davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-06
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (CO)

I asked my Mortgage lender for a special forbearance plan on my mortgage while i was going to be out of work for XXXX months under going a complete XXXX  XXXX XXXX on XXXX 7,2022..i was told yes this could be done prior to filling out proper paper work and submitting documintation from my XXXX and i completed this and was told to call back on the XXXX of XXXX XXXX i was being pro active in this prior to XXXX and every mortgage agent i spoke with had given me false information leading up to XX/XX/XXXX call..I was told i could pay escrows for XXXX months and this would not affect my credit putting my loan on hold and putting 3 months payments on the back end of my mortgage loan..From what i am now being told i was denied because this is not XXXX related and i would have to re file going into default affecting my credit and that prior to XX/XX/XXXX call everyone has lied to me giving me false information.This is total incompidence in there Dept and not fair to me because i was only looking for a little relief since i only will be receiving short term disabilty at {$450.00} a week minus taxes thus money doesn't go far..Freedom Mortgage has given me the run around and i am not happy with there services and would like some compensation for the mess they have caused...
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-11-29
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Penn Credit Corporation (MA)

On XX/XX/2023 I went to renew my vehicles registration. I noticed there was a non renew on the registration due to an unpaid pay by plate in the amount of {$290.00}. I paid this balance expecting it would resolve the non renew issue. When it had not be resolved, I contacted XXXX XXXX on XX/XX/2023 for further information. XXXX XXXX then informed me I had collections on the account. I then called the phone number provided to me by the XXXX XXXX associate and was connected with Penn Credit Corporation. The woman I spoke with told me I owed {$860.00} and provided their payment options. I have never received a validation notice from Penn Credit Corporation nor have I received any form of communication.
Consumer complaint received 2022-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NH)

I use online bill pay to mail checks to my landlord. My check that was due on XX/XX/XXXX was not received by my landlord. I contacted Bank of America shortly after the check went missing and they started an investigation. They contacted my landlord who signed an affidavit that he did not receive the check, then they sent it to the XXXX XXXX XXXX XXXX  so they could investigate what happened to the check. This all took place in XXXX of XXXX. I was told the matter should be resolved in a couple of months at most. It has now been over a year. This XXXX I started documenting all my attempts to find out more information about the claim. 

XX/XX/XXXX BofA Message Center Our records show the payment continues to be researched by the XXXX  XXXX XXXX XXXX. 
As of XX/XX/XXXX, we have not received any updates. Any updates on the recovery of the payment will be documented inside the case and a communication will be sent to you. 

XX/XX/XXXX BofA Message Center This issue is currently being researched under the Case ID number XXXX. We will be contacting you with an update or resolution. We apologize, however we are unable to provide when the funds will be returned. 

XX/XX/XXXX BofA XXXX XXXX Federal Reserve, due diligence on both sides, min 90 days, stolen funds, check was cashed, XXXX verified he didnt do it XX/XX/XXXX XXXX - Federal Reserve XXXX we reply to the bank, replies have an expiration date Call BofA and if they still don't have any answers call Consumer Financial Protection Bureau XXXX XX/XX/XXXX BofA -XXXX in Arizona offered to send the claim to the back office for an update, I told her we had already done that, she said I needed to wait to hear from them directly. I asked to speak to a supervisor. 
BofA - XXXX, XXXX Supervisor Last follow up request was back in XXXX, sent another one over Advanced Services Research - Will call me back today with an update. I did not receive a call back. 

XX/XX/XXXX BofA - XXXX Call was dropped twice. 
Sees the open task to Advance Services, looking for a timeline. 
Sending it to leadership to get a timeframe. 
Tuesday next week. 

XX/XX/XXXX Online Bill Pay Message Our records show the payment continues to be researched by the XXXX XXXX XXXX XXXX. We have not received any updates. Any updates on the recovery of the payment will be documented inside the case and a communication will be sent to you. 

We appreciate your patience.
Consumer complaint received 2022-06-21
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. (NY)

On XX/XX/XXXX I submitted a credit card payment to XXXX  XXXX XXXX. 

4-5 days later, I payment wasn't processed so I sent an additional payment on XX/XX/XXXX. That payment was processed and debited out of my account. A few weeks later in XXXX, I found out both payments made in XXXX were refunded to my checking account due to a system processing issue within the company. 

I went to the bank branch and spent numerous hours trying to figure out why, and no employee of the bank could identify the system issue. The bank then continued to contact me saying that my payment was late, yet I have never missed a payment on this 14 year account, and it was my oldest account which I kept in good standing since College. 

I made anothey payment on XX/XX/XXXX and the representative said they'd be able to re-open the account since I have been a good customer for 14 years, and I have a business and personal account as well as a travel card with XXXX XXXX XXXX. 

The account was never re-opened and now it not only reflects as a late payment account, but it was unprofessionally closed with no explanation, clarity, or investigation, and now impacting my credit history an credit score. 

in accordance with the Fair Credit 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 a account without my written instructions
Consumer complaint received 2022-07-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (GA)

My original mortgage was with XXXX XXXX XXXX, started on XX/XX/XXXX. In XXXX of XXXX, I received a letter that XXXX XXXX XXXX had sold my mortgage to Freedom Mortgage. By the end of XXXX, I had not received a welcome letter from Freedom Mortgage and was worried about missing my XX/XX/XXXX payment. I called Freedom Mortgage, where I tried to make a payment. The auto payment system asked me for a loan number which I did not have since Freedom Mortgage had not sent that to me. I followed the automated system who then told me that new customers who were having their accounts transferred to Freedom Mortgage would have a 60 days grace period to make the payment. As I was leaving the country for 5 weeks on XX/XX/XXXX, that gave me peace of mind. When I came back, I paid my XXXX and XXXX mortgage payments. I reached out to Freedom Mortgage in XXXX asking to remove my escrow account from my mortgage. I received a denial letter with the reason being I did not have a history of on time payments over the last 12 months. Freedom Mortgage says I was late on my XXXX payment, which I couldn't make because the company was behind on sending out their welcome letters. Even though Freedom Mortgage 's welcome letter is dated XX/XX/XXXX, it did not arrive to my address prior to XX/XX/XXXX, my departure date as I checked my mailbox everyday before leaving. After calling their customer service center twice, I was transferred to the escalation department. The escalation department says I was late because I did not make my XX/XX/XXXX payment date. When I emphasized that their letterhead says XX/XX/XXXX at the earliest, the escalation department said I still could've made the payment by the end of the month. I'm pretty sure that if I had made the payment before XX/XX/XXXX, Freedom Mortgage still would count that as a late payment.
Consumer complaint received 2022-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

locked out of the mobile app and can not activate new debit card tried contacting Customer Service over 5 times with over hour-long hold times. 
contacted via social media as well with no resolution. 
after calling today and getting a callback rep advised me they need me to speak to a " specialist '' was transferred back to the IVR again and then waited for a new agent for 63 minutes before hanging up. 
I can not access my account online or activate my new debit card.
Consumer complaint received 2024-12-05
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC (TX)

Subject : Cease and Desist Notification Pursuant to 15 U.S.C. 1692c ( c ) Account # XXXX This letter serves as my formal notification that, under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), I am requesting that you immediately cease all communication with me concerning the alleged debt associated with account number [ Account Number, XXXX ]. 

Please be advised that the FDCPA prohibits debt collectors from further contacting a consumer upon written request to cease communication, except to confirm receipt of the request, inform the consumer that no further action will be taken, or notify the consumer of specific legal actions that may follow. Any further attempts to contact me beyond these exceptions will be considered a violation of federal law and subject to appropriate legal action. 

This request applies to all forms of communication, including but not limited to : Phone calls ( including calls to my home, work, or mobile phone ) Written correspondence Electronic communication ( e.g., email, text messages ) Please note that failure to comply with this request may result in my filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and/or my state attorney generals office. Additionally, I reserve the right to pursue legal remedies available to me under the FDCPA and other applicable laws. 
If you believe this debt is valid and intend to take legal action, please limit your correspondence to written communication sent to the address provided above. 
Thank you for your prompt attention to this matter. I trust that you will honor this request and ensure compliance with the law. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-11-26
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (OH)

Sometime in the second week of XXXX, I applied for a credit card with Wells Fargo Bank. I already had a cash back credit card with them. This was for the XXXX card that offered no interest for XXXX  months on purchases. 

I was denied almost immediately, which was obvious that it was based on their algorithm. 

However, the major reason for the denial was incorrect, false, or did not apply to me. I am attaching a letter that I received that states the reason. They are the exact reasons that flashed across the screen almost immediately after I applied. 

I take issue with this because not only is my payment record with Wells Fargo excellent, but my credit scores are good, as you will see in the documents attached. 

The problem is that I was denied by a computer that used incorrect and false information to deny my application. 

When talking with the CFPB rep about it, he was immediately confused because as he said, the first reason of denial should be strong support for approving my application. 

I have XXXX credit cards with a total credit line of {$57000.00}, no balances but a mere {$13.00} set on autopay for Wells Fargo, for which my credit line is {$4100.00}. 

It makes no sense whatsoever. 

I am filing this complaint for several reasons : XXXX. I don't think XXXX  or an algorithm should be making these determinations, especially when it bases it on incorrect information. 

XXXX. I was taken aback by the response of people in customer service all the way up to the XXXX XXXX who refused to acknowledge that there might be a problem with their algorithm. In fact, they sent me XXXX letters on XXXX XXXX, XXXX, and XXXX explaining why I was denied without acknowledging the incorrect information about the ratio of my balance to my credit line. 

XXXX. I would like Wells Fargo to review their algorithm for this credit card application process so mistakes like this do not continue.
Consumer complaint received 2023-10-28
Product: Credit reporting 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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that are reported on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

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
Consumer complaint received 2022-11-01
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX Balance {$690.00} ; XXXX XXXX XXXX XXXX Balance {$1000.00} ; XXXX XXXXXXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX Balance {$810.00} ; 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 XX/XX/XXXX ; EXPERIAN 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 XX/XX/XXXX ; If the 3 credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2023-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Kikoff Inc. (VA)

This letter is being sent pursuant to the provisions of the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq.

This letter is in accordance with the Fair Credit Reporting Act ( FCRA ), which requires that all consumer information be accurate, complete, and verifiable. This Act also requires that all third-party credit reporting agencies ( CRAs ) investigate the accuracy of any information they receive from creditors, debt collectors, or other sources. As such, I am requesting that you investigate this information and remove it from my credit report if it can not be verified as accurate and/or complete. 


I am writing to dispute the following information that appears on my XXXX report from XX/XX/XXXX : XXXX XXXX XXXX XXXX  Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$570.00}. I am a victim of identity theft and I never opened this account. 

XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I am a victim of identity theft and I never opened this account. 

KIKOFF LENDING LLC Charge account with account # XXXX opened on XX/XX/XXXX and a balance of {$50.00}. I am a victim of identity theft and I never opened this account. 

Collection account from XXXX XXXX SERVICE with account # XXXX and a balance of {$3000.00}. The original creditor is XXXX $ XXXXXXXX XXXX Reported : XXXX XXXX, XXXX {$770.00} I am a victim of identity theft and I never opened this account.
Consumer complaint received 2022-05-28
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

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
Consumer complaint received 2023-01-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CarMax, Inc. (FL)

I always pay my monthly bill on online. XXXX I just happen to open my statement and the amount due is XXXX difference. XXXX and the phone system says my payment due on XX/XX/15 is XXXX ; however, my statement say I owe {$510.00}. When I called CarMax told me online doesn't show the amount due with the late fees. I told them that is misleading. 

Additionally, I have been paying a little more on my monthly payment. They told me if I don't make the payment XXXX  days prior to the next due date, the extra amount will not be applied to my late fees. I believe this is a UDAAP violation as I think I am paying my late fees with the extra money. Also, when I see my amount due online and it doesn't include an extra amount that is all I owe.
Consumer complaint received 2023-05-12
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. (GA)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: I.C. System, Inc. (FL)

I received an invoice in the mail dated XX/XX/year> from I C Systems Inc stating that I have an outstanding cell phone account with XXXX XXXX  in the amount of {$1200.00}. The invoice stated that " Call or write to us by XX/XX/year>, to dispute all or part of the debt. If you do not, we will assume that the information is correct. '' I placed a telephone call to I C Systems Inc on XX/XX/year> to dispute all of the debt and to stop the collection of the debt, as I did not ever open a cell phone account with XXXX XXXX  as I do not own a cell phone. I use my landline only. I C Systems Inc did not provide me with any documentation verifying the outstanding debt. And, instead placed a derogatory entry on my credit report with XXXX and XXXX. 

On XX/XX/year>, I filed a dispute of the account with XXXX and XXXX. I received the results of the investigation from XXXX on XX/XX/year>, in which they decided that the account was verified. On XX/XX/year>, I made a statement on my credit report with XXXX stating that the account is not mine.
Consumer complaint received 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

The credit bureaus state my account was properly investigated but how is that possible if the account type - detail is inaccurate, the date opened inaccurate, the high credit inaccurate, the credit limit is inaccurate, the payment status is inaccurate, the last reported is inaccurate, the comments inaccurate, the date last active is inaccurate, the date of last payment is inaccurate, and the 2-year ledger is inaccurate. 

The credit bureaus have violated my rights as a consumer under the following : 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 an account without my written instructions.

This has been disputed numerous of times and it has been way over 30 days and still on my consumer report. 

Disputed XX/XX/22 Disputed XX/XX/22 Disputed XX/XX/22 Disputed XX/XX/22 Disputed XX/XX/22