davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-18
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: EQUITY LOANS LLC (FL)

My complaint deals with several deceptive business practices by Equity Prime Mortgage ( EPM ) : 1. Wrongful credit reporting ; 2. Misleading online information on their website regarding forbearance which was accessible on XX/XX/XXXX ; 3. EPM representative misleading information by telephone on XX/XX/XXXX and XX/XX/XXXX ; 4. Entrapment into becoming further financially distressed and indigent. 

I was actively in the process of refinancing my mortgage with the underwriter of a different lender who gave me a very small window to lock in a rate comparable to what I already had since EPM denied to refinance my loan initially back in XXXX of XXXX. 

The mission was to pay off all my debts since I was currently being hammered with financial debts incurred from Hurricane Ian 's damages. As such while the other lender underwriter was in the final stages of approving my refinance, EPM mortgage wrongfully reported to the credit agencies that I was 30 day late following a conversation on XX/XX/XXXX and XX/XX/XXXX that they would not. 

EPM error cost me the only opportunity to refinance under the rate that was comfortable for me. So now I'm at their mercy with an application for a six ( 6 ) month forbearance to allow me time to pay for the natural disaster damages from Ian and regain my financial stability. 

My situation is comparable to a {$63.00} XXXX dollar FTC-CFPB suite which was recently settled the issues were : FTC and CFPB allege that XXXX XXXX XXXX XXXX According to the lawsuit, when homeowners were even just one day late with their payments, XXXX XXXX XXXX often unleashed a barrage of phone calls. 

When borrowers sought options like loan modifications or short sales, XXXX XXXX allegedly mishandled many of those requests, leaving consumers in even worse straits. For example, some homeowners were in the process of finalizing loan modifications with other servicers when their mortgages were suddenly transferred to XXXX XXXX. Rather than honoring those arrangements, XXXX XXXX often yanked that lifeline from people struggling to stay afloat. Others were told theyd have to pony up payment before they could even be considered for certain loan modification programs an illogical ( and often illegal ) requirement for folks who had already sent out a financial SOS.
Consumer complaint received 2023-08-15
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

Capital One XXXX XXXX for Menards. Transaction date XX/XX/2022. Transaction amount {$1800.00}. Card terms state that any transaction greater than {$1500.00} will receive a promotional finance rate of 3.99 % for a period of 48 months. Capital One instead began charging interest of almost 30 % after just 6 months. I called and requested a fix. They denied the fix with no justification. I called again to remind them that this violates their cardholders terms. I was told that I should have called sooner because the transaction " expired ''. Essentially they claim that I didn't catch them breaking the law soon enough for them to fix it. I am filing this complaint, because they have increased my balance by {$300.00} in 3 months and refuse to fix their mistake. I should only be paying {$60.00} in interest this year, and the balance should NEVER increase. This is fraud and theft and must be fixed. If not it will end up costing me thousands of dollars.
Consumer complaint received 2021-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I called the reporting agency ( EXPERIAN ) and tried to get the information corrected on my consumer report and the representative a Ms. XXXX would not help me stating that I am to contact the CFPB if i wanted my consumer report corrected.
Consumer complaint received 2022-01-17
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: EQUIFAX, INC. (GA)

I've been a victim of identity theft. The inquiries listed should be removed for these are fraudulent and inaccurate. Inquiries : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2021-09-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (PA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2022-01-17
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. (FL)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2022-01-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have disputed : XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX {$890.00} XXXX XXXX XXXX XXXX {$320.00} XXXX XXXX  XXXX {$810.00} Since XX/XX/2021 for seven ( 7 ) months. Each of the accounts listed are inaccurate and unsubstantiated. I have disputed this information with XXXX, XXXX, and Transunion without success. 

These debt collection companies are furninshing unsubstatiated damaging information to my credit report without regard.
Consumer complaint received 2022-01-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ACIMA CREDIT, LLC (CO)

I needed glasses badly so I went to XXXX XXXX to get credit with XXXX. I have been making my payments, they take them out automatically from my back account. I knew they were going to take the last payment out on XX/XX/XXXX when I get my Social Security so I checked to see what the remainder would be. It was {$64.00}. I paid that so that when they automatically took out the {$120.00}. I would be done with it on an early payout. If you don't do the early payout then your obligated to pay the full amount. My loan for my glasses came out to {$670.00}. The full amount was {$1500.00}. As you could see I certainly wouldn't want to pay the later amount. They didn't take out the automatic payment as expected on the XXXX of XXXX. I waited and finally called them today and spoke to XXXX. I'm just recovering from XXXX  so I haven't been able to work. My final day for early payout is XX/XX/XXXX. I believe they purposely didn't take out the payment to keep me oweing the full amount. This is a scam to keep consumers obligated to pay the full amount. When I talked to XXXX he said they could extend to XX/XX/XXXX for another {$100.00}. This type of credit needs investigation.
Consumer complaint received 2022-12-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

I have phone records of me speaking with these credit bureaus and regards to my information being submitted being stolen being mishandled being sold off without my consent they're allowing these consumers and you reporting agencies to just give information and they're not doing their due diligence at all on XXXX there is a report submitted with documentation but now just the same reported agency is closing an account State and that they don't have information what type of XXXX is that if you go back to XXXX it's just an add-on to the extra XXXX  that I'm finding out that you're doing XXXX XXXX the same thing I give the last numbers of my Social Security and they tell me I live in XXXX  I live in XXXX XXXX XXXX I've never lived in XXXX  but however they got that on my credit report this is insane so what's going to happen now as I'm going to put y'all on notice I'm going to follow lawsuit first of all you have an agent talking to me about my credit information and didn't give me in violent information on my credit report and fell to fix it so I'm just giving notice I'm tired of dealing with you all in this crazy mess all that stuff that's inaccurate on my credit report needs to be removed if they don't contact you within the 15 days it's not my fault got handling me for my business and this is slander you got credit bureaus looking at stuff that's in accurate on my information and I'm telling you this and it's hindering me from my business so y'all slandering me once again
Consumer complaint received 2017-08-23
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (CA)

In XX/XX/XXXX I filled a Chapter XXXX Bankruptcy, the Bankruptcy was closed XX/XX/XXXX. Through the Bankruptcy Court a motion was granted to avoid unsecured liens on multiple properties. 

Dietech Financial ( lien held by Greentree during bankruptcy ) is the owner or servicer of one of the avoided liens. On XX/XX/XXXX I contacted Dietech to verify the lien had been released and re-conveyed. I spoke with XXXX in the bankruptcy department and was told my request would be forwarded to local counsel for review. On XX/XX/XXXX I contacted Dietech and was told the language in the motion stated release is contingent on discharge of bankruptcy and they will not release the lien unless I was able to get the ruling revised. 

Unlike other types of bankruptcy in a Chapter XXXX there is no discharge. The plan of reorganization is confirmed by the court and the case is closed. I have had two liens that were released based on the granted motion to avoid and both of them contained the same language regarding discharge. XXXX released a junior lien on XXXX XXXX XXXX XXXX my primary residence and Real Time Resolutions released a junior lien on XXXX XXXX XXXX. 

Dietech is the only lien holder who refuses to honor the motion to avoid. I believe that Dietech is attempting to force me to go back to Court and re-open the case to amend the order. Dietech knows this will be expensive and cause damage to my credit. 

Attached are copies of the following documents : 1. Bankruptcy Order to Close 2. Motion to Avoid Liens 3. Letter from Dietech regarding lien 4. Re-conveyance from XXXX 5. Re-conveyance from XXXX XXXX XXXX
Consumer complaint received 2022-01-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Media Collections, Inc (MD)

I have been contacted by a debt collection company ( XXXX XXXX XXXX XXXX XXXX ) on XX/XX/XXXX to collect a debt to XXXX XXXX This is not my debt, when I called XXXX XXXX with the account number nothing came up on their end, so I believe this XXXX be a fradulent attempt to collect a debt that I had no incurred. 

Additionally, I was contacted by XXXX of XXXX, somebody used my drivers license number and information ( but an incorrectly spelled name ) to rent equipment that was not returned. I have never rented from XXXX so I believe my identity has been compromised.
Consumer complaint received 2022-11-30
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USDOEXXXX XXXX XXXX XXXX XXXX XXXX XXXX USDOE/XXXX  XXXX XXXX XXXX XXXX XXXX DP OF EDUC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 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 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.
Consumer complaint received 2022-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Good Morning! 

This is not the first time that I try to fix and innacurate item on my report, the Credit Bureaus have failed to continue with the correct process, they have stop answering the letters and are not willing to work with me by showing me proof that these accounts are accurate. 

I will load all the letters that Ive sent since last year.
Consumer complaint received 2022-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Good Morning! 

This is not the first time that I try to fix and innacurate item on my report, the Credit Bureaus have failed to continue with the correct process, they have stop answering the letters and are not willing to work with me by showing me proof that these accounts are accurate. 

I will load all the letters that Ive sent since last year.
Consumer complaint received 2023-07-05
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. (LA)

I earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report. It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable distress.
Consumer complaint received 2021-03-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (OH)

XXXX XXXX I received a deposit for XXXX from XXXX XXXX I sent XXXX to a family member in order to get cash because chime only allows for XXXX dollars atm withdrawals. I also withdrew XXXX dollars. I then transferred XXXX into my savings as I didnt want that much money sitting inside my spending account. I also put funds onto my XXXX XXXX  card. At XXXX I received an email stating my account was on hold and I had no access to my mobile app or funds. I sent in ALL required documentation they asked me for which were my ID front and back, picture of me holding my ID, proof of address. I sent them all of that. I later received an email asking me to send proof of the deposit in question which was a XXXX loan made to me and under my social. I sent them my loan documents which showed everything even where the deposit in question was going which was my chime account. That wasnt enough they then asked for proof of the deposit again but this time they asked for articles of incorporation and state registry paperwork. Im an iXXXXt XXXX Im not required to have any of that. They then closed my account and said they will not refund me for the remaining money in account and refer to section 9 of their policy ( Section 9 states if balance is 1.00 or less a refund wont be issued ) I had XXXX left all together from my checking and savings. I have given them all verifying information. They then asked me to provide a 1099 misc or invoices of service. I let them know I send invoices to my clients and I provided that and they STILL refuse to release the money to me. My invoices,1099 misc , articles of incorporation, state registry doesnt confirm the deposit. I gave them the very piece of information that confirms the deposit which is the loan documents from itria ventures themselves. Chime has even stolen money that was in my savings account before I received my loan. They are stealing from my family. My bills are past due, I have a XXXX son. I contacted a lawyer for advice who said they are violating several laws. I am required a check in the mail for any funds left over in my account. They are trying to steal money from people who need it most. Please help me recover my funds please
Consumer complaint received 2022-12-01
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. (TX)

Please Respond! I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. These items found within my credit report are not related to any transactions that I have made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer repeatedly and its defamation of my character. 

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 2021-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (NY)

I have contacted Home Depot Credit services multiple times to correct an error on my credit report. The facts are these : The dispute in question is late payment due on XX/XX/XXXX 0f {$430.00}. FOUR DAYS later, I made a payment on XX/XX/XXXX of {$300.00} and the balance of {$170.00} on XX/XX/XXXX, completing the full payment EIGHT DAYS later on XXXX/XXXX/XXXX. Not more than 30 days when a report to the credit bureau would be in order. Home Depot did not credit my account until XXXX. 
I have provided my bank statement to Home Depot proving the funds have been received by Home Depot on XX/XX/XXXX. Home Depot statements confirm the payment was made on XXXX, but they will

not remove the late payment from the three credit bureaus. It is the only mark against my credit. I have contacted the three credit bureaus on XX/XX/XXXX with a copy to Home Depot to rectify the problem, Yesterday, XX/XX/XXXX I received notice from one of my credit reporting agencies ( not Home Depot ) that Home Depot dropped my credit limit from {$16000.00} to {$5000.00} which negatively my credit score. I closed my account with Home Depot today XX/XX/XXXX. 
The issue with the late payment on the three credit bureaus has not been resolved.
Consumer complaint received 2022-12-01
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. (NV)

Respected Sir, This is regarding Credit Report displayed information is inaccurate and incorrect. 
Information in the Credit Report Published as Company Info : XXXX XXXX XXXX Account No XXXX XXXX. Amount Owed {$170.00} XXXX. Placed in Collections XX/XX/XXXX XXXX. Last Verified Date XX/XX/XXXX I do not recognize this company and the information. No Verification performed. I requested all Credit companies to delete this collections company information. But this information never deleted. 

In Accordance with the Fair Credit Report Act this company violated my rights. 

15 U.S.C. 1681 Section 602 A 1 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. 

Kindly delete the account. 

Thanks XXXX XXXX
Consumer complaint received 2017-03-24
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC. (WY)

My husband and I have submitted two prior complaints regarding our Deed in Lieu with PennyMac. We started the deed in Lieu process on XXXX XXXX, XXXX. We were assured after the first complaint that the process would be completed by end of XXXX XXXX, we then were told after the second complaint it would be completed by end of XXXX XXXX, we are now at the end of XXXX XXXX, and even though the deed in lieu was recorded with the county on XXXX XXXX, XXXX, our case has still not been closed. We are still waiting, and have yet to have a satisfactory resolution from PennyMac regarding our Deed in Lieu.
Consumer complaint received 2022-10-07
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. (TX)

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

Account name : OFFICE OF THE ATTY GEN # XXXX Account name : XXXX REWARDS # XXXX Account name : 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 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 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.