davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc. (PA)

The home where I now live became mine when my mother and sister passed away and I completed the probate process for their Estate. I started working with a housing counselor and the mortgage company, XXXX XXXX, because the mortgage had gotten behind due to their death in XX/XX/XXXX and I have every intention of straightening out that problem and making mortgage payments once the mortgage company will accept payments from me again. I was approved for a Trial Payment Plan in XX/XX/XXXX and started making TPP payments XX/XX/XXXX, XX/XX/XXXX andXX/XX/XXXX. I expected to receive a permanent loan modification after the completion of that 3 month trial, but instead I was told to make a 4th TPP, which I did in XX/XX/XXXX. XXXX  sent me an Assumption application packet, which I completed and returned. When I hadnt received the permanent modification offer by XX/XX/XXXX, I made another payment over the phone, but when I called to confirm it had been received, I was told by the representative that he had checked with his supervisor and that my payment had not been applied because the modification offer had been rejected. I was shocked. A few days later, I received notification that there had been some problem with the notarization of the Assumption application packet and XXXX  requested I complete a new one. I did that and returned it by overnight mail on XX/XX/XXXXand they rejected it again for a different reason. We went back and forth for weeks. Finally, I completed the assumption packet for the final time and sent it by regular mail ( because I had already spent so much money on overnight mail and notarizing ) onXX/XX/XXXX. XXXX received it on XX/XX/XXXX. I waited to hear about when I could send them the payments for the prior 2 months that they had not accepted when my housing counselor got an email from XXXX  attorney saying that the mortgage was being transferred to XXXX ( which was a mistake- it actually was transferring to Seterus ) on XX/XX/XXXX. I didnt get any prior notification of the transfer, and eventually received a Goodbye letter from XXXX. But nothing I had worked on for the previous 6 months mattered to Seterus! My file had already been closed and my assumption application cancelled since nothing was in place when the service transfer happened. Now Seterus is asking me to start over and reapply for loss mitigation. I am beyond frustrated. I never got a denial letter, and the reasons delivered by email from the lenders lawyers contradict each other. One email says that I was rejected because I had not made XX/XX/XXXXpayment- the FIFTH trial mod payment. One email says the problems with the assumption packet were why I was rejected.
Consumer complaint received 2023-06-05
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)

I submitted a letter to the Experian Credit Bureau to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX  XXXX XXXX Balance : {$460.00}
Consumer complaint received 2023-06-05
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. (IL)

I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
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 
These items are unknown to me. Also, the information you provided on some items are DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on some items is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : A. the information was blocked in error or a block was requested by the consumer in error ; B. the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.

Again, the items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from the alleged identity theft.
Consumer complaint received 2023-09-18
Product: Credit reporting 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: EQUIFAX, INC. (CA)

All three Credit Bureaus ( XXXX, Equifax, and XXXX ) had put a restriction on my abilities to submit a Dispute Online and enjoy their free services on my free accounts. I will need for all three of them to remove the restriction on my accounts so I can submit my online Disputes.
Consumer complaint received 2023-06-04
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. (OK)

Re : Disputing error [ s ] /Negative information on Credit Report This is a formal complaint that Experian is reporting data that I have collected to be inaccurate and incomplete credit information. I am distressed that they have included the harmful information below in my credit profile and that they have failed to maintain proper consumer law procedures in company operations to guarantee maximum accuracy in the credit reports they have published. Credit reporting laws including : C.F.P. B 1022.42 ( a ) Reasonable policies and procedures concerning the accuracy and integrity of furnished information. This clearly states ( a ) Policies and procedures. Each furnisher must establish and implement reasonable written policies and procedures regarding the accuracy and integrity of the information relating to consumers that it furnishes to a consumer reporting agency. The policies and procedures must be appropriate to the nature, size, complexity, and scope of each furnisher 's activities.
Consumer complaint received 2023-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

I have 3 accounts at XXXX XXXX which are disputed and affected by a natural or declared natural disaster. The FCRA and XXXX XXXX protocols require reporting my account as ( 1 ) disputed and ( 2 ) affected by natural or declared disaster. However, my XXXX, Equifax and XXXX credit reports fail to accurately reflect that my account is disputed AND affected by a natural or declared disaster. Therefore, my credit reports are inaccurate and not complete fir failure to contain the mandatory information. Either delete all my 3 XXXX XXXX accounts or include the statutory reference that my accounts are both disputed by consumer AND affected by a natural or declared disaster.
Consumer complaint received 2023-06-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CONTRACT CALLERS INC (VA)

I received a letter by mail that was sent to my forwarding address to my po box when I got the letter from Contract Callers it stated that I owed a balance in the amount of {$200.00} the company provided a response letter that I could respond back by mail disputing the debt. I responded back with the letter they sent out also I provide documentation that I had made a payment on account and also XXXX XXXX XXXX XXXX had made last and finale payment on this account before I had the service disconnected due to move out on XX/XX/2022 then I received calls about debt and said that the debt will be reported to credit bureau. The debt was reported on my credit and have damaged my credit.
Consumer complaint received 2023-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC. (AZ)

On XX/XX/XXXX ; I had agreed to an auto refinance for my then XXXX XXXX XXXX. The company that solicited me the refinance offer was called XXXX and they had assigned the loan to a company called Exeter Finance LLC. Issues with the loan refinance arose after it was assigned to Exeter. Exeter never filed for a new Arizona auto title, and never perfected the lien on the vehicle. About a month later, I recieved the previous title that was cleared of any liens. I had verified with the state of Arizona Department of Transportation Motor Vehicle Division that no lien was placed by Exeter. I attempted to speak with Exeter customer service about the huge issue with the title and was ignored. At one point I was threatened with reposession despite Exeter not having legal ownership via a perfected lien. Eventually, I had enough and sold the vehicle to a local dealer which had no issue transferring the title. Exeter then charged off the loan and marked it as a reposession despite no reposession ever taking place. They placed on my credit bureau this reposession that doesnt exist. Exeter by their failures with this loan has not only destroyed my credit, it has caused emotional distress and anxiety.
Consumer complaint received 2018-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (NV)

onXX/XX/XXXXthere were charges made to my US Bank Credit Card without my knowledge. This card was previously paid off and I seldomly use it. I received no communication that there was an outstanding balance on this card or that it had become past due untilXX/XX/XXXX. Once I was made aware that there was a past due amount I paid it immediately. I specifically asked why I wasn't notified earlier and the representative told me they were unsure, and that they send monthly statements. I never received these statements, I then asked them if this would show on my credit since the charges were from so long ago, I was told that it shouldn't effect me and that it wouldn't be reported since I was bringing my account current. Shortly after this I noticed that they had reduced my credit limit severely but I didn't think much of it since I rarely use the card.Then in XX/XX/XXXX I applied for a home loan and was informed that I had a derogatory remark on my credit from US Bank in XX/XX/XXXX. I immediately knew what it was from, I've been in contact with US Bank and they insist that there is nothing I can do to remedy this situation other than for me to file a dispute with the credit bureau. I've asked repeatedly for a letter of deletion and they refuse to write one, but they were willing to notate the account stating that if the credit bureau contacted them, they would accept fault and allow the delinquency to be removed. Currently this issue is causing problems for me financially, and making it difficult to get approved for a favorable home loan.
Consumer complaint received 2023-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have 3 accounts at XXXX XXXX which are disputed and affected by a natural or declared natural disaster. The FCRA and XXXX XXXX protocols require reporting my account as ( 1 ) disputed and ( 2 ) affected by natural or declared disaster. However, my XXXX, XXXX and TransUnion credit reports fail to accurately reflect that my account is disputed AND affected by a natural or declared disaster. Therefore, my credit reports are inaccurate and not complete fir failure to contain the mandatory information. Either delete all my XXXX XXXX XXXX accounts or include the statutory reference that my accounts are both disputed by consumer AND affected by a natural or declared disaster.
Consumer complaint received 2023-06-16
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CITIZENS FINANCIAL GROUP, INC. (VA)

XXXX XXXX XXXX came to my door and informed me of their promotion. No upfront fees, no install fees, and cost of equipment simply rolled up into the monthly fee of {$78.00}. Plus they would send me {$400.00} in gift cards for signing up and 3 months free. I agreed and said this sounds great. I had no idea that the sales rep was opening up a line of credit in my name with Citizens Pay. The sales rep was unethical in that he should have stated up front that the cost of the equipment is around {$3000.00} and we will need to open up a line of credit in your name. In fact when he handed me his tablet it asked me for my full SSN and I asked him why would you need this and if my credit is going to be run. He said sometimes the system asks for it but don't worry you are already approved to be one of our customers and no your credit is not impacted. He then said he had to put me on video but before he did this he coached me on exactly how to look ( not look away and simply confidently say yes ) He said the jargon used is legal stuff. I didn't pay much attention as I trusted him. A month later I find out I have a line of credit on my credit report. Also he said it would be 3 months free ( I had to call XXXX to fight them on that to get them to set that up, the bill is not {$78.00} but {$89.00} and they billed me for the installation over {$200.00}. WOW! So unethical, deceiving, and he did this to soo many people in my community. I would have never signed up if he was honest and said " look you need to apply for a line of credit in order to pay for the equipment '' So many XXXX violations. I had no clue I was opening a line of credit. I work in banking and I am very familiar with the law and XXXX is willingly breaking the law with their door to door sales practices. Yes I signed everything that was on his tablet because I trusted him and he simply pointed and said sign here so that is why XXXX will not change anything. In fact this sales rep advised me not to call XXXX if I had any questions but to text him for any problems.
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

XXXX by capital one reporting system is deceptive. The scoring system they use reports my credit scores as excellent and is from XXXX scoring system. I thought was was in a great shape to apply for capital one credit card based on the excellent score and great banking relationship I have kept with capital one throughout the years. To my detriment I discovered on XX/XX/2023 after getting denied credit from capital one, they do not use the XXXX scoring for cards issued by their bank which is this misleading XXXX score. I also found out recently none of the major credit card issuers I have applied for use this useless XXXX scoring system.
Consumer complaint received 2023-01-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (NV)

I am signing up for the fees that happened XXXX XXXX. I was sent a noticed that I can be reimbursed for fees for unfair banking by Wells Fargo. I know I paid a lot of fees probably over {$500.00} worth of fees. Thank you. XXXX XXXX
Consumer complaint received 2023-09-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: LOBEL FINANCIAL CORPORATION (CA)

I have had a used vehicle with Lobel Financial for almost 5 years. They have received my information for insurance and I have maintained full coverage throughout the entire time. The never verify check that the insurance is still in force before charging an LDW fee on the policy. This has gone on for years. They add this fee onto your regular monthly payment. My monthly payment I make is about {$500.00}. I tried to make my payment this month and it was increased to {$730.00}. It would not allow any payment below. It would not take any form of partial payment. I talked with their representative on the phone which the company has recorded. They do not allow communications via email or give a contact number for anyone. At about 11 days past due I found a representative that was going to resolve the issue by verifying my insurance. They told me they will look into this over the next week to 2 weeks. I asked if I can just make my regular monthly payment while he resolves the issue because I don't want it to harm my credit. He said he needs to resolve it first. He told me to make sure I answer when he calls back so I can make the payment. I confirmed with their employee that while he is resolving the issue, my account would not be reported to credit reporting agencies if it made it to the 30 days past due while they are resolving the issue. He assured me that it wouldn't report to the credit agencies and I would need to make my payment once it is resolve. He did not give me any other options to pay.

Since that conversation 2 and a half weeks ago. I received a 30 day past due on my credit report. I have contacted the company multiple times between then and requested to be put in contact with a supervisor. No supervisor has returned my calls. I was able to have a representative tell me XXXX a supervisor would call me on XX/XX/23 and he did not. I called again today XX/XX/23 and was able to reach him. He said they resolved the insurance issue on XX/XX/23 after I called again. I said great I would like to continue resolving the issue and make my payment without it harming my credit like I agreed to with their representative. XXXX said they will still report it as 30 days past due. He said he doesn't have the power to resolve the issue, and even though the employee agreed to that, they can still report it. He said he will ask the Manager to call me. He refused to give me an email address, or number to them. He also refused to give me a name of who is above them.
Consumer complaint received 2023-06-04
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (CA)

I had an account with Chime bank ( checking account and credit builder account ). They closed both accounts with my knowledge for unclear reason on XX/XX/2023. I have around XXXX XXXX on checking account and around XXXX XXXX on credit builder. I have called chime customer service regarding my closure check, they stated they dont have any info when it will be sent and I have to wait 10 days its been already 13 days. I have called number of time as well as sending emails where is only get automated response from them. I asked to talk to supervisors on the phone and I have been promised to receive my check expedited but no luck at all. To seems chime took my money and ignoring my request to get my money back, I hope you solve this issue as I got late fees on my car payment, car insurance and phone bill.
Consumer complaint received 2023-06-27
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. (NC)

I sent a letter of dispute to XXXX, XXXX, and Equifax on XX/XX/2023. I explained that the account for XXXX XXXX was reporting incorrectly. The account was charged off and keeps reporting as being updated each month. All 3 bureaus came back stating the reports were updated without providing me with the proof or documentation used to validate the account.
Consumer complaint received 2023-06-03
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. (FL)

XXXX XXXX open : XX/XX/XXXX XX/XX/XXXX one Late payment ( inaccurate ) ( Payments were on time ) Remove and Delete late payments and up date details immediately. 

XXXX. XXXX XXXX : XXXX, XXXX XX/XX/XXXX one Late payment ( inaccurate ) ( Payments were on time ) Remove and Delete late payments and up date details immediately. 

XXXX. XXXX XXXX : XXXX XXXX, XXXX three lat payments ( XX/XX/XXXX ) Late Accurate, ( XX/XX/XXXX, XX/XX/XXXX ) inaccurate I was never late three times i admit, i was late on XX/XX/XXXX but only three days it wasn't 30 days late. Please correct these items and update them. 

Unauthorized collection/ Unverified account Pursuant to 18 USC 8, Owe no debt. These companies are violating my consumer rights to privacy pursuant to 15 usc 1681b 2. The company has also NO permission to report ANYTHING using my info pursuant to 15 usc 1681 4. Here are the list below : XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX {$930.00}. I asked for documents but nothing was presented. This is a violation under 15 usc 1681 i want documents ink with my name sign.
Consumer complaint received 2023-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

I am writing to formally complain about the recurring issue regarding the display of my account balance on my XXXX ( XXXX XXXX XXXX XXXX XXXX Credit Card. The balance has been consistently displayed incorrectly by a large margin. Currently, the discrepancy is greater than {$12000.00}, which is having a significant detrimental effect on my credit score. I have made numerous attempts to rectify this issue. Unfortunately, the problem persists despite my efforts. Not only is this affecting my financial credibility, but it is also causing me considerable stress and inconvenience. I am therefore seeking your assistance to investigate this matter and take necessary actions. I also request the following : 1. A detailed explanation of how and why this discrepancy occurred. Specific information on the steps that were taken in investigating and attempting to resolve the issue. 2. An assurance in writing that this problem will be rectified immediately and will not recur in the future. 3. Compensation for any damage that this may have caused to my credit score and reputation, if applicable. I believe that as a consumer, I have the right to receive accurate and consistent information regarding my credit card balance. The constant misrepresentation of my account balance by XXXX is unacceptable and must be addressed.