davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: United Shore Financial Services, LLC (NV)

I write to request a 3 month extension of my forbearance to allow for United Wholesale Mortgage ( " UWM '' ) to process my pending deferment application. 
Due to a COVID-related incident, in XXXX of XXXX I was placed on a 3 month forbearance with UWM ( see attached ). Three months later, while still experiencing a financial hardship related to COVID, I received an additional 3 month forbearance ( see attached ). The forbearance was scheduled to end XX/XX/XXXX. 
On XX/XX/XXXX, I contacted UWM to apply for a deferment of the outstanding balance that accrued during the forbearance period -- approx {$25000.00}. I was told it was too early to apply and that I should wait until mid-XXXX. It was explained to me that the deferment application takes 10-14 business days, and once approved, my loan would be placed back into repayment status and my regular monthly payment would resume. 
On XX/XX/XXXX, I contacted UWM and applied for a deferment. I was told it would take 10-14 business days and that my deferment would be approved because the forbearance related to COVID. I was told that I would continue to receive notices to contact UWM for a " loan workout '' ( see attached ) but that I should ignore them because my deferment application was pending. Thereafter, on XX/XX/XXXX my loan was taken off forbearance and placed in repayment status. I contacted UWM on XX/XX/XXXX to inquire when my deferment would be processed and asked how I should submit the monthly payment for XXXX. I was told to wait, to be patient, and to NOT make any payments. 
It is now XX/XX/XXXX, and the only correspondence I have received from UWM are letters telling me to contact them to " work out '' an agreement to payback the outstanding balance. When I call, customer service tells me that the letters are standard and that I should ignore them. Moreover, I am told that my deferment application is still under review. During a phone call XX/XX/XXXX, I was told that UWM takes 30 days to process deferments so I would likely not receive a response until mid-late XXXX. By that time, I will be past the grace period and UWM said they would have to report the delinquent payment to the credit bureau. 
UWM completely misrepresented the deferment process to me when I first applied for the forbearance. Further, they misrepresented to me the timeline for applying for a deferment. Each time I call I receive the same response -- wait. Meanwhile, I risk getting a negative reporting because of UWM 's misrepresentations. Please correct this immediately.
Consumer complaint received 2021-04-28
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (OR)

I have Nationstar DBA Mr. Cooper as my mortgage company. On XX/XX/2021 while reviewing my bank account I noted 2 reversals of payments from them. I contacted them and was advised that they use a 3rd party vender to take out automatic payments and that the vender had taken out unauthorized payments and that this was a refund for them. I asked if they were going to be taken out again as I was going to use the money for other things. I was advised that they would not be requesting the reversals back. On XX/XX/2021 in the evening, I checked my bank account again and found that they had again taken out 2 unauthorized payments. I again contacted Mr. Cooper and was told that they are working on the problem but the payments were unauthorized and should not have came out of my account.
Consumer complaint received 2022-08-08
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: PENTAGON FEDERAL CREDIT UNION (VA)

On XX/XX/2022, my penfed credit union cash reward credit card was involved in fraud activity. Money was transferred from my credit card to my saving and checking account and then moved to a XXXX bank. Since then, my personal information has been used ; recently, I received a letter stating that a personal loan was not approved, which I did not request. I was told by the back to contact the three main credit beurs to freeze those acts. To avoid other fraudulent activity. I'm looking for further investigation and stopping who uses my personal information on my behalf.
Consumer complaint received 2022-04-27
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. (TX)

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated the accounts were properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal, they also violated my rights under, 15 U.S.C 1681 section 602 A. states I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish a account without my written instructions. Which I DID NOT give them written instructions to do so.

Also the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking numbers XXXX XXXX XXXX XXXX XXXX ( XXXX ), # XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX and # XXXX XXXX XXXX XXXX XXXX ( Equifax ) Account # XXXX Account # XXXX Account # XXXX
Consumer complaint received 2022-08-08
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. (MI)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C 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. 


TransUnion Name : XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, J Employer : XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXX, TX XXXX Inquiry : XXXX XX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXXXXXX XXXX XXXX  XXXX XXXX, CO XXXX XXXXXXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX  XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXXXXXX, KS XXXX Employer XXXX XXXX XXXX XXXX Inquiries : XXXX XX/XX/XXXX US SM BUS ADMIN XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXT XXXX XXXX Name : XXXX XXXX XXXX Addresses : XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, FL XXXX Inquiry : XXXX XX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-08
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. (MI)

N accordance with the fair Credit Reporting act XXXX Account. The accounts below 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 XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX {$440.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$2000.00} XX/XX/XXXXXXXX XXXX XXXX {$1400.00} XX/XX/XXXX XXXX XXXX {$130.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$0.00} XX/XX/XXXX additional reporting multiple times XXXX XXXX {$3800.00} XX/XX/XXXX XXXXXXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXXXXXX XXXX
Consumer complaint received 2022-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AR)

XX/XX/XXXX I received a letter from XXXX XXXX that XXXX XXXX paid XXXX on a XXXX XXXX XXXX of mine that was totaled out. They stated that I owe them {$1900.00}. Equifax is reporting 2 late payments XXXX and XXXX. Car was totaled in XXXX and Paid off in XXXX. Also showing I still owe XXXX with a past due balance of {$2700.00}. I filed a dipute with them XX/XX/XXXX to update my information accurately they came with results XX/XX/XXXX saying its been verified as accurate I contacted XXXX XXXX and they also stated that that is reporting inaccurately because they show me owing XXXX Total as well and did not verify that information as being correct.
Consumer complaint received 2022-05-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (OR)

I was a victim to fraudulent loan practices by the XXXX  XXXX XXXX and XXXX XXXX  XXXX XXXX. I have contacted to schools and the lender and nobody is helping me remove the loans from my Nelnet account. This has been an ongoing issue for years and I continue to be charged interest.
Consumer complaint received 2022-04-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (WA)

My mortgage, soon after originating on XX/XX/XXXX was bought and transferred to US Bank. I was not provided with the details regarding my mortgage in writing : I was informed XX/XX/XXXX over the phone when I called about the mortgage that my first payment was due XX/XX/XXXX, however, since my mortgage was transferred to another lender I had 60 days from the date of transfer to make my first payment. This information was conveyed to me in a very confusion fashion. I have come to understand that my first payment was due on XX/XX/XXXX, however, I have 60 days after the transfer before this late payment/non payment is reported to the credit reporting agencies. I did not understand what the agent was saying, as this was explained in a very convoluted manner and I had no details of this loan to review. On my own initiative I called XX/XX/XXXX to understand, again, when the first payment was due. I received notice that it was due then. I immediately paid the mortgage payment, and I am now XXXX payment ahead of what is required. The mortgage company informed me that they have not reported me to the credit reporting agencies, however, I now learned that they are considering me LATE for purposes of removing my XXXX. I have invested over XXXX in my house in effort to have the XXXX removed, and the mortgage company is informing me that I was late. I was given misinformation, and the calls make this clear. I had none of this information in writing, and they are still investigating it. US Bank should treat customers better than this. I have a credit score in the high XXXX XXXX. I pay all bills on time. This process was confusing, and I was provided with misinformation every step of the way : agents told me I WAS reported to credit reporting agencies, and other agents gave me other misinformation about this loan. This is a problem. I want it resolved with my ability to remove my XXXX
Consumer complaint received 2022-04-27
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. (CT)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX from XXXX XXXX, and account # XXXX from XXXX 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 2022-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I have reached out to Transunion recently in regards to some accounts reporting on my credit file that never belonged to me nor did I request any credit for. Transunion responded to my dispute accusing me of using a credit repair company. Even though it isn't illegal to use a credit repair service, I am very knowledgeable and informed when it comes to information pertaining to the Fair Credit Reporting Act. I find this response from Transunion unacceptable without showing or declaring any proof of their claim. Transunion failure to investigate this matter is a clear violation of the FCRA as well my rights as a consumer and victims of identity theft.
Consumer complaint received 2022-04-26
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. (MO)

Please accept this letter as my dispute of late payments reported by XXXX. I have had consolidated student loans with XXXX  since XXXX, XXXX. I have attached my payment history. ( See Exhibit 1, payment history ) Since that time I have made one payment to XXXX for what I believed to be a consolidated loan. Each statement from XXXX indicates one account and the balance. ( See Exhibit 2, Statement ). 
As you can see I paid for more than 18 years on a timely basis. In XXXX, I took advantage of a forbearance available due to the pandemic. I misunderstood when the payments would begin to become due again, and was late on payments in XXXX, XXXX and XX/XX/XXXX. As soon as I became aware of the late payments, I immediately begin the automatic payments I had paid for the 18 years prior. I have asked XXXX multiple times to consider a good will deletion of the late payments and they have refused. 
XXXX has inaccurately reported the type of loan and account number of this consolidated loan as two individual loans with different loan account numbers than what appears on my statement. This has created a decrease of over 87 points to my credit score. I have suffered damages that exceed over {$30000.00} a year, as my husband and I were not able to refinance our home when interest rates where favorable because of the inaccurate reporting. I believe XXXX reporting to be incorrect and in violation of the FCRPA, as the late payments should have been reported as one account as stated on their monthly statements to me. In addition, the scheduled payment of {$220.00} is incorrect as well. 
I would appreciate it if you would investigate this matter and delete or correct the disputed items as soon as possible.
Consumer complaint received 2022-08-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/2022, I was contacted from a representative/organization purporting to be XXXX XXXX XXXX Before answering the call, I searched the number online, and it came back as being from XXXX. After receiving confirmation that it was a XXXX number, I answered the call. They claimed that my account was in danger of disconnection, and that I needed to pay my past-due balance in order to avoid disconnection of service. They asked if I was aware of their fast-pay option through XXXX. When I said no, they proceeded to inform me about it and collected a payment of {$120.00} After making the payment, the call disconnected and I immediately called XXXX back. The representative I spoke with informed me that this was likely a scam, and tha that they had received numerous reports from customers who had been similarly defrauded by this very scam. I filed a report with the representative from XXXX and immediately called my bank, Wells Fargo, to report the fraud and begin the investigation process. My initial Wells Fargo claim was denied. Following this, I asked to have the claim escalated to the Executive Office, who also denied my claim, saying that that claim was completed as requested and no bank error occurred.
Consumer complaint received 2022-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Good afternoon, I am creating a complaint against TransUnion, for ignoring my disputes resulting in inaccurate items on my credit report. I have looked up online how to dispute and what items I can have removed from my credit report. So I have created letters and sent them to Transunion with no result. I feel like my right as a consumer has been violated by Transunion because they aren't doing their job and investigating my letters. I know they make money from the number of items that are kept on a person 's credit report but not if it's false and harms my future to get approvals for more credit and lower interest rates that are not right at all. Instead, Transunion sent me this generic stalling letter which makes no sense when my letters are made by me. I don't know what else they want me to do come down there and have them watch me create the letter and hand deliver it to them. the dates that I have sent Transunions letter with no response or change to my credit score : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX over a year and nothing has changed this is completely unacceptable that they are treating me like this.
Consumer complaint received 2022-08-08
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

My mortgage loan was with XXXX XXXX ( XXXX ). XXXX sold my loan to Carrington Mortgage Services. The transfer of this loan was not done properly. I was notified that my loan was sold and that was it. I did not receive any other information about my new mortgage or from my new mortgage provider until they sent me a Monthly Mortgage Statement. Then I receive notification that I did not have enough flood insurance which then I was forced to purchased gap insurance. When asked why my flood coverage was acceptable by XXXX. I did not get a response, I was just told I need to increase my flood. So I contact my insurance agent to purchase additional insurance to meet the new lenders requirements. I sent them the endorsement that I had purchased the additional insurance. I received and email that they accepted my documents. So I thought the matter was solved. Then today I receive a new mortgage statement the the GAP flood coverage on my invoice. I do not believe that XXXX or Carrington Mortgage company complied with the requirement of notifying the homeowner. Causing me additional work, worry and money.
Consumer complaint received 2022-04-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/2021 a check was deposit for {$890.00} into my Wells Fargo checking account in which was credit then they took the credit back sending a letter stating available funds was being held because they were unsure that they was going to get paid and that the funds would be available basically after they got paid. Now 8 months later the same {$890.00} credit was removed from my account does sending my account into a negative balance putting me in a financial situation due to the fact that I have a lot of my bills automatically taken out of my checking account and which now they can't get paid due to insufficient funds and it's a consonant overdraft fee that keep accumulating. When I question them about the check and whether or not the payroll institution gave them credit for that check no one answers my question, in fact they never gave me a response to that question they did not in any time attempt to answer that question or look up and see could they find that answer which I know they had everything right there in front of them on the computer screen so yes I know they stole my money and they're not trying to do anything about it because they know they're wrong
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 — Their investigation did not fix an error on your report
Company: ProCollect, Inc. (TX)

To whom it may concern, I'm reaching out to request that you investigate a credit file that continues to linger on my credit report with XXXX and XXXX report. I have filed numerous disputes directly with credit reporting companies to remove Procollect , INC from my credit report/file. Procollect continually fails to provide sufficient documentation that I owe them the amount they claim. In addition, Procollect can't furnish proof that this is my account and continuously report on my credit report. Under the Fair Debt Collection Practices Act ( FDCPA ), the action taken by Procollect INC, XXXX, and XXXX violates my consumer rights because the companies fail to provide proof or documentation that this is my account. I have provided sufficient evidence that this is not my account and filed multiple disputes directly with XXXX and XXXX. I am also in the process of filing a complaint with the XXXX Attorney General 's Office. I have supplied proof of final payment and emails stating that I paid my last month 's rent on XX/XX/2021. I've attached proof of payment. 

Please advise because I am tired of being hassled by XXXX XXXX at Procollect, who has restricted anyone within the company from taking my calls and addressing my concern or filing disputes with the company. I have good credit, and this shouldn't be on my credit. 

Thanks in advance for your consideration and understanding.