davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CO)

On XX/XX/2016 my card was lost or stolen, so XXXX XXXX placed a hold on my account while I was waiting for my new card. The person told me to wait to make a payment, so I did. When I logged into my account the due date was for the next month, so I paid on the next due date. They incorrectly submitted a late payment notice to the Credit Bureau saying I didn't pay when it was due when I was told it was due on the follow month because of the issues on my account and fraud charges. They refused to remove the late payment reporting and said it was accurate. This happens partially because when the consumer does all payments online and their account is locked or not in service, they can not access their account to make the payment. That may have changed by now. They also incorrectly display balances and payment due dates and make credit unavailable if the payment is not made on the date prescribed. Also, the payment due date is not kept online if there was no payment made with no reminder that the payment wasn't made on the due date.
Consumer complaint received 2018-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

On XX/XX/2016 my card was lost or stolen, so XXXX XXXX placed a hold on my account while I was waiting for my new card. The person told me to wait to make a payment, so I did. When I logged into my account the due date was for the next month, so I paid on the next due date. They incorrectly submitted a late payment notice to the Credit Bureau saying I didn't pay when it was due when I was told it was due on the follow month because of the issues on my account and fraud charges. They refused to remove the late payment reporting and said it was accurate. This happens partially because when the consumer does all payments online and their account is locked or not in service, they can not access their account to make the payment. That may have changed by now. They also incorrectly display balances and payment due dates and make credit unavailable if the payment is not made on the date prescribed. Also, the payment due date is not kept online if there was no payment made with no reminder that the payment wasn't made on the due date.
Consumer complaint received 2023-03-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

I deposited a check at Chase Bank on XX/XX/2023 from my insurance company XXXX XXXX, in the amount of {$20000.00}. The check was in the name of myself and my lender. The check was returned and a legal copy sent to me. I went into the branch and redeposited the check with the branch manager, the check was placed on hold until XX/XX/XXXX. Once the funds cleared my account was restricted. The bank returned to me {$1400.00} which was the monies I had over and above the deposit of {$20000.00}. I contacted Chase with my lender XXXXXXXX XXXX  and XXXX asked Chase to send another legal copy of the check to endorse-yet Chase refused and then closed the account. As of now the monies to repair my home are just sitting with Chase bank in a suspense account-and my home needs to be repaired. Would be grateful for your help.
Consumer complaint received 2022-02-08
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

In XX/XX/2021, Neiman Marcus sold off their interest in their credit cards to Capital One and transferred all of my account information over to Capital One. At that time, they deactivated my credit card account and the " auto pay '' that I had set up with them. 

After Capital One took over, it took some time for me to realize where my payments had been swapped over to and they claimed I was 30 days past my bill date ( on what was a {$25.00} minimum payment ) to the new account. 

I have no way of knowing if this is correct or not, but I have had an account with Neiman Marcus for over 7 years and NEVER had a single missed or late payment. It wasn't until Capital One took over that the very first month they HIT MY CREDIT with a late flag. 

I would appreciate them allowing me a 1x courtesy of removing the late hit on my credit and restore my account/status to normal. I have already went into their new system and set up automatic payments and have set reminders on my calendar to " check '' and ensure a payment was processed for the month so this never happens again. I know this is something they don't have to do, but I've written several letters to them and I have had no responses from them in any capacity.
Consumer complaint received 2018-11-30
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. (FL)

TransUnion File Number : XXXX. TransUnion has reinserted previously deleted information ( i.e., addresses ) and this is a major violation. Previously deleted information is governed by the Fair Credit Reporting Act ( FCRA. ) The FCRA requires a credit reporting agency to notify me no later than five ( 5 ) days after the reinsertion. Additionally, the creditor who reinserts the item must also certify the information is correct. Reinsertion of previously disputed information is governed by FCRA 611 ( a ) ( 5 ) ( B ). TransUnion is well aware that a security freeze is in place on my consumer file and such measures should prevent previous deleted information from reappearing in my file. TransUnion is very well aware that my information has been mixed with someone else who has a similar name and measures should be in place to prevent my file from continuing to be mixed with another individuals information. I want to be very clear that I have only one name, one social security number and one address. My TransUnion file should only reflect such information. The only address I have lived at is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. Please refer to the attached copy of my driver license as proof. The following addresses do not belong to me, I have never lived there and they should be deleted from my file immediately : ( address 1 : XXXX XXXX XXXX XXXX XXXX XXXX ) ; ( address 2 : XXXX XXXX XXXX XXXX, XXXX XXXX , FL XXXX ) ; ( address 3 : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , FL XXXX ). Please provide me with the source verifying these incorrect addresses. Please provide me with the method of verification for obtaining these addresses. I have attached a copy of Investigation Results from the credit reporting agencies XXXX and XXXX showing the addresses listed above have been deleted because they were mixed and do not belong to me. Attachments : Driver license, social security card, XXXX  reinvestigation results, XXXX reinvestigation results.
Consumer complaint received 2016-12-15
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Medical & Professional Collection Services, Inc. NC. (IL)

IM UNDER VA CARE, AND THEY SENT ME TO A OUTSIE DOCTOR AND THE VA DONT XXXX THE XXXX THEY SENT IT TO A COLLECTION ANGENCY.SO THE ANGGENCY GOT AHOLD OF ME AND I PAID THE BILL. AND I DISPUTED AND THEY DIDNT TAKE IT OFF MY CREDIT REPORT
Consumer complaint received 2023-03-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

Last year ( XXXX ), my escrow account paid a total tax is {$8800.00} for my new house. However, the loan company ( Lakeview Loan Servicing , LLC ) forecasted the tax number would be {$14000.00} for this year ( XXXX ). They claimed the XXXX tax is not based on a full assessment which doesn't make sense to me.
Consumer complaint received 2016-09-27
Product: Credit card — 
Issue: Cash advance fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Credit card charging interest in cash advance for entire term of loan, not only until the amount of cash advance is paid. I do n't mind paying a separate interest on {$100.00} cash advance, but they are charging me a higher or the same interest separately for the entire term of loan.
Consumer complaint received 2015-08-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc. (KS)

I was billed incorrectly by XXXX for a modem/router I returned after canceling their XXXX service in favor of XXXX. Despite submitting video and photographic proof to XXXX, XXXX sent the bill to debt collections via franklin collection services inc. I was aware of this scam and documented my return of the device.
Consumer complaint received 2016-06-06
Product: Credit card — 
Issue: Bankruptcy — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I XXXX XXXX filed bankruptcy chapter XXXX four years ago case no XXXX curently i '' m selling home and the tile company find XXXX judements against my property capital one and XXXX XXXX -credit cards. Tile company offer me they will hold the amunt of the judements for 150 % and return too me after 2 years when the judements wiil be expired Atorrney who represent me durning bankruptcy is XXXX XXXX.
Consumer complaint received 2016-12-16
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I attempted to make a retail purchase using my Capital One card and it was declined. I received a text and email ( Two-factor authentication ) to which I responded affirmatively, yet Capital One did not authorize the charge. I spoke with their fraud unit and I asked to know why the card was declined. The only explanation offered was that it is the holiday season and that falsified cards are in use and, thus, Capital One declined the charge. 

No adequate reason given. What is the point of having a credit card when the issuer can not allow you to use it? This should be illegal. Capital One 's fraud procedures are nonsensical, inadequate, and a nuisance for customers. I was in physical store and the salesman asked for my ID when he ran my credit card. That is not foolproof, but it is the best means of validation of a charge, yet Capital One ignored simple logic, ignored its own 2FA, and did all this without any premise whatsoever. This company has completely failed to meet its obligation as a credit card issuer, and I warn all consumers to stay away from using Capital One.
Consumer complaint received 2016-07-13
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (TX)

We applyed for home mortgage about 2.5 months a go with Chase mortgage. We had meeting and we thought every thing is good to go, got better rate and closing cost was discussed and at the end we end up homeless for about 12 days and still do not know when will be closing for my house even paying higher rate or more closing cost. Was all just talk.We are chase customer for about 25 years but never though of such a bad service from Chase. So may phone calls to so many supervisers are usless.need help
Consumer complaint received 2023-03-16
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. (TX)

On XX/XX/XXXX XXXX XXXX got a copy of my credit report without my permission ON XX/XX/XXXX XXXX XXXX XXXX XXXX  got a copy of my credit report without my permission Please investigate and send me a letter of what investigation you used to verify these inquiry
Consumer complaint received 2023-03-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NJ)

Per my initial CFPB COMPLAINT XXXX, Rushmore Loan Management Services continues to insist that my mortgage payment for XX/XX/XXXX was not received, even with a confirmation # XXXX & FURTHER proof from their own online portal! 
Ive attached all required documentation for review and REIMBURSEMENT!!! 

This company has completed taken advantage of the fact that I am XXXX, and has an absolute nightmare to deal with since my loan was sold over in XXXX by my previous mortgage company ( XXXX XXXX )!!!
Consumer complaint received 2023-03-16
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: LEXISNEXIS (FL)

Lexisnexis continues to violate the FCRA 623 ( a ) ( 1 ) ( A ). Lexis failed to conduct a proper investigation as they are required to do under the FCRA. I disputed a XXXX  XXXX Bankruptcy ( File Number : XXXX ) that they continue to report on my credit file that they maintain under my social security number, the ENCLOSED report highlights the ERRORS that they continue to report to XXXX, XXXX and XXXX. 1 ) Shows a Bankruptcy filing number of ( XXXX ) that number is listed INVALID by Pacer ( See enclosed report ) 2 ) Their report contains several missing items ( See enclosed report ) 3 ) Shows disposition as discharged and UNKNOWN. ( Refer to enclosed report, source Lexisnexis ) 4 ) Shows a contact number of : XXXX ( This number is invalid, See enclosed report ). Now is not the time to update this report, this file must be deleted per the FCRA or I will seek my legal remedy in Federal Court for your violations of the FCRA.
Consumer complaint received 2022-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc. (CA)

I had received a letter in the mail from Comenity Capital Bank, saying I sent a recent application for XXXX CREDIT credit card account. This was Not me! I did not apply for a credit card I have never even started to build my credit at all! Someone used my social to apply for a credit card. Someone knows my social and is using it! It states Your credit score as of XX/XX/2022 : was not able to be calculated because of inability to verify your previous credit experience I want to know if I can also get a new social because someone knows my numbers and I dont want this to happen again.
Consumer complaint received 2016-06-13
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: AMERICAN HONDA FINANCE CORP (NY)

I purchased a XX/XX/XXXX Honda Accord at the XXXX XX/XX/XXXX.The rate was high and my payment was {$400.00} a month when I had a good credit. I just found out that Honda was taken to court for charging higher interest rates to XXXX XXXX and XXXX.
Consumer complaint received 2023-03-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: United Shore Financial Services, LLC (CA)

XX/XX/XXXX I received an email stating that my loan had to be seasoned for 2 years to request PMI removal or pay {$86000.00} to remove the PMI. XX/XX/XXXX I received an email stating that I could proceed with PMI removal based on current property value & I had to pay for an appraisal or bpo. I paid for the appraisal & on XX/XX/XXXX I received an email stating that my appraisal left me with an LTV of 79.90 % but I didn't qualify now because my loan is between 2 to 5 years and the LTV needs to be 75 % but I can appeal the appraisal or pay {$23000.00} to remove the PMI. I appealed the appraisal & on XX/XX/XXXX my LTV was changed to 75.80 %. I have jumped through hoops to have the PMI removed and the LTV is being configured on a silent second due to a COVID 19 payment deferral that I had to have because I had lost income in my household, but I have since resumed making regular mortgage payments. I'm requesting to have the PMI removed from my loan based on the fact that my loan amount is {$420000.00}.
Consumer complaint received 2023-03-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (ID)

My XXXX credit report shows a debt not owed that is a result of identity theft/fraud. The Debt is in collections status through Amsher Collection Services. I have never lived in the place the debt was incurred. The debt is not mine. To my knowledge, I've never had an account with Charter Communications. A simple examination of my address history should show that I never took out an account in the city in which the Charter Communications debt was incurred. Below is the debt info taken from my XXXX Credit Report : Amsher Account Information Address XXXX XXXX XXXX, XXXX XXXX XXXX, AL XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type COLLECTION AGENCY/ATTORNEY Date Updated XX/XX/XXXX High Balance {$570.00} Original Creditor CHARTER COMMUNICATIONS LLC Past Due {$570.00} Pay Status >Collection< Estimated month and year this item will be removed XX/XX/XXXX Remarks Account previously in dispute-now resolved. reported by credit grant ; >PLACED FOR COLLECTION<
Consumer complaint received 2022-02-08
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. (MD)

After obtaining my credit report from XXXX, it has many errors to date. On XX/XX/2022 I mailed them a letter containing the inaccuracies on the report that their company furnishes. As of today, I am currently requesting correspondence from this company, since they have failed to remove the errors, and inaccuracies on my consumer report. They have also failed to furnish any Affidavit, letter, or form that I even gave them permission to create and furnish this consumer report. 

As of today, I have been violated as a federal protected consumer in pursuant with 15 USC 1692 ( j ) 15 USC 1666 ( b ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( i ) ( d ) ( 2 ), The accounts that are being reported as " derogatory accounts '' have not been verified, and currently are inaccurate, as well as all alleged
Consumer complaint received 2020-10-17
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: SYNCHRONY FINANCIAL (WA)

I applied for a XXXX XXXX XXXX XXXX credit card using the XXXX XXXX XXXX website ( XXXX XXXX XXXX  ) that took me to Synchrony Bank Application XXXX https : //etail.mysynchrony.com/eapply/eapply.action ) that I completed on XXXX XX/XX/2020. My application was not approved the same day. This is the first time in my life that I did not have credit approved. My XXXX score on the date of application was XXXX XXXX from XXXX ). 

I followed the instructions on the XXXX XXXX XXXX website and unfroze my XXXX  XXXX XXXX XXXX and XXXX  XXXX XXXX ) for this application. There is no listing of XXXX XXXX. 

On XXXX XX/XX/2020 I received the Synchrony Bank credit rejection letter dated XXXX XX/XX/2020. On this letter it was stated that my rejection was based on report provided by XXXX XXXX. 

I tried to contact XXXX XXXX via their telephone unsuccessfully. I tried to obtain my credit report via their website XXXX XXXX XXXX XXXX XXXX and was not able to via the reference numbers of the Synchrony Bank credit rejection letter.  XXXX XXXX was requiring me to enter my personal information which I am not going to do. 

I believe that I was treated unfairly as Synchrony Bank as they used a secondary source to deny me credit as I have a strong credit history of over 40 years with no credit issues. I believe that my application was not approved because I do not carry any balances on my current credit cards and that Synchrony Bank uses the outstanding balances as a revenue source and that I would not be revenue source. 

Thank you, XXXX XXXX
Consumer complaint received 2015-04-17
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: PNC Bank N.A. (PA)

I went to my local PNC bank branch where I do the majority of my banking to apply for a mortgage loan. Initially I gave them permission to run a credit report and begin the loan application process. Their originator called me to let me know that my credit score was a XXXX and my rate would be 4.125 % on a 30 year fixed, I then decided to shop the rate. I received a better rate from another lender and let PNC know this so they decided to match that rate of 4 % and not charge me any points to get there. When I finally received my credit score report from PNC 12 days later I realized that in fact my score was a XXXX ; which is obviously a significant difference. By the time I realized this mistake we were under 30 days from our close so there was n't sufficent time to shop for a new rate without losing the house we were buying. My purchase was contingent on the sale of my home ; we had a buyer and agreed on a sales price. My buyer was also using PNC and the same loan originator from the same branch. Next issue was my home appraised at $ 47K less than the agreed upon purchase price, so naturally PNC would n't underwrite the loan and now my buyer had some suspicions about the price. Luckily the buyers brother was also an appraiser and he believed our price was fair. The buyer found a new lender and they did a new appraisal which came back over our sales price. This issue resulted in us having to postpone the closing on both properties for 7 days. So now 10 days before our new close date I was informed by my lender ( PNC ) that they would no longer honor my 4 % rate without adding a fee of {$1500.00}, essentially making me buy a point to get to the previously agreed upon rate of 4 %. I was given no options or explanation, just a call from my originator to disclose the new fees. When I asked for clarification he provided no clear answers and immediately told me to contact his manager. I hung up and called the manager over the next ten days sometimes multiple times a day and I hardly heard back from her. I completely understand that phone tag is normal and people are busy but I felt as though my calls were being screened and purposely not returned in a timely fashion. In addition to this my GFE as it was explained to me was off by $ 9K as compared to my final HUD. Again the loan originator had trouble communicating the differences between the XXXX and where we missed the mark. He had me call the closing company to get an explanation of the HUD and that 's when we realized that his numbers were really out of whack. I truly feel like I was steered into an unfair loan and forced to pay a fee that was n't properly explained to me. Not to mention that initially they did n't disclose my correct credit score which did n't allow me to accurately shop for other loans. I feel like my rights were violated multiple times during this process and I really hope this story can encourage others to steer clear of situations like this.