davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (FL)

My Ex Husband and I applied for the original 30 year mortgage in XXXX. 
Our divorced was finalized on XX/XX/XXXX. 
Court ordered Ex Husband, to NOT incur anymore debt on my behalf and to remove me from the mortgage ( JPMCB-CHASE Home XXXX  ).

I provided him with a quick claim deed as court ordered for my removal of said mortgage. 

In XXXX he started the process to modify the mortgage as he let it default and was unable to afford payments. In order to modify the mortgage he needed to provide proof of sufficient income to cover the mortgage. He provided paystubs, bank statements and a written letter informing the mortgage company that I ( the primary on loan ) no longer resided in the home and that his new girlfriend lived there now and that the information he had provided was her 's ( New Girlfriend 's ) proof of income and banking information. Which is stated very clearly on the paystubs and bank statements. 

The Mortgage Company ran my credit, used my social security number, my personal identification information and impeded ( New Girlfriends ) finances to reflect on my behalf to approve the modification without my knowledge, or my signature. 

I HAVE ALL THE DOCUMENTS THAT WHERE USED TO APPLY FOR THE LOAN MODIFICATION. HOW IS THIS LEGAL AND POSSIBLE!! 

It is now a 45 year mortgage which incurred about {$55000.00} in fees, charges and has a fluctuating interest rate for the life of the new 45 year term. I was made aware of this sometime around XXXX. Because of the time frame, local county law enforcement have informed me that are unable to prosecute my Ex Husband or the mortgage company. 

I have called, I have sent letters and the mortgage company does nothing. The mortgage company has told me they did nothing wrong and due to the mortgage being current they have no reason to make changes. Because of this my credit has been GREATLY affected. I am being reported to the credit bureaus, and as such it has caused my debt to income to be affected which in turn does NOT allow me to have a good credit score. I have ALL of the documentation to prove all that I have stated. I NEED HELP its been 12 years.
Consumer complaint received 2023-09-01
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (WA)

I hit a brick wall in my attempt to establish a contractual duty of my person to ERC COLLECTIONS. Moreover, with the intention to case harm, the entity is knowingly damaging my public reputation by reporting inaccurate and or falsified information.
Consumer complaint received 2021-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Complaint XXXX was submitted to the CFPB on XX/XX/XXXX. It is understood the Fair Credit Reporting Act XXXX FCRA XXXX requires a creditor or other business to give copies of applications and other business records relating to transactions and accounts when requested in writing. 

TransUnion response XX/XX/XXXX to XXXX in part was : We will follow-up with you within sixty 60 days Upon phoning XXXX XX/XX/XXXXXX/XX/XXXX employee # XXXX confirmed the existence of verified records provided by XXXX but refused provision of these business records relating to transactions and accounts. Attached is USPS ( not emailed as repeatedly requested ), received XX/XX/XXXX TransUnions 5 page XX/XX/XXXX, same day response, again concealing from me and CFPB copies of applications and other business records relating to transactions and accounts. TransUnion has been repeatedly, in writing, requested for 187 days to provide applications and all other business records relating to fraudulent XX/XX/XXXX # XXXX, XXXX XXXX XXXX, XXXX, TX XXXX, ( XXXX ) XXXX transactions and accounts. 

On XX/XX/XXXX page 4 TransUnion clearly acknowledges the disputed item was verified as accurate TransUnion is an eager accomplice to Nissans fraud. As I never had the vehicle, never register the vehicle to surrender, TransUnion, to avoid additional damages, please email XXXX all business records justifying your fraud participation : Disp Invg Comp-Rpt by Grntr : Payment Deferred : Voluntary Surrender. 

Please ASAP provide all documents/records by return email to XXXX.
Consumer complaint received 2023-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Consumer complaint received 2021-07-30
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MS)

Received a notice from the Department of Revenue state of Mississippi in XX/XX/XXXX, in reference to that they were unable to receive a certificate of title from the Lien Holder ( XXXX  XXXX  ) and that in XX/XX/XXXX I will not be able to re-register the vehicle. I contacted both XXXX and Portfolio Recovery Associates ( PRA ) and was informed that they could not assist me as they did not have a physical copy of the title. I then contacted The State of Mississippi and informed of what i was told by XXXX and PRA, they told me that i would need a letter of no interest or a Lien Release from XXXX XXXXXXXX I again contacted XXXX  XXXX  and they mailed out a letter of no interest on their letter head but that was still not usable. I contacted PRA again on XXXX  XXXX, XXXX and spoke with a XXXX XXXX who told me to email him the letter from Mississippi and that he would take care of getting the title sent. The title or lien release was not sent and I have not heard back from him. I finally tracked down where the title is being held, the Title is being held electronic by the State of Kanas where the vehicle was originally registered. I spoke with them and I was told that I would need a notarized letter from the lien holder or a TR42 Form signed and notarized by the lien holder. I have sent the TR42 to both XXXX  and PRA and both companies refuse to sign and send the document to the State of Kanas. I have spoken with XXXX from XXXX and she has informed me that since XXXX sent a electronic lien release back in XXXX that XXXX no longer has any interest in the vehicle and can not sign off in good faith. PRA has still not contacted me and when you call the bankruptcy department you are on hold for over 30 minutes they pick up and automatically put you back on hold. I'm at lost and my supporting documents are over XXXX so i can not attach.
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (DE)

I asked the credit bureau Experian, to do a Verification on everything on my credit report and they stated everything was accurate and I did a thorough research myself and found improper inaccuracies on the credit report even after they did a thorough research. In accordance with the Fair Credit Reporting Act All the accounts I have listed below have 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 an account without my written instructions. XXXX XXXX Account XXXX XXXX Account XXXX XXXX  XXXX Account XXXX XXXX  Account XXXX
Consumer complaint received 2021-01-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (WA)

I applied for loan help in XX/XX/XXXX with SPS. Due to the COVID pandemic and state lockdowns, I had a reduction in income and could not afford to pay all loans attached the house without help. The house is not my primary residence since I moved out of state for work and the real estate market did not allow for the sale of the house. I called the mortgage company, SPS, daily. I did everything they said to do, and requested to speak to a manager, but was denied. At the beginning of XXXX the agent said I would qualify for relief of at least {$10000.00} and that it would be finalized the next week. To stop incurring additional debt, I had to sell the house. In XX/XX/XXXX, SPS stated that I would still receive mortgage relief to pay off additional loans, even if the house sold. SPS received the pay off amount on XX/XX/XXXX and dropped my claim. They stated that since they got their money, the request was no longer valid. And thus, I am negative in paying off loans related to the home, even though I no longer own it. SPS intentionally gave me false information and delayed approval of the requested assistance to further their own financial gain at the expense of my family.
Consumer complaint received 2021-08-27
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

on XX/XX/2021 I sent you a letter regarding inaccurate things on my credit report on but to this day more than 60 days have passed, and I still got no response. I was told that FCRA obligates you to investigate these negative items within 30 days and remove them if nothing is found, but it has been over a month now, and your inaccurate reporting still affects my credit nor i get response from you. Apparently, you are ignoring my disputes. I demand these accounts be deleted immediately or I will file for litigation due to all the troubles you caused me. My information was impacted by Equifax data breach and may got into hands of the wrong person and its your obligation to fix all these errors.
Consumer complaint received 2023-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: ALLY FINANCIAL INC. (MN)

The credit card company called Ally, keeps sending me unsolicited pre-approved letters in the mail. I keep getting the exact same letters in the mail every other day, if not XXXX!! I have called them and asked kindly to STOP sending me unsolicited mail to me immediately, yet they are continuing to send it! Please help me, this situation is causing me XXXX XXXX  and distress. 
Cease And Desist. 
RESERVATION # XXXX
Consumer complaint received 2017-11-30
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: RoundPoint Mortgage Servicing LLC (LA)

The mortgage loan was closed on XX/XX/XXXX, and the remaining amount for closing was paid by me on XX/XX/XXXX to the Titling Company. I was not aware that the Title Company would take 48hrs to post the payment causing the payoff to post to Roundpoint Mortgage on XX/XX/XXXX. This in return caused the XX/XX/XXXX monthly payment to be reported as a 30 day late payment to Roundpoint Mortgage. The property that Roundpoint Mortgage was servicing was sold. 

I have contacted the creditor and explained the situation a number of times. I also sent the creditor the letter from the Titling Company showing that is was by no fault of me that the payment was paid on XX/XX/XXXX instead of XX/XX/XXXX. The creditor informed me that it was n't anything they could do about it because they have to report the date the payment posted regardless of what I have informed them. I was current with all my monthly payments due to the creditor the entire time that I had the loan which should further prove I was not trying to be late with any payments..
Consumer complaint received 2023-07-26
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: EQUIFAX, INC. (CA)

This is my one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 an alleged fraud or extortion. I have attached my FTC report and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft. XXXX XXXX XXXX and XXXX XXXX. Please delete these accounts ASAP.
Consumer complaint received 2023-07-24
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. (MN)

This is XXXX XXXX and I am submitting this complaint today to inform you that I have been a victim of identity theft. I conducted research on how to remove fraudulent accounts and information from my credit report, and I discovered that I need to visit the Federal Trade Commission ( FTC ) or https : //www.ftc.gov to file a report. According to Section 605b of the Fair Credit Reporting Act ( FCRA ), Credit Reporting Agencies are obligated to remove and block any items listed on an identity theft report. Please find the attached documents that will assist in blocking the erroneous information that is being posted on my report. Here is a list of items that do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX  XXXX Balance Owed : {$6400.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. According to Section 605B ( a ) of the FCRA, Credit Reporting Agencies are required to block any information in the file of a consumer that the consumer identifies as resulting from the identity theft within four business days of receiving the information.
Consumer complaint received 2023-05-20
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: Avant Holding Company, Inc. (VA)

I was told my credit WOULD NOT BE RAN AND IT WAS, WHICH IS A LIE. I want to file a complaint because it was a hard inquiry and it said no impact to your credit.
Consumer complaint received 2021-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

Back in XX/XX/2021 I was solicited to open a XXXX XXXX XXXX account, I responded and opened this account on XX/XX/2021. A few weeks later received another solicitation to open a XXXX credit card through XXXX XXXX. Therefore I opened the XXXX credit card on XX/XX/2021. For the next few months used both cards per the policy/terms and agreement, which was created solely by XXXX XXXX, this includes charges and making successful payments. 
You can imagine my shock when I received letters from XXXX XXXX dated XX/XX/XXXXthat XXXX XXXX has decided to close both my accounts. 
XXXX XXXX has discovered past or present legal action involving an individual or entity associated with the account Unfortunately it can not be reopened and we are not able to offer additional information about this decision XX/XX/XXXXXXXX committed numerous violations just in the wording of the letter, but also violated our contract and both the State of Michigan and Federal laws. 
First, claiming XXXX XXXX is not able to offer additional information about this decision is not only a clear lie, I mean why not they have the information, because they used it to make their decision. Maybe they have information that they shouldnt. Further, refusing to provide a specific reason directly violates consumer rights protecting against discrimination. XX/XX/XXXX knows this, which means XXXX XXXX is deliberately breaking the law with the intent to cause me harm, this is another breach of contract. 
I am requesting the specific information XXXX XXXX used to close my accounts. Additionally, since XXXX XXXX has admitted they solicited me in error, that they allowed me to open these accounts in error then all information concerning these accounts should be deleted from my credit reports. 
As part of accepting the terms of the contract between myself and XXXX XXXX I agreed to the terms with the condition that I would have an open line of credit as long as I did not violate any policy or terms which I have not.
Consumer complaint received 2021-07-30
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (FL)

I made a purchase with a XXXX XXXX XXXX provided by Synchrony Bank. The terms of the account provided me with a 0 % interest rate subject to the account being paid off in full by the end of the promotional period. I made payments significantly in excess of the minimum amount each month and mailed a check on XX/XX/XXXX in the amount of {$550.00} followed by a subsequent electronic payment in the amount of {$100.00} to pay the account off in full. To date, Synchrony Bank has not cashed my check which resulted in them charging me over {$500.00} in interest on an initial purchase amount of approximately {$1700.00}. I am a XXXX XXXX professional working for XXXX XXXX beyond the stress associated with the impact of Covid on the workplace, I have personally battled XXXX and recoverd from a broken XXXX  in the last year. Candidly, I could have done without the added stress of a financial institution charging me a whopping retroactive 29.9 % interest charge despite the fact that I have paid this account religiously and paid it in full prior to the expiration date of the promotional offer. I have continued to make payments so that my credit is not negatively impacted but hope you can intervene to ensure that the excessive interest is credited back to my account. I am happy to share specifics with respect to my credit but I pay my bills on time.
Consumer complaint received 2021-07-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

EXPERIAN SAYS THEY WANT ID TO DO DISPUTES. 
EXPERIAN KNOWS WELL WHO I AM ..THATS WHY IM ASSIGNED TO XXXX XXXX IN EXPERIAN CONSUMER AFFAIRS SPECIAL SERVICES.

EXPERIAN DOES NOT WANT TO DO DISPUTES AT ALL THATS WHY THE SECOND DISPUTE ON ANY ITEM IS DETERMINED TO BE FRIVOLOUS.

THEN THEY DO NOT ALLOW UPLOADS SO THAT THAT DENIAL CAN BE OVERRIDDEN, I HAVE PROVIDED SUFFICIENT ID MANY TIMES.

HERE IT IS AGAIN.
Consumer complaint received 2024-04-09
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (MA)

I sent Barclays a {$100.00} USPS money order on XX/XX/XXXX. I mailed it with a payment stub from a billing statement to prevent the exact problem that has occurred. I sent the payment stub so Barclays would have my information in front of them with my payment for no error. 

But here we are. 7 months later the {$100.00} USPS money order payment from me to my Barclays account was never posted. It was cashed. 

There was a temporary credit at one point on the account. So I made more payments.

But I stopped paying on my Barclays account because Barclays ripped me off. Barclays failed to provide exceptional customer service. And frankly I see them as robbers. Because if someone stole {$100.00} from me, well thats what theyd be. And Barclays stole my {$100.00} payments. 

At this point I want my {$100.00} payment found. I want ALL charges incurred since XX/XX/XXXX refunded. I will pay my basic monthly payments due, and continue to pay off account. I want ALL derogatory remarks removed, and a remark of ownership of error on behalf of Barclays owning lost payment on my credit.
Consumer complaint received 2023-01-09
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Citizen Mortgage LLC (NY)

I completed an application for an FHA loan with Citizen Mortgage on XX/XX/XXXX, for a home purchase. The address of the property is XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX and was listed for {$200000.00}. I also asked the lender to consider my application for XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, TX XXXX for {$190000.00} on XX/XX/XXXX, to which he agreed. 

I asked the lender several times for confirmation that all required documentation was received and a loan estimate. I could not get a clear response to these questions or whether my application has been denied. I have yet to be informed about the status of my application. My credit report was pulled by this lender, and it appears that they do not intend to give me a resolution.
Consumer complaint received 2023-07-08
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. (CA)

I am writing to file a complaint regarding the inaccurate information on my credit report, which I reported to Equifax on XX/XX/XXXX. Unfortunately, I have not received any response from Equifax regarding this matter. Therefore, I am seeking assistance from the Consumer Financial Protection Bureau to address and rectify this issue. 
I would like to bring to your attention the following incorrect information on my credit report, along with the requested corrections : Account Not Mine Account Number : XXXX Company Name : XXXX XXXX Date Opened : XX/XX/XXXX Credit Limit : {$200.00} Issue : This account does not belong to me, and I request that Equifax removes it from my credit report. 


Account Not Mine Account Number : XXXX Company Name : XXXX Date Opened : XX/XX/XXXX Past Due : {$0.00} Issue : This account does not belong to me, and I request that Equifax removes it from my credit report. 


Account with Incorrect Late Payment Company Name : XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00} Issue : There is a late payment reported on this account ; however, it is incorrect as the account was never late. I request that Equifax corrects this inaccurate information on my credit report. 


Account with Incorrect Late Payment Account Number : XXXX Company Name : XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$410.00} Issue : There is a late payment reported on this account ; however, it is incorrect as the account was never late. I request that Equifax corrects this inaccurate information on my credit report.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (MA)

We put a XXXX on Vechicle as no lien was associated with the Vechicle concurring it was paid in full as agree but not credit by the creditor at the time.