davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-14
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: SUNSTREET MORTGAGE LLC (AZ)

I have put in two separate loan applications on two separate properties with XXXX XXXX at Sunstreet Mortgage. On both occassions we have informed XXXX that I had a prior VA loan and VA foreclosure. My real estate agent informed him as well as she referred us to him. XXXX has also contacted the VA to discuss the foreclosure as he originally told us the VA requires a 6 % downpayment for prior VA loan that resulted in foreclosure. I say this to say that XXXX knew I had a prior VA loan and still quoted us what I know now is the 1st use and not the 2nd use VA funding fee on both loan estimates. This made his loan estimate look better than other loan estimates I received. XXXX then sent us a revised loan disclosure statement and when we inquired why the VA funding fee had went from {$7500.00} to {$11000.00} he cited a change in circumstance stating he thought I was a first use and that he had just received the Certificate of Eligibility from the VA stating otherwise. When we reminded him of the several different occassions that support him having known about the prior VA, he stated that we lied on the prior applications and that I verbally told him I did not have a prior VA loan. In addition, he received the Certificate of Eligibility on XX/XX/XXXX. He did not make the Revised Loan Disclosure Statement and Estimate available to me until XX/XX/XXXX. He is required to make it available within 3 business days of having known of the change in circumstance which would mean he should have made it available by XX/XX/XXXX. He is in violation of the tolerance levels under the TRID rules as they relate to the VA funding fee and disclosures.
Consumer complaint received 2021-01-14
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)

Ive been reaching out to Experian over the past few months XXXX  the inaccurate and inconsistent information reporting on my credit report. Ive attached the letters and certified receipts as proof. Each time I sent the letter to the agency the said they updated the account but their where no changes made and the cleay reaged the XXXX which is a violation. So because I felt like they were neglecting to investigate my concern I asked for the method of verification in my letter XX/XX/2020 and NEVER receive a respond
Consumer complaint received 2021-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (UT)

PHH Mortgage Services is reporting me late on XX/XX/20 through XXXX and I was not late. Due to the unforeseen circumstances surround the pandemic of Covid-19 I was severely financially impacted. I worked with PHH Mortgage Service through this and they knew about my situation. We decided that the best course of action would be to put my mortgage in deferment. However, I recently checked my credit and noticed that they have been reporting me late when I was specifically told that they would not report me late or file any negative marks on my credit. This is extremely disappointing as I trusted this company to help me out in a time of need. I ask they please remove the lates from my credit file. If I knew I would be receiving late notations on credit I would have come up with a different plan. Also under the federal mandate and CARE act late notations can not be filed during the Covid 19 pandemic. I am very disappointed and want to get this sorted.
Consumer complaint received 2021-01-14
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. (CA)

I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.
Consumer complaint received 2021-01-14
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)

I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.
Consumer complaint received 2023-06-22
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 (TN)

I have recently disputed an account, it was once removed and is now showing up again in my credit report. I have disputed this account again this year and the creditor has reported the information submitted is verified and accurate. I requested validation to verify that this account belongs to me however I received nothing to validate this debt. Also, the account is showing inaccuracies amongst each credit bureau which would be a violation of the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA. If the account was verified and accurate each bureau would be reporting the same information.
Consumer complaint received 2021-01-14
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. (VA)

On XX/XX/2020 I sent a letter regarding inaccurate and incorrect items on my credit report. To this day over 60 days later I have not received a response as of yet. I feel like Im being taken advantage of and being ignored of my disputes. I demand these damaging accounts be deleted immediately. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-06-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (LA)

Opened checking account ( XXXX XXXX and deposited $ XXXX on XX/XX/23. I was to receive {$500.00} after 90 days of maintaining a minimal balance of $ XXXX. I never touched any of the $ XXXX, to this day. I have never received the {$500.00} bonus, although they tell me, in my phone calls to Citibank, that XXXX entitled to receive it. I was even mailed a W9, which I returned immediately, and the phone reps admit it was received, but they refuse to advise me when/if I will ever see the {$500.00}.
Consumer complaint received 2021-01-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On XX/XX/XXXX, I submitted a letter regarding unknown and inaccurate information on my credit report. As of XX/XX/XXXX, which is more than 60 days later, I still have not received any response. I am under the impression my disputes are being ignored and disregarded. I feel as if I am being taken advantage of. Section 611 ( a ) plainly states that a failure to investigate these disputes within 30 days gives reason to remove the items from my credit report immediately. These items should be removed at once since it has been over 60 days. I demand these accounts be deleted immediately, or I will file for litigation due to the unjust due stress you have caused me. Furthermore, my personal information was impacted by the XXXX  data breach andmay have gotten into the hands of unauthorized individuals.
Consumer complaint received 2020-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I have attempted to resolve a matter with Capital One about incorrect information on my credit report. I have provided all of the information they require and have not received adequate attention. The report is stating that I had delinquencies on a credit card from XXXX XXXX. The card was not mine and there is no other record of it.
Consumer complaint received 2020-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

See attatched XX/XX/XXXX statement. see attatched USAA FRAUD LETTER OF UNAUTHORIZED {$470.00} temporary credits 10 TEN MONTHS AFTER FRAUD XX/XX/XXXX REPORTED XX/XX/XXXX. Kindly Note. THERE ARE NO USAA TEMPORARY USAA CREDITS TO REMAIN PERMANET XX/XX/XXXX.
Consumer complaint received 2023-07-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (NJ)

Wrote a check on XX/XX/2023 Pay to the order of XXXX XXXX XXXX XXXX XXXX XXXX XXXX  '' for {$480.00}. Put in Blue Box in front of local post office. The check was stolen by unknown person and cashed for {$480.00} on XX/XX/2023. They did not alter the front of the check. However TD bank and XXXX together allowed the money to be withdrawn from my account. The scribbled initials on the back of the check are nowhere near looking like the pay to order this check is addressed to. I went to TD bank on XX/XX/2023 and filled out Affidavit of Forgery. Today is XX/XX/2023 I haven't received any correspondence from the back at all ( no mail, email or phone calls ) regarding this. Nothing to even say they are looking into it. I feel that both TD Bank and XXXX  are at fault for taking my money and giving it to a random person who didn't even bother altering the front of the check. To this day I haven't gotten my money back.
Consumer complaint received 2021-03-11
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: National Credit Systems,Inc. (GA)

I noticed on XXXX XXXX that the National Credit System , Inc posted that I owe XXXX XXXX XXXX  XXXX dollars for either a utility bill or rent. I told the debt collection agency numerous times that I never lived over there but I did apply for housing apartment back in 2016 yet they denied me so therefore someone in that apartment office kept my personal information on file to use it for someone else. It seems like I am not getting any help yet people want me to pay something that I didn't actually do so to avoid this going to a courthouse, I suggest this is taken off of my credit for fraudulent because I can't even give an address nor an apartment unit for that place since I supposedly lived there.
Consumer complaint received 2021-01-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (PA)

Received a call this morning on my phone number for my elderly mother. They stated she had debts owed. 
I told them, this is my cell phone, not hers and hung up. We have been getting a lot of elderly scams going on. 
I back traced the number and found that it was listed as two things, aggressive debt collection and scam. 
I then traced to the company name and called them. When a representative answered, I asked why they were calling my number for my elderly mother, he said she must have debts to pay. This is incorrect, my mother has been debt free for quite a few years. 
I asked how much debt was owed and was asked if I had Power of Attorney, I am not. When I stated that their company called me, and if they were willing to do that, they should be willing to discuss the debt with me. He refused, at that point I blew up on them and informed them I would be filing with the CFPB.
Consumer complaint received 2021-01-14
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: FactorTrust, Inc. (TN)

I am disputing information found exclusively on my Factor Trust credit report. I received my credit report from Factor Trust and found several errors that are a result of identity theft. I have attached a copy of the dispute to this complaint.
Consumer complaint received 2020-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

See attatched XX/XX/XXXX FRAUD LETTER XX/XX/XXXX, FRAUD LETTERS. * credit we deposited at the beginning of investigation HAVE BEEN REVERSED. see attatched XX/XX/XXXX statement of transactions. ONLY CREDITS ARE MERCHANTS {$340.00}. NO NONE NO USAA CREDITS PROVIDED.!! USAA REVERSES CREDITS NEVER PROVIDED.
Consumer complaint received 2023-06-22
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MN)

I went to XXXX XXXX XXXX, XXXX and graduated in XXXX. I had to consolidate my student loans from my XXXX XXXX XXXX at XXXX, XXXX, in order to get loans for XXXX. I am now part of the class action law suit for the Borrower Defense to Repayment Act, Sweet vs. Devos. I applied in XXXX and was denied, under Devos ' tenure. Under the lawsuit, I am eligible for the forgiveness of my loans ( which has not happened yet ). I am not eligible for a refund of what is paid, because I was required to consolidate my loans into a privately held student loan by Navient XXXX XXXX XXXX ). There was another lawsuit against XXXX XXXX XXXX and Navient, which I did not qualify for because I did not miss any payments. I should not be punished for making on time payments to a school that was shown to have malicious, predatory lending practices. I believe that Navient should refund what was paid. I have XXXX  children and another XXXX, child. Please help.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Getting unauthorized hard credit inquiries deleted from my credit report is the goal of this complaint. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
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 2021-01-14
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. (TX)

XXXX XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Closed. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment {$0.00} Credit Limit {$2000.00} Highest Balance {$2500.00} Terms NA fair credit reporting act violation never late
Consumer complaint received 2020-10-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (NY)

I am writing about a late payment reported on XXXX, XXXX on the following account with JP MORGAN CHASE BANK : Account number : XXXX XXXX XXXX XXXX Opened date : XX/XX/XXXX Credit limit : {$20000.00} I have sent the proper documentation to Chase back onXXXX XXXX, XXXX to the fax XXXX, but I received no acknowledgement of my case. 

The reason why the account was late was because a third-party company was supposed to make the payment, in fact they sent me confirmation of the payment. 
Later, I realized that the account was reported late so I contacted them. They sent me a letter apologizing for the inconvenience, which I have attached for you. Besides that, people in home came down with XXXX, and due to this I was not checking mailed statements. 

I am requesting this late mark to be removed from my report. This was a situation that me, as a customer, could not control. I was not even aware of this. I have an excellent payment history. This did not happen because I didn't have the money to pay or even worse, because I didn't want to do it. 

Please feel free to contact me if you need further documents. I need to solve this issue as soon as possible. 

Thank you
Consumer complaint received 2020-03-11
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. (IL)

Experian is reporting a inaccurate SS # /Birth name on my credit report My name is XXXX XXXX not XXXX  XXXX unless they have proof that this is my name I need it remove.
Consumer complaint received 2021-01-14
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I have received several calls in an attempt to collect old payday loan debt. The caller insists criminal charges will be pressed if I do not pay them.
Consumer complaint received 2021-01-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On XX/XX/2020 I sent a letter regarding inaccurate and incorrect items on my credit report. To this day over 60 days later I have not received a response as of yet. I feel like Im being taken advantage of and being ignored of my disputes. I demand these damaging accounts be deleted immediately. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove any items that are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$4800.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$10000.00} XXXX  XXXX Balance : {$4900.00} XXXX  XXXX Balance : {$10000.00} XXXX  XXXX Balance : {$7300.00} XXXX  XXXX Balance : {$4800.00} XXXX XXXX Balance : {$2100.00} XXXX  XXXX Balance : {$3000.00} XXXX  XXXX Balance : {$4900.00}
Consumer complaint received 2020-03-11
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: Early Warning Services, LLC (FL)

On XX/XX/2020 i went into a XXXX XXXX XXXX branch to find out exactly what happened to the bank account I had with them the front desk person had informed me that my account was being handled by another department due to activity that went on my account so I call the number that she had provided to me and I found out that since my debit card had been lost over the winter break someone had ownership of my account online banking and my debit card they had done wrongfully activities on my account that had lead XXXX XXXX XXXX to close my account and person I was speaking to told me to file a dispute for them to correct the issue and try to help me recover my account and reopen it but when all charges came back to the account they had informed me that they can no longer due business with me and reported to early warning that I committed fraud with my bank account knowing had no acknowledgment on what was going on due them closing my account wasn't able to access my account online due to it being compromised.
Consumer complaint received 2023-01-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (WA)

I had an existing mortgage with Wells Fargo Bank that was sold to them in XXXX or so. In XXXX, while going to school through a re-training program with Washington State Unemployment, I fell behind 5-months in payments. During the next 2-years, Wells Fargo had me complete three ( 3 ) different trial payment plans ; I completed them all successfully. They promised that I would get a loan modification after EACH one ; however, when the last trial plan was completed, Wells Fargo said that if I paid an additional {$7000.00} ( exact figure in my files in attic ), then they would give me the loan modification! The Housing Specialist wouldn't even give me the details of the loan ; she said unless I paid the additional funds, they would move forward with foreclosure. Well, I didn't have the additional {$7000.00} so I had to let them foreclose. 
I complied with them and communicated with them every week for 2-years. They had six ( 6 ) different Housing Specialists that were assigned to my mortgage case over the 2-years. Each time it changed hands, I had to practically start all over again by sending them redundant information. I did comply.

At the time, I felt this was extortion! I completed three trial payment plans where most people only had to complete one! Why was that? Then to be required to pay the additional $ XXXX in order to get information on the loan modification? It was all very stressful and made me physically ill to let the house go that I loved so much. 
I do hope that Wells Fargo gets punished for this awful deed. I know I wasn't the only one this happened to ; they bilked billions of dollars from families like myself. 
Thank you for you help, XXXX XXXX XXXX