davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (CA)

I called mortgage company Loan Depot on XX/XX/2021 and spoke with licensed lending officer, XXXX XXXX ( XXXX # XXXX ). After speaking with XXXX I decided to complete an application over the phone with XXXX for a refinance of my current FHA loan to a conventional home loan. As part of the process XXXX informed me that a {$490.00} appraisal fee would be needed to appraise my home. I agreed and provided XXXX with my credit card information. My credit card was charged {$490.00} on XX/XX/XXXX and posted to my credit card on XX/XX/XXXX. The week of XX/XX/XXXX XXXX informed me that the appraisal fee would be higher and I would have to pay an extra {$210.00}. I informed XXXX that I did not agree with that because XXXX already informed the fee would be {$490.00} and my credit card was already charged {$490.00}. Please also note, I did not receive anything in writing about the cost of the appraisal fee, only information I received was verbal through XXXX. I informed XXXX that it was unfair, bad business practice and unethical to ask for more money especially since I had already been charged what XXXX quoted me, {$490.00}. I informed XXXX I would not continue with the loan application if I have to pay more money for the appraisal fee. XXXX stated they would reach out to their XXXX to see what could be done. On XX/XX/XXXX XXXX called me and stated I would have to pay the extra {$210.00} and it could be rolled up into my new loan. I told XXXX that I did not accept that and it is still unfair and not my fault. I informed XXXX that I no longer wanted to proceed with the loan. XXXX informed me to send an email stating I wanted to cancel and I would receive my refund in XXXX days. I followed up with XXXX on Monday, XX/XX/XXXX regarding my refund and XXXX informed me to " contact the appraisal coordinator ''. XXXX did not provide me a name or phone number of the appraisal coordinator. I then asked, " Who is that? '' XXXX then stated " Reaching out to my XXXX now! Help expedite this ''. I reached out to another contact that was on my application, XXXX XXXX, and XXXX stated they would escalate. XXXX also provided me a phone number to customer care and sent an email to customer care, today, XX/XX/XXXX. I also called customer care, today, XX/XX/XXXX and spoke with representative XXXX. XXXX informed me that my cancellation was received on XX/XX/XXXX ( 3 days after I emailed XXXX to cancel ). XXXX informed me that it takes 15 business days to get a refund and there is a process and nothing further they could do.
Consumer complaint received 2021-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANCO POPULAR DE PUERTO RICO (TX)

An annual fee of {$140.00} was charged on this credit card by Banco Popular de Puerto Rico on XX/XX/2021. I cancelled this card on XX/XX/2021 which is only 2 weeks after annual fee posted. I called the bank for the refund of the annual fee, but the customer service declinded to refund my annual fee. They claim they can't do that once annual fee posted. The fees were paid in full by auto payment and I would like to get annual fee back.
Consumer complaint received 2021-08-11
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Upstart Holdings, Inc. (CA)

Well i called theyboffered me XXXX, and said i coukdget that and i would just have to pay {$80.00} as insurance a payment up front in case i miss one, in need i sent it, then i did not recieve anything called the next day tthey said fdc has a hold on it paened my items to pay for XXXX was sent nothing the next day i called asked for my money back they clamed to send it back to me but havent received anything and now they dont answer my call XXXX Name is claimed to be XXXX XXXX with upstart
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

In accordance with the fair credit reporting act, the list of accounts below has violated my federal protection, consumer rights to privacy and confidentiality under 15 U>S.C. 1681 convergent account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX15 U.S.C.1681 Section 602A States i have the right to Privacy,15 U.S.C.1681 604 A Section 2 : : a consumer reporting agency can not furnish a account my written instuctions,15 U.S.C. 1681c. { A } { 5 } States no consume reporting agency make any consumer report containing the following items of information Any other Adverse item of inform.other than record of conviction crimes which antedates the report XXXX yrs. Also 15 U.S.C.1681S-2 { A } { 1 }
Consumer complaint received 2021-08-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VT)

On XX/XX/XXXX, 2 days before the end of my grace period, I called Bank of America Home Loans to make a payment over the phone. In speaking with the representative, I asked what I had to pay to make my account current. He said {$1700.00} was due. I promptly made a payment and made arrangements to make another payment for {$1700.00} in two weeks, when I got paid. 

The representative promptly thanked me for my payment and that was it. Or so I thought. What he didn't tell me was that there was a late charge which BofA had assessed on my account that was not paid with the amount that he told me was due. For this reason, my payment was made on time, but the {$50.00} late fee was not. Although I made my payment on time, they are reporting that my payment was over 30 days late. In fact only the late charge was what was over 30 days late. This is materially inaccurate information. 

Additionally I would have expected the representative taking my payment to better explain what was due, and how I could pay it. I have no late payments over the entire course of this loan since 2010. The company will not work with me.
Consumer complaint received 2021-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Security Credit Services, LLC (IL)

I initated a dispute with the major credit bureaus as I have no knowledge of this account or collection the three credit bureau assured me that this information is valid and true regard Security Credit Services ( Debt Collector ) I then requested validation of the said debt via certified mail on XX/XX/2021 when the letter was sent to the address listed on my credit bureaus the mail was returned with no forwarding address confused I reached back out to the Credit Bureaus ( XXXX, XXXX, XXXX  ) to dispute the incorrect information being reported with proof the the returned mail from said debt collector 's invalid address that was still being reported on my credit report to my surprise on XX/XX/2021 the credit bureaus stated the information was correct and followed FCRA regulations I have attached the copy of the returned mail along with receipt along with receipt of the certified letter that was issued on XX/XX/2021 2021
Consumer complaint received 2021-08-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio (PA)

The particular VANCEHUFFMAN account recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX and XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file.
Consumer complaint received 2021-08-26
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: EQUIFAX, INC. (NJ)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-07-29
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. (GA)

This is my second complaint with the CFPB regarding the inaccurate information on my credit reports. I sent a request to investigate inaccurate accounts on my credit report on XX/XX/XXXX. It's been 45 day plus since I sent my inquiry, its now XX/XX/XXXX and I have not received a response nor have it been resolved with the credit bureaus or the CFPB. I want to finance a home but the inaccurate, erroneous information on my credit report is stopping me from achieving that dream. My first complaint with the CFPB was closed because the credit bureaus is not taking my complaint seriously. My next step will be filling a lawsuit, if this isnt resolved immediately!
Consumer complaint received 2021-08-26
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CMG MORTGAGE, INC (VA)

I am rated 100 % Permanent and Totally XXXX by the Dept of Veterans Affairs. I submitted my letter to the city in which I own property and received a letter back stating that I am 100 % exempt from paying property taxes according to VA statute. I have submitted this documentation to my mortgage servicer ( CMG Mortgage ) XXXX separate times, called them XXXX  times, and interacted via message online XXXX different times. They refuse to adjust my escrow and taxes telling me I am not eligible for an exemption. When I asked to speak to the tax dept they told me they dont have a phone line. On XXXX occasion I even conferenced in the city treasurers office and they verified over the phone with me and CMG that I was not responsible to pay any property taxes and that any I have paid thus far should be refunded to me from escrow. They still say I do not qualify. I need assistance getting this rectified and what they are doing is completely wrong!
Consumer complaint received 2021-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

On XX/XX/XXXX, XXXX, XX/XX/XXXX, & XX/XX/XXXX of XXXX I have sent out XXXX rounds of dispute letters to the XXXX credits bureaus in efforts to dispute inaccuracies on my credit profile in addition to the creditors. The debt keeps coming back as verified with absolutely no proof sent to me. The credit card company are sending statements in efforts to convince me that the debt is mine. I have asked for fraud affidavit, etc. I completed the fraud affidavit as requested and still the issue has not being resolved. The company continues to ignore my request for proof to validate the the debt belongs to me XXXX contract, promise to pay, etc. ) I've requested several investigation however, the issue still persist. Also, the company is taking longer than 30 days to reply to my request. The debt is causing harm to my credit profile and score. I can not get certain jobs or apply for certain lines of credit due to this issue. In addition to this, I have stated numerous times to the company that this is not my debt, I have never owned a credit card with this firm. This account was opened without my permission and I have no information on who, what, when, and where this account was opened. The company refuse to help! I need help.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, and questionable items that your agency didn't make sure it was reporting 100 % accurate. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S Code 16811e ( b ) and 15 U.S Code 1681i ( 5 ) these accounts are in violation of not reporting 100 percent accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 percent accurate under 15 U.S.C 5 USC 1681b is a section of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, use, and dissemination of consumer credit information by credit reporting agencies. Section 15 USC 1681b specifically addresses the permissible purposes for which consumer credit reports can be accessed and used by third parties.

Under 15 USC 1681b, credit reporting agencies are only allowed to furnish consumer credit reports You are in violation of the FCRA and can result in legal action if this is not removed.
Consumer complaint received 2024-02-06
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. (FL)

Ive contacted XXXX, XXXX XXXX Equifax by mail requesting my credit report and detailed information from my credit report due to me having identity theft previously. I sent them mail on three different occasions XXXX XXXX XXXX XXXX XXXX. They all responded and said they will take no action because its not me. Ive attached my Drivers Licenses & Proof of Address with letters. 

I called XXXX today XXXX XXXX XXXX  EST, and spoke with Representative XXXX and she told me she gets this call a lot and an automated systems reads letters and decides no real person reads letters. She had to escalate my issue. I was escalated to Supervisor XXXX who states I can request information by mail that I can do it over the phone and he said TAKE IT OR LEAVE IT. I told him FCRA states I can request my information and I want it sent my mail I dont want to dispute over the phone due to fraud previously. He said I cant get it and thats the law.
Consumer complaint received 2021-08-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Sunset Solutions Group, LLC (NJ)

I received several phone threats from Ms. XXXX in XXXX, but I told her to do what she needed to do in the courts. On XX/XX/XXXX she called from a XXXX number ( XXXX ) XXXX ext. XXXX stating she was with Sunset Solutions Group demanding to file a judgment against me and deduct money from my payroll if I didn't make payment arrangements. At this point, I agreed to pay a one time payment of {$200.00} and $ XXXX  monthly until paid off. I received a XXXX via email from XXXX the Accountant and a settlement document as well. I signed the document even though it was against my better judgment and they withdrew one payment from my account. However, during the month I spoke to my bank rep and they said it sound fraudulent and banks do not make phone calls, they send out letters in the mail. So, I had my bank to issue me a new debit card. The next month I received another call from Ms. XXXX requesting the money, but I refused to pay. Another rep by the name of XXXX XXXX, Creditor Supervisor called on XX/XX/XXXX saying Sunset Solutions Group had purchased the account from XXXX XXXX  XXXX XXXX and Mr. XXXX reduced the intended amount of {$1300.00} to {$600.00}, however, I refused him as well. 

After I spoke to Mr. XXXX I called XXXX XXXX  XXXX XXXX ( XXXX XXXX XXXX ) and they didn't have a Lein Department. I researched Sunset Solutions Group to find out that the business is unclaimed and anyone could claim this business for free. 
Also, there is a New York phone number ( XXXX ) XXXX for Sunset Solutions, CEO XXXX XXXX, but I can never reach anyone. I was just introduced to this site by XXXX XXXX to file a dispute so this is why it is now XX/XX/XXXX.
Consumer complaint received 2021-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (WI)

I the consumer XXXX XXXX, have unauthorized inquiries present on my consumer report that originated from identity theft. 15 usc 1681 ( c ) -2 states that consumer reporting agencies related to identity theft. Unauthorized inquiries include XXXX XX/XX/21 XXXX/XXXX XX/XX/21 XXXX XXXX XX/XX/XXXX XXXX  XX/XX/21 XXXX XXXX XXXX  XX/XX/21 XXXX  XXXX XX/XX/21
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (WY)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or correct them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. And it has been 41 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or will file for litigation due to high stress from this horrible experience, this isn't right! My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-08-26
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: CITIBANK, N.A. (NJ)

I have been a victim of identity theft and fraud! I have contacted XXXX 4 different times. 

By law these inquires should be removed immediately. I have never applied for any accounts from these companies listed below. I have contacted all parties including my local police department, the companies stated below, filed a Identity theft report, copy of license is included and a copy of my social security card is here. 

This has been a inconvenience for me and I expect to have this process expedited immediately and these fraudulent and inaccurate accounts blocked and deleted immediately. 

Fraudulent inquires dates include : CBNA XX/XX/2020 CBNA XX/XX/2020 XX/XX/2020
Consumer complaint received 2021-08-11
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 (TX)

I have capital one credit card. At the beginning of the pandemic I was laid off from my job and became homeless and lost my phone. During this time I fell behind on my credit card payments. I eventually regained my phone and a place to live. I spoke with capital one over the phone and explained my situation and what happened due to the pandemic. They explained what they could do with extending payments and forbearance and so forth. The agent advised me that if I could come up with a minimum payment of {$25.00} that capital one would remove the late payments from my credit report. I paid the money, however they have reneged on the agreement. I spoke with an agent yesterday and he expressed concern but said he couldn't do anything. He suggested I contact you guys. 

I wa a victim of circumstance during pandemic, I caught up the payments and haven't fell behind since. This isn't right, they lied to me and are impacting my credit score greatly. I am unable to buy home due to this. Please make them make it right. Please.