davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: K2 Lending, Inc. (CA)

When I refused to sign anti-steering form he reluctantly agreed to send me a comparison that I requested - with lender credits. But the interest rate ( not talking about the APR which I expected to be higher ) went up .25 %. The lender skirted the question when I put it to his attention that the rate with .41 points was lower on that day - and it feels to me like it is a penalty for me exercising my rights. 

Lender stated ( in writing ) that he charges no processing fees. The he sent me a CD with a {$520.00} processing fee. He explained - in writing - that is is going to their 3rd party processor. But that processor is in-house! How can that be considered a 3rd party? 

In determining my debt they are using second party sources and ignoring first party sources. There is incorrect student loan debt on their source and they refuse to use the original debt processor - XXXX, preferring to use incorrect secondary reporting. 

While paying off minimal credit debt ( around $ 2K total ) the won't take a CRA or printout as proof but want written letters from the banks after giving me under 10 days notice to make the payments - essentially creating an impossibility - as they want something not within my control. BTW, I paid the debts immediately. I carry no other debt besides the student loans and a mortgage and have a FICO over 800. They insist that I pay down substantial student loans that are overstated - which they are or should be aware of. 

Thanks for your help and guidance.
Consumer complaint received 2018-10-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: LCO Financial Services, LLC (NE)

Due to financial hardship, I was unable to make my semimonthly loan payment. I requested ACH ( automatic withdraw ) to be removed from my Blue Trust Loan account on XX/XX/18 via email and again via telephone on either XX/XX/18 or XX/XX/18. I received verbal confirmation that this was done. Despite this, on my next payment due date, the full amount was automatically withdrawn from my account. When I called to complain, I spoke with " XXXX '' and was again told that ACH was going to be removed from my account, but they would not refund the amount taken without my approval. I was essentially told that I owed that amount and they could collect it via ACH even without my approval. I am concerned they will continue to automatically take money out of my account without approval. I called the bank and they were likewise unable to stop payment.
Consumer complaint received 2022-03-07
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: EQUIFAX, INC. (GA)

To Whom it May Concern, According to my most recent credit report, the below company is currently reporting to the three credit bureaus that I applied for credit with your organization. I did not grant you authorization to review my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus. 



The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. 



Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry. 



Thank you XXXX XXXX
Consumer complaint received 2020-12-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XX/XX/XXXX, it was around the XXXX that i noticed that alot of money was missing from my Bank of Amercia edd account. So I called them right away. which ended up being a serious chore..it took me 5 days of calling ... being put on hold and hung up on when i finally did talk to a person in their claims dept.on the phone, as well as transfered to departments/places that had nothing to do with boa. to say the least it became a full time job just to be able to file a claim about someone stealing a large amount of my money..which i was putting aside to get me a place. me and my wife in XXXX just lost everything we owned and our place to live due to the valley fire.. that money was our place to live. it was all we had at this point. when i finally did get in touch with someone i gave them dates and amounts even where they took the money from. on XX/XX/XXXX someone took XXXX dollars from a B.O.A atm in XXXX ca, than XX/XX/XXXX they took another XXXX dollars from a boa atm in XXXX ca, on XX/XX/XXXX {$800.00} from a boa atm in XXXX again XX/XX/XXXX another {$800.00} in XXXX from a boa atm and than on XX/XX/XXXX another XXXX from a boa atm in XXXX XXXX ca. i live in XXXX and havent heard of of 2 of these places let alone been to any of them.when i was finally able to talk with someone and file a claim about this I was informed that it would take about 2 weeks to get my money back. I did call numberous times to check on the status of this missing money but never got any answers or informed that within a matter of hours of opening this claim they shut my claim however i was never informed of these actions until this past monday XX/XX/XXXX. i had talked to the claims depe many times but was never informed that they closed my claim so i have been waiting all this time and spoken to them on mthe status of my claim however i was never told that my claim was closed or that i had to reopen it to get my money back that was takin and needed so i could get a place to live.now its been almost 2 months later ... and im having to start all over but this time .... I AM GON NA BE HOMELESS TOMORROW BECAUSE I CANT PAY FOR A SPOT NOR CAN I PAY FOR THE ROOM ANY LONGER.DUE TO THIS MISSING MONEY I CANT RENT A PLACE. I DONT HAVE THE MONEY TO PAY FOR THE HOTEL XXXX M STAYING IN. i DONT HAVE ANYONE I CAN ASK FOR HELP OR A PLACE TO STAY. I HAVE EXPLAINED THIS TO THEM but all i seem to get is the run around.
Consumer complaint received 2023-01-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CA)

This timeline is regarding Venmo XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX submits a {$450.00} security deposit via Venmo for a vacation rental made through booking.com XX/XX/XXXX XXXX XXXX checks out and upon immediate inspection there is a clogged and inoperable dishwasher and a broken bed. 
XX/XX/XXXX {$430.00} in expenses were incurred due to repairs to the dishwasher and bed and {$16.00} was returned to XXXX XXXX. On that same day, she filed a dispute with Venmo XXXX. The claim is never received the item. 
XX/XX/XXXX the Venmo application would not allow me to upload the photographic evidence along with the receipts so Venmo provides a link via email to do this. 
XXXX Venmo refunds her the {$450.00} WITHOUT ALLOWING me the opportunity to respond to this claim!! 
XXXX Appeal is filed due to 1 ) Venmo failing to allow me to respond to XXXX dispute and 2 ) Venmo app failure to allow me to upload the evidence. I am given until XXXX to provide this evidence. Venmo asks for photos of damage. 
XXXX A Copy of the reservation is provided to Venmo along with the written exchange in which XXXX confessing to the bed damage. Further, I also provide photographic evidence of a damaged and clogged dishwasher and broken bed slats. I also include a copy of the receipt of the appliance repair company. All of this evidence is irrefutable evidence of the damage caused by XXXX. 
XXXX Venmo confirms receipt of this evidence. 
XX/XX/XXXX After not hearing from Venmo on the evidence provided, I email to follow up. No response. I also called and am asked to email again. 
XXXX I called customer support and the email response asks me to call. I am then asked to email Venmo. 
XX/XX/XXXX I call and email Venmo due to the time that has lapse without a response. I am told that this matter will be escalated to account specialist team and to expect a response. 
XX/XX/XXXX One day after the multiple calls made, Venmo representative XXXX XXXX indicates that after careful investigation the appeal is denied. 
There was no careful investigation because there was no response from Venmo for months until I started to press for a response from Venmo. Secondly, the evidence of the photographs, the receipt, and the WRITTEN CONFESSION from XXXX herself that she damaged the bed should be enough evidence to prove without question that the damages were incurred and that as such I have a right to be reimbursed for these damages. The guest did receive the item, in this case a reservation with a security deposit.
Consumer complaint received 2022-03-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

To Whom it May Concern, According to my most recent credit report, the below company is currently reporting to the three credit bureaus that I applied for credit with your organization. I did not grant you authorization to review my credit report. 

XXXX ( Hotel and travel ) XXXX ( Retailer ) XXXX XXXX  ( Bank ) NXXXX XXXX XXXX XXXX XXXX XXXX The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus. 



The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. 



Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry. 



Thank you XXXX XXXX
Consumer complaint received 2022-06-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/22 I disputed with TRANSUNION the accuracy of account XXXX XXXX # XXXX. They closed the account on XX/XX/22 but reinserted it on XX/XX/22 and failed to notify me within five days of this reinsertion which is a violation of the FCRA. Please see attached document. 

This is grounds for the removal of this account from my credit report immediately.
Consumer complaint received 2022-03-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (MO)

On XX/XX/2022, I visited the Chase Branch at XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX and spoke with XXXX XXXX to open an account. I provided XXXX with my Missouri drivers license, Social Security card and my U.S. Passport. While XXXX was entering information in the system an alert appeared stating to contact a 877 number. XXXX made several calls and was told that no new accounts could be opened for me. XXXX asked for a reason why no accounts could be opened, and I also inquired and there was no reason given as to why I couldn't have an account opened. 
I reviewed my XXXX and XXXX XXXX XXXX accounts and there is no notices found there either. I am requesting that Chase provide a written response as to why I can't have an account opened with them.
Consumer complaint received 2022-03-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

Back in the fourth quarter of 2021 I applied with Mr. Copper mortgage company to have my Private Mortgage Insurance ( PMI ) removed from my loan. I was told that I would need to pay for an appraisal of the property at XXXX XXXX XXXX XXXX XXXX, Mo. XXXX. 
I agreed to this and they said they would have the appraiser contact me, I setup a meet with my tenant and the appraisal was done. After more than six weeks I called Mr. Copper and they said the appraiser did not turn in the paperwork. 
I asked what were they doing to contact the person, because I knew from my tenant that he had performed the job, and this was the second time I had ordered an appraiser on this property to get the PMI taken off. Finally I called XXXX XXXX customer service and they got it taken off and said it would be effective XXXX XXXX. I called Mr Copper and told them I was sending {$630.00} because XXXX XXXX said my PMI was no longer needed. Mr. Copper sent me a letter saying that my PMI in the amount of XXXX had been removed this letter was dated XX/XX/2021. I sent Mr. Copper payment for the amount of {$630.00} for the XX/XX/2021 payment which I showed it would be with the {$57.00} removed. Then they raised my XXXX payment to {$740.00} and then they corrected that after they ran an escrow review and said my XXXX payment would be XXXX for a {$21.00} increase of my taxes insurance stayed the same. I paid the shortage amount in a separate check {$250.00} thinking it would keep my payment the same, but it only decreased it to {$640.00} I was told I would have to wait until next XXXX. I requested to do my own Escrow and was told I do not have enough equity in the house to do my own escrow, but had enough to remove my PMI? They also said I could not because there had been lender placed insurance on this property. Please examine the paperwork that I am including.
Consumer complaint received 2018-05-11
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: LEXISNEXIS (IL)

The plain and simple truth is that LexisNexis failed to respond in the 30 days per FCRA.In the initial complaint no matter the substance, LexisNexis failed to respond in the 30 days per FCRA. In LexisNexis research of the judgements on XXXX XXXX file, LexisNexis failed to respond in the 30 days per FCRA. In LexisNexis not finding the bankruptcy, LexisNexis failed to respond in the 30 days per FCRA. In LexisNexis not having enough information to authenticate her identity, LexisNexis failed to respond in the 30 days per FCRA. 
Not one of these factors are the fault of XXXX XXXX. LexisNexis failure does it relieve it from its obligations per FCRA
Consumer complaint received 2021-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation (NV)

Bridgecrest is reporting a debt on my credit file that I do not owe. I recently took a look at my credit and noticed this debt was reporting on there. This debt was paid off a while ago and they have not updated a single thing. I ask that they remove the balance from my credit file and stop affecting my credit.
Consumer complaint received 2020-06-06
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

See prior recent complaint regarding my issues with USAA. Inconsistent and inaccurate credit reporting that is bringing my credit score down that is beyond the date of ( 7 year negative ) reporting. I disagree with the information the company provided in their last response as it is inconsistent and inaccurate. I was separated in XXXX ; later divorced in mid XXXX. These two accounts had been closed in XXXX. My ex later filed bankruptcy in XX/XX/XXXX, USAA then charged off the owed debts. USAA claims the delinquency began in XXXX XXXX which is incorrect. The debt had already been written off by then. Just recently, XXXX/XX/XX/XXXX - USAA began reporting late payments on my credit report bringing my score down 200 points. In addition, they added balances back onto the accounts ( that they charged off previously ), that increased my credit utilization ratio to over 51 %. This type of unethical reporting is hurting my credit score and my name. I'm now XXXX years old and XXXX. This company is causing me undue harm and stress ...
Consumer complaint received 2021-11-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Galaxy Capital Acquisitions, LLC (MA)

Galaxy International Purchasing has violated pursuant to section XXXX ( a ) ( XXXX ) of the FCRA requirements failure to notify the credit reporting agency that this account XXXX is being disputed. Failure to put the notice of dispute in the comments of credit report is a violation of the FCRA requirements by Galaxy International Purchasing. 

I have attached a copy of my credit report that doesnt show the required notice of dispute as required in comments on my report after I have disputed this account multiple times times over the past serval months. 

I have also attached a copy of the XXXX ( a ) ( XXXX ) section of the FCRA requirements for your review.
Consumer complaint received 2021-04-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

This is a very confusing situation so I will do my best to summarize it. On XX/XX/XXXX I made 2 checking account transfers from my Bank of America checking account to my XXXX checking account, each for {$800.00}. The first transfer went through and the second transfer vanished. Meaning {$1600.00}. was withdrawn from BofA but only {$800.00} ever made it to XXXX. I have been going around in circles with BofA for months now and getting wrong information and the run around. They have stated that because I authorized the transfers ( which I did ) that they will not reimburse me for the missing money. I was originally told from BofA that this was a duplicate transfer so that we should proceed as such effectively canceling one of the transfers. I have trace numbers, bank statements, etc. They have also admitted they do not know where the second transfer went but stated it's not the banks fault. XXXX number # XXXX is the one that apparently no one can find. 
Originally when I called them they said wait a few days just in case. I called back a few days later and they helped me to file a claim ( XXXX ) however we didn't know if it was the first transaction or the second one that did not go through, so when we filed the claim BofA just took the {$800.00} back from XXXX on XX/XX/XXXX and called it a Misc. Credit Adjustment. This was my money to begin with and not a favor from BofA. XXXX called it a funds transfer return and charged me a {$5.00} fee. I called back again after I realized this and BofA opened another claim ( XXXX ) and issued a temporary credit adjustment for {$800.00} on XX/XX/XXXX while they looked into the matter. That adjustment has since been taken back by BofA because they do not know where the money went. I have written 2 statements and faxed BofA my bank records from XXXX showing that only {$800.00} ever made it and the second transfer vanished. Just that info alone should be enough to realize that {$800.00} just vanished and because they don't know where it went is not my problem. All the other info BofA is stating about authorizations, etc. is irrelevant is they do not know where the money went. Again they have trace numbers and records of both accounts but somehow this is not their problem.
Consumer complaint received 2020-07-28
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. (IL)

XXXX Card keeps showing up on my credit report and its is fraud and a scam that is not my fault I already showed them my police report and FBI report also but still they have not taken it off my credit report XXXX  Card ending in XXXX I would like this taken off my report asap
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

XXXX, XXXX, & Equifax continue to report incorrect information on my conaumer file. There are several names and address listed that are not mine and I have NEVER lived there. Consumer agencies are required to report accurate information or it is a violation of the Fair Credit Reporting Act ( FCRA ). 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2022-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please remove the account completely from my Credit Report : XXXX XXXX XXXX