davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-15
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Freedom Mortgage Company (WA)

Complainant is the seller of a house under a VA loan and is attempting to sell the house to a buyer via assumption of the existing VA loan ; the buyer is an eligible XXXX XXXX member of the U.S. armed forces. Complainant has repeatedly contacted lender for updated estimates of assumption approval timeline, but lender refuses to respond to complainant despite assumption review time exceeding 105 days as of the date of this complaint. Excessive assumption review time is causing financial detriment to buyer and preventing seller from obtaining new VA loan, and refusal of lender to communicate with seller is causing repeated contract revisions for sale of home with associated financial uncertainty. Complainant and buyer have exemplary credit scores with no known factors causing or suggesting ineligibility for transfer of a VA loan. 

Complainant initially submitted a request for VA loan transfer to lender on XX/XX/year>, completed submission of all requested information to lender by XX/XX/year>, and received confirmation that all required documents were received on XX/XX/year> from lender " XXXX XXXX '' representative. The buyer contacted lender on or around XX/XX/year> to discuss particulars of loan assumption, but no further indication of progress toward approval was given. Complainant contacted the lender via phone on XX/XX/year> to request an update on the status of the loan review and was told that the loan XXXX was still reviewing information, and that the average approval timeline was 90 days from the date of request. Complainant again contacted the lender via phone on XX/XX/year> to request an update on the status of the loan review and was told that a loan XXXX had contacted the buyer on or around XX/XX/year> ( THIS IS NOT A FACTUAL STATEMENT ), and complainant was again told that the loan XXXX was still reviewing information, although approval was expected within XXXX week and a callback should be expected within that timeframe. Complainant contacted the lender via phone on XX/XX/year> after no callback or notification of approval was received, and lender again advised that no update was available ; a request for callback was placed on this date with the lender advising that a callback should be expected within XXXX business days. Complainant contacted lender via phone on XXXX XXXX, XXXX  after no callback was received, and lender again advised that the average approval timeline was within 90 days of the assumption request, and that the callback request had been received. Realty agents for complainant and buyer have been authorized as XXXX parties for access to assumption and loan information, but have also been unable to speak with any member of lender 's " XXXX XXXX '' despite repeated calls to lender. No further contact or updates from lender have been received by complainant, buyer, or the realty agents for complainant or buyer.
Consumer complaint received 2020-02-28
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

I contacted credit acceptance in regards to verifying information on my report and they couldnt. The said we cant talk to you and if you dont pay we will damaged your credit. I was shocked. The amount, lates, dates dont match me credit report. I asked them to remove it they refused. Please remove this inaccurate account from my account its not me. I recently checked and its still there. I have no one to protect me please help
Consumer complaint received 2020-02-28
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: Experian Information Solutions Inc. (TX)

I am a victim of ID theft and I have received letters from consumers that Accounts will be removed from all credit reports, but when I look at my Experian they are still reporting accounts that I was informed my merchant is removed, I have wrote Experian no response I have tried calling Experian I cant ever reach a live agent please have Experian to remove all degrogatory accounts as XXXX and XXXX did ... such as XXXX, XXXX, XXXX, XXXX XXXX and so on
Consumer complaint received 2018-12-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I was involved in a pretty bad scam with Capital One, Im a XXXX year old who works full time and I am living on a dream here. 
I was sent XXXX on XX/XX/XXXX from XXXX XXXX all went without fail and I was able to retrieve the money and everything went smoothly. Then on the XXXX  XXXX sent me a sum of XXXX and gave me proof and information which I could show and prove of the transaction being authorized by said person. 
However, Capital One froze all my accounts and wont let me access the money because of some type of UN-authorized transaction but when I spoke to them they could not and still cant tell me any information on why this might be when I have proof of the instructions givin to me and the prior instructions on the XXXX running smooth and according to plan.
Consumer complaint received 2021-08-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: U.S. BANCORP (MN)

On XX/XX/2017 my wife and I went into the local US Bank in XXXX Minnesota to inquire about a checking account and which overdrafts are not an issue the banker came back with a contract that stated if I were ever in the negative at the end of any given month that negative balance will be added on to the back end of my student loan I have with US Bank so one month when I was in a - {$210.00} instead of putting it in the back end of my long like was in the contract they started charging me fees late fees charges whatever they do overdraft charges even though it was specifically in the contract and what the banker told us that that wouldnt happen so I want them to be held responsible for breach of contract and shady business practices and for falsely reporting on my credit report. I do have a witness my wife was next to me during the entire meeting and will testify as to what Im saying is true this is exactly why I dont use big banks because they are scammers who lie and breach contracts with no repercussions because I am poor and XXXX I am not able to file any Sort of litigation to resolve this matter so Im asking you for your help please
Consumer complaint received 2020-02-28
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: CREDIT ACCEPTANCE CORPORATION (TX)

I have unauthorized inquiries on my credit report that I did not do, I wrote all 3 credit bureaus they requested me to contact consumer the consumer state they can not locate a Credit inquiry from me and want asst with removal.
Consumer complaint received 2020-02-28
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: DISCOVER BANK (TX)

I have unauthorized inquiries on my credit report that I did not do, I wrote all 3 credit bureaus they requested me to contact consumer the consumer state they can not locate a Credit inquiry from me and want asst with removal.
Consumer complaint received 2021-08-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates (MD)

L.J Ross Associates so a few months this company have been harassing me making phone calls to me {$6300.00} the collection have been reported past due. I donot know this company this company do not have a contract with me or anything I signed with them. I have never done business with this company,.
Consumer complaint received 2023-11-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2020-02-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Frost-Arnett Company (CA)

Upon visit to XXXX XXXX on a Saturday, I attempted to pay in-person at the time of service. Because it was a Saturday, and they could not contact my health insurance to verify my {$50.00} copay amount, they would not let me pay in person at my visit the day of service. Several months later, on XX/XX/20, I received a collection notice saying this {$50.00} bill was placed with a collection agency. THIS WAS THE FIRST TIME I HAD EVER SEEN THIS BILL IN THE MAIL AT ALL! When I called XXXX XXXX ( XXXX ) at XXXX on XX/XX/20, to let them know they never sent me a bill at all ( until I received this collection notice ), they said they had sent me the bill three times before the collection agency had sent me this letter. They had my correct address but they had my incorrect phone number. I am an XXXX XXXX XXXX for XXXX Unified School District and I XXXX  MY STUDENTS TO PAY THEIR DEBTS ON TIME. I have never paid a bill late before so for me to receive a collection notice ( which will negatively affect my credit ) is devastating to me. Immediately after I received this collection notice, I paid the bill as soon as possible on XX/XX/20 ( as I always do when I receive any bill ). I don't know if someone had tampered with my mail, but this is not my fault and should not negatively affect my credit in any way since I had no control over paying this bill on time. Please let me know how we can erase this from my credit score and why I never received a bill in the mail before it went to a collection agency. 
Thank you very much. 
XXXX XXXX XXXX
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

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 Balance : {$69.00} XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX  ( Original Creditor : XXXX  ) XXXX Balance : {$1500.00}
Consumer complaint received 2020-02-28
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: Clarity Services (TX)

I have unauthorized inquiries on my credit report that I did not do, I wrote all 3 credit bureaus they requested me to contact consumer the consumer state they can not locate a Credit inquiry from me and want asst with removal.
Consumer complaint received 2020-02-28
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: AMERICAN EXPRESS COMPANY (TX)

I have unauthorized inquiries on my credit report that I did not do, I wrote all 3 credit bureaus they requested me to contact consumer the consumer state they can not locate a Credit inquiry from me and want asst with removal.
Consumer complaint received 2020-02-28
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: STATE FARM BANK, FSB (NY)

I purchased a car from a used car dealership VIN # XXXX XXXX XXXX XXXX in XXXX NY on XX/XX/19. I paid {$7000.00} cash, {$3200.00} trade in and financed {$25000.00} through state farm bank. 
I reviewed all state farm bank paperwork for the financing. In XX/XX/2019 I received the car title in the mail shows " two liens listed '' State Farm Bank and XXXX  XXXX XXXX. I contacted the dealership several times and was told to check with the DMV for them to update. I contacted the other lien holder on the title and was told they can not release any information. I contacted state farm and they asked me to send in the title and then it was returned back to me. 
All my loan documents show that state farm must be listed as the sole lien holder on the title. I'm not sure how this happened and what to do to get this resolved. I have tried XXXX, district attorney, the dealership, etc. I need my title to show state farm bank is the only lien holder.
Consumer complaint received 2023-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (WA)

I got a PayPal credit card with a limit of {$700.00} and paid my payments on time. Then when I paid my last payment I paid the balance almost all the way off. They then took my credit away and are holding my payment for 13 days. They gave me XXXX notification why, seems completely wrong. 

Thank you
Consumer complaint received 2023-11-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance XXXX : {$280.00} XXXX XXXX Balance Owed : {$280.00} XXXX XXXX Balance Owed : {$280.00}
Consumer complaint received 2020-02-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: GOLDMAN SACHS BANK USA (MD)

I made a purchase using my apple card connected to my cell phone, the company who charged me {$3000.00} for their service mislead me and would not refund me, so goldmen sachs who is now connected with apple cards has sided with the merchant without considering my side of the transaction.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS (OK)

On XX/XX/2024, I requested a security freeze online. There is NOT one. According to the law, once a request is received online or by secure electronic means, the consumer reporting agency shall honor the request one business day after the request. 

I provided all documentation to the agency.
Consumer complaint received 2019-12-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EarnUp Inc. (NV)

I have been using XXXX XXXX now called Earnup to pay my mortgage at a faster rate. I have never had any issues with Earnup until my mortgage company was change on XX/XX/2019. Although I paid my mortgage payments to Earnup for XXXX and XXXX, my new mortgage company, XXXX XXXX  failed to receive the payments. It appears that the payments went to the old mortgage company but the problem has not been resolved. 

I have spoken to Earnup on several occasions regarding the situation and was told payments were made and went to the old mortgage company. I had requested on several occasions documentation from Earnup of the payment so I can show my mortgage company that the mortgage was in fact paid. I was promised that the information would be emailed to me. I have not received the needed documents and as a result I am two months behind on my mortgage payments and my mortgage company, PHH mortgage has filed a negative credit report. 



I believe that my mortgage payments made to Earnup were not used illegally and they in fact forwarded the monies to my mortgage company. Their failure to provide me with the documentation I needed has resulted in me receiving a negative credit report and late fees. I had explained the situation of needing this documentation immediately and on XX/XX/2019 was promised this documentation would be emailed to me in two days. I did not get this documentation. 

After being told by XXXX XXXX  that I am now out of the grace period ( 60 days when mortgage companies are changed ) and they have started legal action against me, on XX/XX/2019 I called Earnup. I spoke to a supervisor and was told they now will put a priority on my request but it will take at least 5 days to get the documentation. On previous calls to Earnup I had explained the importance of the situation to get the documentation and was reassured that I would get this documentation. 

I can not be compensated for the number of hours I have put into resolving this issue as well as the emotional toll this matter has taken on me. Had the needed documentation been given to me at my first request I would not be in a situation of being behind on my mortgage payment and receiving negative consequences as a result. I am having to make a formal complaint as I can no longer trust that Earnup will provide what is needed to rectify this situation.
Consumer complaint received 2020-02-28
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: VEROS CREDIT, LLC. (TX)

I have unauthorized inquiries on my credit report that I did not do, I wrote all 3 credit bureaus they requested me to contact consumer the consumer state they can not locate a Credit inquiry from me and want asst with removal.
Consumer complaint received 2020-02-28
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5000.00}, {$32000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

-- CLOSED ACCOUNT -- 2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$32000.00} -This is not my account.
Consumer complaint received 2021-08-30
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. (PA)

I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that XXXX  this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again
Consumer complaint received 2021-08-30
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. (FL)

I am a victim identity theft and I found some unauthorized inquiries reporting on my credit report and I requested that the bureau 's remove them from my credit report on XX/XX/2021 and they failed to remove all of the unauthorized inquiries from my credit report. 

I have requested that they remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX and they are still reporting on my credit report. 

Please see the attached identity theft affidavit.