davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (KS)

On XX/XX/XXXX of 2020 I requested forbearance due to covid-19 as my tenant was let go from their job and the hotel that I work for, closed. When I requested to restart my mortgage payments, Flagstar told me to submit a loss mitigation application. Which I did in its entirety. They never called me simply sent me notice saying that my application was incomplete but didnt say what was missing. I called and no one could tell me what was missing. I asked repeatedly what exactly they were looking for and they simply stated to resubmit the same documents again. So I did. Still, no phone call or update. I then call and request to speak to a new person since the person assigned wasnt helpful. The individual I got, was friendly and again she told me they closed my application due to it being incomplete but said she herself said she didnt know how it was incomplete because she could see all the documents uploaded and to resubmit everything AGAIN. So I do. She tells me she will call me every week with an update. I never received a call. I got an automated call from flagstar but no voicemail so I call back and Im told my assigned person is busy and I can request a call back. So I do. Twice. Only to be called back by someone who didnt even know why they were calling me. I explain I applied for repayment options from my forbearance and completed the loss mitigation application and she simply states let me look ... oh yeah its been denied when I ask why? She couldnt explain it to me and just said I can appeal but no options are available to me. I never received a call, a letter, anything. And she said this was decided on the XXXX and its the XXXX ... I only have 14 days to appeal and I havent even received the appeal forms in the mail they said that I shouldve. I want to keep my home and I was under the impression HUD was helping people effected by Covid do so but this has been a disaster. Theyre not helpful and they dont want me to keep my home and its obvious. Not a call, no guidance, no options. Anything. Please help me keep my home and fine flagstar for scamming people out of keeping their homes.
Consumer complaint received 2022-04-08
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: Experian Information Solutions Inc. (TX)

On XX/XX/2021, I sent XXXX XXXX member service a Cease & Desist letter in regards to account ending in XXXXpursuant to 15 USC 1605. XXXX XXXX  XXXX XXXX member service sent me a letter stating they will stop all forms of communications in regards to account ending in XXXX ( letter attached ). XXXX card Member Service closed down my account, they have also continued reporting false information on my credit report. Stating that I am 90 days past due on account ending in XXXX, which i am not able to make payments online, through mail, or phone. XXXX has continued to violet my consumer right 15 USC 1692 ( c ) ( c ). I have requested that multiple times that the cease all form of communications and also threats in regards to account XXXX ( violation 15 USC 1692 ( f ). attached are sent threats by XXXX of paying {$20000.00} on a {$7000.00} owed account which was not mines .Attached are my credit reports showing XXXX XXXX member service still attempting communication of account XXXX by stating that its 90 days late.
Consumer complaint received 2021-12-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Lending Club Corp (FL)

I opened a High-Yield Savings account on XXXX XXXX, at Lending Club Bank ( formally XXXX XXXX  ) with a deposit of {$5000.00}. Made another deposit a couple days latter. One deposit was returned. They froze the other one. I have been in touch with them regularly trying to get my money back .On XX/XX/XXXX I received a call from someone named XXXX XXXX. He told me the money had been returned to my checking account at XXXX XXXX XXXX XXXX, they never received it. Lending Club has been unable to give me a tracking number or find out what happened to my money. The Lending Club File # XXXX Please Help Me!
Consumer complaint received 2021-05-28
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: Experian Information Solutions Inc. (MA)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2022-10-12
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (TX)

I have been in a Loss Mitigation or forbearance process since XXXX. Flagstar sent me a contract that I approved, notarized and sent in payment. They cancelled the contract without me knowing it. I have been unable to come out of XXXX Forbearance successfully and have my loan modified. They tell me something different everyday.
Consumer complaint received 2021-12-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.
Consumer complaint received 2021-05-28
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. (MA)

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

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it XXXX that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed
Consumer complaint received 2021-05-28
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: EQUIFAX, INC. (CA)

I sent a letter on XX/XX/2021 regarding an inaccurate item on my credit report. Over 45 days have passed, and I have yet to receive a response. I feel as if my dispute is being neglected and Im being disregarded. According to Section 611 ( a ) under FCRA, states that failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report it has been over 45 days, therefore it should be delete immediately or litigation will be pursued due to the stress this has caused my life. Additionally, my information was impacted by the Equifax data breach and may have comprised.
Consumer complaint received 2020-11-02
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. (TX)

XX/XX/2020 Experian. 

This situation is really upsetting by the Non action by Experian, concerning the law enacted by the FCRA. The section is referring to 605B. 

I fail to understand why Experian refuses to block fraudulent accounts, per my rights under 605B.. I sent Experian a USPS certified letter on the XXXX of XXXX, and Experian received this package on the XXXX of XXXX. 

In the letter that I sent Experian, it explains that I am a victim of Identity theft. 

I followed up with Experian by telephone on the XXXX of XXXX, and was told by the representative in the fraud department, that he did not know about laws and he said that he would put the items in dispute, per company policy. I can not believe that a credit bureau would blatantly dis-reguard the FCRA. 

These items are not part of a dispute. They are identity theft ... ...!!. This is clearly a violation of the consumer laws of Identity theft, and the acts that credit bureaus are supposed to follow concerning these laws. 

I have attached my Id Theft information, and a copy of Experians obligations under the FCRA. 

XXXX  and XXXX  have blocked these accounts per my request. 


Here are the accounts .XXXX  XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX  XXXX Account # XXXX I demand that Experian block these account Immediately!!!!!!
Consumer complaint received 2023-03-04
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (CA)

Summary : My credit score now has a 7 year mark on it for late payment through extremely shifty practices from GapCard and Barclays.

I am the primary hold of our GapCard. Gap sent us new cards and had ( unbeknownst to me ) switched from XXXX XXXX to Barclays. We had automatic bill pay set up on XXXX. My wife made some purchases in XXXX and early XXXX of 2022. We never received any bills in the mail. Today I checked on my credit score and found that Barclays had issued a 30 day late payment notice that reduced my credit score by about XXXX points. I hadn't even activated my GapCard until today, and when I did so I found that it was now under Barclays and didn't even have a bank account associated with it for payments yet. So I set all that up and paid it. 

I have been monitoring my credit score because I expect to apply for a mortgage soon, and this will cost me thousands of dollars and be on my credit score for 7 years. How can GapCard get away with switching the primary cardholder to a new bank that is not set up, then never send bills or late notices, then mark me as delinquent. My address was correct in their system, and I had not signed up for electronic delivery. I had every right to expect that the card was still set up for automatic bill pay, and it was the secondary cardholder who made the charges. I hadn't even activated the new card yet. 

I immediately set up auto-pay and paid the bill, and we called Barclays, who are refunding some of the fees, but they have damaged my credit score in a way that will have a material effect on my mortgage rates, while never providing a bill let alone a late notice.
Consumer complaint received 2023-03-11
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (MD)

I have a used car business. I have merchant account with JP Morgan chase for my business. The bank kept holding the money starting from XX/XX/XXXX stating they are doing risk analysis for the account due to some transactions. After 10 days I received an email that the account will be closed and the funds will be on hold for 6 month without stating any reasons for closing the account. Many attempts from my side had been made to understand the reasons of closing or holding the money and i offered to support all documents needed which can proves that all transactions which are on hold are legal but unfortunately there was no cooperation from bank side stating that nothing i can do and i have to wait for 6 month to get my funds. The total amount which is on hold is almost {$27000.00}. This amount already hurts my business and causes alot of damages. We discovered later that the bank refunded big amount of the money to the customers who got the cars from us and when we call the bank and the representative keep lying and say no the bank still holding the money. This week on XX/XX/XXXX i received an email stating that the among on hold is only {$2900.00} which mean that there is almost {$24000.00} is lost or refunded to the customers without my authorization and when i call the bank representative again, they kept saying the whole amount still on hold however, some of the customers that i could reach that made purchase on these days confirmed that the money has been refunded to them and they were surprised why! I escalated the issue to the banks executive office but it has been almost two weeks and i am not getting any response back.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 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 2021-05-28
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. (TX)

The account is with XXXX XXXX XXXX on my Experian credit report. I have filed numerous disputes and the only thing the company changes it the CO date which is completely wrong. It originally showed that the card was charged off back in XXXX XXXX XXXX now all that is shown on there is ND and each month the CO keeps moving. Last month is was on XXXX this month it's on XXXX. This is not right you can't keep charging off an account each and every month. This is an old account that shouldn't be on my credit to begin with or should be dropping off this XXXX but with them continually moving dates I don't think it'll ever drop Something needs to be done with companies like this that constantly try to fraudulently keep things like this on peoples credit reports. I am trying to better myself and they are trying to keep me down. If you look you'll see I have tried to fix my credit and they are continually changing dates. Please let me know if something can be done about this. As I said before I keep disputing but all they are doing is changing the charge off date. Surely that cant be legal. 

Thank you for your time.
Consumer complaint received 2021-01-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc (IL)

Chime bank allowed a fraudulent account to be opened in my name. Chime will not close the account despite many attempts in my part to try. You can only contact by email. They ask for much personal information to close the account. I give it to them and nothing happens. You can not speak to a representative. 
I have my credit froze and yet they allowed this account to be opened and now will not close it There is no one to help in this matter. 
Please advise.
Consumer complaint received 2018-06-14
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. (MI)

In XXXX I filed Chapter XXXX  bankruptcy and was discharged that same year. In XXXX I noticed a collection that was on my XXXX and Equifax reports. This collection has an opening date of XXXX. This is false. The original creditor, in XXXX, gave me a personal loan. This loan was included and discharged in my bankruptcy. I provided this information to both of the above mentioned credit bureaus in XXXX. Again, this year they allowed this collection on my report. I disputed with XXXX and was advised the information they are reporting is correct. I have received zero information from XXXX or the collection agency. I have received no paperwork, no validation of debt, etc. If the collection agency were to even have proof it is dated for XXXX ( not XXXX ) and they are not the original creditor. The collection agency 's name is, XXXX XXXX for " XXXX XXXX XXXX ''. I have never heard of XXXX XXXX XXXX not have I taken out any loan with this company. They are indicated the opening date is XX/XX/XXXX. This is fraud and this information is false. How are these companies allowed to put things on your credit and lie and despite showing proof to the credit bureaus they don't care. Their resolution was that " the information is accurate ''. Where is the documentation proving that. There is nothing with a XXXX date because that is a lie that XXXX and Equifax have allowed on my credit.
Consumer complaint received 2021-05-29
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: CREDIT ACCEPTANCE CORPORATION (NJ)

I purchased a vehicle from a dealership in XXXX, NJ called XXXX XXXX XXXX XXXX. The bank that approved me for the loan was Credit Acceptance. As of today it is now well over 60 days since the date of purchase XX/XX/21. The dealership engaged in unfair and deceptive business practices, I still do not have plates for my vehicle. The bank Credit Acceptance has not only failed to obtain the vehicle title from the dealership, they have also engaged in unfair and deceptive business practices.

Credit Acceptance has violated my consumer rights by violating the FCRA. 
They have reported a vehicle loan on my credit report insinuating that I am paying them for a car that THEY DO NOT LEGALLY OWN. The bank has already paid the dealership for the car. THE TITLE WAS NEVER GIVEN TO ME, I WAS NEVER LISTED AS THE OWNER/ FINANCER OF THE CAR NOR WAS CREDIT ACCEPTANCE LISTED AS THE LIEN HOLDERS. 


THIS ACCOUNT SHOULD NOT BE ON MY CREDIT REPORT, NOR SHOULD I BE MADE RESPONSIBLE FOR PAYMENTS UNTIL THE BANK HAS OBTAINED THE TITLE AND ARE LISTED AS THE LIEN HOLDERS.
Consumer complaint received 2021-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

We have paid Transunion for their credit monitoring service for many years ( a decade or more ). We were recently ( yesterday ) turned down for a real estate loan by our bank. 

According to Transunion 's service my wife has a XXXX credit score and I have a XXXX credit score. 

According to the bank, my wife has a XXXX credit score and I have a XXXX credit score. 

The bank claims that Transunion told them that they give the bank an entirely different score then they give us through their reporting service. 

Looking at our report, there doesn't seem to be any reason my wife 's score would be that low ... and no one will give us any answers about either the difference in the score that Transunion is giving us verses what they're giving the bank, or the causes for low score they gave the bank ... other then to say that they use different " models '' for what they give to the consumer verses what they give to the financial institution. 

What's the point of giving consumers access to their credit score if the credit bureau is going to provide a different score from what the banks use???
Consumer complaint received 2021-05-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

XX/XX/21 I was notified my oldest secured card was closed by me which I did not do and I called my bank at XXXX XX/XX/21 when I saw what happened and let them know it wasnt me and he said theres nothing that can be done so I asked to make an appeal to have my account reopened and he said that he put it through and it would take 7 to 10 days but Im not sure he actually did it bc Ive received no updates as of yet.
Consumer complaint received 2021-06-22
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: WELLS FARGO & COMPANY (GA)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.