davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (WI)

LoanDepot has held my money in escrow account. They claim to have submitted {$4500.00} to the tax authority on XX/XX/XXXX, but the tax office has NOT received it as of XX/XX/XXXX. I have contacted LoanDepot over 25 times and no one knows where the money is. I just get the runaround every time I call.
Consumer complaint received 2020-01-10
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. (NY)

I am filing this complaint because XXXX, XXXX and Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these account, under section 611 ( 5 ) ( A ) of the FCRA - 'they are required to promptly delete all information which can not be verified '' That i have disputed. Please resolve this issue immediately.
Consumer complaint received 2020-01-03
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NM)

I am sitting in a Hotel in XXXX New Mexico with my husband and dog after traveling XXXX miles from my home in XXXX. 
I have sold my home in XXXX to a very nice, well qualified buyer. 
I have a contract to purchase a home here in XXXX with a closing scheduled for XX/XX/2020. 

The Bank of America is the lending institution my buyer of my XXXX property is using. The Bank of America in XXXX has failed miserably to complete their obligations to us, our title company the buyers title company, my realtor, myself and the party I am purchasing my new home from. 

The title company in XXXX said that it is " unprecedented '' that a bank would not fulfill it's obligations at the scheduled time of closing. ( Which was already delayed due to the banks employee/ agent taking a vacation in the middle of this important XXXX  XXXX dollar transaction. ( the most important and largest transaction in my life. ) Promises to clear to close continue to be made, extra copies of documents are requested and then requested again. Closing gets delayed, the agent is unprofessional and clueless. His boss ( supervisor ) Does not return calls and does not offer even his last name to the buyer. I need help! I am hold up in a hotel in New Mexico!!!!!!
Consumer complaint received 2020-01-10
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I requested validation of Capital One account by requesting a balance and a signed contract or application making me liable for said account as allowed by the FCRA. 
Capital One failed to validate account with a signed agreement or application and continued reporting the account on all 3 credit bureaus. 
Capital One sent a letter dated XX/XX/2019 further stating that they could not send me a copy of application because they did not have a copy. 
They continued by apologizing for the inconvenience but yet continued to report the account to credit reporting agencies despite my request for the deletion of this account.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

MY SIGNATURE & ADDRESS DOESN'T MATCH WITH ANY OF THESE CREDITORS THAT'S REPORTING ON MY CREDIT REPORT. I NEED PROOF OF MY SIGNATURE, NAME & ADDRESS TO CONFIRM THE VALIDITY OF THESE TRANSACTION/S.
Consumer complaint received 2020-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Mobiloans, LLC (CA)

this creditor put charge off on my credit after this was included in my bankruptcy and I complaint with your company and they never responded to your office regarding my complaint I want this removed from my report thank you
Consumer complaint received 2020-01-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TX)

On XX/XX/2019 I was approved for an income based repayment plan. The amount of my loans continue to rise as if theres no activity on my loans although the repayment plan is in place. The amount also fluctuate by the thousands monthly according to my credit reports.
Consumer complaint received 2020-01-10
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. (CA)

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX REPORT THE LATE ON MY ACCOUNT WHICH NEVER BEEN LATE
Consumer complaint received 2022-12-13
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: NAVY FEDERAL CREDIT UNION (AR)

I had my identity stolen and submitted the police report to XXXX to have the following accounts removed because they do not belong to me : All Navy FCU accounts that have balances of {$9100.00}, {$9000.00} and {$6300.00} on my credit report ( there are XXXX ) Also I ask that all Navy FCU hard inquiries dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and another on XX/XX/XXXX I did not authorize these inquires nor did I apply for any of these accounts.
Consumer complaint received 2020-01-03
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT. I HAVE NO KNOWLEDGE OF THESE INQUIRIES AND I ALSO HAVE NO IDEA HOW THEY GOT ON MY CREDIT. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2020-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

I have a major identity theft case I have filled a police report identity theft report and have hired a lawyer I havent gotten any help after disputing the item several times there are still inaccuracies reporting on my credit report XXXX XXXX XXXX  XXXX  XXXX  opened XX/XX/XXXX fraud balance XXXX $ Account number : XXXX name on account : XXXX XXXX XXXX dob : XX/XX/XXXX this has affected my family in so many ways I just want justice for the person that did this deserves to be stopped and help accountable.
Consumer complaint received 2024-02-23
Product: Credit reporting 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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-01-03
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)

I already reached out to Equifax and to XXXX XXXX, and XXXX XXXX XXXX XXXX and notify them of their error posting of information on my report. I was never late on these accounts. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations still persist on my credit report.
Consumer complaint received 2020-01-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (VA)

For almost a month I have been locked out of my account with my vanilla card not able to access any funds and they will not release yhe hold on my card. I have sent in verification and they say its not valid even though it shows name, address, amount owed on bill, and the date. Everything they said I needed to show. I want my money
Consumer complaint received 2024-06-05
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: EQUIFAX, INC. (IL)

My account with XXXX  XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 
This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 
I demand the late payment reported in XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX to be removed. 
They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 
15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 
I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 
This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Identity theft report # XXXX lists the following fraudulent accounts I found on my Experian consumer report : XXXX XXXX  acc # XXXX, XXXX XXXX XXXX acc # XXXX.
Consumer complaint received 2022-12-13
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. (FL)

I am complaining about all the negative items on my credit report per15 U.S. Code 1681 : ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2020-01-10
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. (NY)

I am filing this complaint because Experian, XXXX and XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these account, under section 611 ( 5 ) ( A ) of the FCRA - 'they are required to promptly delete all information which can not be verified '' That i have disputed. Please resolve this issue immediately.
Consumer complaint received 2023-09-10
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: Resurgent Capital Services L.P. (PA)

I sent a letter to the three credit reporting bureaus to investigate 5 accounts on my credit report that are in collections and that they verify my debt belongs to me with the original contract that I signed with the original creditor and none of them did so within 45 days. I asked that they all be removed from my report if verification with my signature wasnt provided during the timeframe and nothing was deleted. All that happened was the restarted the timeframe to the current date and began trying to collect on the debt. So now I am in a worse place since the timeframe has restarted. I never received letters verifying this debt from a single one of these collection agencies nor have I ever been given an opportunity to dispute that the debt wasnt mine. I never spoke with any one on the phone or in person. I feel as though this has all gone against fair debt collecting rules and I would like them to be deleted from my report completely.
Consumer complaint received 2020-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (PA)

made repeated attempts to unfreeze credit with Equifax. Kept getting told system was down and to call another number. none of the numbers worked. nobody would help and kept telling me system was down and to call back in 30 minutes. still got the same answer. this happened XX/XX/2020.
Consumer complaint received 2022-02-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (NY)

To Whom It may Concern, I started the process of refinancing my home in XXXX Ny with the XXXX XXXX Bank, nearly one year ago! 
Every month because of one thing or another it was delayed. 
I finally have gotten them al the documents they can possibly need. 
The last thing i did was send in paperwork to clear up a forbearance issue. 
The truth is i was making payments for months but for some reason they didnt register everything correctly. 
The Mortgage service company, Dovenmule, received my payment and signed paperwork on the XXXX of XXXX and said theres up to a 2 week wait period. 
It is now 60 days later and they still didnt clear it up. In the mean time mortgage rates are rising and i am suffering as a result. I have bills to pay and am unable to do so as a result of this refinance taking so long. 
If there is any way you guys can help id really appreciate it. 
Thank you, XXXX XXXX
Consumer complaint received 2022-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In XXXX  I was forced to file bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. The XXXX filed for a XXXX XXXX XXXX bankruptcy. Then for some reason, my attorney filed for me personally as well. He did this by mistake because he did not have to do this. The trustee, dismissed this and advised me that i only needed to file for the business, not personal. So i should not have a personal bankruptcy on my credit reports through the 3 bureaus. Only XXXX XXXX XXXX XXXX XXXX should have the bankruptcy filed.
Consumer complaint received 2020-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

In XX/XX/XXXX, I filed for Chapter XXXX bankruptcy and one of my debtors was Chase bank with who I had a credit card. After filing bankruptcy, Chase processed an automatic payment of {$500.00} from my checking account. Prior to my bankruptcy, I purchased concert tickets through XXXX on my Chase card totaling {$460.00}. On XX/XX/XXXX, I received a letter from Chase informing me that they were going to refund my {$500.00} payment as they can not accept payment after I filed bankruptcy. Also, the concert I purchased tickets for was canceled so {$460.00} was refunded to my closed Chase credit card on XX/XX/XXXX. I still have not received the refunded payment or the concert ticket refund. I have contacted Chase customer service multiple times and was informed that the check was in the mail. In XX/XX/XXXX, I visited the Chase branch at XXXX XXXX XXXX in XXXX XXXX, CA where I spoke with a personal banker. He contacted Chase customer service to find out what was going on, but he was unsuccessful. The customer service agent said she would contact me within 24 hours with an answer. I never received a return phone call. In the fall of XXXX, I visited the Chase branch at XXXX XXXX XXXX in XXXX, CA. I spoke with one of the bankers about my situation and she took copies of the paperwork I had regarding this issue. She contacted me a week later letting me know she was still working on it, but I have not received any further communication. It is now nearly a year since I received the letter from Chase, but I still havent received the payment or ticket refund. I will attach the email string from XXXX showing that the refund to my Chase card was successful as well as the original letter from Chase telling me about my payment refund.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MA)

Since XX/XX/XXXX, I have trying to get all three credit reporting bureaus, XXXX, XXXX, and Experian to add my XXXX XXXX account from XXXX account # ending in XXXX to my credit. Ive had this account for 7 years it still active and it has not been added to ANY of the accounts. 
XX/XX/XXXX called XXXX gave them my social again to report to all three Bureaus and they sent it over several times and XXXX nor XXXX nor Experian added my account. 
XX/XX/XXXX called spoke with XXXX credit bureau specialist unit at XXXX they will send credit report and gets on credit report 5 business days after but it was never added XX/XX/XXXX called XXXX added a consumer statement to add XXXX stated it is my account confirmation # XXXX I added a consumer statement on XXXX confirmation # XXXX XX/XX/XXXX again For same reason with XXXX account ending XXXX XX/XX/XXXX credit Bureau XXXX XXXX XXXX with XXXX They reported it on the XX/XX/XXXX. She re-reported today XX/XX/XXXX as an Intercycle Update sending over what data is today as of XXXX XXXX  XX/XX/XXXX It should take 3-5 business days Friday/Monday of Next week to be added to Reporting Agencies XXXX XXXX and Experian It was NEVER added Call all three Bureaus Again to make sure there is a consumer note XX/XX/XXXX called Experian sent a consumer note called XXXX department priority escalations added Consumer Statement. Called XXXX updated consumer statement confirmation number # XXXX XXXX to follow up with statement to add these to my Credit it was never added to any of my cresit accounts. 

XXXX account ending # XXXX is my credit card account and it is active and it SHOULD be on my credit on Experian, XXXX and XXXX and it is NOT
Consumer complaint received 2020-01-10
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NV)

My mortgage servicer was XXXX XXXX XXXX. On XXXX XXXX my new servicer became Mr. Cooper while in the middle of a refinance through XXXX XXXX XXXX XXXX. Mr. Cooper included the chase escrow amount plus principal balance in the new principal balance held by Mr. Cooper. Additionally Mr. Cooper included a {$25.00} charge for estimated payoff 7 days of interest as well as recording cost in my new principal balance that was refinanced by XXXX XXXX. Essentially Mr. Cooper increased the amount of principal debt and charged XXXX XXXX more for a loan in payoff. Is this legal? Why am I suffering for someone that wanted to buy my loan for free at my expense?