mobile checking deposit. 

On XX/XX/XXXX I called the number provided and was told that my account had been flagged as fraudulent and was closed because Bank of America could not verify my identity. As a former XXXX XXXX XXXX XXXX  XXXX XXXX Agent, and now a XXXX  I have never had any trouble with any institution being unable to verify my identity. 

On XX/XX/XXXX I was informed that Bank of America had closed my account on XX/XX/XXXX less than XXXX hours after I visited branch XXXX and deposited {$18000.00} on XX/XX/XXXX. 

Bank of America successfully cashed both checks and withdrew the funds from the Government XXXX XXXX XXXX XXXX on XX/XX/XXXX and then proceeded to close my account on XX/XX/XXXX. 

On XX/XX/XXXX Bank of America notified me that I should be receiving my funds in XXXX to XXXX weeks by mail in the form of a cashiers check. 

Every person I spoke with was extremely dismissive, unprofessional, and completely lacked any knowledge or ability to help me in any way. It was extremely evident to me that the employees at the Bank of America were simply reading back to me what they were looking at on a computer screen.
Consumer complaint received 2018-12-26
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. (OH)

I looked at my credit report today and I found inaccurate information about my address my employment and accounts. My name is XXXX XXXX XXXX my DOB is XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX OH XXXX. 
I AM SELF EMPLOYED XXXX XXXX XXXX ( OWNER ) NEVER WORK AT XXXX XXXX   PLEASE DELETE. 
The following addresses are not mine possibly Fraudulent Please delete : XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXXXXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX. 
Federal Law requires that you provide mechanisms to ensure that each item on my report actually belongs to me. I have not records of the items listed above, if the above items are inacurate, misleading, or incomplete, you may have violated federal law. 
the following items are unverified PLEASE DELETE : XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX # XXXX
Consumer complaint received 2015-04-01
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIBANK, N.A. (GA)

My wife and I applied to refinance our mortgage with the lender that had the mortgage. We were conditionally approved with an interest rate on a 15 year mortgage. We submitted documents as requested. It took a lot of time from the lender to process the documents. As a result of slow response from lender, the lender requested additional documents which required additional time and effort to produce that did not reveal any negative information. The straw that broke the camel 's back, after several months, was the lender requesting tax returns for separate entities that we did not receive compensation from. Since our annual income was consistence and 80 % of the amount of the loan request, I refused to produce the tax returns because the entities were listed in the XXXX schedules of our personal tax returns. I believe that we were discriminated due to age since all of our income is retirement income.
Consumer complaint received 2021-12-01
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Autovest, L.L.C. (IN)

i have attached XXXX affidavits both notarized as well as letters and examples of laws broke. I want this removed from my consumer report and i want my cash downpayment as well as any other payments i made to this fradulant account. This needs to be removed from my account as you dispute.
Consumer complaint received 2018-12-26
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: Experian Information Solutions Inc. (MO)

I did not open the following XXXX XXXX account on XX/XX/2015, the account is not mines and I'm asking for it to be removed, and/ or provide me with physical documentation as stated within the FCRA law.
Consumer complaint received 2018-12-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I did not open the following XXXX XXXX account on XX/XX/2015, the account is not mines and I'm asking for it to be removed, and/ or provide me with physical documentation as stated within the FCRA law.
Consumer complaint received 2018-12-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (KY)

well i faught for my home for years im XXXX and on a fixed income and it all started when i got a loan with wells fargo in the beginig they some how was able to tack the other co owner off the title of the modualer home and he did not sighn any thing then they for got to put the lean on the home when morgage was done i filed banckrupsy and the judge awarded me the home free and clear thats when they really started doing things that i thot was not right they only had intrest in my land 29 acers my dee called for 46acers well i thinck if my double wide was free and clear they had no right to put inshurance on it and raise my payments noing i could not pay and cause they had no lawlfully right to inshure something they dont owne then get my payments behind i called and called begging them for a home modification they sold my loan to one of there under companys to make me thinck they were gon na help me i never got a welcome package they would not help me modifie my loan they waited tilll theallable time had went by to othow a short sale forclose on me and they did but this is the kicker i had 46 acers 4 deeds going back a 50years they sold a ll my land and they onnly had 29 acers on paper and what i payed taxes on leaned and they took my double wide and it burnt they got payed for inshurance to cover the loan pluse sold all my land and i really want to know how all that was leagealand raised my payments to XXXX more and me on ssi thats more than half mwell thats my whole monthly income wells fargo is dirty bad buissness i tried to save my home over time 2 banck rupsys forcloshure they finally got it and they had people comming out taking pitchers of my home not the land they had intrest in they totally disgarded a federal judges ruling cause they treated me like they owned my doublewide to so there it is i just pray they dont get to do this to any one else oh and by the way my land was prime vacation or retierment land it sourrounded the lake and i do remeber getting calls about my land being a time share i thinck they sold my land as a time share and then cause it was prvate and could be subsisided in to a gated community they are dirty banking wellls fargoall that federal bailout money and they wouldnt even give me a home modification and how was they able to collect inshurance money on the home dirty
Consumer complaint received 2023-01-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation.