davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-26
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Chrysalis Holdings LLC (AZ)

In the early part of XX/XX/2021, I sought to refinance my VA loan to take advantage of the equity in my home. Due to hearing ads on the radio, seeing them on television and the internet, and because of the constant barrage of mailings I receive at home, I decided to give NewDay USA the opportunity. I filled out the form online, and was contacted by an XXXX XXXX to begin the process. For nearly a month, I ensured all of the documentation I needed was obtained, the termite inspection was completed, and everything else required of me was done to satisfy the needs of the lender in order to move forward with the refinance. 

I was contacted by XXXX within the first week of XX/XX/2021 to ask about a loan modification that I recently made to my current mortgage. I explained to him that because of the COVID pandemic, and the uncertainty that so many of us felt, I took advantage of a forbearance program offered to me by my current lender, XXXX XXXX. I detailed how the uncertainty of sustained employment and being able to meet my financial obligations led me to participate in the program, and due to the legal Avenue available to me, I was granted two three-month reprieves in making my mortgage payment. At the end of that six month period, I was to participate in a trial loan modification ( which lasted three months XXXX, and at the end, resume a new mortgage with a modified payment. I met all of the requirements and was NOT delinquent in my mortgage payments, as the COVID relief legislation mandated/authorized, and my credit score was not adversely affected. 

However, because of this participation in the loan forbearance and the loan modification, I was denied credit, despite the countless assurances from XXXX that things were going smoothly and that closing would happen sometime in the middle or near the end of XX/XX/2021. 

Fast forward to today, XXXX XX/XX/2021, when I received in the mail a letter from NewDay Financial with the heading Notice of Action Taken and Statement of Reason ( s ), Statement of Credit Denial, Termination or Change stating that I was denied credit because of one checked box : Delinquent past or present obligations with others. 

This denial reason is a fabricated and blatant XXXX as I met all of the legal requirements authorized for me to use and WAS NOT delinquent in my mortgage or any other debtor/creditor through out the COVID pandemic. I find this type of lying, deceit, and downright dishonesty despicable, and NewDay should be held accountable for their false and fictitious XXXXXXXX
Consumer complaint received 2021-05-26
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Bepensa Capital, Inc. (NJ)

CREDITO REAL USA FINANCE , LLC XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, FL XXXX. HAS BEEN SENDING ME COLLECTION NOTICES IN THE AMOUNT OF {$7400.00}. I HAVE PROOF MY CAR INSURANCE PAID FULL BALANCE!
Consumer complaint received 2020-11-04
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: Experian Information Solutions Inc. (TN)

I'm very frustrated and highly upset. I've been trying to reach this bureau for their investigation results with no response. I've sent letter via certified mail dated XX/XX/2020, XX/XX/2020, and XX/XX/2020. It has been well over 60 days and this is not right. Please send the results of the investigation immediately!!!!!!
Consumer complaint received 2018-02-28
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: U.S. BANCORP (OR)

On XX/XX/XXXX a Lawsuit was filed against me by XXXX XXXX XXXX as the " successor-in-interest to the original creditor, XXXX. Represented by XXXX XXXX XXXX : Attorney XXXX XXXX. 
The lawsuit was for a " Prayer Amount : {$760.00} '' The Summons and court filing was my first awareness of either company. 

After months of paperwork filings and court proceedings ( which I have copies of it all ) a ruling was presented : " The court entered a Judgement - General Dismissal on XX/XX/XXXX in the court register. '' This credit reporting needs to be removed from my credit report. As of XX/XX/XXXX they are still reporting this account. 
In the mean time a new Attorneys Office XXXX XXXX XXXX has been contacting me regarding the same account claims from XXXX XXXX XXXX. So, even after the lawsuit and judgement XXXX XXXX has sent a new attorney to harass me for the same case. 

In calling XXXX ( the reported original creditor ) to get this removed from my credit report following the court ruling, I was informed that they where not responsible for the information any more and to call the debt collector who purchased the account from them, XXXX XXXX. 
XXXX XXXX does not respond to the information and claims that The XXXX XXXX XXXX is who to talk to, and they are unresponsive. 
In calling XXXX XXXX XXXX they are still harassing me for the same case that the court closed. 

I have been getting the run around and passed off by every person ( company ) involved in the situation. I would like for this information to be removed form my credit report as it has been closed by the Circuit Court, ruled in my favor, and all of my attempts at communication have been overlooked or passed on to someone else. 
The claim/account does not have any validity and can not legally keep getting passed to different law firms regarding the same claims. No validating information was ever presented by XXXX XXXX, XXXX, The XXXX XXXX XXXX : Attorney XXXX XXXX or XXXX XXXX XXXX, hence the court ruling in my favor. A court ruling has been decided as " Dismissed '' and all parties need to adhere to the ruling.
Consumer complaint received 2021-11-29
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: Experian Information Solutions Inc. (FL)

I entered into a contract to have my negative account deleted off my credit reports after I paid the entire balance of the account. the part of the agreement that was supposed to be upheld by the company has not. Therefore they have breached the contract
Consumer complaint received 2021-05-26
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. (NY)

im writing you guys in regards to all of the fraudulent accounts on my credit report.i am a victim of identity theft. I need it all removed. I've sent a letter to the credit bureaus with all my information and all the fraudlent accounts to be removed.
Consumer complaint received 2022-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

A number of major accounts paid XXXX balance which do NOT REFLECT ON OUR CREDIT FILES. THAT IS MINE AND MY WIFE 's. Some of the lenders do not report for 30, 60 or more days. Meanwhile our credit score does NOT REFLECT the correct debt to income,, or paid status on negatives and current loans... paid! According to Experian my score XXXX although other lenders report 30, to 50 points lower. The entire operation in my opinion a scam.
Consumer complaint received 2021-12-07
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Dovenmuehle Mortgage, Inc. (TX)

I had a forbearance with Dovenmuhle Mortgage and applied for a loan modification after the forbearance. I paid XXXX trial payments. After I made the trial payments, Dovenmuhle transferred the mortgage to XXXX XXXX who does not recognize the agreed upon loan modification with Dovenmuhle.
Consumer complaint received 2021-12-07
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: Santander Consumer USA Holdings Inc. (FL)

I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.
Consumer complaint received 2021-07-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I was the victim of Identity Theft I have a valid ID theft report from the FTC # XXXX The original lender discharged debt in XXXX  and now this collection agency is calling constantly and reporting a debt that originates as fraud and is severely harming my credit. I have notified them in writing more than twice now and they remove the debt and randomly start re-reporting which should be illegal.
Consumer complaint received 2019-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I applied for a Capital One card, and got approved but they never sent the card to my house. Apparently they sent the card to someone because they claim I owe $XXXX.How I could owe $XXXX when I never received the card in the mail.
Consumer complaint received 2019-08-20
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. (LA)

The late payments reporting on the accounts are completely incorrect. What they report is completely INACCURATE, INCOMPLETE AND UNVERIFIABLE. I am requesting that you step up and remove the late payments reported on the accounts because it is completely INACCURATE AND INCOMPLETE in reporting. Remove XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXXPortfolio RecoveryXXXX XXXX XXXX XXXX XXXXXXXX, Va XXXXXX/XX/2019Re: Acct XXXX XXXX XXXX		Dear: Portfolio Recovery   You are hereby notified under provisions of Public law 95-109 and 99-361, also known as the Fair Debt Collection Practice Act, that your services are no longer desired.Please remove me from you files and or computer systems.Cease & desist all attempts to collect the above debt. Failure to comply with this law will result in my immediately filing a complaint with the Federal Trade Commission and the State of California Attorney General’s Office. I will pursue all criminal and civil claims against you and your company.Let this letter also serve as your warning that I may utilize telephone recordings devices in order to document any telephone conversations that we may have in the future.Furthermore, if any negative information is placed on my credit bureau reports by your agency after receipt of this notice, this will cause me to file suit against you and your organization, both personally and corporately, to seek any and all legal remedies available to be by law.Best Regards.XXXX XXXX
Consumer complaint received 2021-12-07
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. (TN)

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax 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 creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : TN XXXX XXXX XXXX Balance : {$20000.00}
Consumer complaint received 2021-05-25
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have reached out to TransUnion well over 90 days ago and they have failed to comply with the investigation I asked to to do on false misleading and inaccurate information on my credit report.
Consumer complaint received 2020-10-28
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: Experian Information Solutions Inc. (CA)

On XX/XX/2020 I filed disputes with the Experian, XXXX  and XXXX. It has almost been 60 days and I still haven't heard anything from them. Why is it taking so long for them to response to me?
Consumer complaint received 2018-02-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo altered the Title Vesting and put a Cloud on the chain of Ownership by FRAUD and refuse to correct their fraudulent behavior. 

1 ) XX/XX/XXXX Refinance Documents : All Documents were Initialed, Signed, and Notarized by Borrowers ( Customers ) and Notary and accepted by XXXX XXXX. They included the preliminary ( approved on XX/XX/XXXX ) Loan Information and Vesting Instructions of Title as required for a XXXX XXXX XXXX XXXX. 
XX/XX/XXXX Documents requested Vesting of Title Change by Borrowers ( Customers ) for 1 ) Estate Reasons 2 ) Title Requirements ( XXXX Deed was an accommodation Deed and could not be re-used ) Customers were myself, XXXX, and my XXXX  ( over XXXX ) Parents. Wells Fargo was aware of the XXXX and Elder situation and appears to have been abusive by taking advantage of the situation, 2 ) Upon completion of documents, yet prior to Recording Documents with the XXXX XXXX XXXX Recorder, XXXX XXXX sent said documents to XXXX XXXX of Wells Fargo in an out of state location ( Arizona ) 3 )  Wells Fargo sent Documents they ALTERED to the XXXX XXXX XXXX Recorder. The Alterations do not agree with the referenced documents in the Notarized and Recorded Document, They do not agree with what was approved by XXXX XXXX XXXX. They put a cloud on Ownership chain and on title. 
4 ) TO COVER UP THEIR FRAUD, Wells Fargo sent the Recorded Documents to themselves in Minnesota, rather than the Buyer and left all documents regarding the transaction in the two names that would have been vested on Title. The also sent, when the loan was paid in full, the reconveyance letter to Florida where It did not belong. ( I received a Reconveyence for a Florida Home and I do not have Florida property ) When I discovered the error ( Taxes and XXXX  ) I contacted Wells Fargo and noted their error and they stated, they didnt care if they serviced the loan incorrectly since I paid it off. 
Eventually they reviewed it and stated they always pocket the money for a Title Change and leave the Title the way it is since Title only matters to the Owner. 
They review documents and refer to XXXX Documents that they can not use, yet Wells Fargo has a new and more bizarre excuse each time. 

The fact : I paid to have the Title Vested one way. My XXXX Parents and I Signed the Documents, had them notarized and submitted them to vest it that way. The Loan was contingent on the home being Vested ( Title Held ) the way the Customers signed and had it notarized by Federal Law. 

Wells Fargo altered the Vesting that was used to obtain funds. Wells Fargo broke Federal Banking Laws. Wells Fargo also altered Notarized Legal Documents and they have no signed nor referenced documentation as to why in the documents they Recorded with XXXX XXXX XXXX. They also have no signed, acknowledged, notarized, or initialed documents allowing their alterations. 

Wells Fargo altered the Title Vesting and put a Cloud on Ownership Chain by FRAUD and they refuse to correct their fraud.
Consumer complaint received 2021-05-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC (TX)

I moved residence and changed utility providers on XX/XX/XXXX, so ended my service with XXXX and made XXXX what I assumed was XXXX my final payment. They failed to mail me any additional invoice or call me with any updates/outstanding charges and I thought that we ended on good terms, since I even returned the equipment and confirmed with one of their store representatives. On XX/XX/XXXX, I saw a collection from Sunrise Credit on my XXXX  report for {$55.00}. I immediately contacted XXXX and spoke with XXXX. They ( XXXX XXXX charged me {$55.00} for an outstanding balance from a statement that they claimed was generated on XX/XX/XXXX. I asked the representative if the charge would be removed from collections and she confirmed that it would. I paid said amount in full, via their chat, and she provided me with a confirmation number. I then disputed the collection on my XXXX report and Sunrise Credit removed it, but I can only conclude that they sold off the debt to another third party ( XXXX XXXX XXXX XXXX because said party erroneously added an additional collection on my report on XX/XX/XXXX in the amount of {$120.00} for XXXX So this creditor was not even attempting to charge the original amount and XXXX failed to update the account information, which was paid in full.
Consumer complaint received 2021-01-06
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: JPMORGAN CHASE & CO. (PA)

I received a call on XX/XX/XXXX from customer service at Chase about a past due credit card payment. I knew nothing about the charge and never use the card. After looking into it further I found out it was an annual membership charge for Amazon XXXX for approximately {$120.00}. I explained I was never notified and actually thought the account was setup for autopay like all my other bills. I pay my credit cards in full almost every month and this was such a small amount. They could find where they set me up for online statements, had my bank account information but never completed the process for autopay. I explained that I have never missed a payment ever and have perfect credit. Right away they refunded all the charges and I paid the amount due. I asked to have my credit report fixed and they refused. The first person I spoke to indicated they sent me notices. I did not receive any mail notices and the 1st phone call was the XX/XX/XXXX but the account was past due almost 6 months at that point. I called back again to speak with a credit XXXXpecialist who again refused to correct my credit report. His exact words were " Chase is not in the practice of notifying customers when they are late ''. I believe any creditor has an obligation to notify a customer within certain time period of delinquency. 

It is obvious this was an error as you can look at my past credit and see I never missed a single payment ever on any loan or credit card. They acknowledged the error by refunding me all the late fees and interest but will not fix my credit. This is abusive behavior by a credit card company that will call you numerous time for you to open a card but can not notify you when something is wrong. I can show my phone records that they never called me once until XX/XX/XXXX.
Consumer complaint received 2019-08-20
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. (LA)

The late payments reporting on the accounts are completely incorrect. What they report is completely INACCURATE, INCOMPLETE AND UNVERIFIABLE. I am requesting that you step up and remove the late payments reported on the accounts because it is completely INACCURATE AND INCOMPLETE in reporting. Remove XXXX XXXX XXXX XXXX**, XXXX XXXX XXXX XXXX****
Consumer complaint received 2022-04-28
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: EQUIFAX, INC. (NY)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2021-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

XX/XX/2021, I called to have an inaccurate address removed from my credit report. They updated the address to another inaccurate address, instead of deleting inaccurate address completely. Ive never lived at the address reported.
Consumer complaint received 2019-08-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

The following companies ran unauthorized credit report on me.. XXXX XXXX, XXXX, XXXX   XXXX, XXXX XXXX XXXX, .. I never authorized such inquiry..I have never given permission for them to inquire my credit status.. Please remove unauthorized inquiries on my credit report.. This is a violation of the Fair Credit Reporting Act Section 1681b(c) and a serious breach of my privacy rights
Consumer complaint received 2018-06-14
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (OR)

My husband took a reverse mortgage in XX/XX/XXXX on our home, I was not XXXX at that time, he passed away in XX/XX/XXXX and the mortgage company ... .. XXXX XXXX, is now foreclosing on my home Refusing to allow me to become a non borrowing spouse. I have been thru 4 mediations with them and submitted extensive documents and was even approved for the XXXX according to HUD But the mortgage company refuses to acknowledge it. I need direction as to what my next step should be to save my home. I can not afford the fees an attorney will charge.