davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (VA)

I have sent several complaints to Experian and XXXX  about fraudulent accounts and inquiries ( XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX  ), Fraudulent Inquiries : 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. Please stop closing these complaints and not investigating my claim. There is no credit repair company helping me I, XXXX XXXX is the only one disputing this fraudulent charges and inquiries. Existing complaint numbers XXXX, XXXX, XXXX. My job and top secret clearance is in JEOPARDY because of these fraudulent accounts and Inquiries. I have to provide for a family of XXXX.
Consumer complaint received 2017-09-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (IL)

In XX/XX/XXXX of 2017 I was contacted by Chase bank to be solicited banking products, and I told the rep that I was looking to refinance my construction loan so they transferred me to their mortgage group. The Rep recommended a 120 day lock product, and promised a {$3000.00} credit for closing costs. I was requested to deposit {$6000.00} to make sure I committed to borrow from them and {$500.00} for the appraisal which I paid. I asked the loan officer if this was the right product for me, given the new construction was not complete and there was risk of 2-4 weeks of delays. He assured me that his branch manager will provide at least two extensions for free, and maybe more and not to worry about it. He recommended it was the right product for me.
I moved in the property, and asked Chase to do their inspections since the property was finished inside, but had a few outside items to still be complete. The inspector identified the items, and I agreed to provide the money in an escrow to the bank and receive the funds after items were completed. The bank extended the loan and mentioned that there is no issue with extensions. After we completed the checklist the bank wanted stair railings, so I installed temporary ones to satisfy the conditions. 

Throughout the process I asked them and reminded them of terms agreed, and they mentioned up to 2 days prior that all was the same as agreed and to ignore all closing disclosures up to that point as incorrect. The day before closing I was informed that Chase no longer will provide the {$3000.00} closing credit as it had to extend the loan too many times, admitting the last two extensions were due to their fault. I was furious and asked to walk away from the deal.
I spoke to the manager, who mentioned that I will not be receiving the credit, and that they would keep {$6500.00} already paid if I walked away. I could have borrowed today at 1/8th cheaper and a closing credit.
In short, the {$3000.00} closing credit never showed up to any of the closing statements ( over 20 of them issued and told to ignore ), which makes me think they never indented to pay. They knew they could corner a customer with the extensions and as a result they could change the terms at the last minute. This is a sign of a bait and switch and wanted to report so others do n't get trapped into this lending tactics.
I attached two Closing Statements, one that had changed every week, but never mentioned the closing credit and the final one after all points and extensions that were used to scare me went away.
Consumer complaint received 2020-11-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Dovenmuehle Mortgage, Inc. (IL)

I contacted my mortgage company Dovenmuehle Mortgage , Inc in the XXXX of the pandemic to see what options they had due to my employment status and I was advised to be put on a 3 month forbearance program due to lack of work during the pandemic so I agreed. I returned back to work soon after so immediately after the 3 months passed I contacted them stating I wanted to make the payment in FULL because that was one of the options they offered and I wanted to be current and up to date on XX/XX/20 and they said no problem. I paid {$12000.00} which posted on XX/XX/20 and on XX/XX/20 my payment posted as normal of {$2500.00} and on XX/XX/20 my payment posted as normal of {$2500.00}. My statement is not reflecting off the payments I made and I'm being told my payments are all suspended which I don't understand where the money is. All I've been requesting since I made that large payment in XXXX is a payoff letter. They provided me with a few letters which aren't current and when I explain that to them they see that in there notes but refuse to correct the issue. They don't allow me to speak with the supervisor and I don't know what else there is for me to do at this point. I don't understand why they are holding the money and not applying it towards the loan. I was never informed any of the payments would be suspended. I contacted that at least 50 times from my XXXX payment and got no where. I feel taken advantage of and keep getting the run around.
Consumer complaint received 2020-11-16
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: D2 Management LLC (PA)

I received a telephone call from D2 management the week of XXXX about a XXXX XXXX debt that is from XXXX. I explained to the debt collector that I will not be paying the debt because it was an invalid debt then and it is still an invalid debt now. I also explained with the age of the debt there is no reason for me to resolve because I have more recent things on my credit that I need to clear up. I then explained that I wanted communication to cease and desist. The call ended. Yet they proceeded to place another phone call on XX/XX/XXXX with a voicemail left for me. The voicemail never stated the company name or that it was a call from a debt collector. When returning the call I realized it was the same company. They acknowledged that I advised not to call a week prior. I requested the recordings in which I was denied.
Consumer complaint received 2020-10-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Dear Sir or Madam, On XX/XX/2020, I received an alert that a hard inquiry from XXXX XXXX appeared on my Transunion Credit Report, negatively impacting my credit score. I have not requested a new loan in years, or new credit of any kind, and believe this inquiry to be fraudulent. On XX/XX/XXXX, I contacted Transunion to request more information, and was told that the only information available was the name of the inquiring bank ( XXXX ), and the date of the inquiry ( XX/XX/2020 ). I was further advised that a Letter of Deletion or Letter of Removal would have to be submitted by XXXX XXXX in order to get the hard inquiry removed from my credit report. I then contacted XXXX XXXX at ( XXXX ) XXXX on XX/XX/2020 and requested additional information regarding the inquiry. I was advised at that time by the XXXX representative that it could take up to five days for any new loan application to appear on their records, which is strange given that the inquiry already appeared on my Transunion credit report. I indicated that I had no intention of waiting five days to resolve an instance of fraud. I was informed at that time that there was nothing further that XXXX XXXX could do, as no information was available at that time. I requested credit freezes with Transunion, XXXX, and XXXX on XX/XX/2020. Subsequently, I called XXXX XXXX  again on XX/XX/2020 at ( XXXX ) XXXX. At this time I was told by the XXXX representative that any dispute would have to be resolved with XXXX XXXX XXXX lending partner, XXXX, and was subsequently connected to XXXX at ( XXXX ) XXXX. As I write this, I have been on hold with XXXX for an hour, and have yet to have my call answered other than to be placed in an automated que. I was given an initial estimated wait time of 14 minutes, and am well past that now. It seems clear that neither XXXX nor XXXX have any desire to resolve this issue, and indeed this entire maze of processing delays and call forwarding seem designed to prevent a resolution. This is identity fraud, and XXXX and XXXX XXXX are complicit. Meanwhile, I am left with having to research what options are available to correct this issue. Please advise. 
Thank you.
Consumer complaint received 2020-11-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (LA)

In XXXX 2018 I was financed through Credit Acceptance Corp of Michigan. I was low income and had a very low credit score. I'm not even sure how I managed to get the loan. Not even 3 months into the car loan I lost my job and couldn't pay the car insurance on the car. I lost my job because I was jailed for fighting and it cost me my job. I couldn't pay the insurance and the car was then stolen and totalled in a high speed chase with police. The car was flipped and it was a total loss. I sent credit acceptance the police report but they did not bother to care. They charged me 22.99 % interest on the loan and the state of Louisiana only allows up to 12 maybe 14 %. They took advantage of me me knowing I was low income and would be so excited about just getting a car. I paid {$3500.00} down payment for the car and the total amount was still {$12000.00} after the down payment which now I know is insane. They charged me for extra insurance that I knew nothing about that would have been voluntary. NOw that the car is totaled they are crushing my XXXX XXXX and continuing to add more and more to the loan which is now at over {$16000.00} and counting. I've tried to dispute it over and over again and they won't make any changes. The criminals who stole the car still have not went to trial. I now owe a tow company thousands and XXXX for a wifi box that was in the car. The loss of my job cost me my home as well so I had the car packed down with personal items that were a total loss because of the theft. Credit Acceptance knowingly ripped me off with the contract. They knew I was low income and they could take advantage of me and they are still taking advantage of me 2 years later with my credit report and the amount owed. The car was stolen and totaled in a chase with police and the criminal has still not went to trial. I am paying the ultimate price for others taking advantage of me. I do not know what to do. I can not afford an attorney and I called legal aid and they don't have any openings for me to even tell them about my story until XXXX. Credit Acceptance has wronged me and I know they did thousands of others because I read about the cases and they still have many other suits in action. I'm asking that someone please help me and stop these people from taking advantage of others. I am still walking because my credit score is trashed. I am a single mother and low income. This is insane.
Consumer complaint received 2021-08-12
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. (NY)

On XXXX XXXX, I mailed a letter disputing inaccurate or incomplete information contained in consumer reports compiled, maintained, and published by you allegedly concerning regarding the following 1. XXXX XXXX  XXXX XXXX 2. XXXX XXXX  XXXX 3. XXXX XXXX XXXX. 

I am in receipt of the response XX/XX/2021 The issues don't seem to be resolved. 
1. XXXX XXXX Account # XXXX Date of first delinquency is still not provided, missing actual payment amount and scheduled payment amount. 
2. XXXX XXXX  XXXX The Status of the account is still wrong even after you claim to have verified it. It can not be over 120 days past due. It is closed XXXX  account 3. XXXX XXXX  XXXX The Status of the account is still wrong even after you claim to have verified it. It can not be over 120 days past due. It is closed XXXX account I attached my previous letter along with the response showing the errors still reporting.
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

This car loan company is reporting increases of my balance. I have never missed a payment. They have been reporting interest increases which has caused my credit score to plummet. In my XXXX years i have never ever seen any company report the interest.
Consumer complaint received 2023-03-26
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: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX Account number : XXXX Account Name XXXX XXXX XXXX XXXX  Account number : XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (PA)

I filed a dispute with cash app ( my neighborhood is a target for package thieves ) I ordered something and never received it they cancelled out my card because of this and wont let me order another one. They accused me of fraud when I have legit proof that I was eligible for a refund from the company, even after I sent them the email they did nothing. After I communicated this with them they still tried to keep my refund and say they didnt receive it when the company clearly stated that they refunded me XXXX days ago. I really feel like Im being discriminated against! Life happens I shouldnt be at fault because I spent my money on something and somebody decided to steal it.
Consumer complaint received 2021-08-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (NY)

To whom this my concern, On XX/XX/XXXX I sent a payment to my bank few days later I sent the rest of it it went out of my bank 2 weeks later the money was returned for no reason. So the payment was late. So why was put on my credit report that I paid late. No one call me that there is a issue or what's the problem tried call the bank could not get to them. 
Please help me XXXX
Consumer complaint received 2020-05-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

I am constantly receiving information regarding foreclosure and advising me that I am late on my loan. This week alone I received 4 packets regarding loan modification and I did not request anything. I've asked citizens to inquire and stop this especially during this COVID19.
Consumer complaint received 2020-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

XXXX is a student Loan on Forbearance and they have reported to the three credit  bureaus as 90 days late. They did tell me over phone that the 90 days late will be removed since it has been on forbearance since 2018 but nothing was done till date.
Consumer complaint received 2022-08-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: ENOVA INTERNATIONAL, INC. (FL)

On XX/XX/XXXX Cashnet USA said I applied for a loan for {$500.00}. I never applied for this loan. The loan number of this XXXX. The due date for repayment was XXXX XXXX. I have been receiving ssi payments for XXXX for 41/2 years. You are not allowed to take out loans. They said I would have to make a police report. Call the XXXX XXXX XXXX XXXX XXXX. I had no results from that encounter. I do have the loan officer name who signed the loan agreement. XXXX XXXX. He signed it at XXXXXXXX XXXX on the XXXX XXXX. Vertices number. XXXX. The agent I spoke with said they deposited into an account at XXXX Bank. I have no such account. I had my bank XXXX XXXX send copies from XXXX to XXXX of XXXX and no such deposit for {$500.00} showed up.
Consumer complaint received 2020-10-29
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. (MD)

I have sent out a letter to Experian about one ( 1 ) account on my credit report XXXX  XXXX XXXX. I have asked Experian As per Section 609 of the FCRA that I am entitled to see the source of the information, which is, a copy of the original contract that contains my signature for that account ( XXXX  XXXX XXXX XXXX. I have sent out that letter on XXXX XXXX via USPS certified mail with return receipt requested. Experian signed the receipt on XX/XX/2020. Today 's date is XXXX XXXX more than 2 months after I have sent out that letter and Experian signed for it. I have never received the contract that contain my signature which I repeat is my right under the section XXXX of the FCRA and Experian keeps reporting that account ( XXXX  XXXX XXXX XXXX to my credit report. I would like to notify you that the account has been removed on my XXXX  and XXXX  credit report. Why can't Experian do the same? Does XXXX  XXXX  XXXX pay you to keep information on people report? Is it more about a business than reporting correct information? I want a copy of the original contract that contain my signature or remove immediately that accounts from my credit report. I have attached to this statement the XXXX return receipt and the copy of the original letter that I have sent to Experian. Please CFPB help me fix this issue. Experian is getting money from big companies such as XXXX  XXXX XXXX to keep information of people credit report no matter what and that is a shame!
Consumer complaint received 2020-10-29
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I have sent USAA the attached letter asking them to not call me, call me using automated dialing systems, record me, and that I am represented by an attorney yet they will NOT relent in contacting me by telephone. This is illegal under the RFDCPA. I am requesting that USAA contact my attorney RIGHT AWAY. XXXX XXXX XXXX XXXX. ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX T : ( XXXX ) XXXX - XXXX F : ( XXXX ) XXXX - XXXX XXXX XXXX
Consumer complaint received 2020-10-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (TN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Amount {$590.00} Account opened XX/XX/XXXX Last Payment XX/XX/XXXX Last Date XXXX XXXX XXXX XXXX, XXXX, XXXX per XXXX XXXX XXXX. 
Phone : XXXX On XX/XX/XXXX @ XXXX XXXX  I was contacted by a young lady @ XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX aged debit from XXXX. I advised that I had been contacted by Midland Credit Management Inc.XXXX XXXX and Midland Funding LLC regarding the same debit. The young lady advised that XXXX XXXX owns this debit and asked if I had paid them. I advised NO and she said I should not pay them as they own the debit and they are unable to report this anymore due to reporting age of debit XXXX XXXX, XXXX. 

I advised the young lady that I had disputed the items with Midland 3 different times and each time I dispute the items Midland go out and update the Date Reported date with the current date. 
Example : I just open a dispute on XX/XX/XXXX with XXXX. 
XXXX XXXX updated date reported to reflect XX/XX/XXXX amt. XXXX as Charge off status. Acct # XXXX Midland Funding acct XXXX shows date reported XX/XX/XXXX amt. XXXX as Charge off. Acct # XXXX Midland Funding XXXX XXXX XXXX updated date to reflect XX/XX/XXXX amt XXXX as Charge off. Acct # XXXX I am not understanding how this company is able to keep updating the report date nor am I understanding how they are able to report on this if XXXX XXXX owns this file. Also for the original debit Last Date of Delinquency shows XX/XX/XXXX how every for each one of Midland shows XX/XX/XXXX. 
I am trying to understand how is it that one company can report an items 3 different times by only changing account numbers and rounding up balance amount. 
I have tried to work with this company and they want the money and then advise they will not move dispute. I would like to ask to have this business reviewed as this is not fair for the consumers as I understand I owed the debit but to reproduce a debit from XXXX ( 3 times ) in one month is over the top. 

Thank you in advance for your time in reviewing my letter and hopefully assist me with this matter.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

I have sent numerous letters requesting approval and the technique for how they approved various deceitful and sketchy things on my credit report and have not gotten back anything in more than 45 days for these records that are obviously erroneous and fake records. This credit department is dismissing the law and exploiting purchasers and this has caused enormous pressure in my life. The latest affirmed letter I sent was XX/XX/2023. 


These are the accounts and their account numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting act . The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.