davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (PA)

On XXXX XXXX, XXXX I borrowed {$600000.00} from XXXX to purchase a house. I fully repaid that loan on XXXX XXXX, XXXX. However, the bank failed to report this significant transaction to the credit bureaus. They acknowledge their responsibility to do so. However, they say that they attempt to report this transaction to the XXXX main credit agencies " manually '' but the credit bureaus apparently are unable or unwilling to receive credit information " manually '' ( whatever that means ). 
I have an unfair negative credit rating. It does not reflect reality, but it complicates my life immensely. Please, help resolve this matter. I would like to propose XXXX alternative solutions : 1 - If XXXX is unable to deliver its side of the bargain they should reimburse me for all the interest and the fees that I paid them in good faith. 2 - Help our nation 's XXXX major credit agencies to become a bit more flexible. I am sure that I am not the only one who is unfairly penalized due to their lack of flexibility. 
Please see XXXX attachments:1. My letter to XXXX of XXXX XXXX, XXXX2. The response I received from the bank dated XXXX XXXX, XXXX
Consumer complaint received 2022-09-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

There are 2 unauthorized inquiries from XXXX XXXX on my Transunion report XX/XX/2022 and XX/XX/2022. I have been going back and forth between companies since XX/XX/2022 we regarding these 2 unauthorized inquiries. Transunion tells me that XXXX XXXX is supposed to investigate and XXXX XXXX tells me that transunion is supposed to investigate. I filled a police report and sent the information to the credit union. I did not get a response until XX/XX/2022. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX
Consumer complaint received 2017-01-18
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: Continental Finance Company, LLC (NC)

A little over a month ago I got approved for a Matrix and a XXXX XXXX by Continental Fiance. I never received the first set of cards. I did receive a bill for the XXXX card that said my due date was XXXX XXXX, 2017. Upon receiving this bill I call the credit company. I spoke to the agent and informed them that I have n't received my cards so how do I get a bill. The agent informed me that since I was approved the bill was printed and mail. But since I have n't received my cards I did n't have to pay it. So she looked in the system and had my cards canceled. She explain that the were printing and sending out new cards. So I received my two new cards on XXXX XXXX, 2017. I opened my mail and I call the credit company back. The agent informed me that my cards are good for use and she will re age my accounts and my new due date will be XXXX XXXX, 2017. On XXXX XXXX, 2017 I use the XXXX card and made two transactions that was accepted. The next day I was trying to use the Matrix card and it was denied. I waited until XXXX XXXX, 2017 the next business day to call the credit company back. I was informed by another agent that my cards was canceled. I explain what was going on she even looked into my accounts and say that it was re age to a new due date. She explain that the cards should never have canceled out. She also said that if I wanted to keep them I would have to open both accounts up again. I refused to do that as I did n't want another hard pull to my credit. I am now in fear that this will affect my credit in a negative way. This company had impacted my credit score in a negative way and it was not my fault at all.
Consumer complaint received 2022-09-03
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: Experian Information Solutions Inc. (MI)

In accordance with the fair credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 a Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-02-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (MD)

I began the refinance process of my primary home FHA 30 year loan to a 20 year conventional loan with Freedom Mortgage on XX/XX/2021. Freedom Mortgage is my existing lender and has been my lender for almost five years. XXXX have been very responsive and provided information requested for the most part within 36 hours. I was out of town XX/XX/XXXX through XXXX. XXXX XXXX was the customer advocated assigned to my loan XX/XX/XXXX through XX/XX/XXXX. On the XXXX he told me everything was in order and I would hear from the scheduler around XX/XX/XXXX to select a closing date. 
On XX/XX/XXXX, XXXX XXXX emailed she had been assigned as my customer advocate and she began requesting information that had already been provide. I had a telephone conversation with XXXX on XX/XX/XXXX. She told me I needed to pay closing costs because I had a second mortgage on the house. I told her I did not and had never had a second mortgage. I asked her why the terms were changing. She did not provide response. On XXXX, XXXX I requested a status update. 

I called customer service and spoke to an escalation specialist on XXXX, XXXX. She listen to my run of the history and my expressed frustration regarding good information being provided. She told me my loan was being worked and hopefully it would close soon. On XX/XX/XXXX, I emailed the CEO requesting assistance and sharing my experience. 

On XX/XX/XXXX I was sent documents to extend my locked rate until XXXX XXXX. I inquired about the date as it was a little more than a week. I was told it was anticipated my loan would close. On XXXX XXXX I was sent documents to extend my locked in rate to XXXX XXXX. On XX/XX/XXXX, I was called by XXXX XXXX. Today, I was called by XXXX who informed although it was previously determine an appraisal was not needed ; one is now being ordered. So, my loan will not proceed to closing until after the appraisal. I asked why now is an appraisal needed? She said she would have someone else call me because that is something she can not discuss.

We are just about at the 90 day mark. Freedom Mortgage has moved my loan to different teams at least 3 if not 4 times. I believe it is for the purpose of stalling and delaying closing. Delaying my reducing the interest of the existing loan that they profit. Interest rates have increased since XXXX. It is for this reason I have continued. I am not being treated fair and equitably by Freedom Mortgage. I have try to work within their existing structure to resolve the issues and have not been able. I am seeking advocacy and assistance in getting my loan to closing promptly as timely would have been in XXXX.
Consumer complaint received 2022-02-10
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: Experian Information Solutions Inc. (TN)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-06-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (TX)

I filed for a refinance loan with Quicken Mortgages. We discussed fees, appraisal and PMI insurance. I was told that my mortgage processing fee would be {$100.00} and I would not need an appraisal. When I reviewed my costs, there was a {$900.00} loan processing fee and {$600.00} appraisal fee. When asked I was told that I would need the appraisal and there would be a {$500.00} good faith application fee. My home on XXXX is valued at over two times my current loan value and I believe XXXX is low as the square footage is wrong. 

The lender will have the home appraised at way below market value so they can charge PMI insurance. The appraiser will come loaded with the proposed loan value and guess what, this is where the appraisal ends up. How do I know this? because this has already happened to me. once the appraisal is done by the lender 's choice, you are unable to argue it. It is a scam between the lender and the appraiser so they can they increase their fees and payments. Why is the homeowner not allowed to get an appraisal done, why is this controlled only by the lender?
Consumer complaint received 2022-09-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

XXXX XXXX was my Mortgage Servicer- until 2 months back. The Investor on my Loan is XXXX XXXX, I believe. So under the CAREs Act due to the Corona Virus Pandemic and the attendant hardships I faced, I was given a 18 Month Forbearance Plan. And from XX/XX/XXXX, I have resumed my Payments. I was able to log in and pay the Monthly payments regularly, on XXXX XXXX web site. I had also submitted the required paper work and requested XXXX XXXX to add the unpaid instalments to the back end of the Loan, as per the Cares Act and XXXX XXXX guidelines. They said they were working on it. But suddenly, they transferred the Servicing to SLS ( Specialized Loan Servicing ) in XXXX or XX/XX/XXXX and were no longer accepting my payments. I created an Online Account with SLS and tried to make my monthly payments. But unfortunately, the system was not accepting my payments and was demanding the entire Forbearance Amount of $ XXXX at a time. I called the SLS Customer Service both in XXXX and XXXX and made my Monthly payments over phone. In XXXX they said the file is not fully received from XXXX and I should call back in XXXX. When I called back in XXXX, I was told the Loan Modification is under progress. However I started receiving " NODs '' ( Notice of Defaults ) by Ordinary mail and Certified Mail ( copies attached ). When I called them again and asked why I am receiving these NODs, I was told to ignore them. The last I spoke to was one XXXX XXXX of SLS at XXXX XXXX  on XXXX XXXX ), who assured me that they got all the requirements and nothing is required from me. She said the Loan Modification is being reviewed and I should be hearing from them soon. But within 3 or 4 days, I got a NOD by Certified Mail from SLS. I am really at a loss to understand what is going on..
Consumer complaint received 2023-03-22
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. (NY)

On MULTIPLE occasions I disputed XXXX XXXX XXXX on my report. This was a XXXX bill from years XXXX to approximately XXXX. In XXXX I was coming out of a nasty divorce and on welfare. I HAD to go into non pay status on my electric to qualify for XXXX. So my first delinquency was in XXXX. This makes this debt 10 years old, past the point of being reported. The credit reporting agency non stop says verified. Wont provide me HOW they verified which I asked REPEATEDLY for. 

XXXXXXXX XXXX XXXX reports first delinquency was in XXXX. This is WRONG. This violates my rights. I am attaching a bill from XXXX to which shows that they are WRONG. This also proves the credit reporting agency is NOT DOING THEIR JOBS. 

Federal law ( US Code Title 15, 1681c ) controls the behavior of credit reporting agencies ( CRAs ). The specific law is called the Fair Credit Reporting Act ( FCRA ). Under FCRA 605 ( a ) and ( b ), an account in collection will appear on a consumers credit report for up to 7 years. 

To determine when an account will be removed by the CRAs ( XXXX, Equifax, and XXXX and others ), add 7 years to the date of first delinquency. The date of first delinquency is shown in credit reports. Subsequent activity, such as resolving the debt or one debt collector selling the debt to another collector, is irrelevant to the 7-year rule. 

I can continue to look or call XXXX for actual proof this goes back to XXXX for my first delinquency. But this in itself should show that this agency is not properly investigating and should be held accountable. 

I am asking for a IMMEDIATE REMOVAL or I will take this further being this is a CLEAR VIOLATION of my rights.
Consumer complaint received 2024-02-23
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. (TX)

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2017-02-13
Product: Credit card — 
Issue: Billing statement — 
Company: JPMORGAN CHASE & CO. (SC)

I received a XXXX for the tax year 2015. I filed my 2015 taxes and included it as taxable income. I pay taxable income for federal and state taxes on the XXXX Chase Credit is still reporting to XXXX credit reporting agencies that I owe a balance of {$3900.00} after the debt has been discharged and cancelled. I have made numerous calls to Chase. I have disputed the balance with XXXX credit reporting agencies, but Chase Credit Card company says there is a {$3900.00} balance. I am applying for a home mortgage, but with Chase Credit Card balance they will not do a loan. They know that Chase will put a judgement against the home. Also Chase Credit Card is lowing my credit score by showing the balance is over the {$3000.00} line of credit by 128 %. The XXXX has box # XXXX checked states " decision or policy to discontinue collection ''. Box # XXXX has the discharge date. Of XXXX/XXXX/2015. Box # XXXX states " amount of debt is actually or is deemed discharged ( canceled or forgiven ). I know this is a new area with XXXX discharging debt, but they can not receive the Government Tax write off and still want to collect money. It is against the law for Chase Credit to sell this debt to a collection company to try to collect money that I reported on my federal and state returns as taxable income and pay taxes on their issue of a XXXX. I am also contacting the Attorney General of South Carolina with this problem with Chase Credit Card. I understand that Chase Credit will still report my account as closed by creditor, but I want the {$3900.00} balance that is not owe, to be removed from XXXX credit reporting agencies. Thank you
Consumer complaint received 2022-02-10
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. (MI)

I recently discovered that I have been the victim of identity theft. Upon reviewing my credit report I noticed a negative account from XXXX and XXXX XXXX, as well as several addresses, places of employment, and phone numbers that were erroneously included in my credit file. These negative files are fraudulent and disparaging to my reputation. I would like them to be removed immediately.
Consumer complaint received 2015-05-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NJ)

I had a modification by XXXX XXXX XXXX in XX/XX/XXXX after 2 years they increased payment by {$100.00} then {$200.00}, I thought it was escrow issue but then i noticed nothing changed and filed a dispute with XXXX and they lowered my mortgage back to the agreed amount. 

After this they sold loan to Green tree. Green tree began to state i was behind on the morgage every date they provided i gave them proof of payment. With this they still sent me letters that i am going into forclosure. Recently they sent me a modification for a higher intrest rate and threatened me with foreclosure if i didnt sign, i refuse to sign because again every date they said payment was missing i gave them documentation it was paid.Also the modification payment would increase by about {$800.00} from {$2300.00} to {$3200.00}. 
They refused to accept my XX/XX/XXXX payment at first and accepted it ( XX/XX/XXXX ) they but stated next month they would charge me {$300.00} dollars more and they would still proceed with forclosure.
Consumer complaint received 2015-10-01
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I opened a checking account for my company in 2012 hoping to get some business I spent on advertisement. A customer sends me a check from a closed account from another state other than Florida, then the bank closes my account and reports ASSUMING that I acted in concert with the guy who gave me the check. In retrospect I can see that I was being setup to no avail because I was not going to send anything unless the check cleared. 

I feel that I have been labeled without proof, besides they have testament of my ethical behaviour when they deposited {$3000.00} that did not belong to me and I called for them to remove the amount ( Because it did n't belong to me ) which eventually they did after 20 days.
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX Account Number : XXXX I had no late payments made on this account. I paid this account as agreed 2. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX  I Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 4. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX  Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once
Consumer complaint received 2016-08-20
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Neon Newco Corporation (CA)

I requested a prepaid debit card from XXXX, which is issued by NetSpend, so that I could have access to my funds paid to me by XXXX.I was denied the card, because NetSpend is saying I owe them {$72.00}, and would not give me an explanation as to why I would owe them money owe a prepaid debit card.I donot owe these people any money, and I need to know why they are saying I do? I believe this a scam.I ask them to send me an explanation, he refused?
Consumer complaint received 2022-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Website functionality issues dont allow me to cancel autopay and operator over the phone was unable to help cancel it either. Every month {$100.00} gets deducted from my business banking account whether or not my card has a balance.
Consumer complaint received 2017-02-21
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Lendmark Financial Services (NC)

I have a vehicle loan with Lendmark financial. They call and harass me even if I 'm only one day late on my payment. Literally only 1 day. I was even called at my work place over {$40.00}. I made all of my payment except {$40.00} ( in advance ). And forgot about the remaining {$40.00} since I had paid so much in advance. When they called my job, they was extremely rude to my coworker, who answered the phone. After that incident I wrote a letter requesting that I not be called at any numbers listed on my paperwork any more due to the harassing calls. I requested that any contact be directly through mail. Which is my right. Since writing that letter I have been called several times. I spoke with a manager and that has not resolved anything. When I informed the calling associate of my written requested, I was asked " Why do n't you want us to call you ''. At this point the harassment is out of hand. I am almost ready to just turn my vehicle back into Lendmark to avoid all of their harassment.
Consumer complaint received 2021-11-05
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)

i've tried several times and several different ways to get my personal information corrected on my consumer report yet i haven't received any response nor update to my report. ive been a victim of identity theft and continue to reports this to the 3 major buearus to no avail.