davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-23
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. (FL)

XXXX is reporting late payments of over 90 days for XX/XX/XXXX, as well as the months of XXXX, XXXX, XXXX, XXXX and XXXX of XXXX. During that time, I was told my loan was in deferment due to unemployment. I was told that although I would be responsible for the debt, I was not required to make payments at that time. I did however pay what I could pay, whenever I could pay it. I recently received a copy of my credit report and found all the months are reporting as over 90 days late. 
I contacted XXXX via letter and requested the incorrect information be removed from my credit report as it is incorrect and is a violation of my rights under the Fair Credit Reporting Act. I received a generic response that the information was reported accurately and absolutely no investigation was completed as to why these late payments are being reported. 
Also, I am in process of loan discharge due to false certification, however, the school that I attended has been closed down and I am finding it difficult to obtain copies of transcripts.
Consumer complaint received 2022-10-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: T.S. Holdings (CA)

I moved out of my apartment about 6 months into a 12 month lease. The landlord and I agreed they would keep the security deposit and I would move out voluntarily in 7 days. A week later I gave the building manager the keys and became homeless. 

I recently saw a collection account on my credit report for {$9600.00} from IQ Data showing the apartment building as the creditor. I called IQ Data and asked them to email me documentation about the amount. They offered to send it US mail but refused to email it to me. I am homeless and do not have a mailing address because I can not find a new apartment with their collection on my credit.
Consumer complaint received 2022-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (CA)

On XX/XX/2022 I changed my credit card number on my Apple Card due to a subscription I no longer wanted. I contacted the merchant asking that the cancel my subscription. They refused. The only option i had was to change the number on my card, hoping that would stop the merchant from charging my card. XXXX, XXXX, XXXX, the merchant, The XXXX XXXX, charged my card without my authorization. After I requested in writing that I wanted my subscription canceled and they refused to cancel my subscription and continued to charge my card. That is fraud. 

I spoke to XXXX, and XXXX, supervisor, who gave me very incorrect information when I asked HOW my card was still charge after i changed my card number? They wrongfully told me that Mastercard will give a merchant your card number if the merchant asks for it. And that is the only way the merchant was still able to charge my card after getting a new card number. I said, Ive never heard anything like that. I called Mastercard and spoke to a rep by the name of XXXX. She told me that XXXX does not have access to our card numbers and they do not give out card numbers. Furthermore, Mastercard does not have the authorization to just give out your card number to ANYONE asking as that would definitely contribute to Identity Theft. 

I had to call several times about this serious issue but was made to feel as though it was not that big of a deal. Another rep, XXXX, assisted by cancelling my card which was a step higher than just changing the card number. She also had me to remove the card from my wallet and reattach the card. She said this will stop the merchant from charging my card in the future. 

Ive attached an email from the merchant/network owner that instructs subscribers to email her if we want to cancel our subscription any time. I also attached my email, telling her to cancel my subscription. I attached a screenshot from Mastercards website that directs consumers to IMMEDIATELY contact our bank if we believe we have experienced fraud.
Consumer complaint received 2022-05-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (FL)

Received a HELOC in XXXX with XXXX XXXX. They were closed and the loan was transferred to XXXX XXXX. They transferred the loan to Ocwen, which later became PHH Mortgage. In XXXX we fell behind in payments and could no longer make the payments. I tried to negotiate with them but they declined to help in any way. In XXXX of XXXX I received a 1099C Cancellation of Debt dated XX/XX/XXXX ( Attached ) Until late XXXX ( almost 7 years later ) I did not receive anymore communication from anyone until I started receiving letters of transfer to other lenders, first it was Ocwen to PHH Mortgage, then PHH to XXXX XXXX XXXX, the XXXX XXXX to XXXX XXXX XXXX. I contacted PHH to question them on how a debt that they cancelled was now being transferred ; I have yet to get an answer to that question. I have been emailing and phoning them for months. They also emailed me a Release of Mortgage that was generated a few days ( XX/XX/XXXX ) after the 1099C was issued but was missing information. ( Attached ) We sold our home in XXXX of this year and were made aware of the court record showing this debt. Our credit reports never showed this as an open mortgage. The debt was paid in full in XXXX with our equity in our home of 25 years. I want to know if this was legal, how can a lender cancel a debt and 7 YEARS later transfer that debt to another lender after they took credit for the cancellation? Generate a Satisfaction of Mortgage, send it to me and then years later say it was a mistake.
Consumer complaint received 2019-10-23
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. (FL)

XXXX is reporting late payments of over 90 days for XX/XX/XXXX, as well as the months of XXXX, XXXX, XXXX, XXXX and XXXX of XXXX. During that time, I was told my loan was in deferment due to unemployment. I was told that although I would be responsible for the debt, I was not required to make payments at that time. I did however pay what I could pay, whenever I could pay it. I recently received a copy of my credit report and found all the months are reporting as over 90 days late. 
I contacted XXXX via letter and requested the incorrect information be removed from my credit report as it is incorrect and is a violation of my rights under the Fair Credit Reporting Act. I received a generic response that the information was reported accurately and absolutely no investigation was completed as to why these late payments are being reported. 
Also, I am in process of loan discharge due to false certification, however, the school that I attended has been closed down and I am finding it difficult to obtain copies of transcripts.
Consumer complaint received 2022-04-27
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: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

I sent a letter Portfolio Recovery asking for : 1-validation of the debt-that is, the actual accounting. 
2-Verification of a signed invoice 3-a copy of the Contract binding both parties, in a letter, by " certified mail '' so that there is an independent " witness to it having been delivered '' However according to 15 USC 1692e, 15 USC 1692d, and 15 USC 1692B. 
not use any language or symbol on any envelop or on the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that communication relates to the collection of a debt,
Consumer complaint received 2021-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX and several collection agencies continue to place this outdated paid by settlement colelction account on my credit reports. This debt should not be allowed to be purchased by collections agencies because it was paid in settlement and the date of first delinquency is too old to be reported to my credit report. The collections agencies keep changing the dates allowing the credit bureaus to keep it on my credit for longer than the allowed number of years. I have disputed this debt to all credit bureaus but they continue to say they investigate but the dates are correct but they are noted. You can tell by viewing very old credit reports that show these same depts under different collections agencies in prior years. The date to be removed date continues to change. This debt was paid in full by settlement and the date of the first delinquent is incorrect on my credit report. This account should be removed from my credit report first because the XXXX is older than 7 years and because this account was paid by the settlement to the collection agency. This Item was placed for collection in XX/XX/2004 and has remained on my credit since that time.
Consumer complaint received 2019-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX is reporting late payments of over 90 days for XX/XX/XXXX, as well as the months of XXXX, XXXX, XXXX, XXXX and XXXX of XXXX. During that time, I was told my loan was in deferment due to unemployment. I was told that although I would be responsible for the debt, I was not required to make payments at that time. I did however pay what I could pay, whenever I could pay it. I recently received a copy of my credit report and found all the months are reporting as over 90 days late. 
I contacted XXXX via letter and requested the incorrect information be removed from my credit report as it is incorrect and is a violation of my rights under the Fair Credit Reporting Act. I received a generic response that the information was reported accurately and absolutely no investigation was completed as to why these late payments are being reported. 
Also, I am in process of loan discharge due to false certification, however, the school that I attended has been closed down and I am finding it difficult to obtain copies of transcripts.
Consumer complaint received 2022-05-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (VA)

On XX/XX/2021, we processed a debit card transaction to XXXX  under order number XXXX for XXXX for the purchase of a boat engine. We NEVER received the product and we can not get a response from the vendor despite several emails to try and resolve the issue. We have been unable to call as the company is in XXXX.
Consumer complaint received 2021-12-07
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. (GA)

On XX/XX/XXXX, I had filed a dispute on Experian for a debt that has been improperly reporting on my credit report. The account with XXXX XXXX XXXX was opened in XX/XX/XXXX. Due to incontrollable circumstances in which I had no other options than to file a XXXX XXXX bankruptcy. On XX/XX/XXXX I had filed for protection under XXXX XXXX. On XX/XX/XXXX the initial notice was sent to the creditors and on XX/XX/XXXX the notice for the meeting of creditors ( date/time/place ) was sent. All three notices included XXXX. My bankruptcy was discharged on XX/XX/XXXX and XXXX  was sent a discharge of debt. I've attached a copy of the petition, meeting of creditors and discharge paperwork. Unbeknownst to me, XXXX XXXX started reporting this account with a XX/XX/XXXX open date and a XX/XX/XXXX charge off account. This was after the debt was forgiven and prior to them ever reporting on my credit. The results of the dispute didn't rectify the issue. They zeroed out the account and listed a bankruptcy date of XX/XX/XXXX and a closed date of XX/XX/XXXX. From my understanding, this is a violation of my rights under the FCRA. The update has now caused me to lose my pre-approved status on trying to purchase a new home. I've worked hard to start rebuilding myself after my bankruptcy and I was told that the way it's now reporting is valid. This debt should've never started reporting two years after my discharge nor should it be dated as closed/included in bankruptcy as of this year. This account was never reporting prior to XX/XX/XXXX, so how is it legal that they can erroneously start reporting a discharged debt in which they were informed through my petition, meeting of creditors notice, and discharge notice?
Consumer complaint received 2019-10-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Capital One denied my application for The Venture card on XX/XX/2019 based on my national origin. 
I have a credit score about 810 - 820, excellent by XXXX XXXX measurement. 
So, it is not because of a credit score. 
I called customer service on XX/XX/2019 but nobody could resolve or explain the reason. 

Capital One denied my application for the same card last year for the same reason.
Consumer complaint received 2019-10-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2022-05-16
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: Experian Information Solutions Inc. (NY)

In accordance with the Fair Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions
Consumer complaint received 2022-05-16
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. (FL)

Due to COVID-19, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. I tried contacting the Experian, XXXX and XXXX credit bureaus and told them that the bank agreed to not report the late payment accounts. I believe Experian, XXXX and XXXX are violating FCRA Sections 611 and Cares Act. Below are the accounts with erroneous information and Id like to be remedied ASAP. 
XXXX XXXX XXXX Balance : {$2600.00} ; XXXX  XXXX  XXXX Balance : {$13000.00} ; XXXX XXXX XXXX Balance : {$28000.00}.
Consumer complaint received 2022-05-16
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, DEPT OF EDUCATIONXXXX Account # XXXX, XXXX & XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, DEPT OF EDUCATION/XXXX Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. Code 1692c - Communication in connection with debt collection Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2022-05-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, DEPT OF EDUCATION/XXXX Account # XXXX, XXXX & XXXX Account XXXX XXXX, XXXX XXXX  Account # XXXX, DEPT OF EDUCATION/XXXX Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. Code 1692c - Communication in connection with debt collection Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2019-10-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY (CA)

I am with Amex Serve, the WORST WORST WORST checking account ever!!!! 
They literally made me XXXX since I haven't been able to use my account for almost a month. The cards never show up at the right address, or if they do they do not work or quit working. Then when I order a new card I get locked out of my account. They refuse to refund my money as they hold it hostage. They refuse to mail me a check to close the account without an active debit card. Then they charge me fort each card, and if I lose it they lock me out of my account entirely so I can not access my money. If I go online to try and transfer my money, it blocks me. When I try to call customer service for help, it says that I need a 15 digit account number ( card number that I dont have ), and it WILL NOT let me through to speak with one of their robot service agents to get help, and if I ever get through by absolute miracle, then they tell me that I am not allowed to have a new card because they shipped it it the wrong address so I am not allowed to close my account, request a new card, or transfer any money because they keep making the same mistakes. They have cause huge hardships in my life and I am ready to file a lawsuit. I have decided since I am XXXX  now thanks to these crooks that its better to have my mail going to advocates who are witnesses trying to help me. You are a terrible to do this to me AMEX!!!!
Consumer complaint received 2019-10-23
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. (TN)

I am writing this due to non-compliance with the ( XXXX, Experian, XXXX ). They have failed to remove information that was affiliated with personal details that  were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2022-04-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I began to experience hardships due to the pandemic in XX/XX/XXXX. I applied to the second round on federal assistance related to mortgage assistance in XX/XX/XXXX. I've been on a forbearance plan with Bank of America for 17 months. I applied to the Virginia Mortgage Relief Program ( VMRP ) in XX/XX/XXXX. I've been waiting for my application to be process. The VMRP guidelines specified a 90 day application review process, but it is taking longer than the current notified timeframe. I've been unable to get a timeline update from VMRP. I was informed my my VMRP case manager that Bank of America delay in returning the Corroboration Agreement delayed the process of Bank of America accounts. I did a 3 way call with BOA and VMRP reps because it was the only way that I could prove that I was asking the right questions and had an active application with VMRP. I am currently at my max forbearance option with BOA, had a deferral option presented by Bank of America that needed to be signed by XX/XX/XXXX ; however, signing it would disqualify me from VMRP, and I not have access to the referral option if something fails with VMRP.
Consumer complaint received 2022-10-26
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. (CA)

Despite my better effort all three credit bureaus have done what theyve always done which is barely look at an account that has zero to do with me and after filing two consecutive FTC and CPFB complaint XXXX  continues to claim that I have an account with XXXX  that I never have had. There investigation proved and asked nothing. This is a suprise to no one since they are the largest financial contributor to these companies must maintain a " reasonable procedure '' to respond to identity theft notices by a CRA, and refrain from reporting information about an account that you previously reported was the result of identity theft. ( 15 U.S.C. 1681s-2
Consumer complaint received 2021-12-15
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (GA)

The end-of-draw period on my XXXX was XXXX, 2021. Wells Fargo and I renegotiated the terms of our relationship resulting in an agreement, the details of which are included in the ALTERNATE PAYMENT OPTION MODIFICATION AGREEMENT which states the following : RLO Principal Amount : XXXX Term RLO Fixed XXXX XXXX Payment Type {$93000.00} 60 months 3.625 % Interest Only. 

Please note that the Payment Type is interest only. Wells Fargo has constantly tried to hit me with fees, charges, and other costs. This is merely the continuation of a years long pattern of illegal, fraudulent, and unwarranted charges and costs ; including, but not limited to, the imposition of unnecessary and fraudulent accounts and fees. This has continued through this entire process and continues now.