davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

On XX/XX/21, I contacted Portfolio Recovery to inquire about a collection for XXXX XXXX reporting to all 3 major credit bureaus in the amount of {$1200.00}. I spoke to 2 representatives and a supervisor who all stated that they could find NO record of the collection in their office. They stated that since they could find no record, they couldn't do anything about it. 

I am currently in the processing of loan approval and having this collection on my reports is not only hurting my scores, but also the history of my reports. I have included screenshots of the erroneous reporting and their contact information listed on my credit reports.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-11-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION (MD)

I purchased my home XX/XX/XXXX and financed through XXXX XXXX  with a conventional loan. 30 yr fixed loan with 2.75 interest rate. Over the last yr they have been converted to Truist Bank. In XX/XX/XXXX I called in to get some advice and assistance with my mortgage payments because I was behind 2 payments around XXXX and had heard about banks helping with covid relief. I explain that my husband and I where still working however my husband was working more hours and making less money and where having a hardship. We had all our XXXX children living with us at the time. XXXX  over the age of XXXX and XXXX  under. And to please advise what programs where we eligible for. We talked about several different options. Forbearance, Which would put the owed amount to the end of the loan and loan modification which I stated I did not want a modification are the two I remember. Go back and forth talking with several different reps all telling something different which are noted in their notes the whole thing was very confusion. I also don't think that the reps where knowledgeable about there products and services. Right after that I excepted a 6 mo. forbearance and at the end, I paid the 6mo owed in full around the amount of XXXX. In XX/XX/XXXX I entered in to another forbearance that ends in XX/XX/XXXX. I called in to review my forbearance and pay off options. the Rep began to review my loan and informed me that in XX/XX/XXXX I accepted a modification that saved me XXXX a mo. bringing my payment from XXXX to XXXX mo. by extending my maturity date to XXXX and increased my interest rate to XXXX. I'm completely at loss, I would never accepted those terms had I completely understood. to save an immediate payment for XXXX in exchange for adding over XXXX dollars to my loan at least and doubling my interest rate. As a Financial institution they are required to not only do what is in the best interest for the company but also the customer. I believe with this being a conventional loan they did what was in the best interest of the company and there is no one they have to get approve with or answer to but the bank. This is an unfair practice and unethical and unfair to me the consumer. If this was a FHA loan they would have to adhere by so type of Federal guidelines. They have validated the unfair trade practice.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NY)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2020-11-19
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (ID)

Refinanced mortgage with Amerisave Mortgage Company. Loan application with Amerisave was to pay off both loans at XXXX. The larger loan ( XXXX ) was paid off but for some reason the smaller loan ( XXXX ) didn't get paid off. I have contacted Amerisave and got the run around and that I need to call the Title company XXXX XXXX XXXX XXXX XXXX. Called XXXX XXXX phone lines constantly busy. Emailed and spoke with XXXX XXXX at Amerisave several times and was told the issue has been escalated up their chain, so far no resolve. I have been dealing with this for over a month. I am currently paying on the new mortgage and still having to pay on one of the old mortgage loans. Why is it taking the companies this long to find where the money went? What happened to the loan money and why can't they find it now. Why can't they reissue the check to payoff my mortgage loan.
Consumer complaint received 2020-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/XXXX, I contacted XXXX because I was having problems logging into the account. Prior to this contact, I had never had any problems wit, h my credit profile or any fraudulent activity. 3 days after speaking with an XXXX customer service representative, I was altered that someone had opened a Capitol One /Cabelas account in my name. I had not used my credit or left my home the entire weekend. I began to trace my activity and remembered the call made to XXXX  on XX/XX/XXXX. On Saturday XX/XX/XXXX I contacted XXXX and tried to place a fraud alter but was told I could not as the Department was closed over the weekend. I then asked to speak with a supervisor to discuss the sensitivity nature of my suspension. I was put on hold by customer service rep. XXXX and he never returned to the line. I hung up and repeated the call and spoke with customer service representative XXXX. She stated she would put a call alter on my file, but I was denied to speak with a supervisor and was told I had to put in a 24 to 48 hour request to speak with a supervisor. She also stated I had to call back between XXXX toXXXX Monday through Friday to place the fraud claim as she stated the Department was closed. 
On Monday XX/XX/XXXX, I contacted XXXX  as I was transferred over 5 times before speaking with XXXX in the fraud Department ( XXXX XXXX ). I again explained my dilemma and concern regarding my XX/XX/XXXX experience with the XXXX  customer representative. I was placed on hold for several minutes at a time only for the representative to return to the line with various excuses as to why I couldn't speak with a supervisor. 
I have yet to speak with a member of management to address my concern of how my credit profile was breached.
Consumer complaint received 2021-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (UT)

I recently received a response from Wells Fargo Home Mortgage of another complaint. I have a few issues with this response. I've attached copies of the response. One this response thy stated that they never reported the late 's for XXXX XXXX and XXXX, I have included a copy of the account from my credit report where they are reporting the erroneous late 's. I need a deletion letter as confirmation that this will be fixed. They also included a phone number they have been trying to reach me at, this number is not mine and never has been. I've included a screenshot of my account with Wells Fargo where you can see the primary number is XXXX XXXX and the second is mine. I'm not sure where this number even came from, like I stated this number has never been mine. I truly feel as if these reporting are incorrect and if they would have contacted me using the information I have provided we would not have this issue. It has never been my intention to be late nor was I really aware I was late, I plea with Well 's Fargo to please remove all the late notations from my credit file.
Consumer complaint received 2020-11-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (FL)

Good Afternoon, My Name is XXXX XXXX and Im writing in regards to my outstanding student loan. 
My first complaint relates to the COVID payment Deferment. I have had a loan from XXXX and have defaulted in the past. However I have maintained consistent payments over the past 9 years. My question is when this COVID law took place in XXXX of XXXX ( allowing loan holders to defer payment/ interest halt XXXX per the article from consumer reports-why was my tax refund taken in XXXX of XXXX? Every year For over 6 years the XXXX XXXX New Jersey Higher Education, take my entire income tax refund 100 % of it. My taxes were filed in XXXX and this law was in effect. If the government is deferring payments and or interest wouldnt you think this applies to taking tax refunds? Please advise. 

My second complaint is in regards to my loan in general. I have had a long history with XXXX XXXX and their deceptive policies. I was charged a enormous amount of interest on my loan for many years ... .and I have participated in a lawsuit- which never happened. I have reached out to numerous lawyers/ and student loan consultants but no one will touch my case. 
Im informed over and over again that because my loans are with the government, I really have no rights. If you can direct me to someone that can hear my case that would be great! 

I would like to hear your feedback. 
I can be reached by email or phone : XXXX Sincerely XXXX XXXX
Consumer complaint received 2020-11-19
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bayside Capital Services, LLC (CA)

Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX XXXX Account Number XXXX Account Type Unsecured Responsibility Individual Date Opened XX/XX/XXXX Status Closed. {$2500.00} written off. 

Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment {$0.00} Original Balance {$2600.00} Highest Balance {$0.00} Terms 47 Months
Consumer complaint received 2021-01-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION (VA)

My wife and I applied for a mortgage refinance in XX/XX/2020 and still have not received a formal approval and a closing date for the mortgage refi. PenFed has apologized profusely and told us they don't have the staff to process the number of refis that are pending in a timely way. They told me they have hired contract employees and others to help the process, but at least some of them are either unresponsive or poorly trained and take forever to do the simplest of tasks. It took months just for the underwriters to finally decide that we meet the requirements for the refi, but that happened more than a month ago and everything now seems to be stopped. The loan officer and her manager don't seem to be able to get a status out of the mortgage processing group and are now telling me they are waiting too. There seems to be no one in charge managing this process so their customers are just left blowing in the wind. This is particularly galling because my wife and I have our existing mortgage ( that we are trying to refinance ) with Penfed and also 2 credit cards with them, so they are very much aware of our financial status. Finally our credit scores are around 800 so there is no reason this process should be taking this long.
Consumer complaint received 2020-11-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (MA)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the XXXX major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also, there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediately reported to the America Bar Association and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2021-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Visio Financial Services Inc. (CO)

I have a commercial loan I closed w a broker in XXXX of 2021 through Visio. Both visio and my broker told me multiple times it would not show up on credit bc it was a commercial loan. Both their websites actively advertise this. 
Anyway everything was fine until my loan was sold to XXXX XXXX  out of XXXX. They are reporting my commercial loan on personal credit as of this month. 
XXXX XXXX said they can bc I am a guarantor. I paid over $ XXXX to buy down loan and have a prepayment penalty. Either the broker and Visio actively lied to me or XXXX is in the wrong. I need to know who and how to resolve.
Consumer complaint received 2021-11-09
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. (CA)

Transunion is displaying erroneous information on my credit report, I contacted XX/XX/21 and they still havent updated my credit report with the false information deleted. Please correct this thanks.
Consumer complaint received 2021-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Technology, Inc. (CA)

XXXX XXXX XXXX XXXX  : XX/XX/2020 ( 30 day ) and XX/XX/2020 ( 60 day ) XXXX : XX/XX/2020 XXXX 30 day ) and XX/XX/2020 XXXX 60 day ) In both instances, I had issues with address discrepancy and wasn't receiving invoices/bills which kept me from making payments in a timely manner. Due to COVID-19, it was necessary that I take care of my elderly parents, and needed to have mail forwarded, but as it turns out not everything was arriving. As soon as I discovered the discrepancy I dealt with balances in full. As of of now both cards do not carry a balance but these missed payments have made a major impact on my credit score.
Consumer complaint received 2020-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (AL)

In XX/XX/2020, I opened an account for the Amazon Rewards Visa credit card through Chase Bank Cardmember Services. I began to use the card and would pay off the balance at each billing cycle. On XX/XX/2020 I made a payment for {$520.00} which was the balance of the account. On XX/XX/2020, the payment cleared my deposit account at XXXX. On XX/XX/2020, I attempted to make a hotel reservation with the card and the transaction was declined. I contacted Chase Bank Cardmember Services and was told that my payment had been put on hold and the hold would not be released until XX/XX/2020. I inquired why the payment was on hold. I was told that all new credit card accounts payments are put on hold during the first 120 days of the new account. I asked the Bank how this is not a violation of Truth In Lending Regulation Z 1026.10 ( a ) when the payment was made in accordance of the Banks conforming payments per the account agreement and the billing statements. I was not given a sufficient explanation and told there was nothing they could do to release the hold. I feel this policy of holding the payment is in violation of 1026.10 and is an unfair and deceptive practice by the Bank.
Consumer complaint received 2020-11-19
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (CA)

I moved and didn't receive my billing for 2 months XXXX XXXX, XX/XX/2019 XXXX because XXXX sent the bill to my old address after I moved and reported my new address to them. I called them and explained the situation over the phone to their billing department and they told me not to worry that they understood and would take care of it and remove the late pay as I had never ever been late before and it was such a small amount. 

They did not remove the late pay, so I called them again and they said they would get back to me but they never did. I then send a dispute letter to the credit bureaus, and still I got no response. 

I am now trying to apply for a mortgage loan and this is affecting me. The company has refused to help me with this in any way
Consumer complaint received 2022-07-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (CA)

Using a making frequent payments to my account. Used it out of town and they restricted my account. Have been calling for 2 days and no one can tell me why just to wait for someone to call me.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2021-01-21
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: Early Warning Services, LLC (MN)

Please review the attached documentation. I was a litigant in a class action lawsuit against Early Warning and received a settlement payment for Early Warning reporting inaccurate and incorrect information on my consumer report # : XXXX. Early Warning continues to report fraudulent information on my Early Warning Consumer Report. All the information of bank checking accounts listed on my consumer report is fraudulent information. I have never ever had a checking account in my entire life. Its all fraudulent information.