davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (AZ)

Gentlemen, I have been trying my best to raised my Credit Score. Lately, When Refinance my 2 Vehicles From XXXX XXXX  and XXXX XXXX XXXX XXXX. With the XXXX XXXX XXXX XXXX recently in about a month. And My Credit Score was at XXXX With the XXXX. And my former vehicle account was closed and my new vehicle refinance loan showed on my credit report. However, The Equifax gave me a score of XXXX and the XXXX was XXXX all of this was the result of my refinancing loan. They never factors that my balance was going down. Infact, One of the Vehicle Loan I co-signed for my son at {$550.00} a month also with XXXX XXXX XXXX XXXX. My son XXXX XXXX. Who is a Member of the XXXX XXXX XXXX. Had been paying his Car loan for the Past 4 years and has only XXXX plus left over. And they should take-off the account after the 12 months period my son was paying for his car. They can verify with XXXX XXXX XXXX XXXX. That my son is the one paying for the car loan that I have co-signed for him. And their poor evaluations of my Credit Performance.  Affected my ability to get a better rate In shopping for for Home Purchase with the XXXX XXXX  as well the XXXX XXXX. I want these ( 3 ) Credit Bureau Reporting agency. To correct my score and provide me a copy of their recent adjustment to my Credit History report. I do hope, They will heed your Good Office and provide the New Credit Report ASAP. Thank You very much for your Immediate actions on the matters and Considerations. Sincerely, XXXX XXXX. XXXX XXXX Home Adress : XXXX XXXX XXXX, XXXX. AZ XXXX
Consumer complaint received 2019-08-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

My current mortgage servicer, Carrington Mortgage, refuses to remove the Mortgage Insurance from my FHA loan even though I have met all qualifications. Every time I call, they give me a further out date when it will be removed, when that date approaches and it is not remove I call again and they give me a new date of removal. Per my records it should have been removed XX/XX/2019. I have met all qualifications based on when my FHA loan was originated. I have sent written requests with no response and made numerous calls.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2019-08-30
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: OpenRoad Lending (PA)

They made me get a paper notorized then a 3 week later they wanted me to get another paper notorized they they asked me five times for bank statement with my bank and other documents after 4 weeks the denied me claiming I put XXXX on application instead of XXXX claiming I lied about what I make they dont understand that I have pay medical insurance XXXX XXXX XXXX XXXX dental XXXX medicine and that comes out of my social security and they dont understand that why its XXXX and XXXX so they lied have witnessed that they lied they all of a sudden refuse to refinance my car loan they need to be out of business for not real practice procedures all delayed and I was told not to pay my other car loan that Im refinance so I have to pay them soon tomorrow they XXXX me up it cost me XXXX dollars for all this paperwork and stuff I had to pay for I want back I want them out of business keep this complaint on file so others who might have problems with them they arent a good customer relations company need to be out of business
Consumer complaint received 2019-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (MI)

I have an Experian Membership, I have been trying to sign on for months without success. I have tried everything possible. Experian does not provide a phone number for a Live Person, I have called numerous different numbers and all I get are prompts to reset password or username, I type in the required information and Experian. emails me a link to reset password and my username. I have tried this 6 times today, Yes 6 time with 6 different links, Nothing works. Experian has basically LOCKED me out from my Experian Credit report. I cant even pay for a membership or pay for my report. This is not a problem with XXXX  or XXXX. So it must be an EXPERIAN Issue. This XXXX   XXXX  do not provide a reasonable way to contact them and they have wasted hours and hours of my time. I have called from my personal phone number, from my landline hime number, from My daughters number, NOTHING WORKS TO REACH A LIVE REP.Alternately EXPERIAN has basically said XXXX  YOU to us consumers. How the XXXX  can any corporation who makes billions off my information, which they take without my permission and then make it so XXXX difficult,
Consumer complaint received 2019-08-29
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (GA)

Santander Consumer USA violated the O.C.G.A. 10-1-36 I contacted Santander Consumer USA on XX/XX/2018 when they took my car from my house. I called to get my belongings from my car which was my money, ID, credit cards, etc. They KNEW that I was in another state because I bought the car in Maryland and my ID shows my Maryland address and they KNEW my current address because that is where they sent the repo truck to get the car, so by sending it to a address in GA that I do not live or never did, they did not make sure that they had done everything reasonable to ensure that I got the letter. Georgia Code Section 10-1-36, The lender must notify you of your rights to " redeem '' the car within 10 days of repossession which " Santander Consumer USA '' failed to do. Never send anything certified mail of date, time and location of sale to my address where the repossession took place. Since I never recieved the required notice of sale, or the notice of defciency balance per GA code 10-1-36, and therefore they have no right to the deficiency balance, no right to report a balance due on my credit report to XXXX, XXXX, XXXX and XXXX. 

10-1-36 .... the seller or holder shall not be entitled to recover a deficiency against the buyer unless within ten days after the repossession he or she forwards by registered or certified mail or statutory overnight delivery to the address of the buyer shown on the contract or later designated by the buyer a notice of the seller 's or holder 's intention to pursue a deficiency claim against the buyer. 


Since they are not legally entitled to any further money, that it is a FCRA violation to report that they are on my credit report by LAW. 

I reserve the right to take further action including filing appropriate complaints with the FCRA for violations of Title X of the Dodd-Frank Act, and related regulations which include a ban on Abusive Acts or Practices. In addition I reserve the right to file civil actions against you for slander of credit. 



The USPS tracking number for the deficiency letter which was undelivered and send back to Santander Consumer USA is # XXXX
Consumer complaint received 2019-08-20
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CIT BANK, NATIONAL ASSOCIATION (NJ)

In XX/XX/2005 purchased home with 20 - 80 loans. Over the years, these mortgage servicers changed from one to another as follows: XXXX XXXX to XXXX XXXX  to XXXX XXXX  to CIT to XXXX  and now XXXX.  In XX/XX/XXXX, $XXXX  (20%) loan was a reduction of principal due to spouse loss of job and HAMP in XX/XX/XXXX.  Currently,on my title search it revealed that the $XXXX  is still showing but is inactive based on XXXX  recording system that CIT Bank NA XXXX, CA is the ID servicer of this loan.  Please see document attached.  Trying to sell this house but cannot close unless the title is cleared up with the $XXXX.  This has cost me damages incurred during the process and now being asked to back back the buyer $XXXX for the title fee, attorney fee, application survey,  etc.,  which I believed is not my responsibility as I placed the house for sale in good faith and did not expect that old records are not updated by the mortgage companies over the years.  Please see MIN: XXXX  is an identical match to the XXXX and the $XXXX agreement, see attached.  Please review my request based on the facts presented and let me know when this could be resolved ASAP.  ThanksBest Regards
Consumer complaint received 2019-08-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SinglePoint GI (MO)

My account was initially opened on XX/XX/2014 and my charges in total of tuition and other fees amounted to $XXXX. This debt is subject to Louisiana Civil Code Tit. XXIV, Art. 3494. Actions subject to a three-year prescription(1) An action for the recovery of compensation for services rendered, including payment of salaries, wages, commissions, tuition fees, professional fees, fees and emoluments of public officials, freight, passage, money, lodging, and board;(2) An action for arrearages of rent and annuities;(3) An action on money lent;(4) An action on an open account;  and(5) An action to recover underpayments or overpayments of royalties from the production of minerals, provided that nothing herein applies to any payments, rent, or royalties derived from state-owned properties.I mailed a notarized letter stating this information to General Revenue Corporation.
Consumer complaint received 2023-07-09
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: SYNCHRONY FINANCIAL (LA)

The issue is regarding PayPal and PayPal Mastercard offered through Synchrony bank. 

Paypal sent me a credit card sign up bonus offer of {$100.00} if a minimum spend of {$500.00} was made within 90 days. I applied the next day and was approved. I have spent the {$500.00} minimum requirement within 90 days but as of XX/XX/2023, neither PayPal nor Synchrony bank have credited the aforementioned {$100.00} sign up bonus despite multiple calls to customer care. 

PayPal, credit card and sign up bonus were all linked to the email address : XXXX I have attached the email received ( XX/XX/2023 ) and also the approved credit card the next day ( XX/XX/2023 ).
Consumer complaint received 2019-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ND)

I have been banking with Bank of America for five years and had three credit cards with them : -Spirit Airlines World Mastercard ( opened XX/XX/XXXX ) -XXXX XXXX Visa ( opened XX/XX/XXXX ) -BofA Travel Rewards ( opened XX/XX/XXXX ) I had my wife on my Travel Rewards card account as authorized user for months without problem, and I added two of my friends as authorized users to help them build credit, the rrquest went through in thr system. On XX/XX/XXXX, and Bank of America closed all my accounts on XX/XX/XXXX without prior notice. 

I called in and the representative transferred me to fraud department, offered to request to reopen all three accounts after a hard pull on my credit report. I agreed and they proceed, and they came back with a denial, citing " we are not comfortable with the authorized user activities at this point ''. 

A few weeks later I received 3 seperate letters from BofA notifying the closure of my accounts, citing " irregular authorized user activities ''. I called in, visited local BofA branches and spoke to various BofA employees including a branch manager, asking if BofA stil wants my business, they all told me that " You're welcome to apply for new credit cards in the future ''. 

Nowhere in BofA 's credit card user agreement says I am not allowed to add 2 authorized users on the same day. I met the minimum spends for both XXXX XXXX card and Spirit Airline card before the closures, but BofA never awarded me XXXX XXXX bonus points and XXXX Spirit bonus points because of this. 

I applied for new BofA credit cards on their website in XXXX, and the declined decision came back with " An account with us has been revoked '', contradicting to what numerous BofA employees told me before. I called in again and BofA underwriting department could not tell me why this was the problem and when I can apply for their cards again.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2019-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX reported an item that was against my fcra violation removed and put back on that was paid in full. my driver license was stolen not aware of the charges to the best of my knowledge XXXX violation XXXX XXXX XXXX XXXX XXXX harassed and threating me suiting me threating me see attach documents
Consumer complaint received 2019-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Non of these inquiries which I listed in Identity Theft are not belong to me. I did not apply for that banks and never gave my authorization for applying. Please remove all of them from credit report, because they are not mine.
Consumer complaint received 2019-08-31
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (WI)

My mortgage was a couple months behind in XX/XX/2019 when Nation Star mortgage took over my loan. 
I called them to set up a payment arrangement. I was told that they can't do that, unless I pay the total about do. 
They suggested to apply for modification loan. 
So I agreed and started the process. 
They told me I didn't need my cosigner information because she isn't a contributor to my loan. They keep repeating same issues incomplete application. 
I summited everything I had for me and my partner. 
On XX/XX/2019 I talked to a representative on the phone and emailed her back and forth. 
At the end of XX/XX/XXXX I was served foreclosure papers. The hole time I was being reassured by a representative on this company that I was no where near forclouser. 
I talk to a representative at least one to two times a week. It's been one miscommunications after another. I send repeatedly the papers they ask and repeatedly I get told no right information. I ask to speak to my single point of conduct. Doesn't happen I have not been able to make a single payment on my home all this time. It's now beginning of XX/XX/XXXX and I have had no results or resolution. 
I have asked several supervisors at this company to review my phone calls. I have asked to speak with someone that actually knows what I need to send. 
I have so many documents that I'm not sure exactly to send. 
I have faced alot of documents to them I have expressed mailed paperwork to this company. 
I get told they don't have it. If the papers dont have the account number on every page they throw it away. Or I get told they didn't receive it. 
Where are all these documents then that has my personal information on it. 

Thank you
Consumer complaint received 2019-08-31
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mortgage Research Center, LLC (OR)

On XX/XX/19, I called Veterans United to inquire about rates and cost associated with an IRRL on my current VA loan. I received an email wanting me to create an account and e-sign documents. I DID NOT ask for a loan, only information. I believe this to be a deceptive tactic. Below is the item I received in the email. Not once did I tell the person I wanted to begin the loan process, I only wanted rates and costs. XXXX, the representative listed, called me to explain that it was not a loan, but it clearly looks like that is exactly what it is. 


Veterans United Home Loans sent you a document to review and sign. 
REVIEW DOCUMENT Veterans United Home Loans XXXX XXXX, A set of home loan documents is waiting for your eSignatures within your Veterans United account. The documents have been secured in order to protect your personal information. To access your documents click the button labeled 'Review Document ' above. If you have not already set up a username and password for your Veterans United account, you will be prompted to do so. After logging into your Veterans United account, you will see a task to Sign your home loan documents on your To-Do Checklist. Follow the instructions to Sign them electronically. 

Your eSignatures must be completed in order to move forward in the home loan process. If you see any inaccuracies, please contact a member of your loan team before you continue moving forward. You will see corrections appear on future disclosures. 

IMPORTANT NOTE : If no action is taken electronically within 3 days, we are required to send a hard copy via mail. You can still proceed by signing your documents electronically in your Veterans United account after receiving this physical copy. 

Sincerely, XXXX XXXX Residential Mortgage Loan Officer NMLS XXXX XXXX XXXX XXXX Veterans United Home Loans XXXX XXXX XXXX XXXX XXXX , MO XXXX. Mortgage Research Center , LLC. NMLS # XXXX ( XXXX XXXX XXXX ) Not endorsed or sponsored by the Dept. of Veterans Affairs or any government agency.
Consumer complaint received 2019-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have incorrect information on my credit file as a result of identity theft:|XXXX| | Inquiries:XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX - XX/XX/XXXX || COLLECTIONS:XXXX XXXX XXXX - XXXX - XX/XX/XXXX - XXXX  XXXX XXXX XXXX - XXXX - XX/XX/XXXX - XXXX (this is a duplicate account ||EQUIFAX| | Inquiries:XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX|XXXX| | Inquiries:XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2023-03-18
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. (NC)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2019-08-31
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. (MI)

I am filing a complaint against Equifax and XXXX XXXX because they are reporting a fraudulently opened account on my credit report. I have sent disputes regarding the opening of this fraudulent account with XXXX and Equifax a total of 3 times and it is still reporting on my credit report. I completed all of the necessary steps to get this matter resolved including filing an identity theft report with law enforcement which is attached to this complaint. XXXX and XXXX have already stopped the reporting of this fraudulent account form my credit report but Equifax remains to report it. This issue still remains open and my credit has been severely damaged because of this. This will be my final attempt to get this matter resolve before lawsuits are filed for damages agains Equifax and XXXX XXXX  for violations of the Fair Credit Reporting Act. The full credit card account number is XXXX which is also the number reporting on my credit report.
Consumer complaint received 2019-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: FIRST NATIONAL BANK OF OMAHA (GA)

The bank have been reduce my credit limit several time and they destroy my credit report and score I have contacted the customer service to the First Bankcard trying to connect with their credit department and the representative negligently act with me telling that the credit department do not talk to the customers. The customer service representative explained that the reason of the bank decreasing my credit limit is because they received from the credit bureau that my credit report was compromise with fraud alert. I mentioned to the representative that I was not aware of such issue with my credit report so he recommend to contact the 3 mayor credit bureau to tell them to stop the fraud alert. I called the 3 mayor credit bureau and I have even download my credit report to see if in reality I have a fraud alert. The 3 mayor credit bureau confirm that I do not have any fraud alert neither a flag on my credit reports and in addition my credit reports do not show any evidence of fraud alerts or flags. This bank have been decreasing the credit limit on the credit card the issue to me causing a huge damage in my credit history. Today I have to cancel my account with them because there is no way that this can be resolve directly with the bank. This bank works against their customers even that I have a clean a diligent credit history with them.