davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-02
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (OK)

Since XXXX I have been battling against XXXX where I got my student loans from. When I was included in the recent lawsuit against them and applied to have my student loans discharged due to XXXX being a fraud school. I was approved for the discharge XX/XX/2021. Thats 8 years of loans I had to work on paying back for a fraud school. I reached out to Experian filed a dispute when I noticed my student loans were still on my credit. I got the notice today that they have been removed completely not showing any payment history and drop my score XXXX points!!! All payment history gone and XXXX POINTS GONE. Ive worked hard to get my score up. XXXX and XXXX didnt take that much. If I wouldve known that then just put it back on my credit or at least show payments. XXXX points is a huge hit.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2017-12-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (ID)

I applied to refinance my existing mortgage with XXXX XXXX XXXX, XXXX. on XX/XX/XXXX,  to include the consolidation of two credit card accounts with the same bank. The estimated value of my property at the time was {$210000.00}, compared to the appraised value of the property in XX/XX/XXXX of {$180000.00}. An appraisal was ordered by Chase, and came back at {$180000.00} which I contested. The appraiser used outdated comps, and was supposedly " training '' when he visited the property. I provided the original appraisal, and current comps to my Loan Officer, XXXX XXXX, and was told the appraisal came back at {$190000.00}. The refinance process was started, and was supposed to refinance at the current rate, and consolidate the two credit cards with no cash back. 

After proceeding through the process, we closed on XX/XX/XXXX, with a mobile notary from XXXX XXXX. I was told at the closing there would be a check/checks delivered to me after processing. I was also given a Right to Cancel at the signing. I received one check on XX/XX/XXXX, made out to me for {$1600.00}, watched my accounts on line to see that the credit cards were paid. When the cards were not paid by Friday, XX/XX/XXXX, I reached out to XXXX XXXX to see when and how they would be paid. He told me that I would receive checks made out to Chase from the Title company to pay them off, and he would check to see what was happening. On Monday, XX/XX/XXXX, I was told by XXXX that the credit cards were not going to be paid off, and he would check further to see what our options were. He also referred me to his supervisor, XXXX XXXX, for possible other options. I received a call from XXXX XXXX on Tuesday, XX/XX/XXXX, that the credit cards were not going to be consolidated because the appraisal had come back at {$180000.00} instead of {$190000.00} as expected, and that my Right to Cancel had expired, and there was nothing more I could do. 

XXXX XXXX admitted to me during our phone conversations, that underwriting had changed the refinance back in XXXX, and he had missed it. He also admitted that the appraisal was only {$180000.00} vs the {$190000.00} that we were anticipating which he also missed. These were major changes in my loan application that were NOT disclosed to me before signing, and in my estimation constitute fraud on the part of Chase.
Consumer complaint received 2021-12-02
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Problem with a trade-in
Company: Volvo Car Financial Services U.S., LLC (CA)

This complaint is specific to Volvo Financial Leases. When leasing a XXXX or newer Volvo via Volvo Financial you are essentially trapped in the lease meaning they have added a clause that you can not trade it in at non Volvo dealer, can not sell to a third party, can not even transfer the lease to another consumer. I have leased vehicles previously and when I was done I simply traded it in, paid the balance ( if any ) and moved on. I have also been advised by XXXX Volvo dealerships that even the Volvo dealers are not allowed to purchase the vehicle or they could face significant fines from Volvo financial. The only way to leave the lease is for me to buy out the vehicle completely which does not make sense. 
I am certain this is written in the lease but definitely something I feel they snuck in post XXXX and shame on me for not reading every detail of the lease contract.
Consumer complaint received 2021-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am reaching out today regarding an issue regarding an incorrect MOP code that was reported on my Equifax credit profile. On XX/XX/XXXX, our mortgage lender had to re-pulled what was supposed to be final credit for the purchase of my newly built home. When credit was pulled, they had informed me that they weren't able to obtain an approval through their automated underwriting systems due to the multiple 120-day late markers for the months of XXXX and XXXX. 

My issue is that XXXX, second mortgage ( along with my first mortgage - XXXX ) were closed and transferred in XXXX and XXXX respectively. In XX/XX/XXXX, the house was sold and the third mortgage ( XXXX ) was paid in full and closed. 

Below is a snip from my credit report showing XXXX and the negative reporting that cycled for XXXX. Following the XXXX is a snip showing both XXXX and XXXX and the negative reporting that cycled in XXXX. I was told that by XXXX, the third-party vendor my lender used to pull my tri-merge credit report, that what an account is closed the final MOP code reported should not be anything other than a 1. 

XXXX reported a 60 day late in XX/XX/XXXX ( was not on prior to XX/XX/XXXX ) - Account closed and transferred in XX/XX/XXXX Homebridge and XXXX both reported 120 day late marker in XX/XX/XXXX ( again, nothing prior to XX/XX/XXXX ) - XXXX closed and transferred XX/XX/XXXX - XXXX  closed/paid in full after sale on home XX/XX/XXXX
Consumer complaint received 2021-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IL)

I have 6 hard inquires on my report that I do not recognize. I tried to explain to 3 bureaus and the creditors that I didnt recognize them and that they shouldnt be on there. They continue to tell me they cant do anything are all 6 are hard inquires so its hurting my credit. I need them gone as soon as possible. I also sent credit letter to the 3 bureaus and credit to dispute negative items and they have not been responding. Its almost been 2 months. I NEED THEM GONE NOW SO I CAN GET FUNDED FOR MY BUSINESS!!!
Consumer complaint received 2018-10-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX - XXXX Division and XXXX  XXXX XXXX XXXX XXXX dba XXXX   XXXX XXXX XXXX are in violation of Tex. Fin. Code 392.402.404, Sec. 392.101. BOND  REQUIREMENT. ( a ) A third-party debt collector or credit bureau may not engage in debt collection unless the third-party debt collector or credit bureau has obtained a surety bond issued by a surety company authorized to do business in this state as prescribed by this section. A copy of the bond must be filed with the secretary of state.

( b ) The bond must be in favor of : ( 1 ) any person who is damaged by a violation of this chapter ; and ( 2 ) this state for the benefit of any person who is damaged by a violation of this chapter.

( c ) The bond must be in the amount of {$10000.00}.
Consumer complaint received 2017-12-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Applied Data Finance, LLC (IL)

This loan was applied for without my knowledge. I waa hospitalized over a month and returned home to harrassing phone calls and emails. I have tried to talk to there fraud department and no one wants to help. My signature is not on any contract, my paystubs are easily accessible since I work for a XXXX XXXX I am a victim of identity theft and have closed any checking account that this company had access to. I have reported this to the police and the FTC
Consumer complaint received 2020-10-24
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION (IN)

Information received back from dispute to Credit Acceptance validates my reason for dispute. Letter from Credit Acceptance states the reporting is accurate. ( See attached documents of reports showing multiple errors. ) 1. Letter states account was a collection as of XX/XX/XXXX? How is this possible when my last reported payment in full is XX/XX/XXXX? 2.  Account is still on report as collection as of today. XX/XX/XXXX. This is clearly inaccurate. 3. Letter states that first delinquency date was XX/XX/XXXX? Credit Report clearly shows first delinquency date of XX/XX/XXXX. Which indicates rollback and illegal re-aging. 4. One report shows paid, and other shows as derogatory thats still in collections. These are multiple inaccuracies which are in violation of my rights under FCRA law.
Consumer complaint received 2018-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There was nothing to explain further. I have been sending letters to Transunion for months now and I have repeated myself over and over again. Bankruptcy ChapterXXXX-petition filed XXXX, XXXX XXXX # XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS
Consumer complaint received 2022-01-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (KY)

XXXX XXXX Bank sold my loan to Shelllpoint mtg. on XX/XX/2021 but Shellpoint mtg paperwork is incorrect and shows XX/XX/2021. With this incorrect date Shellpoint mtg has sent me letters stating that they will foreclose on my home. Now they have the escrow balance incorrect and say that I owe them roughly {$18.00} when they owe me over {$2600.00}. I have filed numerous complaints on their web portal. I have called numerous times, and I am trying to refinance through XXXX bank but Shellpoint refuses to correct the loan transfer date and they refuse to correct my escrow balance. This is consumer fraud and there is no one to help me. I have been working on this since XX/XX/2021 and neither XXXX XXXX who sold my loan nor Shellpoint will do anything? I have also filled out a complaint on the FBI 's portal but no one has contacted me. 

I need help with this fraud.
Consumer complaint received 2021-02-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NC)

Account with XXXX XXXX XXXX XXXX was closed on XXXX XX/XX/XXXX. XXXX XXXX XXXX continued to bill me for service for 4 more months. I contacted XXXX on numerous occasions disputing these charges. This account has been referred to over XXXX different collection agencies and my credit has been negatively affected. I have contacted all three credit bureaus and disputed this collection each time and each time this collection was removed. On XXXX XX/XX/XXXX this collection was once again placed in my credit report by I.C. System inc XXXX XXXX, Minnesota. In the state of XXXX XXXX the statue of limitations is 3 years for all collections. XXXX XXXX XXXX is in clear violation of state law.
Consumer complaint received 2018-02-26
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (IL)

Am late on a student loan payment which I just have not done the bills yet and it is under 30 days late. Navient gives my information to XXXX XXXX and they call every hour at least. I already told them it will get paid and to leave me alone.
Consumer complaint received 2021-12-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Bureaus, Inc. (IL)

The Bureaus Inc continues to violate federal and state laws pertaining to debt collection agencies. The Bureaus Inc can not and have not gave me proof of their claim that I owe them. They continue to create and attach documents which doesn't bare my signature and statements which doesn't contain my correct address. I have sent several letters to the alleged collection agency and they refuse to terminate all collection efforts. The Bureaus Inc is not licensed as a collection agency in the State of Illinois with the Illinois Department of XXXX XXXX XXXX XXXX which goes against state law, however they continue to unlawfully try to collect alleged debts. I am requesting the Consumer Financial Protection Bureau investigate into this fraudulent company and their deceptive practices and willful and negligent noncompliance with state and federal laws. 
Please find screen recording attached of me trying to search for The Bureaus, Inc collection agency license in the Illinois Department of XXXX XXXX XXXX XXXX database and no such license populated. ( I tried searching different variations of their name )
Consumer complaint received 2021-12-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (CA)

On XX/XX/, 2021, PayPal Inc. made an arbitrary and unilateral decision that I had violated their user agreement. They froze my business account and withheld all of the money within it for XXXX  days, totaling {$1200.00}. I have tried multiple attempts to appeal their decision ( my product does not violate their user agreement, and I have evidence and documentation backing up the nature of my product, hence why it was an " arbitrary '' decision on their behalf ), but my emails are never responded to other than boilerplate text without any substantive information. I have tried calling multiple times and told it is not an appealable decision. The XXXX  days of account freeze was over on XX/XX/XXXX, and I expected a check to be sent with my remaining funds. Instead, PayPal decided to keep my money and will not tell me why. All phone calls end with " Sorry, we can't tell you any information, nor can you appeal, we're keeping your money. '' They essentially stole from my legal business without recourse, and now I turn to you for help. It is a small amount, but makes a difference when that is what I rely on to survive. Please help.
Consumer complaint received 2021-12-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have reported that I sent a money amounting {$520.00} thru XXXX which most of the bank right now offer as money transfer, I already filed a claim since it was thru that money transfer it was not insured under that form of payment, They can not able to give me back the money that i sent, I tried to contact the Person whom i accidentaly sent the money he was telling me that his bank could handle it.now we were trying to reach out to the bank of that person and i think my bank already reach out to them, hopefully it work well.. 
My bank is Bank of America the transaction i dispute was sent last XXXX XXXX.
Consumer complaint received 2021-05-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (MI)

I have sent multiple documents asking LVNV Funding to verify alleged debt by providing proof of contract. LVNV has been given ample time and plenty of opportunity to provide a legitimate contract and have failed to do so at every turn. They are in default and must remove the debt from my credit report, and pay damages for falsely reporting and damaging my name and credit worthiness for so many years.
Consumer complaint received 2017-12-20
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. (NC)

The vehicle loan with XXXX XXXX XXXX/XXXX XXXX was wrongfully repossessed in XXXX 2016. The lien holder of the vehicle failed to fix electrical problems with the car. Instead of fixing the car, The car was repossessed and sold in auction. The amount the car sold for and what I owe is completely wrong. The charge off balance of the car is now reporting {$11000.00} dollars on my credit report. This is absolutely wrong.
Consumer complaint received 2021-05-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MiraMed Revenue Group LLC (AZ)

Debt was paid and settled with MiraMed Revenue group on XX/XX/21. A paid in full letter was request and was stated to be sent however, no letter was ever received. Multiple calls were made and I was told repeatedly a letter was sent every time and would arrive every time in 5 days and it has been a month. They also informed me the credit beauru would be updated and to date the accounts still show as in collections with a balance. I have continued to call and ask for Both a letter and for the account to be updated with no resolution.
Consumer complaint received 2021-12-02
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. (PA)

On XX/XX/XXXX I wrote to EQUIFAX requesting to correct my personal information. I sent them : my Current Driver 's License, 3 Utility Bills, and 3 paystubs and social security card to correct my information to fix/update my name CORRECTLY, my address and employment. I also requested that XXXX XXXX AND XXXX XXXX XXXX be verified. EQUIFAX NEVER RESPONDED AND NO UPDATES HAVE BEEN MADE TO MY CREDIT REPORTS SINCE XXXX. 

As I stated that : Credit account # 1 ( XXXX XXXX or as it may have re-appeared as XXXX XXXX 1 ) you are alleging the negative claims still yet deficit of proof of truth, correctness, completeness, timeliness, and or else wise adequate COMPLIANCE to all laws and the XXXX XXXX data field formatted reporting standards, therefore lawfully you MUST ERADICATE any and all adverse remarks : XXXX - This account keeps being allowed to modify their name and re-appearing on reports. 
Credit account # 2 you are alleging the negative claims still yet deficit of proof of truth, correctness, completeness, timeliness, and or else wise adequate COMPLIANCE to all laws and the XXXX XXXX data field formatted reporting standards, therefore lawfully you MUST ERADICATE any and all adverse remarks : XXXX XXXX XXXX
Consumer complaint received 2020-12-08
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. (TX)

XXXX XXXX {$800.00} Balance updated XX/XX/XXXX XXXX late payments Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XXXX XXXX, XXXX Account type Revolving account Usage : 73 % Balance on XX/XX/XXXX Credit Limit {$800.00} {$1100.00} Payment Info Status Paid or paying as agreed Status date XX/XX/XXXX Past due amount {$0.00} Highest balance {$1200.00} Monthly payment {$25.00} Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - - - - - - - - XXXX - - FCRA violations never late prove with wrong address and accounts
Consumer complaint received 2021-12-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I checked my consumer report and found multiple inaccurate items on my consumer report I notified the credit reporting agencies of the issues and it has been XXXX days and still no response these issues are causing me pain and suffering and humiliation
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

XXXX XXXX XXXX XX/XX/XXXX should be removed from my credit report, it is inaccurate and was closed and can not be verified. 

XXXX  XX/XX/XXXX should be removed from my credit report, it is inaccurate and was closed and can not be verified.
Consumer complaint received 2020-09-07
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: RoundPoint Mortgage Servicing LLC (FL)

Please review attachments Round Point Mortgage open a new loan account number XXXX, Principle and Boarding Amounts on XX/XX/XXXX. But Round Point Mortgage did not apply all said funds to the above account, when XXXX  XXXX XXXX forward and release the funds to new servicer Round Point Mortgage on XX/XX/XXXX. Missing mortgage payments was noted on payment history statements and the {$18000.00} check from Florida hardiest hit program also was not noted on the payment history statements.what happened to these funds? Also the XX/XX/XXXX loan modification agreement Round Point Mortgage applied fraudulently new money XXXX to that loan, what was that money for? And why did they make me pay and charge me for something I didnt know about?