davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-30
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. (AL)

I Went to To Car Dealership, They Told Me They Would Run Credit Once and It Was Ran Several Times. 

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
Consumer complaint received 2020-08-10
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

Denied Energy Efficiency MortgageXXXX told that is a cash out loan. Lakeview and XXXX stayed that it is a cash out loan and that is not authorized under VA IRRRL. Need to have done and rectified. They are lying about who denied me and who the underwriter is.
Consumer complaint received 2020-06-17
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 (IL)

I have a closed auto loan with Capital One Auto Finance. This account was opened XX/XX/XXXX and is now closed. Per the fair credit reporting act, a closed account can only be listed on your credit for 10 years if it is a positive account. A negative account would only be listed for 7 years beginning with the first default and/or late payment on the account. My first late payment per my records and capital one is XX/XX/XXXX and the vehicle was repossed in XXXX. Therefore, this account should have been removed in XX/XX/XXXX. I have asked Capital One Auto Finance on 2 separate occasions in writing, disputed with the credit bureaus twice, and have escalated this to the President 's Office in Capital One. I was told they recognize the first late payment as the first time a payment was missed but another payment never occurred after. They are viewing my first late payment in XX/XX/XXXX, this was the last payment I made on the account and the day I requested a voluntary repossession due to the high payments. I simply wish for this to be removed from all reporting bureaus per my right under the Fair Credit Reporting Act.
Consumer complaint received 2022-10-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (FL)

Good afternoon, XXXX I transferred funds in the amount of XXXX XXXX dollars for registration of ownership in the XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  for object XXXX in XXXX  XXXX XXXX from XXXX XXXX ( buyer ). The transfer was carried out through the XXXX XXXX XXXX XXXX XXXX XXXX ). The transfer was made to XXXX XXXX XXXX account ( XXXX XXXX  XXXX ) XXXX. 
Due to the sanctions imposed on XXXX XXXX the money did not reach the recipient and hung in the correspondent bank. 
JPMORGAN CHASE BANK , N.A . 
XXXX XXXX Please confirm that the money is in your correspondent account. 
I need confirmation to unlock the funds. 
I need to return this money to my account in another bank or credit it to the recipient 's account. 


Payment Details Date of receipt..... : XXXX XXXX XXXX XXXX ID of the receipt...... : XXXX Payment document ID : XXXX XXXX.......... : XXXX Type of service...... : 1 Date/time comp.and shift : XXXX The compiler 's XXXX.... : XXXX JPMORGAN CHASE BANK , N.A . Status code...... : XXXX Payment pending The reason code...... : XXXX Funds can not be credited The currency of the payment amount.. : XXXX  XXXX DOLLAR The amount of the payment..... : XXXX XXXX XXXX currency..... : The conversion rate.... : XXXX : Message reference. : XXXX XXXX : Reference link.message. : XXXX
Consumer complaint received 2020-08-10
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MS)

In XX/XX/2020, I filed a dispute with XXXX, Equifax and XXXX   credit bureaus about the unverified account : XXXX XXXX CT XXXX XXXX Reference Number XXXX. In over 45 days I have yet to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 45 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about this unverified account as of today XX/XX/2020. 
Thank you
Consumer complaint received 2022-05-15
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. (TX)

I disputed a few items that I had in my collections and I saw several inaccuracies. So I sent the credit bureaus letters for them to delete the incorrect information from my credit report. They opened an investigation and determined that everything is accurate and they changed the last date of activity to a further date which extends the statute of limitation time clock. So now I'm even worse off than before and I've been attempting to dispute for this same reason, but they open the investigation and continue to do the same thing. To the point that I literally had nowhere to turn.
Consumer complaint received 2023-01-06
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. (CO)

I have a Bankruptcy report on my credit report. These Bankruptcy report is NOT MINE. I'm reaching out for assistance to REMOVE these Bankruptcy report from my credit report immediately.
Consumer complaint received 2020-08-10
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

In XX/XX/2020, I filed a dispute with XXXX XXXX and Transunion credit bureaus about the unverified account : XXXX XXXX CT XXXX XXXX Reference Number XXXX. In over 45 days I have yet to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 45 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about this unverified account as of today XX/XX/2020. 
Thank you
Consumer complaint received 2020-06-17
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. (AR)

I was informed by my credit lender that I was not approved for a personal loan I was needing because of derogatory items on my credit history. I then decided to pull my credit and I noticed several unXXXX  XXXX items. Please remove these fraudulent accounts from my report. Thank you.XXXX  XXXX {$1700.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$18000.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX PB XXXX {$670.00} XXXX XXXX XXXX {$130.00}
Consumer complaint received 2020-08-10
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MS)

In XX/XX/2020, I filed a dispute with Experian, XXXX and XXXX   credit bureaus about the unverified account : US BKPT CT XXXX XXXX Reference Number XXXX. In over 45 days I have yet to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 45 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about this unverified account as of today XX/XX/2020. 
Thank you
Consumer complaint received 2020-06-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (FL)

Pnc has made a change that prevents me from being able to link my financial accounts. I need to link my checking account with my XXXX account so that I can add funds. I have called the bank and they state it will not connect because XXXX uses a service provider called XXXX. 
Thank you
Consumer complaint received 2020-08-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Angel Oak Home Loans LLC (MI)

Respected Sir/Madam, I have started refinancing 2 loans that I had on commercial properties in XXXX in XXXX this year. I started the loan process with Angel Oak Home Loans. The agent involved was XXXX XXXX ( NMLS # XXXX # XXXX ). Offered an interest rate of 3.325 and quick closing. Each of the properties are currently valued at {$360000.00} each and are carrying a loan amount of {$280000.00} each. They initially offered to close the loan with costs around {$9000.00} each. They made me pay {$2100.00} in appraisal costs out of pocket. The appraisals ( through a company that angel oak recommended appraisaltek ) were never sent to me. In XXXX ( after much persuasion and reaching out to management ) I received new disclosures which increase closing costs to {$20000.00}. They had also changed the interest rate on the loans to 3.465 %. They stated the changes were because the appraisals had come in lower than they had anticipated. I know for a fact that my properties would not appraise lower as I had tried to sell them earlier this year and they were appraised between XXXX. By then I had sent them my bank statements, visa documents and personal information ( including an IRS tax statement ). They knew my account did not carry the amount required to close with the spike in the costs. There was no communication from the team unless I repeatedly called them. Finally they send me communication ( via text on XXXX third ) casually asking if I can still afford the loan. In XXXX as i was trying to file this complaint they removed all the paper work that was sent to me on the portal. 

This process was very stressful. Half the times I was not even sure if my loan was being processed. All I had asked for was to let me know if they could close it or not. But they delayed it by 3 months. I had spent {$2100.00}. I feel like I was discriminated and treated unfairly. If they had not intended to close them the least they could do was to let me know earlier, rather than lead me along. 
I want this company to be investigated. To make sure they are not doing this with other customers. I would in the least want my appraisal amount that i paid out of pocket to be compensated. 
Kindly look into the issues. 
Sincerely, XXXX, XXXX. 
( Email : XXXX ; Ph # : XXXX ).
Consumer complaint received 2020-08-10
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (NJ)

Three years ago the Lowe 's representative tricked me into getting a Lowe 's card to cover the cost of the project ( ductless AC installation ). I never signed a contract to have the work done. I received a Lowe 's XXXX XXXX with the limit of {$14000.00} three years ago that I've never activated or used. I've never received any disclosures or statements on this account, except for the actual card. Two months ago, my credit scored went down 20 points. XXXX XXXX showed that my Lowe 's card limit was changed to {$1500.00} as the cause for lowering my score. I wasn't provided an Adverse Action NOtice! I was in the process of applying for a refinancing on my primary home. This dip in my score caused that I was denied a loan!!!! Since I've never received any statements or notifications from Lowe 's card company - I don't have anybody to contact! I demand that the Lowe 's credit company 's actions are deemed illegal and my credit report corrected!
Consumer complaint received 2022-11-05
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: DISCOVER BANK (NV)

I do not have any account with this company, I have asked that it be removed and its still present 15 U.S. Code 1681i - Procedure in case of disputed accuracy do they have right of assignment? there is no full account number, how is this listed with no account number? whe was last activity of the acount? if this was charged off then there needs to be a cancellation of debt 1099, you can not collect on debt that has been charged off i need accurate data points please remove I have been sick with covid for a year and alot of abuse was done to my credit15 U.S. Code 1681i - Procedure in case of disputed accuracy you can not charge off a card and still report it as over the limit, do you see the problem with this account?

Discover Bank Discover Bank ( Revolving ) Accounts - Summary XXXX XXXX XXXX Last Updated XXXXXXXX XXXX XXXX XXXX Payment Status Charged off as bad debt Unpaid balance reported as a loss by credit grantor Worst Delinquency None Reported Charge Off/Other Derog Balance {$5400.00} {$5400.00} Credit Limit {$5000.00} {$5000.00} Credit Utilization 110 % 110 % Terms Revolving Scheduled Payment High Balance {$5400.00} Loan Type Credit Card Credit Card Responsibility Individual Account Individual Company Name Discover Bank Discover Bank Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Comments Account information disputed by consumer Account Information Disputed By Consumer
Consumer complaint received 2020-08-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (MA)

The mortgage company name is Specialized Loan Servicing. 

I have been making payments on their website and I have not been credited the full amount that has been paid to SLS. 

What I have paid to date : A credit from XXXX  XXXX XXXX when they sold the loan to SLS : {$640.00} Payments from me ( these payment dates are from my bank statement, SLS 's dates may vary by a day or two ) : XX/XX/2020 : {$53.00} XX/XX/2020 : {$200.00} XX/XX/2020 : {$170.00} XX/XX/2020 : {$54.00} XX/XX/2020 : {$110.00} XX/XX/2020 : {$54.00} XX/XX/2020 : {$110.00} Total paid to date to SLS : {$1400.00} The amount owed to date : A fee transferred from XXXX XXXX XXXX : {$53.00} XX/XX/2020 : {$110.00} XX/XX/2020 : {$110.00} XX/XX/2020 : {$110.00} XX/XX/2020 : {$110.00} XX/XX/2020 : {$110.00} XX/XX/2020 : {$110.00} The total amount that should have been paid to date : {$770.00} Their website shows my next payment is due on XX/XX/2020 and the amount is {$110.00}. They applied some of the money to the principal balance on the loan in the amount of {$150.00}. I am not being credited for {$500.00} that has already been paid to them. I have spoken with 5 people including 1 supervisor all of which have promised to call me back and they never do. The issue has been open for more than a week and the supervisor told me he would call me back last week and he never did.
Consumer complaint received 2024-02-26
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. (PA)

My name is XXXX XXXX XXXX , this is not a third party filing this dispute. I have notice several Violations on my consumer report be done by the following credit reporting agencies. Experian, XXXX and XXXX. This is a major violation of the FCRA and I demand that these inaccuracy be remove and updated Immediately. Please see attached documentation.
Consumer complaint received 2020-08-10
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (CA)

My monthly interest goes up. Even though I pay in less days with a smaller balance. For instance. on XX/XX/XXXX I paid {$220.00}. With a balance due of {$4800.00}. Intrest applied was {$63.00}. On XX/XX/XXXX I paid {$300.00} with a balance due of {$3500.00}. Intrest applied was {$74.00}. They said no penalties for early payments. Do why am I paying more interest? Please help.
Consumer complaint received 2020-08-10
Product: Credit card or prepaid card — Store credit 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: ENCORE CAPITAL GROUP INC. (GA)

On XX/XX/2020, I disputed a negative item on my credit report from Midland Credit Management and this agency has failed to provide me with accurate validation. On XX/XX/2020, I filed an second dispute since this company failed to provide me accurate documentation on the account that they say I owe them. On XX/XX/2020, I spoke with a representative from this agency who informed me that they do not have to give me any documentation. This company is fraudulent reporting negative information to credit bureaus and do not have proper documentation while reporting fraudulent information. By this company reporting fraudulent information this is hurting my credit score and it is hurting my repetition with creditors. All three credit bureaus are reporting in accurate information on my credit report and this company re-age the account every month with credit bureaus. ( XXXX XXXX, XXXX   and XXXX ) I have disputed with the credit bureau but they are not properly investigating my dispute.
Consumer complaint received 2020-08-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CONTOUR MORTGAGE CORPORATION (NY)

Upon finding a condominium for purchase I went with Contour Mortgage as my initial lender. I signed the contract at the end of XX/XX/XXXX. There were many issues with this lender such as : 1- multiple title issues never disclosed 2- loan estimate submitted to me on XX/XX/XXXX ( after multiple emails on my part ) 3- I was told that the loan estimate was not accurate " just numbers '' 4- steered to an attorney who is an associate of the lender and also failed to disclose 5-inspection and appraisal fees were charged to me without disclosing pertinent information about the property or the loan itself 6-repeatedly contacted afterward by the lender after I told him I would no longer be using his services
Consumer complaint received 2020-08-10
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. (CA)

Someone in Experian and XXXX credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. 

XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, gave me two letters of  release stating the debt wasn't mine Experian and XXXX keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX XXXX, XXXX, CA XXXX My name is XXXX XXXX XXXX My phone number is XXXX ( XXXX ) XXXX
Consumer complaint received 2020-08-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SCHOOLSFIRST FEDERAL CREDIT UNION (AZ)

Per complaint XXXX first agreed once again to remove negative information off credit report. And again they have failed to do what they have promised. This should be investigated. They have impacted my life negatively for too long and cost me WAY to much money due to their incompetence! 

This way their last promise which again they failed to follow through. 

We received the complaint filed with the CFPB by XXXX XXXX. In the complaint Ms. XXXX indicates that she made an agreement with SchoolsFirst FCUs attorney to remove the charge off from her credit report once her insurance company paid her vehicle loan in full. SchoolsFirst is now refusing to remove the charge of from her credit. Upon review of Ms. XXXX account we can confirm that Ms. XXXX contacted us on XX/XX/2016 to let us know that her vehicle was totaled and in the possession of XXXX XXXX. Our records indicate that Ms. XXXX vehicle loan charged off on XX/XX/2016 for being 180 days past due in payments. On XX/XX/2016, we received the full pay off from XXXX XXXX but did not report it as paid in full closed account per the agreement reached between Ms. XXXX and our attorney. Instead, we incorrectly reported it as Paid Charge off on her and her cosigners credit. We apologize for our error. We will update her credit report as agreed by our attorney paid in full closed account and apologize for any inconvenience we may have caused by our error in reporting. Thank you, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: CITIBANK, N.A. (CA)

I requested assistance under their COVID-19 guidelines posted on their bill payment website. I was allowed to defer 2 monthly payments under the CARES Act. Citibank then turned around and reduced by credit limit my more than one half the original limit. By doing this it now reflects on my credit report I'm at 98 % usage on the credit card. Citibank purposefully adversely affected my credit report without telling me they would do this. Their excuse was my payments were lower than expected. However, I made every minimum monthly payment on time the last several years and 100 % of the time made more than the minimum payment required.
Consumer complaint received 2022-05-15
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. (AR)

This is an update on previous disputes. I have put these companies on notice several times about mentioned accounts. I uploaded all the information. No one has provided me with the documentary evidence that I owe on these alleged accounts and they also have not provided me with the proof of authority. I have all exhibits and the issue has not been solved. I have asked for documentary evidence and the original instrument of indebtedness. The freedom of information act gives me the right to this information. I did not ask for a photo copy of anything. I am also not able to pull my Experian credit report at all off any website. It states that information is not available and it has been saying that for 2 months. 

THIS IS NOT A DUPLICATE