davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: BANK OF THE WEST (CO)

My small business was granted a XXXX XXXX through Bank of the West. The XXXX granted partial forgiveness on the loan on XX/XX/2021 at which point the loan was converted to a Commercial Loan. 
On XX/XX/2021 I requested a payoff letter through the branch manager at Bank of the West XXXX to pay off the unforgiven portion of the loan. 
On XX/XX/2021 I went to the XXXX Bank of the West office, met with the branch manager, and paid off the loan in full using the information from the payoff letter he provided. 
In the seven months since paying off the loan I have tried repeatedly to obtain paperwork showing that the loan has been closed. I contacted the Commercial Loan department, who said I must contact the XXXX group through email. I contacted the XXXX group who indicated the loan had been converted to a Commercial Loan so they could not help me. They referred me to my Relationship Manager at my bank. I contacted the branch manager who after two months has been unable to produce documentation that the loan is closed.
Consumer complaint received 2021-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The CMI Group, Inc. (AZ)

I pulled my free annual report as a recommendation from COVID-19 and was surprised to see a collection from Credit Mgmt LP which dropped my score significantly. I have received no phone calls or contact via US Mail to confirm this collection is mine or valid prior to it hitting my credit profile with the bureaus. Due to this, I did not obtain the full statutory period in which to dispute the validity of this debt in question as I did not receive any initial notifications regarding the debt. Had I been aware I had option to check the validity of the debt in question, this may have been removed. I would like this collection removed from my credit due to erroneous collection practices.
Consumer complaint received 2020-05-14
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. (NY)

It appears that XXXX, my student loan provider has reported my current loan status to credit bureaus. I noticed my credit score dropped for no reason. The only thing I believe could have impacted my score is utilizing the CARES Act and going into an emergency forbearance. However, based on Cares Act sect. 3513 loan servicers are supposed to report suspended payments to credit bureaus as if the payments have been made and NOT use any type of forbearance or deferment code. I believe some of the servicers are not reporting correctly. On XX/XX/13 my Experian score dropped by XX/XX/XXXX points even though my balance for my student loan had dropped. After filing an investigation with Experian it appears that XXXX is reporting to the credit bureau that my repayment status shows no payment with the remark paused due to natural disaster. This goes against Cares Act sect. 3513 : ii ) REPORTING.Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current ; or and ( d ) REPORTING TO CONSUMER REPORTING AGENCIES.During the period in which the Secretary suspends payments on a loan under subsection ( a ), the Secretary shall ensure that, for the purpose of reporting information about the loan to a consumer reporting agency, any payment that has been suspended is treated as if it were a regularly scheduled payment made by a borrower. Forbearance is typically a derogatory mark on ones credit report but since this is a special forbearance it shouldn't be counted as such per the above section of the CARES Act. According to the Cares Act sect. 3513 loan servicers are supposed to report suspended payments to credit bureaus as if the payments have been made and NOT use any type of forbearance or deferment code. I believe Cornerstone is not reporting correctly. I will be filing disputes with all three credit bureaus as this has had a negative impact on my score when per legislation this should not be the case. I have filed a complaint against XXXX and have yet to hear back - over a month has lapsed.
Consumer complaint received 2020-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX  and Transunion are reporting incorrectly a collection/chargeoff in the amount of {$3000.00} on the XXXX, original creditor XXXX XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me. I have never lived in XXXX, Georgia which is where the property in question is located. This is clearly an account that has been put onto my credit report in error. This false reporting of a collection/chargeoff account that does not belong to me is seriously harming my credit score and this line item needs to be removed from my credit report. I have tried to contact XXXX XXXX XXXX, as well as the bureaus to remove this however, I have not been successful.
Consumer complaint received 2021-10-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: GreenSky, LLC (SC)

From XXXX XX/XX/XXXX I received daily phone calls from Greensky Loan Servicing demanding payment if I have missed my due date for payment. They have done the same multiple times in the past since I took out the loan on XX/XX/XXXX. In fact, since I took out the loan for medical reasons, everyday past the day my loan is due, I receive phone calls everyday until I make my payment. I have asked them repeatedly to stop calling me every day and that I would make the payment as soon as I had the funds. Despite this, I continue to receive harassing phone calls as early as early as XXXX XXXX on XX/XX/XXXX. I have informed them that I would be lodging a complaint and asked them repeatedly to stop calling me every day. They have not been deterred.
Consumer complaint received 2020-05-21
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Your note ( for Transunion ) in your reply case XXXX " The data furnisher verified your name, social security number, and address in regards to the ownership of account XXXX XXXX XXXX. # XXXX. '' ( The other two credit agencies need to review their verification of information which is incorrect as noted below. ) I have never provided any data furnisher my name, social security number, and address in regard to this entry. If the data provider obtained my social security and provided it to you ( or verified it ) that information was obtained illegally, this is very concerning and would constitute fraud. Thank you for informing me of this I will file a separate complaint with the CFBC against XXXX XXXX XXXX. This is very alarming. 

However, your investigation did not provide the results as requested per section 609.  There was never any detailed information provided. If a credit company is looking to report information it should be accurate. I have never provided any personal details regarding SS #, etc to XXXX XXXX  which are a collection agency. Any personally identifiable information if provided would be a breach of confidentiality. 
Per information provided by XXXX, I am disputing the accuracy of your verification and therefor requesting that the credit consumer agency remove the collection debt of {$1400.00} from my credit report immediately. This amount was not authorized by me. I have attached documentation from the company which is not signed by me. The authorized signature is listed as someone else.
Consumer complaint received 2020-05-21
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 — Problem with personal statement of dispute
Company: Santander Consumer USA Holdings Inc. (MN)

this company added fees to my account that was not correct the car was totaled and the car was paid off with the gap insurance I also see that they have a lawsuit for the things that they have done to people this is showing incorrect information on my credit report as well and is affecting my score for wrong information XXXX XXXX   XXXX
Consumer complaint received 2022-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (WA)

I received a notification of a reported address change from my identity theft service on XX/XX/XXXX, stating the Equifax had changed my current address to a residence in XXXX, XXXX XXXX. That address is for a home I sold in XXXX and have not lived at since. I currently live in XXXX, XXXX. I immediately filed an online dispute with Equifax on XX/XX/XXXX, and provided my renters insurance declarations page and my electric bill which showed my current address. The confirmation number with Equifax for that dispute is XXXX. I received a response back the same day from Equifax wherein they incorrectly confirmed I live in XXXX XXXX. I filed a second online dispute of the address Equifax shows as my current address on XX/XX/XXXX. The confirmation number with Equifax for the second dispute is XXXX. In that filing, I included copies of my XXXX  driver 's license, my most recent electric bill for my XXXX apartment, the first page of the lease for my XXXX  apartment, the registration certificate for my car in XXXX state, my auto insurance card foXXXX XXXX, and an email from Equifax promoting auto insurance in the state of Washington, wherein Equifax effectively confirmed that they know I live in XXXX. I received the results of my dispute from Equifax about nine hours later on XX/XX/XXXX, wherein they again confirmed I live in XXXX XXXX which is not correct.
Consumer complaint received 2022-01-10
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: EQUIFAX, INC. (GA)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2022-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (PA)

My name is and I am sending this request myself to address the inaccuracies on my Credit Reports. This item is reporting late and the balance as reported in my XXXX Credit Bureaus. Lets correct this immediately. The XXXX  are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Stating a consumer owes a debt 15 usc1692 ( B ) 2. Furnishing a consumer report without the consent of the consumer, 15 usc 168 ( 1 ) ( B ). Limits on disclosure of nonpublic personal information to nonaffiliated third parties ( XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-01-15
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. (MD)

The following accounts on my TransUnion report have factual information that conflicts with XXXX and XXXX reports : XXXX XXXX XXXX Account XXXX XXXX : a ) TransUnion lists the account as 30 & 60 days late in XX/XX/XXXX & XX/XX/XXXX ; XXXX indicates XX/XX/XXXX & XX/XX/XXXX ; b ) Account last updated shows XX/XX/XXXX, XXXX says XX/XX/XXXX XXXX c ) Account closed indicates XX/XX/XXXX, XXXX lists account not closed. d ) Account type shows credit card, XXXX says line of credit. 

XXXX XXXX XXXX Account XXXX XXXX : a ) TransUnion lists the account as 30 days late in XX/XX/XXXX ; XXXX indicates 30 days late in XX/XX/XXXX. b ) Account last updated shows XX/XX/XXXX, XXXX says XX/XX/XXXX, XXXX says XX/XX/XXXX. c ) Account closed indicates XX/XX/XXXX, XXXX lists account not closed. d ) Date of last activity shows XX/XX/XXXX, XXXX shows XX/XX/XXXX, XXXX says no date of last activity.
Consumer complaint received 2021-10-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (IL)

For the past 18 months, Chase has deferred our mortgage payments due to pandemic hardships. They told us on about XX/XX/XXXX that we could defer our past due amount until the end of the loan period without penalty or extra interest. However, we were told that Chase needed to make a final decision on it and that we would receive a confirmation letter within two to three weeks. 

On XX/XX/XXXX, I inquired about the status of the deferment and was provided no further information. 

It has now been three weeks and we have received no information from Chase, our amount due on XX/XX/XXXX is over {$93000.00}, which is three business days from today.
Consumer complaint received 2021-10-27
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: EQUIFAX, INC. (OK)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-12-01
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: EQUIFAX, INC. (MA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-10-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CITIBANK, N.A. (TX)

I received a letter from Citibank attorney and I was served and I got a call from a attorney and he threaten to sue me and have the police come to my house take my property and I dont work Im on XXXX and I have no money and I live with my parents now I didnt apply for a Citibank Best Buy credit card I send in a police report few times and each time they denied my fraud claim and wouldnt send me a fraud affidavit at all and keep sending paperwork to a wrong address and it would get forwarded by USPS to my new address. I dont live in XXXX  XXXX XXXX  XXXX XXXX Texas and they are harassing my neighbor.. the XXXX residents.. Citibank attorneys are threatening me with jail time and seized my property and I have call records to prove that and Im asking them to leave me alone
Consumer complaint received 2020-05-14
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. (OH)

I was trying to cosign for my cousin to get a new vehicle and the car salesman told me my credit was too low. I told him to show me my report and print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX XXXX {$420.00} XXXX  XXXX {$6300.00} XXXX XXXX XXXX {$550.00} XXXX, XXXX {$600.00} XXXX  XXXX {$1000.00} XXXX  XXXX {$270.00} XXXX, XXXX {$66.00} XXXX, XXXX {$110.00} XXXX, XXXX {$94.00} XXXX, XXXX {$100.00} XXXX XXXX XXXX XXXXXXXX {$180.00} XXXX  XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX XXXX {$1300.00}
Consumer complaint received 2021-10-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WESBANCO BANK, INC. (PA)

XXXX negative in checking account. I called customer service at WesBanco bank. Was transferred to Bank manager XXXX. He proceeds to look up my account. I told him around XX/XX/XXXX XXXX I spoke to customer service about checking account being In negative charged XXXX. I had been really sick no funds. Lady from WesBanco says its best to freeze accounts to prevent additional NSF fees that could possibly occur if tries to clear again. 
XXXX said I can speak to his boss which he transfers me.to-his boss XXXX she tells me they do not Freeze accounts. Very negative she told me my account will be closed wont be able to get account again if I dont pay. I never mentioned a word about not paying would not listen or look thru through statements with me. Treated once again like N XXXX. I said thats how it was explained to me. She then repeatedly points out from XXXX XXXX How many pages of bet mgm were on my account from XXXX
Consumer complaint received 2020-05-21
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Applied Data Finance, LLC (NC)

Account Name : PERSONIFY Account XXXX : XXXX Reason : Incorrect late payment to credit reporting agencies. 

I originally borrowed {$1000.00} from this company around XX/XX/2019. But the interest rate was way too high for me. Originally they said I had to make payments around {$100.00} a month I do believe. Then they tried taking out over {$2000.00} a month from my XXXX  XXXX XXXX checking account. This is insane. I had to call XXXX XXXX XXXXXXXX, account number XXXX to block this company from taking XXXX out each month for x amount of months when I only owed like XXXX to them. This went on for months and I refused to pay this much because I was struggling and I am a XXXX veteran. They never gave me the chance to explain my financial situation. They then kept increasing the balance owed because now they charged it off as me owing over XXXX dollars. and it's affecting my credit really bad and I called them to fix it but they refused to help me. they told me they had already turned it over to a collections agency. I want them to fix this so i can get my credit back on track.
Consumer complaint received 2022-01-10
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: EQUIFAX, INC. (AZ)

Well according to 15 U.S. Code 1681b ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

As a consumer I never gave no credit bureau any written consent! 

No consent is Identity Theft.
Consumer complaint received 2021-12-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IL)

Listed and sold an item ( XXXX porcelain Micky Mouse vintage statue valued at approximately {$1200.00} ) through XXXX marketplace. 
A fraudulent buyer agreed to purchase the item through XXXX for {$1400.00}. 
The fraudulent buyer- ( XXXX ) deceptively informed my wife that she couldn't send over {$1000.00} to her unless it was a business account w/at least {$500.00} in it actively. 
XXXX then had my wife send them ( via XXXX XXXX payments, XXXX of {$500.00} and also XXXX of {$100.00} ) through my bank ( Chase Bank USA ) to create a XXXX business account. My wife informed buyer that she didn't have {$500.00} to do so. So the buyer emailed her a ( fraudulent ) statement showing buyer had funds ( {$1900.00} ) pending in my wife 's XXXX account to cover the cost, then asked to trust her to send {$500.00} plus a {$100.00} refund for shipping costs. 
The buyer then sent a fake XXXX email to my wife stating that her ( my wife 's ) XXXX account was a plus {$1900.00} received from the buyers XXXX account with verification. I have attached the emails. 
My wife then sent, 'as instructed " {$600.00} total to : XXXX thinking she had reimbursed her for the initial sign up cost of {$50.00}, {$500.00} min. balance + {$97.00} in FedEx shipping costs to XXXX Florida. 
Durring this whole process, multiple emails back and forth from XXXX were made with assurance that {$1400.00} would post to my wife 's XXXX account in a short manner of time. 
After a reasonable amount of time, zero money was posted to my wife 's account. In fear of being scammed my wife canceled the transaction with the buyer ( XXXX ). 
My wife has also canceled the shipment and is in process of recovering the {$97.00} from XXXX.
Consumer complaint received 2020-05-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants' Credit Guide Company (IL)

I contacted Merchants Credit Giude to dispute a debt. I requested a copy of the bill and was told I needed to contact XXXX Hospital. I did just that twice and no bill was ever sent to me. I contacted the creditor again and was told that my account would be placed on hold and would not be sent to collections. When I disputed the bill through the credit bureaus, it was reported as accurate. It is on recording that it would not be sent to collections. No one will listen to the recording as requested.