davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-27
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: CAPITAL ONE FINANCIAL CORPORATION (KY)

During the Coronavirus pandemic my state KY forced me to close my XXXX XXXX  and was shut down for nearly three months. As it was for others this was very much a once in a lifetime set of circumstances that caused people to worry if their families and self my not make it etc. Under normal circumstances when I speak with a call center rep I write down notes ( dates, names etc ). I did not do that with Capital One. It is my position that I called capital one to take my payment method off of auto pay and to get covid relief. They claim that I didnt, my position is that it is entirely possible that they could have made a mistake and not properly notated this as everyone including call reps were under extreme duress. My. Credit report has always had a 100 % payment history and I have historically stayed around 700-720. As a result of this situation Capital one reported me as no. Payments through the nearly three months I was shut out of work. Now my family and I can not get a mortgage only bc of this. I have been told verbatim from a mortgage lender this Capital One situation has shut you out of a mortgage. It is very outrageous and unbecoming of Capital One to do this to someone who otherwise has had a close to 10 year financial relationships that has been mutually respectful and responsible. So not only did my family and I almost lose our XXXX XXXX, fear we may die but now we cant get a home for our XXXX kids. We are currently living with a family member in a two bedroom condo all staying in one room. I have always respected my credit report and respected my obligation as a borrower and now the one time I needed help Ive gotten railroaded. My 100 % history to this point has gotten nothing in return. This time is not normative for everyone and we would all do well to help each other especially those that are actually trying. Please HELP, this isnt right!
Consumer complaint received 2022-06-16
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: Mr. Cooper Group Inc. (AZ)

On XX/XX/2022, I contacted Nationstar DBA Mr. Cooper to inquire about removing my private mortgage insurance ( PMI ). Upon request, the agent said they were unable to remove it without a refinance. At no point did I consent to a refinance, and at the end of the conversation, the agent told me that it would not be a good option for me at this time. Today, I received a packet from Nationstar that had a loan application from that conversation. At no point was I going to refinance my current mortgage ; especially with the current rate percentages. Nationstar pulled my credit without my permission, and per FCRA, I should have this inquiry removed from my credit report, as this was something I did not consent. Also, the interest rate lock agreement violates UDAAP, TILA/Regulation Z. The buydown points are listed as a discount, fully ignoring the fact that the loan amount is increased to accommodate the buydown points. The section that shows points is the origination fee ; a completely different amount than the points charged on section A on the loan estimate. This section clearly outlines the points as {$9900.00}, which is listed on the interest rate lock agreement as {$1400.00}. This is deceptive advertising ; misleading the consumer into thinking the discount and points are the same amount WHICH THEY ARE NOT. Nationstar is in violation of fair advertising per Regulation N/MAP, because they are not being truthful in the amounts that are being charged to the consumer, and disguising the buydown points as a " discount '', and omitting that value from the " points '' line on their interest rate lock agreement.
Consumer complaint received 2022-06-16
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. (PA)

I recently received a copy of my consumers reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USCs1681B
Consumer complaint received 2022-06-16
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. (OH)

In accordance with the Fair Credit Reporting Account the following accounts have violated my rights : XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # XXXX XXXX XXXX XXXX, Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX 15 U.S.C. 1681 section 602 A. States that I have the right to privacy 15 U.S.C. 1681 section 604 A. Section 2. States that a consumer reporting agency can not furnish an account with my written instructions.
Consumer complaint received 2020-01-31
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (MD)

On Tuesday, XX/XX/XXXX, I called Selene Finance to once again request mortgage statements be sent to my home. In addition I questioned why our last mortgage statement dated XX/XX/2019 showed a balance due in the amount of {$5600.00}. We were told by XXXX that we did not pay XXXX, XXXX and XXXX. I explained that we in fact are current and requested a payment investigation. XXXX informed me that it would take 7 days to complete the investigation. I called back on Friday, XX/XX/XXXX and once again spoke with someone named XXXX. He informed me that the investigation was not yet completed. I stated to him that the problem with this is that if they haven't posted all of my payments that there is no way possible my mortgage interest statement is correct. He then cut me off stating that his department didn't have anything to do with that. I told him, when I call Customer Service they always defer me to his department. Further proof to indicate that it's incorrect is that my statment dated XX/XX/2019 shows an outstanding principal balance of {$240000.00}. The 1098 shows an outstanding principal balance of {$240000.00}. 

I would love to file my taxes but moreover I would love to have accurate records and competent servicer servicing my account. 


Please help me resolve the issue.
Consumer complaint received 2022-06-16
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Fay Servicing, LLC (SC)

Fay Services loan # XXXX I have tried for over a year to get a mortgage modification agreement. They refused on XXXX different occasions to grant a modification. It took no less than 6 months for an answer and each time they would not accept payments but kept on adding erroneous fees. Now i owe $ XXXX and facing foreclosure because I have too much equity. They never return phone calls and they ask for the same documentation over and over again
Consumer complaint received 2020-07-27
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP (DE)

My Husband refinanced his mortgage with Us Bank in XXXX of 2020, in XXXX I reached out to the loan processor to let him know that I was interested in applying for a Mortgage to get a bigger living space, the loan processor sentmy info to a mortgage officer who reached out to me and started the whole process, told me i was pre-approved for XXXX, based on my salary and credit, I gave them all my info they had me pay for an appraisal and an inspection, the closing date was scheduled on XX/XX/XXXX, I got a call on XX/XX/XXXX that I can not get the mortgage because I signed documents saying that my primary residence is my existing address, and I cant get the loan. I reviewed all the documents and my husband is the only borrower that signed as such on the mortgage. I feel as though I am being discriminated against because im XXXX and we shouldn't be successful or have anything. Not to mention the fact that by law they should have sent me a copy of the appraisal I paid for, and to date have not sent it. I applied with another lender who is trying to help me, after I explained the whole thing to them they thought it was outrageous. I feel like they had all the facts and waited till the last minute to XXXX me up. No empathy no remorse nothing treated me like trash.
Consumer complaint received 2018-07-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC (MD)

I disputed an item that was falsely added by this creditor. On my credit file they claimed i owed {$290.00}. On XX/XX/18 I sent my first letter, this letter was received by them via certified mail on XX/XX/18, After 30 days passed, this company sent me a letter dated XXXX that looks like a bill, this bill didn't reflect any contract or my signature stating that I have any kind of agreement with this company or it's alleged client. I sent them a XXXX letter on XX/XX/18 disputing the derogatory they have, this letter was received via certified mail by them on XX/XX/2018, this company had no response to my XXXX letter and furthermore they continue to report this false item on my credit profile to all 3 bureaus. As per FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute verification. Again, a print out of a bill is not valid, I need the actual contract from this company.
Consumer complaint received 2020-07-27
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP (CA)

ON XX/XX/2020, MY UI USBANK RELIA CARD WAS REJECTING PURCHASES AND WAS NOT WORKING. I HAVE ATTEMPTED SINCE THIS DAY TO CALL CUSTOMER SERVICE, GO ONTO THEIR WEBSITE AND MOBILE APP. FOR 6 DAYS, I HAVE YET TO GET THROUGH TO ALL CUSTOMER SERVICE PHONE NUMBERS, THE WEBSITE AND MOBILE APP IS NOT WORKING CORRECTLY, CONTINUOUSLY STATING YOUR PASSWORDS, SECURITY QUESTION ANSWERS ARE INCORRECT, ALONG WITH MY CARD NUMBER, WHICH ALL HAVE BEEN ENTERED CORRECTLY. IVE BEEN LOCKED OUT, ALONG WITH FRAUD TAKING PLACE ON MY ACCOU NT AND I CANTY EVEN REPORT IT. I CAN NOT ACCESS MY AVAILABLE FUNDS, FOR SIX DAYS. I HAVE TRIED EVERY WAY POSSIBLE TO CONTACT SOMEONE. US BANK SAYS THEY ARE NOT AFFILIATED. THOUSANDS OF PEOPLE ARE HAVING THE SAME ISSUES. NO ONE IS ANSERING THE PHONES. ON HOLD FOR HOURS THEN GET DISCONNECTED. ITS INSANE PLEASE HELP
Consumer complaint received 2018-07-19
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: ENCORE CAPITAL GROUP INC. (OH)

Hello, I am complaining about XXXX XXXX AKA XXXX XXXX XXXX AND XXXX. 
On XX/XX/18, I discovered accounts on my report. I reported these to all 3 credit bureas. XXXX has not responded nor has the  XXXX XXXX. On XX/XX/XXXX, I called XXXX. On approximately XX/XX/XXXX, XXXX  added an additional unknown account to my file called XXXX XXXX. Dispute is also noted next to my new credit card account ( which is not disputed and I opened a few days ago to build credit in preparation to buy a home. There are {$1.00} payments being added and subtracting from the XXXX XXXX  aka MCM to make them active. I found out XXXX is using unknown credit cards from 7-8 years ago and renewing the the active dates to harm my credit score. I opened 3 online disputes, however, I am denied access to them with the reason saying " unable to verify your information ''. I received the same thing with an email dispute. I have held on the phone for 3 hours trying to reach XXXX personnel in disputes. It is a difficult process that only tells you what you have already read on your report. Questioning XXXX  about XXXX XXXX   resulted in an immediate 30 point drop in my credit the next morning with no explanantions. I have waited since XX/XX/XXXX. The 30 days are way past what I should wait. No call, no email, not 30 response.
Consumer complaint received 2022-06-16
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: Experian Information Solutions Inc. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX, Account # XXXX has violated my rights. 

15 US 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.
Consumer complaint received 2023-01-24
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. (IL)

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : 1 XXXX XXXX XXXX XXXX XXXXXXXX Illinois XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Consumer complaint received 2021-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY (NY)

AMERICAN EXPRESS - This is not my account. Someone stole my identity and opened many accts under my name without my permission or authority. Please verify all information is truly mine, correct and accurate. Please remove.
Consumer complaint received 2024-03-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

Hi so. I bank with chase bank my bank was closed as i dont know how wht happen however last night this XXXX @ around XXXX thts XXXX XXXX i recived XXXX & eveythng was wiorking good i made a paymnt of XXXX $ & then i fell asleep i getup @ XXXX i see my account was closed i was worried abt my money in the account bcoz my money is more important than that bank account that money was for my mother medications that i was suppose to get today for her. Moreover i went to the branch & i explained my situation as the money is reflected in my account & i can even login & see but i cant make a payment or withraw after they close my account & they told me wait for the process & give atleaset 10 days for that. Wht is really inconvenience as that was my last money my rent my bills its alot to deal with rightnow as i am treated a different way that made me feel that i dont have a right to my own money
Consumer complaint received 2018-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2018 I was at the XXXX XXXX XXXX with a friend, XXXX XXXX, and she won a jackpot in the amount of {$18000.00} ( see attached ). XXXX XXXX friend, XXXX XXXX, was with us and offered to cash the winnings at the cashier 's desk for her, because XXXX XXXX didn't have id with her at that time. The jackpot was accepted and cashed with the appropriate ID for XXXX XXXX transactions and accounting purposes by XXXX XXXX XXXX and the money exchanged and distributed as follows : {$10000.00} in cash, a {$2500.00} check, the check in question that was transferred to me, and {$6100.00} held for taxes. ( See attached ) At the same time XXXX XXXX XXXX signed check number XXXX for {$2500.00} over to me, as it was being given to me by XXXX XXXX the person that won the jackpot. These transactions can all be verified a XXXX XXXX and by camera surveillance at that time. I did not anticipate a problem. On XX/XX/2018 I lawfully deposited the check into my Chase Bank account, thinking that the check would clear because it had cleared at XXXX XXXX XXXX XXXX ( See attached bank statement ) Signing a check over is a common practice and is accepted by financial institutions. However, unbeknownst to me, a hold was placed and the funds frozen from my access. The {$2500.00} check was then withdrawn from my account on XX/XX/2018 ( see attached statement ) without reason leaving a balance of {$1.00} and on XX/XX/2018, Chase issued a check for the balance of {$1.00}, check number XXXX ( see attached ) and closed my file. Again without explanation or reason. This is totally unacceptable as I was never given a reasoning for the closure nor for this check being withdrawn, not paid to me and/or not returned to XXXX XXXX XXXX. XXXX XXXX XXXX assured me that the funds were there and there was no issue on their side. However my account was with chase. As a consumer I have a right to know why my account was blocked, the funds withdrawn and eventually my account at Chase closed. Where are these funds now? What is being done with the funds at this time? I am a XXXX XXXX of the XXXX XXXX XXXX and would not have done anything unlawful. 

I made several attempts and calls with chase to address this however without a reasonable or valid explanation. They had no lawful reason or cause to hold these funds from me. It has now been 3 months, sufficient time has lapsed and I am still without the funds.
Consumer complaint received 2022-06-16
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. (OK)

Transunion In accordance with the Fair Credit Reporting act ( XXXX XXXX account XXXX, XXXX XXXX account XXXXXXXX XXXX XXXX XXXX XXXX ), has violated my rights. 
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 a account without my written instructions. 

XXXX In accordance with the Fair Credit Reporting act ( XXXX  XXXX XXXX account XXXX XXXX, XXXX XXXX XXXX account xxxxxx XXXX, XXXX XXXX XXXX XXXX account XXXX XXXXXXXX ), has violated my rights. 
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 a account without my written instructions. 

XXXX In accordance with the Fair Credit Reporting act ( XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX account XXXX ), has violated my rights. 
1

5 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 a account without my written instructions.
Consumer complaint received 2022-08-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. In previous months, I requested updating of inaccurate information which another credit reporting agency found to be inaccurate and had verified. Due to your lack of response, or responses which I classify as frivolous, you have dishonoured FCRA regulations and my request for verification. If you wish to correct this dishonour, I will give you one more chance to correct your errors and update my records. Please CORRECT the accounts, as they are already corrected from the other bureaus. You have 30 days to CORRECT these accounts listed below : XXXX XXXX XXXX XXXX .... Date Opened XX/XX/2019 Balance $ XXXX Late dates XXXX, XXXX XXXX XXXX XXXX .... Date Opened XX/XX/2019 Balance $ XXXX Late dates XXXX, XXXX XXXX XXXX XXXX .... Date Opened XX/XX/2019 Balance $ XXXX Late dates XXXX, XXXX XXXX XXXX XXXX .... Date Opened XX/XX/2019 Balance $ XXXXLate/Open Late dates XXXX
Consumer complaint received 2021-12-01
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation (NJ)

I purchased a vehicle from XXXX, my first payment was due on XX/XX/2021, on XX/XX/2021 I called to let them know that I mailed out a payment. On XX/XX/2021 they came and picked up the car because they said I defaulted on my first payment. I tried to explain to them that I did mail the payment, no want wanted to listen to me. All they are saying is that I need to pay the full balance of the loan, in order to get my car back. They are not even trying to let me explain what happened, the lady said they tried to reach me and I explained to her that I was not available due to XXXX
Consumer complaint received 2022-06-16
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. (GA)

1. In accordance with the Fair Credit Reporting Act, Account name " XXXX  XXXX  '' Account # XXXX has violated my rights. -- -- -- -- - 2. In accordance with the Fair Credit Reporting Act, Account name " XXXX  XXXX XXXX  '' Account # XXXX has violated my rights. -- -- -- -- - 3. In accordance with the Fair Credit Reporting Act, Account name " XXXX XXXX '' Account # XXXX has violated my rights. -- -- -- -- 4. In accordance with the Fair Credit Reporting Act, Account name " XXXX/XXXX  '' Account # XXXX has violated my rights. -- -- -- -- 5. In accordance with the Fair Credit Reporting Act, Account name " XXXX XXXX XXXX '' Account # XXXX has violated my rights. -- -- -- -- 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 a account without my written instructions
Consumer complaint received 2020-07-25
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. (CA)

My mortgage lender falsley reported my XX/XX/2020 payment late, they have sense corrected that But trans Union still reports a late payment,