davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC. (CA)

I like to make extra payments when I can. I made one online and was told they normally charge XXXX for an online payment? My previous mortgage lenders have never done this. I would pay random extra amounts and they would not charge me and they would apply it to the principal only. 

My latest mortgage service Arvest Central Mortgage Company told me that they would charge me for every online extra payment. I can set up bill pay thru my bank but that they would not be able to guarantee that that payment would be applied to the principal only. I pay my mortgage in full every month and have never been late. How can they charge me extra to pay my own mortgage?
Consumer complaint received 2020-12-03
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. (NJ)

On XXXX of 2020, I checked my credit score to gage the health of my credit when I found that an auto lease was placed under my name. I did some research and seeing that the companies name is XXXX XXXX XXXX. I found out that it belongs to a family member with a similar last name as me. I reached out to both the family member and the XXXX XXXX XXXX in XXXX to rectify this issue but it has not been removed from my credit profile. Please help me in solving this issue. Thank you in advance!
Consumer complaint received 2020-12-03
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. (NJ)

On XXXX of 2020, I checked my credit score to gage the health of my credit when I found that an auto lease was placed under my name. I did some research and seeing that the companies name is XXXX XXXX XXXX. I found out that it belongs to a family member with a similar last name as me. I reached out to both the family member and the XXXX XXXX XXXX in XXXX to rectify this issue but it has not been removed from my credit profile. Please help me in solving this issue. Thank you in advance!
Consumer complaint received 2021-04-12
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (VA)

I reached the end of my lease and asked for an extension which I was given. I had problems with the lease because the contract had the incorrect mileage at XXXX miles. It's my understanding that this would make the contract void. I submitted a CFPB complaint which Nissan Finance responded stating XXXX XXXX ( Dealership ) needed to correct which they have not. I was given my options : purchase, turn in, and I provided I could trade they agreed. I wanted a XXXX. I went to XXXX XXXX to purchase a XXXX and I provided the payoff from the Nissan website good thru XX/XX/XXXX. I completed a full application and credit check, with paystubs. I was told there was an additional $ XXXX for early lease termination fees. Mind you my lease ended on XX/XX/XXXX. I tried to payoff the loan again through XXXX and authorized my salesman XXXX XXXX on XX/XX/XXXX and XXXX refused to speak to Mr. XXXX with XXXX. I believe that XXXX XXXX placed incorrect mileage on the lease contract so that I would incur a large fee at the disposition. I'm the one that caught the error not Nissan Finance or XXXX XXXX. I'm not sure how many other customer 's they have done this to on a lease and they should not be permitted to add a number to the mileage and think it's permissible. This contract is void. This is a large error on their part the mileage on a lease is paramount and they made a huge mistake.
Consumer complaint received 2021-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

My Occupation on my credit reports say XXXX XXXX XXXX and XXXX XXXX '' but that isn't my place of employment. Furthermore, I have two incorrect inquiries on my credit report. XXXX and XXXX. I have already tried once to get this taken care of, I don't want to have to pursue legal action to get fraudulent inquiries removed.
Consumer complaint received 2020-12-03
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have disputed the errors on my credit report multiple times but it is still showing on it. The credit buraus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.
Consumer complaint received 2024-05-08
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: EQUIFAX, INC. (WI)

I have consistently maintained timely payments, so I'm perplexed by an error in my credit report. I seek accurate, updated records that reflect my on-time payments for those accounts.
Consumer complaint received 2020-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX  XXXX XXXX, GA XXXX SINGLE FAMILY XXXX XXXX XXXX  XXXX, GA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, MO XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, GA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, GA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, MO XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, IL XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, IL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, IL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, MO XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, IL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MO XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, IL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SINGLE FAMILY address are not mine and accounts SSNs show tooltip button Only variations displayed. Select as many as apply XXXX XXXX they ss that are mine XXXX XXXX XXXX XXXX Account Number XXXX Account Type FHA Mortgage Responsibility Individual Date Opened XX/XX/XXXX Status Foreclosed. {$67000.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$320000.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$0.00} Original Balance {$260000.00} Highest Balance {$0.00} Terms 33 Years On Record UntilXXXX XXXX Record Type Chapter XXXX bankruptcy dismissed Date Filed XX/XX/XXXX Date Resolved show tooltip XX/XX/XXXX Responsibility Individual Reference Number XXXX Reinvestigation Information This item remained unchanged from our processing of your dispute in XX/XX/XXXX. 

On Record Until XX/XX/XXXX filed ftc 60 days ago
Consumer complaint received 2021-10-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

On XX/XX/XXXX, my XXXX XXXX credit score dropped from XXXX ( excellent ) to XXXX ( very good ). I reviewed my credit report and found no errors -- all balances went significantly down, there are no inquiries, past due payments or any other adverse information. I have established a credit file more than 35 years ago. How can a credit score go down XXXX points for absolutely no reason? There is no way to dispute a credit score with XXXX. I understand that a credit score can fluctuate, but there must be a glitch here.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Hello, Capital One Auto Fin. The account is inaccurate.

Checking my 3 credit reports and the closed account is reported as inaccurate, affecting my credit score. XXXX has deleted the false reporting, and XXXX is reporting a closed acct. with an inaccurate large balance, same with XXXX. My car insurance company paid the car loan off because of an accident.
Consumer complaint received 2022-03-01
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: EQUIFAX, INC. (NC)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over XXXX days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. XXXX  XXXX ( XXXX ), it is plainly stated that a failure to investigate these items within XXXX gives a reason to immediately remove those items from my credit report it has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-12-03
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: TOYOTA MOTOR CREDIT CORPORATION (NJ)

On XXXX of 2020, I checked my credit score to gage the health of my credit when I found that an auto lease was placed under my name. I did some research and seeing that the companies name is XXXX XXXX XXXX. I found out that it belongs to a family member with a similar last name as me. I reached out to both the family member and the Toyota Financial Services in XXXX to rectify this issue but it has not been removed from my credit profile. Please help me in solving this issue. Thank you in advance!
Consumer complaint received 2020-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

Chase Cardmember Services appears to be withholding the refund of {$750.00}. 

XX/XX/2020 flight in the amount of {$750.00} was purchased through XX/XX/XXXX using credit card ending in XXXX. Flight was cancelled due to Covid-19. 
Charge was disputed via Chase online. 

XX/XX/2020 - Chase notice re : carrier contesting the dispute, and to submit additional information by XX/XX/2020 if consumer wishes to continue the process. 

XX/XX/2020 - Consumer submitted additional information via fax. 

XX/XX/2020 - Chase notice closing the dispute and determining consumer is liable for the charge. 

XX/XX/2020 - Notice from XXXX that refund has been processed, but that it is up to the credit card company, Chase, to determine when the refund will actually be received. 

See attached documents for details.
Consumer complaint received 2020-06-04
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMA Advisors, LLC. (NJ)

I closed on a HomeStyle Renovation Loan with Homebridge Financial Services on XX/XX/2020. There were two major red flags that occurred leading up to the closing, one of which was resolved after I complained. The 2nd one was discovered on the day of closing and I am still fighting with executive management level to get it resolved but no success as of yet. 

1 ) About a week prior to my closing, I received disclosure documents that had inflated fees built into my reno costs. The lender added a {$2000.00} " Rehab Fee '' that was never mentioned when I did my initial inquiry before starting the loan process. After complaining and escalating to the branch manager, XXXX XXXX, this was removed prior to closing. 

2 ) On the day of closing, I saw my amortization schedule for the first time. My XXXX begins at 137 % vs. being under 100 % as you would typically expect. This increases the length of time to reach automatic PMI cancellation at 78 % XXXX. This is a loan for a total of XXXX ( purchase price of XXXX and renovation costs of XXXX = XXXX ). The XXXX from appraisal company was $ XXXX. 

I know that the banks will use lesser of the XXXX values for XXXX but Homebridge used purchase price only. That is how they got the 137 % and get me hooked for PMI for longer than I need to. I disagreed and brought it with XXXX XXXX, who then forwarded my concern to the Renovations Manager, XXXX XXXX, who confirmed that 137 % XXXX is incorrect and that is due to a " glitch '' in their " encompass '' program. He confirmed that my XXXX should be 94.05 % to start based on a value of XXXX. 

So agreed with XXXX 's rationale as that was my argument to begin with. All I asked for was to get revised amortization schedule with the corrected LTVs showing the starting point at 94 %, not 137 %, as that would reduce the number of years to reach 78 % for PMI cancellation. 

I have escalated my email to highest of executives in the company including XXXX XXXX and XXXX XXXX for the past few weeks but no corrected amortization schedule to date. Please help me.
Consumer complaint received 2020-12-03
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: DISCOVER BANK (MA)

This account is reported so inaccurately! One bureau is reporting all good payments yet the other is all charged off. I am asking for your help to investigate and remove this account.
Consumer complaint received 2023-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2020-11-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Alamo Premier Mortgage Group Inc (TX)

*****THIS COMPANY IS A SCAM***** In 6 months of working with XXXX and XXXX, they have refinanced 0 out of 5 of our loans. They have lied about their process and told us in email multiple times that they were going to order appraisals and that loans were going to be approved " by the end of the week '' on several occasions. To this date in time, they have not refinanced any of our loans and they are refusing to give us a refund. 

XXXX XXXX has told us multiple lies which we have in emails from him. XXXX XXXX, the owner, briefly stepped in and said he was taking over the file but that lasted less than a week before he put XXXX back on it. 

After 6 months of waiting for them to just get one of our loans refinanced, something they never accomplished, we finally asked for a refund. Initially, they offered us less than half of what we paid them as long as we signed a release form and said that we were entitled to nothing. This was after XXXX induced us to sign a credit card authorization form for all 5 of our properties by telling us about their " Loan Guaranty ''. Now they are refusing to offer any sort of refund. 

We have already filed a complaint with Texas Department of Savings and Mortgage Lending and the Consumer Financial Protection Bureau.
Consumer complaint received 2021-04-29
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: Bread Financial Holdings, Inc. (TX)

I tried to dispute several items /things on my credit report such as in-accurate personal information-I tried to update my personal information with XXXX  online but no such change was made it continues to no change, these item are hurting my credit report not allowing me to fix my credit information/report. 
is /if there is a solution i would like some help.
Consumer complaint received 2021-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Equifax is reporting an alleged account. I have disputed this account on numerous occasions. Equifax keep saying that this alleged account has been verified but equifax will not send me documentation of the alleged account. A bill is NOT Documentation. Equifax is breaking the law by telling me this account is verified with out sending me the necessary documents the FCRA requires them to send the consumer. I have express all the different laws the equifax of nunneries of 609 letters and they are continuing to do the same thing. Equifax knows this is against the law. Also the debt collector is in violation of ( 15.u.s.c 1692g ) and 15 u.s.c 1692e. Please be advised that a debt collector who fails to comply with any provision of the FDCPA is liable for any actual damages sustained as a result of that failure, and punitive damages as followed by the court in an individual action up to {$1000.00}.

( FCRA ) ( 15 u.s.c 1681 and following ) requires credit reporting agencies to adopt reasonable procedures for gathering, maintaining, and distributing information. It also sets accuracy standards for creditors that provide data to agencies.

Please not that I am aware that credit is a privilege and a consumer have the right to extend 15 u.s.c 1602 ( g ) and rescind 15 u.s.c 1635 credit
Consumer complaint received 2021-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (PA)

Applied for credit online with Synchrony XX/XX/XXXX. 
Was preapproved and given a code to complete the process for full approval. 
At that time the company received all my personal info including Social Security #. 
Followed up with the code provided using the online app provided. 
During the final approval process, A photo of myself using the camera was taken, as well as photos of the front and back of my valid PA drivers license, I followed up after completing the data submission and was told my credit was denied. 
My credit score is XXXX. 
Received this vanilla email with no real explanation. 
Multiple calls and no one can explain. 

Very personally invasive process to send this response. 
somethings off. 

Correspondence Dates are in the file.
Consumer complaint received 2023-04-04
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: EQUIFAX, INC. (TX)

On XXXX I called Equifax and found out they have basically erased me from their system. They have no score and they are reporting me as having no credit history. Asked for a faxed copy of my DL and SSI card. Even though the texted me an app that took my DL SSI card and selfie. I also asked for my score and they refused to say on the phone. But would mail and knew all my address and information.
Consumer complaint received 2022-04-26
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Gurstel Law Firm, P.C. (AZ)

Threatening My fianc and I with legal action for an unverified and unvalidated debt. 
We owe no collection to any person or corporate entity. They are harassing with threatening phone calls. Sending mail on legal letterhead. Office is filled with un-licensed people pretending to be attorneys which is an actionable offense. I would also like a complaint send to the Bar Association and Attorney General. 

Upon researching the firm, They have various complaints of unethical and illegal tactics all over the United States. 

The company is flagrantly violating peoples rights under the FCRA and committing criminal fraud and extortion. They are also violation due process and violated the civil rights of individuals.
Consumer complaint received 2020-06-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: PNC Bank N.A. (NC)

I can not add accounts to send money to. Apps like XXXX, XXXX require you to link you bank account for functionality of the app. Having my money held hostage is unethical, I should have the freedom to send money or link my account to whomever I choose.
Consumer complaint received 2023-04-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.