davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-12
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. (GA)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681, 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 public confidence which is essential to the continued functioning of the banking system. I am in distress and this matter has affected me from getting access to different forms of credit needed during a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2021-05-20
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. (NY)

On XX/XX/2021 XX/XX/2021 I sent letters to equifax as well as over the phone contact explaining to equifax that the XXXX consumer Auto loan information reported on my credit profile is fraud or error. I noticed that there report different information from XXXX
Consumer complaint received 2019-08-13
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: CREDIT ACCEPTANCE CORPORATION (MI)

Had a Truck loan with Credit Acceptance Corporation and paid it off in XX/XX/XXXX never received the release of lien for the title letter at that time XX/XX/XXXX. 
Selling the truck XX/XX/XXXX contacted Credit Acceptance Corporation to have the lien release letter faxed. 

Was advised fax to arrive within 24-48 hour. Never received Friday XXXX XXXX, XXXX and was advised it was faxed at XXXX that morning never was received. 

Re-contacted Friday XX/XX/XXXX and was told it would be faxed by the end of the day, never received. Another call Monday XXXX XXXX and was advised the fax would come with-in 15 mins, never received. Call back 2 hours later was advised Title department is closed. Still no fax of lien letter. 

I'm just continually getting the run around and lack of support, not understanding why they are keeping my lien & Title of a Truck that is rightfully mine.
Consumer complaint received 2020-11-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (CA)

My American Express Bluebird card was closed on XX/XX/XXXX for apparently violating XXXX XXXX of the card agreement. I didnt violate anything in Section 22d so I called the Bluebird customer support number which redirected to wherever it is located where chickens can be heard in the background. Here they didnt know anything but what I had been told. I tried to get my money back in a check or my account reactivated but they said the only thing they could do is give me a mailing address, the same thing the closing email told me. 

I angrily spent about {$10.00} to send a priority letter to a PO BOX in Georgia hoping to get a response quickly. However it has been 2 months with no reply. Today I called Bluebird customer support again and they couldnt do anything for me, still telling me to mail a letter and not giving me a timeframe on when Id receive a response. This is ridiculous the only way I can contact this financial institution ran by American Express is through the mail! I had about {$400.00} in the account Id like back or my card reinstated because I broke no such terms!
Consumer complaint received 2019-08-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: MoneyLion Inc. (NC)

I had an account with moneylion and at the time I took out a loan which required me to invest {$25.00} per payperiod in their investment account. I paid off the loan in full and contacted moneylion to cashout my investment on XX/XX/19. They stated to wait 10business days and the funds would be in my checking account. On the 8th business day i called to make sure the funds were still coming because the app said it takes 3-5 business days and the funds should of been there. The rep advised me everything was fine that was incorrect on the app it takes 7-10 business days if the funds are not there by Friday call but showing transfer is sucessful. Well, the funds were not in the account on the 10th business day so I called again. The gentleman advised that there request did not process and they would have to restart the process and I have to wait now an additional 10 business days. I advised him that is not what was told to me 2 days ago when I called and now the transfer did not process so me waiting a total of 20business days does not work for me I need the request fulfilled. He advised me that per his support team there is nothing they can do because they are not the holder of the investment has tp go through another party and that is where the delay is coming from. I asked for that information so I can contact them direct and never got was transfered to some lady who sent me an e-mail saying she escalated the process wpuld arrive in 3-5 business days and to date still nothing. How can you guarantee someone funds if you're not holding the funds. I just want my investment money that i put in when I had the loan that they are clearly refusing to payout!!!! I'm getting every excuse but when my loan and investment funds had to come out the account nobody hesitated to take the money!
Consumer complaint received 2021-02-03
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (VA)

I previously filed a CFPB complaint on Nissan In which I requested the following : 1. Copy of contract 2

. debt collector declaration form 3. signed agreement or verifiable proof debtor has a contractual obligation 4. any agreement that bears the signatures of the debtor. These items were spelled out in the documents uploaded. However Nissan responded with only the first 2 pages of the alleged contract and an alleged payment history. The CFPB case was closed without the items requested.

Additionally I am requesting any and all information on any and all insurance policies related to this alleged contract. 

Prior CFPB complaint # XXXX
Consumer complaint received 2020-12-06
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (WA)

I applied for refinance with Amerisave back in XXXX, 2020 and paid XXXX $ application fee. Until now, there is still no closing happened and representative still can not give me an answer on closing date. They keep saying it will happen soon. Lock in date has expired and no closing occurred. Their logo was also changed which is very fishy. They also required me to submit paystubs again even though i did that in the beginning of my application. I also see this problem occurred with other people on XXXX
Consumer complaint received 2021-02-03
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Caliber Home Loans, Inc. (CA)

I do have mortgage with Caliber Home Loans for almost 2 years now. My current interest rate is XXXX XXXX. I was on covid 19 forebearance programme with Caliber home loans until XX/XX/2020 and Iam current on my payments, I requested caliber home loans to remove me from from the covid 19 forebearance programme accordingly they removed me in XX/XX/2020, but my report shows me that Iam still in the forebearance plan, I contacted Caliber Home Loans several times to report to the credit buereaus about my current status. Now Iam trying to refinance my house at lower interest rate but becuase my credit shows that Iam still on covid19 forebearance programme I can not refinance my house
Consumer complaint received 2019-08-13
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. (CA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : 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
Consumer complaint received 2019-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

this agency expects a XXXX year old veteran with health issues to understand this jibberish after i just received a va home refi paying off all my past and over due bills. 
I have been discriminated by Trans Union!
Consumer complaint received 2017-12-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MI)

We have been working with XXXX on a short sale on this property since XX/XX/XXXX.  Several times we have lost buyers due to counter offers and delays in reviewing our offers. We have had the same buyer on board since XX/XX/XXXX and have been pending review. On XX/XX/XXXX we sent in the latest RMA ( another stall tactic from XXXX to delay reviewing the file by constantly changing the forms that are needed to proceed ). I called on XX/XX/XXXX and was told we were pending the review of the RMA. I sent an updated HUD and purchase agreement on XX/XX/XXXX since the ones we had on file had expires on XX/XX/XXXX due to delays in review. I spoke with XXXX on XX/XX/XXXX and was advised that our file was being DECLINED due to a new buyer. There was no new buyer - the agent referenced XXXX XXXX as the buyer - which was one of the original buyers from back in XX/XX/XXXX. The current buyer has n't changed since XX/XX/XXXX. She said she would escalate this and I would have an update by Monday or Tuesday. She could see that I DID NOT send in the offer from XXXX XXXX and that it appeared that someone from XXXX just randomly re-saved the old documents, which is what created the issue. Called XXXX on XX/XX/XXXX and there is no update. No one has reviewed our escalation from last week, I was told today just to " submit the new offer '' - there IS NO NEW OFFER. This is the same offer since XX/XX/XXXX. I contacted the Ombudsman department who refused to assist. They opened ANOTHER complaint and want me to wait ANOTHER 24-72 business hours for a reply.
Consumer complaint received 2019-08-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY (OR)

XXXX XXXX XXXX XXXX send the attached letter trying to collect monies that i don't owe, I have agreed on paying {$260.00} over 12 months until XX/XX/2019, also, American Express was doing automatic withdrawal from my account, thye have decided to turn it ove rot collection agency, the glowing re the facts : 1- agreed with AMEX on {$260.00} over 12 months 2- after 12 months they will show it is agreed upon payments on my credit report 3- I authorized American express to withdrawal monies form my bank account and they established this.

4- after 10 payments they send the same account collections agency. 

it is illegal and fraud.
Consumer complaint received 2023-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2021-02-03
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IA)

Equifax closes a previous case and does not investigate, their INCLUDED WITH QUOTES. 

ASKING XXXX  IF EVERYTHING IS CORRECT IS WILLINGLY HURTING ME. THIS HAS BEEN GOING ON FOR 6 YEARS, AND YOUR RESPONSE IS TO SAY YOU WILL INVESTIGATE? YOU HAVE INVESTIGATED OVER 20 TIMES AND HAVE MORE THAN HALF OF THE MONTHLY REPORTING AS INCORRECT. YOU HAVE BEEN REPORTING SOMEONE ELSE 'S ACCOUNT ON MY CREDIT REPORT FOR 6 YEARS AND YOU DO NOTHING ABOUT IT. I WILL TURN A XXXX LAWSUIT INTO MILLIONS. YOU DO NOT GET TO RUIN SOMEONE'S LIFE FOR 6 YEARS AND COUNTING AND REFUSE TO DO ANYTHING ABOUT IT. 

YOU ALSO KEEP ADDING A CALIFORNIA ADDRESS ON TO MY CREDIT REPORT THAT HAS BEEN DISPUTED OVER 5 TIMES AND YOU REMOVE IT AND ADD BACK A FEW DAYS OR A FEW WEEKS LATER. YOU SHOULD BE SUED FOR XXXX XXXX FOR RUINING LIVES. 


" Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that an investigation with the furnisher of the information has been initiated. When the furnishing company provides their findings, we will send those results to you. We hope this resolves your concerns. If you have any additional questions, you may call XXXX XXXX XXXX XXXX or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. ''
Consumer complaint received 2019-08-13
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: FACTUAL DATA CORP. (NJ)

In my recent CFBP complaint I made it very clear that Factual Data that is hired by NJHMFA New Jersey Housing and Mortgage Finance Agency, check my credit without the proper procedure according to the requirements of a government Housing program that stipulate in a clear set of guildlines that MUST be met before anyone in the community seeking housing assistance through the well known Home assistance program : The Hardest Hit Fund ... with Governmental policy underwriters making the language absolutely clear that every participant of the greatly needed help of : The Hardest Hit Fund is required to display essential documentation to qualify for such assistance, and if those requirements are not met, there should be no attempt to apply.

Therefore, as I stated in my last CFPB complaint that went unanswered or acknowledged by Factual Data or NJHMFA, who authorized the credit check of my report with out the proper documentation to complete the process to qualify if I never was able to display all required documentation as demanded from the government program, financial-current mortgage documentation- other borrower on the loan- not able to refinance and remove borrower off the loan- No signature from other borrower.

Etc.

According to policy and procedures no members of the NJHMFA is to alter or use there own discretion to decide policy if the stipulations is clearly written who qualifies and who disqualified.

My credit should not have been checked if I was strongly identified as a disqualified participant from the initial request of assistance.

Also Factual Date Stated in their previous CFPB statement that I was contacted an was aware of the attempt made by them disputing their client inquiry when the facts remain I was contacted that very day of their CFPB statement on XX/XX/2019 via phone for the first time of some sort of investigation into this matter that supposedly taken place.

I was never informed of this before hand and never received any results of this investigation via mail, or Email or via phone call.

This is a false statement from Factual Data and a attempt to avoid the facts that this inquiry was initiated at their clients direction without the proper documentation necessary to proceed.

The underwriters of this program left no room for a discretionary policy which means, No NJHMFA employee has the ability to dictate or alter the directives of the underwriters of this government program.
Consumer complaint received 2022-04-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: KEYCORP (NY)

In XXXX our mortgage payment was {$440.00} when I got my statement for how much my mortgage would be for this XXXX because every year in XXXX our mortgage payments change they either go up a little or they go down so when I received the statement for this XXXX an I saw the payment was for {$610.00} I actually flipped it went up almost {$200.00} when I went to the key bank on XXXX XXXX in XXXX an the manager looked at it he actually did not know what to say about it he used every excuse in the book why it went up the first excuse was well the gas prices went up I told him that has absolutely nothing to do with my mortgage payments then he said well maybe its your taxes they might of went up i told him right out not {$200.00} no way then he said the materials that you have to use to repair things for your home have also went up I said that should all be in my home owners insurance I am not getting any satisfaction about why this mortgage has gone up that much we have had it go up in the past but definitely never {$200.00} this is really gon na be hard on me because I have lost my Mom so she isnt here to help me with the payments here I am on XXXX for several back surgeries. Can you please help me out with this situation my mortgage is due by Tuesday if not paid then a late charge will be slapped on it can you please give me at least some ideas as what I should do because I am lost here. Can you please get my payments brought down for me please Im asking from my heart to please help me out. 

Thank you for taking the time out an reading my letter I really appreciate it very much
Consumer complaint received 2019-08-13
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. (FL)

The credit bureaus didnt follow the Fair credit Reporting law. I asked the credit bureaus for the method of verification and they didnt provide it to me. Therefore, I believe they reporting inaccurate information on my credit report. I have been trying to get those inaccurate and unauthorized information on my credit file since last year and the credit bureaus keep on giving me hard time. They dont want to follow the laws.
Consumer complaint received 2019-08-13
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio Recovery Associates called on XX/XX/XXXX. They called myself, my wife, and my brother and sister in-law. My brother and sister in-law aren't blood relatives, so they have no reason to call them. I pulled two credit reports. On one credit report they have made multiple inquiries. I haven't missed a payment since XX/XX/XXXX.
Consumer complaint received 2019-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (KS)

I bought a car from this company 6 years ago. Upon receiving the car I had to take back a few times because of maintenance issues with the car. Dealership wouldnt fix the car until I reported to the owner. Owner of the company made them fix the problem which is persist the whole time I had the car. I dealt with this problem for 5years of the loan. I was late a few times on my loan and was a great customer. Maybe, the last 5-7 months of the loan I wrecked the car. I was out of work for a bit due to the wreck of the car. I owed around XXXX of a XXXX loan and was to the end of the loan. Company was mad for me not paying the XXXX. That I owed! My plan was to pay in one payment when I received my payment for insurance. My car was reported as a charge off before 180 days of a reporting time for a charge off. I talked with someone from the company but didnt get it in writing thinking they would delete the information once paid. I was a great customer and paid my car up until the end of the loan. I only owed XXXX and I felt I was done wrong for that payment. I was stuck with a charge off on my record for 6 years now and I have been getting jacked up loans because of this treatment. This company wouldnt approve me for a new car but sent a letter 6yrs later saying Im approve for a car. The way this company treated me for XXXX I would never send a family member to them. I think the prey on people with bad credit and treat them wrong when someone falls on hard time. I didnt deserve 6years of  charge off on my account for XXXX dollars I paid. Would have been nice to Have this removed so I can move on with my life. If I would have known not to trust a company when they put charge off and say they would erase once received payment. Next time get it in writing on anything they say over the phone.
Consumer complaint received 2019-08-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

I was on the look out for a pair of XXXX XXXX XXXX yellow shoes, when i came across a guys page on XXXX XXXX. His name according to him is XXXX and we talked on XXXX XXXX where he proceeded to tell me he only took payments through XXXX or XXXX, we exchanged numbers and continued to speak through text ( i still have all of them ). After sending him the money through XXXX {$260.00} on XX/XX/2029, i asked for a tracking number to which he said he took a picture of and would send it, but he never responded to me or gave me the tracking number after multiple attempts to contact him i gave up. i contacted XXXX XXXX  and they said they couldnt do anything about it. i called my bank and because it was through XXXX they said theres nothing they can do because it was an online transaction. I basically lost {$260.00} and my bank isnt willing to help me