davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A. (IL)

It took Flagstar Bank 85 days from the time I applied to refinance my mortgage with them ( XX/XX/XXXX ) to the closing date ( XX/XX/XXXX ). The process was rife with delays on Flagstar Bank 's end, and their delays and mistakes cost me substantially in terms of the interest rate I ended up with ( I was originally locked with a rate of 3.375 % and ended up having to accept a 4 % rate because interest rates were heading higher ). Here is their " resolution '' of my original complaint : " A review of your account determined that a delay occurred when a revised closing disclosure was sent to you. You received the closing disclosure reflecting updated terms ; however, the terms were not locked. We apologize for any confusion or inconvenience this may have caused. '' I specifically instructed them not to do anything to delay the closing of my refinance before they sent me the " revised closing disclosure '' referred to above, so the fact that they did that and negated my rate lock is totally on them. Unless Flagstar Bank steps up with a more fair resolution, it seems my only option is to sue them.
Consumer complaint received 2018-11-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I sent a validation goodwill letter to both XXXX & Capital originally dated on XX/XX/XXXX asking them to verify the late payments that are showing on my credit report since I never been late on any of my payments. Since I did not hear anything back from them within that 30 day time period I sent them no response letters to each creditor XXXX and Capitol One and I sent Section 609 letters to each credit bureaus dated on XX/XX/XXXX and XX/XX/XXXX asking them for proof of the late payments that were being reported on my credit report. After I sent that I received a response from the credit bureau and each creditor. My response from the bureau included a copy of my credit report : XXXX  sent me an update in which they changed only in regards to XXXX not Capitol One, but XXXX and XXXX did not update anything. I received a letter from Capitol One and XXXX stating they need information from me such as the letter and copy of my credit report in which I sent. Furthermore I sent both creditors what they wanted this included a form from XXXX verifying my personal information and Capitol one requested I provide them a copy of the letter they sent with my credit report showing the late payment and then both creditors sent back letters stating they will not be updating anything and I need to provide more information completely ignoring my request.
Consumer complaint received 2024-02-07
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. (GA)

I RECENTLY REQUEST INFORMATION FROM XXXX AND EXPERIAN FOR REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT AND BY THE FCRA, 15 USC 1681i ( 6 ) ( b ) ( 3 ). I HAVE COPIES OF EACH ACCOUNTS THAT I HAVE ATTACHED BELOW
Consumer complaint received 2018-11-04
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (TX)

ATTENTION : To Whom It May Concern : This letter is a formal complaint that you are reporting inaccurate credit information. 
I am very upset that you have included the below information in my credit profile due to its damaging effects on my credit standing. I have been wrongfully denied credit recently credit which was very stressful for me. 
The inclusion of this inaccurate information is a mistake on either your, or the reporting creditor 's part and I am formally requesting an investigation into these items. 

Hunter Warfield Amount : {$6700.00} Original Creditor : XXXX XXXX at XXXX XXXX The account was dispute directly with the collection agency. It has been 120 days with no validation of debt. Original request for validation was sent on XX/XX/2018. This account has also been DISMISSED in court. All pending charges have been dismissed. Please see attached documentation provided by XXXX County Court House. 

By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute. 
Thank you for your prompt attention to this matter. I apologize for being so upset, however, your mistakes are causing me a world of trouble. 

Please DELETE the above account as quickly as possible. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-11-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

Hello, we have big problem again, there is a foreclosure sale scheduled for our home on XX/XX/2018 and we are out of options and we have exhausted ourselves with this horrible company. We have had many attempts to receive an affordable monthly payment but no resolution and no affordable monthly payment offer has been given. 
We have been in a fighting battle with our bank/ servicer Mr. Cooper for a very long time I mean very long time. We have been trying for a loan mod. recently its getting worse and worse and the bank keep pressuring and not providing an affordable loan mod. that we can afford which will help us keep the home and not throw us out on the streets. So our servicer now is Mr. Cooper and we have sent them many times a request for mortgage assistance forms packet with all documents. Recently we mailed and faxed in a copy of the request for mortgage assistance and all required documentation to be reviewed for a loan modification. 
If Mr. Cooper proceeds to sell my home while having a complete request for loan modification review packet then they will be in violation of multiple laws including but not limited to my California Home Owner Bill of Rights Act Mr. Cooper has still placed my home on a foreclosure sale set for XX/XX/2018 and has not CANCELLED the foreclosure sales until the review and an affordable loan modification and the process has been approved and agreed upon not some {$4000.00} monthly payment that no one can afford but one that is reasonable and that if helping the borrower not a ridiculous sum that will force us to move out. We sent them all documents and are in review at the moment but why have they not yet removed the foreclosure sale. 

Thank you.
Consumer complaint received 2023-03-22
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. (IL)

A fraudulent credit card was opened in my name with XXXXXXXX XXXX. I am a victim of identity theft and my personal information was stolen to open accounts with sofi and other lending institutions. I contacted XXXX regarding this matter, and after investigation they deemed no fraud occurred. XXXXXXXX XXXX  has failed the duty by not doing a proper investigation, only telling me the account is accurate due to the fact a fraudulent/stolen identification was used.
Consumer complaint received 2018-11-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: U.S. BANCORP (IL)

I have a small business in XXXX, IL on XX/XX/XXXX I used a promotional check offered to me in the mail at 2.99 % for an insurance payment of {$2700.00} due on XX/XX/XXXX from my business credit card from XXXX XXXX XXXX, I have two other promotional transfers on the card totaling {$3800.00} used after that that are due in full on XX/XX/XXXX total at 0 % after looking at my statements for the year I see that all my XXXX payments that I have been sending every month since XX/XX/XXXX have been going to my 0 % balances and I am getting charged all interest on my XXXX at 2.99 % balance and it isn't going anywhere. 

They tell me they pay off the 0 % percent first always because its a business. 

This is totally a rip off, why would any bank or credit card want to cause a business to have to hang on to a 2.99 % balance due on XX/XX/XXXX when they have two other balances at 0 % not due until XX/XX/XXXX All I see is greed to get more interest charges to my business, I am totally disgusted! 

I would like someone to look into this to please let me know how this could be legal.
Consumer complaint received 2018-11-06
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: JPMORGAN CHASE & CO. (WV)

A Chapter XXXX bankruptcy filed in XX/XX/XXXX was discharged in XX/XX/XXXX after the obligation had been met and removed from all Credit Reporting Agencies in XX/XX/XXXX.

A recent credit card application was denied and bankruptcy was used as a denial reason. I called the Business twice and was informed that the bankruptcy information was not from a Credit Reporting Agency but from their own " personal history file '' provided to them from an unknown affiliate which could not be provided upon request.
Consumer complaint received 2017-11-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (AL)

While reviewing my credit report, I noticed S.w Credit System L.p. reporting inaccurate unverified information on my credit report. I do not recognize this company. This inaccurate information is causing stress and loss of income.
Consumer complaint received 2018-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (WA)

I purchased merchandise which ended up being not as described at time of purchase. By the time I realized the merchant had explicitly misrepresented their product it was too late to return said product. The particular misrepresentation makes it impossible for me to sell said merchandise. 

I gave an accurate description of the sellers misrepresentation/fraud to discover, and provided evidence. However, Discover failed to protect me from the merchant 's fraud/misrepresentation. 

I purchased a phone from XXXX which I was explicitly told by a XXXX representative was factory unlocked. This was a blatant like on part of XXXX. The phone is riddled with spyware implanted by XXXX which I can not disable. There are major security flaws I can not remedy due to XXXX 's fraud, deceit, and blatant misrepresentation. 

XXXX provided no evidence to refute my claims. The evidence they provided simply shows I received the phone, which was never an issue in the first place. I've never claimed I did not order, or did receive, the phone. Discover ignored this entirely and adjudicated my dispute erroneously.
Consumer complaint received 2018-11-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: APEX Asset Management, LLC (NJ)

On XX/XX/XXXX I had a preventative care visit at one of my physicians under XXXX which is fully covered by my insurance provider. In XX/XX/XXXX I was notified that I owed {$50.00} to my physician 's office for the visit. I contacted XXXX XXXX XXXX XXXX and advised it should have been covered by my insurance carrier XXXX and I should not be charged. I was advised by XXXX to disregard the bill that it was an error from the Dr. 's office that they encoded the visit wrong. Approximately a 1-2 months later I receive another bill for {$50.00}. I contacted XXXX again and was advised to disregard the bill and that there was a note on my account. In XX/XX/XXXX/XX/XX/XXXX I received a notice from a collection agency Apex stating I owed {$50.00} to virtua and my account is now in collection. I reached back out to XXXX who advised to disregard the bill and that it was sent to the collection agency in error. In XXXX XXXX resubmitted the claim to my insurance carrier and advised that everything was resolved. On XX/XX/XXXX I received a collection notice for the same issue now for {$110.00}. I contacted XXXX and was advised XXXX denied the claim due to it being 180 days after the visit and sent a notice to XXXX that they must send an letter of explanation in order for the claim to be paid. I have reached out to XXXX, who advised I don't have a balance or an account in Collections and has asked I forward the collection notice. XXXX provided a fax number which did not work. I have been calling on a weekly basis since XX/XX/XXXX and can not reach anyone, have left several messages and do not receive a call back. The issue is still outstanding and at risk for damaging my credit.
Consumer complaint received 2022-03-30
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: Experian Information Solutions Inc. (MA)

I sent letters to XXXX, Experian and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 33 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2018-11-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

In XXXX of XXXX, we refinanced our home through XXXX XXXX XXXX in XXXX, VA. In XXXX of that year, XXXX XXXX XXXX sold the loan to XXXX XXXXXXXX XXXX. In XXXX of that year, we re-financed again because we did not like the customer service from XXXX. We re-financed with XXXX which is now XXXX XXXX. In XXXX, Capital One purchased XXXX. In XXXX, we opened a second equity line with XXXX XXXX XXXX in second position. At that time, nothing was found during the title search. When the loan came up for renewal in XXXX, we applied for a renewal. During the title search, an unreleased loan through XXXX XXXX was discovered. I have the HUD Settlement statements from the XXXX loan and the XXXX loan showing that XXXX was paid as well as the letter from XXXX informing us that they had purchased the loan. I called Capital One to ask for a release. The customer service person was able to see the loan number and my name, but had no other information in the system. She refused to send a release. She said she would send a later explaining the situation. I received the letter today and all it said was " No information about the above referenced loan could be located. '' I need to have this cleared off the Title work for my home. It is particularly annoying as I did nothing wrong but this could negatively impact my ability to sell my home.
Consumer complaint received 2017-11-04
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Seterus, Inc. (PA)

I was approved by XXXX XXXX for trial modification, but my incompetent loan servicer once again is trying to take legal action to seize my home. I am not sure why CFPB has not passed on my complaints to a the federal regulators as they continuously damage my credit, lie about payments, and now sending me an Act 91 notice.
Consumer complaint received 2018-11-06
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: BlueChip Financial (NC)

I have contacted XXXX  about harrassing me through mail offers for a Payday loan and asked them to stop and desist sending me offers for a Payday loan that I am not interested in in their loans.

XXXX   has failed in my request and continues to harrass me in taking out a Payday loan.
Consumer complaint received 2023-03-22
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)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2022-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MA)

I sent letters to Equifax, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 33 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2022-03-30
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. (TX)

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2020-02-04
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. (AR)

I was receiving bills from a collection company. I wondered for days why I received this collection bill twice, if I knew I did not owe anything. I got onto XXXX XXXX and saw I was sent to collections as well. I took action and pulled my credit report on identity IQ. I am  extremely shocked with these items on my report that I have never opened. These accounts do not belong to me. Please remove these items from my report. 

US DEPT OF ED/XXXX XXXX {$71000.00} XXXX  XXXX XXXX XXXX XXXX {$130.00} XXXX, XXXX XXXX {$380.00} XXXX   XXXX {$0.00} XXXX XXXX XXXX {$1500.00} XXXX   XXXX {$990.00} XXXX XXXX XXXX  XXXX {$160.00}
Consumer complaint received 2018-11-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (MA)

I did a promotion for Citibank that stated i would get a {$400.00} bonus if i deposited {$15000.00} and left it there for 60 days. I then confirmed the promotion was on my account and i met all the requirements during a chat on XX/XX/2018. I was told that the bonus would arrive by XX/XX/2018. This did not happen. I then chatted with CitiBank on XX/XX/2018 and they also confirmed that the promotion was on my account and i met the requirements. They submitted for in investigation on why i didn't receive it. I then chatted with someone on XX/XX/2018 because i have not heard back from them. They informed me they are still looking in to it. I think Citibank is trying to get out of paying the bonus they promised. I would like for CFPB to look into this further.
Consumer complaint received 2023-03-22
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)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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
Consumer complaint received 2023-03-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : 442644 has violated my rights. Or a list of Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.