davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (MN)

This is a follow up to Complaint # XXXX. 

We have spent seven months trying to convince The Money Source ( XXXX ) that we had, in fact, paid our mortgage payments in a timely manner and were not delinquent at any time. We provided records of electronic payments and copies of checks showing payments. We spoke with XXXX customer service personnel on a weekly basis. Four of them stated they saw what the problem, and each assured us the matter would be taken care of. This went on until XXXX when XXXX finally acknowledged that they had credited our first payment to XX/XX/XXXX. They did not own the mortgage until XXXX of XXXX ; which we had told them repeatedly. 

Their fix entailed a four-day span of erasing the existing data and reentering the data so our account appeared to have been paid to date on XXXX XXXX. We retain the actual payment documents. We learned in XXXX that on XX/XX/XXXX XXXX had reported us as being " 30 Days Past Due Date '' to XXXX. This was brought to our attention by a mortgage banker who we are using to purchase another property. This information has not only been used by the mortgage bank, but has also been picked up by our credit union. We have asked XXXX for a written statement signed by an officer that the loan is not and has not been in arrears ; and that the false information be removed from any and all credit reporting agencies. Again, repeated calls, repeated assurances that it would be taken care of, and no letter. XXXX has stopped returning my calls.
Consumer complaint received 2024-04-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: NEW YORK COMMUNITY BANCORP INC (OH)

Got out of bankruptcy XXXX  XXXX end of XX/XX/2023 my attorney told me to start paying XXXX I did. When I called flagstar they told me I was behind. I told them the trustee was paying my mortgage and it was cure. I even received a letter from flagstar attorney that my delinquency was cure. After that every month I was sending payments or partial payments to them. But they applied late. This year I send XXXX XXXX  total for XXXX and XXXX it just showing yesterday that XXXX was paid. They holding money and deposit months later so they can claim late fees they are harassing me even on Sunday by delivering mail. I didn't pay XXXX  or XXXX just XXXX . I have medical bills and city taxes to pay and at work they start cutting hours. Flagstar is incompetent. The payment center is in XXXX but corporate send me threat letter from XXXX Michigan I have XXXX  so does my wife who doesn't work..
Consumer complaint received 2022-02-23
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)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX
Consumer complaint received 2022-02-23
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)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-04
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NM)

My statement in XXXX was XXXX, I dont pay all only I pay XXXX. So my statement for XXXX was XXXX plus I XXXX plus they charge XXXX because I dont pay the full amount, so total I due in XXXX XXXX and I paid XXXX statement shows I spent XXXX but they charge interest of XXXX, I dont know why if I paid the total in XXXX
Consumer complaint received 2022-04-14
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. (AP)

In accordance with the Far Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has Violated my rights. 

15 U.S.C 1618 Section 602 A, States I have to right to Privacy.

15 U.S.C 1681 Section 604 A Section 2, Also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 166b, A Creditor May not treat a payment on a Credit Card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2022-02-23
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: Westlake Services, LLC (WI)

I CHECKED MY CREDIT REPORT AND FOUND THAT IM A VICTIM OF IDENTITY THEFT. I CALLED THE COMPANIES AND THEY SAY I NEED TO FILE A COMPLAINT.
Consumer complaint received 2017-08-30
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (AL)

I was contacted several times by Midland Credit Management about a credit card debt. They repeatedly called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I did not provide them with my current telephone number and do n't know how they retrieved it. They are harassing me to take me to court or other legal action if I do not pay them. The balance they are claiming I owe is {$930.00} for a XXXX credit card. The initial credit amount was {$600.00} and they are charging me extra. I called and spoke with someone on Monday XX/XX/XXXX. I tried to setup a payment arrangement for the {$600.00} but they would not remove the extra charges. I was only given an option to pay the balance in 2 payments and nothing else or I would be sued. They also sent a letter to an address I did n't provide them with. It is not even someone I 'm related to where they sent the letter.
Consumer complaint received 2018-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX has violated x 15 USC 1692 by continuing collection activity after a cease and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Consumer complaint received 2024-01-25
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: World Acceptance Corporation (KY)

World Finance Corporation A charge off is a certificate of indebtedness. I am revoking any security interest that I willful gave to you. I will be filing a civil lawsuit for securities fraud. I revoked any written permission I gave to transfer, sell, or share my personal indentitying information to any third party and or non-affiliated parties. 
XXXX XXXX
Consumer complaint received 2022-02-23
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

I am lodging this complaint against The First National Bank, located at XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, Pa XXXX. 

On or about XX/XX/2021, I had a very nice and productive conversation with the assistant branch manager of FNB, XXXX XXXX, relative to a home equity loan. 

I told XXXX XXXX that I wanted to lock in a fixed interest rate before the rates increased. Subsequent phone conversations, and after I submitted the required documentation, we agreed on an interest rate of 2.39 %. Shortly thereafter I received via XXXX mail documentation from XXXX XXXX located in XXXX, PA with a higher rate of 2.79 %. I phoned XXXX XXXX and advised him of the rate of 2.79 %. I was told by XXXX XXXX that the rate increase did not take into account the discounts and perks that would apply. The discounts applied by the local branch would reduce the rate to 2.39 %, as agreed upon. He advised to ignore the higher rate, because it is always adjusted at the local branch, and that it happens all the time. He also said because of my high credit score, and my low loan to value of my home, I qualified for the lower rate. 

After a few more weeks had passed I called XXXX XXXX to inquire about the loan. He told me that he had some very bad news, and that the initial loan rate of 2.39 % was not available to me. The new rate was going to be 2.79 %. He apologized and simply said that his boss would not allow the lower rate. Although he said he was very sorry for what occurred, he never said why the branch perks he offered me were not made available to me. 

The issue here is the amount of time that I was led to believe that the loan would be approved at the rate which was discussed. 

The interest rate did rise and now I am looking at higher rates. This has been been a very tremendously disappointing experience dealing with FNB in XXXX, XXXX
Consumer complaint received 2018-12-25
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: CITIBANK, N.A. (FL)

On XX/XX/18 I applied for a Home Depot credit card on line through Citi Bank. A credit report was pulled and I was denied due to the fact I didn't have an active cell phone at the time for some sort of verification. This policy was not disclosed at the time of my application thus pulling a Fraudulent credit report by Citi Bank. I was instructed to go to the store for verification and processing. On XX/XX/18 I did so and was approved for a {$500.00} dollar limit. My purchase was for a higher amount and I requested a credit line increase at the time. The operator at Citi Bank said she would have to look at my report to make a determination. I was told multiple times that the conversation was being recorded. I told the operator that if it required a second credit report being pulled that I would not be interested in the increase. She assured me that this would not be necessary. My credit line was increased to {$2500.00} and the next day was informed by XXXX XXXX that I had a second report pulled. I tried a dispute with XXXX and twice with Home Depot/Citi Bank and was told that it was accurate and that there was nothing that could be done about it. I contend that Citi Banks credit process is Fraudulent and they pulled 2 credit reports against my direct verbal recorded instructions. This is another example of a big bank running over a small consumer.
Consumer complaint received 2022-02-23
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. (WA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX 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 2022-02-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (CO)

Follow up on to case XXXX Today I received the attached paperwork, stating that the refi was denied in part due to a judgement... I have ( XXXX XXXX ) pulled all my credit reports and see nothing... there are no judgements on my account -- why is the mortgage company stating this? They also state in this paperwork that my credit score is XXXX ... it is not, per the credit reports I pulled today? What are they doing?
Consumer complaint received 2022-02-23
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-23
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Mortgage Research Center, LLC (CO)

I was preapproved by Veterans United in XX/XX/XXXX for {$500000.00}. I asked my loan specialist via email and phone if there was anything else I needed to do. Provided all documentation including my job offer as requested. XXXX never disclosed to me about a rule that future income specified in an offer letter needs to have a start date within 60 days of the closing date. My start date is XX/XX/XXXX. I have received XXXX emails spread over about XXXX weeks from the Veterans XXXXnited Loan Specialist from XXXX through XXXX asking if I had a contracted offer yet. At no time were any additional requirements about future income disclosed to me. I entered into a contract on XX/XX/XXXX with a close date of XX/XX/XXXX. Upon submission of the contract to Veterans United in compliance with their instructions, I was notified by the loan specialist of a rule that they would need a closing date of XX/XX/XXXX to be able to count my future income. They also proceeded to tell me that since my offer is contingent upon me graduating college, I may not get approved. None of this was disclosed to me BEFORE signing a contract AND I was encouraged to pursue signing a contract by the loan specialist. Due to a {$3000.00} earnest money requirement and a time crunch on the inspection requirements, I had spent around {$850.00} on inspections already and had {$3000.00} at risk if I back out of the contract that I sent the same day upon discovery of the rule after checking with my broker as to whether I should or not with this rule. Upon contacting XXXX XXXX, he proceeded to treat me in a patronizing manner and lie to me about where the requirement comes from, lie to me that they had sent my loan up to higher and it was rejected ( he would later contradict himself in the same phone call ), and made my swearing at him the center of the conversation when I finally lost my composure due to him clearly lying and being patronizing. No real solution was offered to me, instead he made a point to check with the VA of the rule, ( I have online and still see no such rule as well as another lender telling my broker the rule doesn't exist on the VA end ). The only focus of the conversation was XXXX XXXX trying to get me to apologize, patronize me, and try to make the situation my fault, despite he and his loan team having a clear omission of substantial facts to me, omission that caused me to enter into a contract.
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX- Inquiry : XX/XX/XXXX TXXXX XXXX- Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXXnquiry : XXXX XXXX, XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX
Consumer complaint received 2024-04-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (TX)

On XX/XX/XXXX, at XXXX am my account was compromised because I was robbed at gunpoint and forced to give hackers my phone because it was either my life or the phone, and upon me doing so they emptied my accounts and transferred money to my XXXX as if it was me but it was not! Because my phone and everything I owned was in their possession. They made an instant transfer to my account and then they sent my money via XXXX to another hacker and since then I have not received my money back all while giving all evidence. Between chime and XXXX they are playing a terrible role in trying to keep my money. My face and head is still swollen because I had been in hospital for days trying to recover.
Consumer complaint received 2022-09-28
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. (GA)

in accordance with the fair credit report act this creditor, XXXXXXXX XXXX  XXXX, XXXX, XXXX XXXX  under 15 usc1 secton 602 states I have the right to privacy 15 usc1681 secton 604a section 2 also states that consumer agency can't furnish an account without my written instructions, under 15 usc 1666b creditor may not treat a payment on a credit card account under on open consumer credit late for any purpose. 

for the XXXX XXXXXXXX credit, I responded to a lawsuit, and they could not provide the information, it needs to be removed from my credit report.XXXX XXXX needs to remove cause limitations has been 7 years
Consumer complaint received 2019-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.Q. DATA INTERNATIONAL, INC. (UT)

I.Q. Data International Inc is reporting a debt I do not owe. I made my last payment in XX/XX/2015 and gave a 30 day notice to indicate I was leaving. They are trying to charge me for the entire time that the apartment was vacant before new renters. This debt should be past the statute in California as the date of last activity they have is inaccurate.
Consumer complaint received 2022-02-23
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

RE ACCOUNT XXXX Nissan is reporting illegal late payments on my XXXX bureau they are in violation of the FCRA law which I have attached for them to a look. I have not given the consent to report anything on my report.
Consumer complaint received 2018-07-11
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. (OK)

Experian the credit reporting company does not have live agents at any of their phone numbers XXXX, XXXX, XXXX ... regardless what combination of options you choose in their automated system. 

The only time I ever spoke to a human at Experian was several years ago when I joined as a consumer and had to pay a monthly fee. IT took an act of congress to cancel the membership a few years later, and after that, i have never spoken to a human on the phone. 

Experian has reported the incorrect address for me and I would like to get it corrected. Also I would like to unfreeze my account so I can apply for credit as their automated system online is also not letting me do this.
Consumer complaint received 2017-08-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (MT)

OneMain Financial said I was approved for a personal loan of up to {$6800.00}. Not " pre-approved '' nor " tentatively approved '', but " approved ''! Then they did not honor their promise. This kind of deceptive business practice must stop.
Consumer complaint received 2022-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have already sent multiple letters to the Credit Bureau but havent received any response from them. The negative accounts are persistently reporting on my Credit Report, which causes negative outcome to my credit. I would like to request for an immediate steps for the removal of the accounts reporting on my credit report in violation of Federal Law. This information seems to be misleading. 
XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX XXXXXXXX XXXX : {$2500.00} XXXX XXXX XXXX : {$1200.00} XXXX XXXXXXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$15000.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance {$360.00} Collection : XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$3600.00} XXXX XXXX XXXX XXXX : {$340.00} XXXX XXXX XXXX XXXXXXXX Balance : {$230.00} Late Close : XXXX XXXX Balance : {$0.00}