davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (VA)

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I May review to see if this is actually an account that belongs to me
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

From XX/XX/2022 - XX/XX/2022 CAPITAL ONE has been in violation of federal laws by adding late payments on an unexplained adverse action of the account. CAPITAL ONE closed the account and then begin reporting late payments which is a violation OF FCRA. ALL balances and late payments that has been reported are inaccurate information. Also, they have recently placed the account in charge off status but is reporting a balance which is a violation. According to IRS PUBLICATION charge offs are considered as income and income is to not be reported on my credit report. CAPITAL ONE is also reporting a business account on my credit report which I do not give consent for them to do so.
Consumer complaint received 2016-11-05
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (OK)

Hello my name is XXXX XXXX and I am writing in regards to the company known as Big Picture Loans. On XXXX XXXX I was approved for a loan that was set for XXXX dollars. Upon receiving the loans I was told by the representative via phone that there would be a charge finance charge in the amount of XXXX but I still took the loan. After accepting the loan that I noticed that my first payment was more than what I was told over the phone. So of course I contacted them but they were no help at all. I was placed on hold numerous times only to be let down after every hold. So I reviewed the email that they sent regarding my loan after I was approved and reviewed the truth in lending disclosure ( in which by the way I had no idea about upon receiving my funds ) The APR of the loan was 989.1897 % with a finance charge of {$6000.00} ... .Also stating my payments would be XXXX after paying off the loan. I was extremely confused as to why this information was not given to me before I accepted and I have only made one payment. But I am for sure that with an APR that high that this is illegal. I would not have had a problem paying off the loan amount had it not been XXXX XXXX dollars but I am even more upset because I was lied to and information was hidden from me before accepting. Please look into this company because it seems like a major scam and I am hoping that you all can help me get this issue resolved. Thank you so much for your time and have a good day.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Global Lending Services LLC (LA)

I have reviewed my Consumer Reports and noticed that I have Inquiries on account ( s ) that I do not recognize nor do I hold accounts for. I have kept a respectable credit portfolio prior to this and I am afraid this will prevent me from any future credit opportunities. This is an inaccurate reporting on my credit report and Consumer Reporting Agencies have a responsibility to report information to the best of their ability with maximum accuracy. I called these lenders and they could not confirm with me the legitimacy of these inquiries and I asked them to have them removed but they informed me this is the only way. I have tried to resolve this numerous times by beaching to both the creditors and the Credit Bureau. These inquiries I want removed are : 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and provide proof with statements showing that these inquiries belong to me. If proof can not be provided I demand that these accounts be deleted from my Credit Report Immediately.
Consumer complaint received 2023-03-30
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)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-01-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: West Virginia Housing Development Fund (WV)

West Virginia Housing Development Fund ( WVHDF ) is incorrectly reporting balances on XXXX XXXX credit reports. They either need to delete XXXX XXXX completely or make the balances correct. I personally have a mortgage with WVHDF and on a monthly basis I have to dispute the incorrect balance. I also work for a bank and can see other WVHDF customers incurring the same issue.
Consumer complaint received 2015-07-27
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (WA)

XXXX XXXX XXXX XXXX is involved in my loan according to my servicer, XXXX XXXX and a new trustee, XXXX XXXX. I have contacted XXXX XXXX XXXX Division in New York and was referred to Chase Clearing House Corp and Chase Securities. I was told that those XXXX entities are now what XXXX XXXX use to be. I am checking to see if Chase Clearing House Corp and/or Chase Securities have beneficiary status of my property. Please advise. The loan number in question is XXXX. Originator was XXXX who is now XXXX XXXX XXXX. The property address is XXXX XXXX XXXX XXXX, XXXX XXXX WA XXXX ( which is the original zip code that would have been used through the securities exchange ). ( The zip code changed to XXXX ). The specific pool is XXXX that XXXX XXXX claims the loan is tied to. I have yet to see any original assignment made by the past alleged trustee XXXX to the XXXX XXXX XXXX - Depositor. Please advise. Thank you.
Consumer complaint received 2016-08-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (FL)

Equifax is reporting a duplicate account with negative rating. With documentation from CFPB that shows reporting is wrong, letter from company apologizing that report is wrong, and calling Equifax and they state it is wrong. The report continues to report a duplicate account even after several attempts to dispute on line. 
Next phase will be suing Company and Equifax to false reporting.
Consumer complaint received 2017-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (OR)

I 've recently opened up a credit card wit h Costco aka citi bank  once receiving my card I once they spelled my name wrong as  XXXX   XXXX  instead of  XXXX   XXXX   XXXX  I got my first statement I Immediately paid the amount off in full I called today to get a paid in full  letter & close out my account this company then started to give me a hard time saying that they could n't verify my phone number the same number that I opened up my account with all I was trying to do is close out my out it was so easy opening up my account but so very difficult trying to close out my account they have ca lled my mortgage company & my other creditors & still refused to close my account I 'm   XXXX   XXXX   XXXX   & this was a bad situation for me my member number is  XXXX
Consumer complaint received 2015-03-26
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Genesis Lending (TX)

Ive paid all of my XXXX loans and now im recieving this letter in the mail an it says i owe XXXX more dollars. I went to XXXX and wen i got out and called after recieving my paper work in the mail they said hat they paid back the remaining balance of what was not used to the loan company so i paidn off all the XXXX loans and the XXXX loans that i had witch included them taking my tax return almost XXXX dollars im super irritated with this XXXX so someone needs to do some reaserch and figure out how many debt collection agencies have my loans and why i keep getting more of these places contacting mesayin i owe them thousands of dollars when all together i only owe XXXX dollars period
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I May review to see if this is actually an account that belongs to me
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mercedes Benz Financial Services (VA)

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the proof that my account was charged off, but they were unable to do so. 
I literally traded my car in and they are reporting it as a charge off on my credit report, which is harming me.
Consumer complaint received 2022-09-06
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. (CA)

This is my 2nd letter that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) The consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4300.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5500.00}, XXXX XXXX XXXX XXXX Opened : XXXX. XXXX, XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX, XXXX XXXX Opened : XXXX. XXXX, XXXX Balance : {$0.00}XXXX XXXX XXXXXXXX : Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX  Amount : {$0.00}, and U.S. Bankruptcy Court XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  Amount : {$0.00}.
Consumer complaint received 2022-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc. (FL)

There was a secured credit card with SELF FINANCIALXXXX XXXX which I opened XX/XX/XXXX. The account number in reference is XXXX. 

There are several discrepancies being reported to each of the XXXX credit reporting agencies. 

The first discrepancy is that when I initially opened this account ( XXXX XXXX ), I only placed a {$100.00} security deposit for the secured credit card account. This does reflect my statement with the account being reported with a {$100.00} credit limit to the credit reporting agencies. 

The next discrepancy is that the account only has ever had a high balance of {$110.00} which exceeds the credit limit of {$100.00} applied to the secured card as a deposit and final payment should the account be closed. 

SELF FINANCIALXXXXXXXX XXXX reports that this account is in a charge off status as of XX/XX/XXXX with a past due amount of {$61.00}. 

If the past due amount is {$61.00} and the only highest amount is {$110.00} that the account has ever been then this would settle the account in full. 

I also received a notification via e-mail in XXXX stating that my account had been closed and SELF FINANCIALXXXX XXXX  would direct deposit {$75.00} due to closure. I received the {$75.00} then I have this account reflecting as a charge off on my account. There are obviously several discrepancies that are carelessly being reported to the credit reporting agencies based on this information.
Consumer complaint received 2017-02-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc. (TX)

My student loans are with Nelnet. They are in in forbearance. Yet my credit reports show numerous late pays. I am positive that this should not have been reported. I always made sure to do my forbearances in a timely fashion AND would check to make sure that nothing would be reported.
Consumer complaint received 2022-09-06
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: Santander Consumer USA Holdings Inc. (TX)

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 an Purpose
Consumer complaint received 2023-03-30
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. (CA)

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX XXXX XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$500.00} XXXX XXXXXXXX Balance : {$960.00} XXXX OF XXXX XXXX Balance : {$180.00} XXXX XXXXXXXX Balance : {$500.00} XXXX XXXX XXXXXXXX Balance : {$8400.00} XXXX XXXX XXXXXXXX Balance : {$430.00} XXXX XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$500.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-08-01
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Bank of America has refused to fairly consider a claim for unauthorized use of a debit card for XXXX transactions at a merchant where other authorized transactions have occurred. Each unauthorized transaction was processed as a " credit '' transaction ; no PIN was involved. The merchant has a video of the perpetrator who used the debit card and can confirm that the person depicted in the video is not the account holder. Bank of America has not contacted the merchant as requested and Bank of America refuses to compare the signatures of the unauthorized transactions to other authorized transactions with this merchant.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BMO Bank, N.A. (CA)

Bank of the west currently known as Bmo is reporting falsely on my credit report. They do not fix the error I have paid them ontime and they report 30 days late to the credit report Im requesting for this error to get fixed as soon as possible Account number XXXX
Consumer complaint received 2024-03-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC. (NY)

I purchased a vehicle from healey in beacon on XX/XX/2023. It was a rushed deal. Was paying XXXX a month for the trade in which was good. I told them I wanted to pay that a month for the 2023 jeep renegade. So I signed the papers under the impression that that was what I was going to pay. Then after the fact they tell mebI would be paying XXXX a month. I WAS VERY UPSET. THATS A MORTAGE. I HAD NO CLUE THEY ROLLED OVER THE OTHER LOAN. HOW DO I qualify for a XXXX loan if my credit was not so hot. It's an illegal loan. Yes I wanted a new car but not at that cost. So I went back to them to see if they can refinance or put me in a used car instead to lower my payments. They refused. So now I am told my car is only worth XXXX. I want lower payments hard to cover my other bills
Consumer complaint received 2016-02-25
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BB&T CORPORATION (AL)

I have a issue where Bb & t has withheld funds since XXXX 2015. My account was abrubtly closed without given me a reason with $ XXXX in the account. Ive attempted to resolve this numerous times in the branch that I opened the account and no one can tell me anything.
Consumer complaint received 2015-09-18
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BB&T CORPORATION (MD)

We contacted Susquehana about refinancing our HELOC. The broker explained the eligibility requirements and the terms of the loan. One of the key factors was an introductory rate of 2.49 % that would last for 12 months and then the loan would convert to a variable rate of prime minus a .25 % discount for having a Susquehana free checking account with automatic loan payments deducted from that account. The broker explained there was a loan to value ratio ( LTV ) we could not exceed taking into account our primary mortgage. We explained that the purpose of the loan was to pay off the original HELOC which was $ XXXXand to have the ability to use the HELOC for home improvement and potentially a down payment on a second home. The broker told us that we were approved for a {$420000.00} HELOC and we assumed that based on a XXXX appraisal of our home and approximate first mortgage of {$700000.00}, that this number represented an acceptable amount within the acceptable LTV parameters. We were never presented with any alternate loan figures or told that by agreeing to this amount, we would not be within the promised variable rate after the first year of prime minus .25 %. So we accepted the offer and closed on the loan. 
The first year of the HELOC payments were as expected. During the course of the year, we only used under {$300000.00} of the HELOC. However, at the one year mark, the loan payments doubled. When we inquired what the new rate was, we were told that our loan reset to prime plus .25 % ( instead of the expected minus .25 % rate ). When we asked why, we were told that our overall loan amount at closing exceeded the XXXX % LTV and therefore we were not entitled to the prime minus .25 % rate. 
The broker never explained that if the HELOC LTV ratio exceeded a certain percentage that the introductory rate would reset to a higher APR after the first year. And we were never given an option of borrowing less so we would not exceed the LTV. Indeed, we did not use 70 %. 
We immediately contacted Susquehanna and asked if they could lower the loan limit to bring us within the acceptable LTV limit but they could not. And they refused to reset the rate to the original promised rate. 
At this point we feel that they maximized the loan figure for their own benefit. We had no way of knowing this would occur or that we were not within the acceptable LTV ratio until after the first year when the rate changed. By then, it was too late and we are stuck with a higher loan we do n't need and with higher interest payments. In addition, we ca n't refinance because we would be stuck paying additional closing costs.