davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I have had a Home equity loan from XXXX XXXX since XXXX ( interest only payments until XXXX ). In XXXX it converted to interest and principal payments ( the monthly payment nearly doubled ). As I was now retired on a fixed income at that time, the new higher payments were a struggle to make. I applied to XXXX for a loan modification. This process was to say the least, agonizingly slow and laborious. However, after many months the modification was approved and my new monthly payment was reduced by half making it very affordable and putting my mind at ease. <P/>But here 's the problem. From XXXX of XXXX to XXXX. of XXXX the payments were getting ahead of me. I started to fall behind while waiting for the modification from XXXX to come through. When I could I would go to the local branch of XXXX and make payments of {$1000.00} dollars. In one of many phone conversations with the modification officer working my case, I mentioned making these payments. He said I did n't have to do that. He stated that any unpaid balance would be assimilated in to the modified loan. So I stopped making those payments. <P/>The modification was approved and I entered the 3 month trial payment period. Having made those trial payments on time, the final new modified loan was approved. And in deed, the previous balance was assimilated in to the new loan and the account show current. <P/>Now, here 's the rub. It seems that during the 3 month XXXX XXXX, XXXX and XXXX of XXXX XXXX trial period those payments did not go directly towards the loan balance. I 'm assuming they went in to some kind of holding account until the trial period was over. And, indeed that is what happened. But meanwhile the bank reported that not only were there late payments from XXXX XXXX to XXXX XXXX but they also reported as late, the trial period payments XXXX XXXX, XXXX and XXXX XXXX XXXX even though they were made on time. <P/>My credit rating has since gone downhill now. I have written to XXXX and even contacted the local XXXX branch manger to try and correct this problem. According to the Credit bureaus I 've contacted, this type of dispute has to be corrected by the bank. The bank has replied basically saying " Tough luck '' I 'm a XXXX year old retired Veteran. I may not have 7 years to wait for the credit report to " self '' clean the information. <P/>I 'm at a loss as to how and try to fix this problem. I WAS TOLD by the bank that I did n't have to make those payments and then they XXXX me ( and I 'm guessing a lot of others too ) by giving me a bad credit rating with no effort to fix it. <P/>I 'm at a loss!
Consumer complaint received 2016-11-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion indicates I have a late payment that supposedly occurred 5 months ago, but that is not true. I have disputed other credit reporting issues recently, and it was only after I did so that my credit score dropped dramatically for no apparent reason. I would like Transunion to provide proof as to which particular account ( accounts ) I paid late within the past 12 months.
Consumer complaint received 2016-09-10
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

I live in XXXX, CA and my loan servicer has changed 4 times and I can not finalize a loan modification. The current loan servicer is Carrington Mortgage Services and they have violated my homeowners rights. My attorney has filed a complaint outlining XXXX causes of action.
Consumer complaint received 2016-09-10
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I was a victim of fraud. A woman contacted me about buying cosmetics thru my site. She sent me a cashier 's check but stated that I was mistakenly sent the entire amount of her paycheck ( {$2400.00} ) instead of the cost of product ( {$580.00} ). She asked that I order the product for her & send the remaining balance ( {$1800.00} ) to her via XXXX or transfer. I received the cashiers check, it was from a valid credit union, and I deposited it into my account. The funds were made available immediately. The next day, I ordered the product and then did a XXXX to XXXX transfer of {$1800.00}. Yesterday, Bank of America reversed the check out of my account since it was found to be fraudulent. I filed a police report and requested the bank 's help in having the money funded back into my account since they cashed the check. I was told that due to my good standing relationship with the bank, they made the funds available immediately but when the check was found to be fake, they reversed the deposit. They will not refund my money because I was the one who deposited & then used the money in the account. I asked them how I was supposed to know the check was fraudulent when they cleared it and made the funds available. They told me to file a police report, go after the person that sent me the check and that there was nothing else they could do. They then proceeded to charge me overdraft fees! My account is currently in a negative state and I have no money to buy anything. I can not buy groceries for my family or gas for my car. I closed XXXX accounts with BofA and the online rep actually thanked me for being a valued client! I have filed a report with the XXXX Police Dept but have been told the likelihood of finding the criminal is slim. I do n't know what I will do but I want to make sure that Bank of America does not get to treat another " valued client '' in the same manner. There was no way that I could have known that check was fake. They told me that if I had n't used an ATM to deposit the check, it may have been caught! I get CHARGED a fee if I go inside to a rep since I have an Online banking account, so why would I bring a cashiers check into the bank, which was closed at the time anyway. I do n't know if I 'll get any resolution to this situation and I do n't know how I will get through the next 2 weeks before I am paid again but I do know that Bank of America acted just as criminal to me as the person that perpetrated the scam and I do n't want them to do this to anyone else.
Consumer complaint received 2017-03-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

On XX/XX/2017 I sent a letter to EQUIFAX in regards to an unverified account with XXXX being reported on my credit report. In the letter I stated for the unverified account to be removed as it is negatively affecting me. I did not receive a response and Equifax continues to report this account. On XX/XX/2017, I submitted a complaint to national credit systems for the same unverified account and they responded stating that they would send validation of this debt. It is now XX/XX/2017 and I have not received any documentation validating this debt. Again, I am requesting that this account be removed from my credit report as it is affecting me. I have attached proof of the response I received from XXXX as well as the letter I sent to Equifax requesting the unverified account to be removed.
Consumer complaint received 2016-06-23
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I was XXXX hours a way from home and I tried to use my debit card to buy gas and I was told the card was declined. I call Bank of America and they said that my card has been canceled. I try to tell them that I am far from home and I had no money for gas and all I need is access to my money and they said there is nothing they could do. Do they have the right to hold my money and black me from accessing my own account.
Consumer complaint received 2017-07-10
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. (GA)

Hello, XXXX XXXX account # XXXX is appearing as a collection. This account is no longer in collection, it has been settled as it says so on the attached credit report. <P/>Please delete the file. <P/>Thank You.
Consumer complaint received 2024-10-14
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. (DC)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2024-10-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Interest rate
Company: WELLS FARGO & COMPANY (FL)

Are there fees or penalties that accompany a CARES forbearance request? 

The provisions of the act were specifically written to prevent the charging of fees and penalties related to a XXXX forbearance. During forbearance, servicers aren't allowed to charge extra interest beyond what you would have typically paid for your monthly mortgage payments. 

At the end of my covid relief I was forced to modify and resulted in XXXX of capitalized interest added to my mortgage amount
Consumer complaint received 2016-09-10
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: DISCOVER BANK (GA)

I applied for a loan with Discover to consolidate some debt at a favorable interest rate. My application was based on the credit scores I have received from Discover. I was denied ( credit score was quite different ). However the reason sighted and given over the phone does not matched up to the information I received from the company on a monthly basis. My expectation was that the loan should have been approved. Most of the reasons given were generic, especially since I had paid of the balance of most of my cards. I also have paid my debts on time for years and the only delinquency involved the company not receiving the payment on time due to nondelivery. Also, most of my accounts I have had for years. Again the credit score that was sent to me on a monthly basis. I believe the company is either misrepresenting the information it sends to their customers or illegally profiling due to location.
Consumer complaint received 2017-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Nelnet, Inc. (TX)

I have had this account XXXX on my credit report for years and I 've always second guessed it because I did n't recall signing up for a student loan being that I was offered a full ride on an academic scholarship. I never received any information about a payment being due for this account until I pulled my credit report and discovered that my credit score was being affected by multiple late payments for this account. Now I finally know the reason why, this student loan does not belong to me! I recently logged on the the Nelnet website to go ahead and bring this account current. This student loan is for XXXX which is a campus that I have not attended and not only that a home address in XXXX XXXX, TX which I have never resided. I am outraged that this information has been added to my credit profile without proper verification of identity. I want this account removed immediately being that this account does not belong to me. I am using consumer finance seeking help to have this inaccurate information removed.
Consumer complaint received 2016-07-09
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

In XXXX 2016, my identity was stolen. A Capitol One credit card was opened in my name and sent to my old address of 20 years ago. Capitol One was alerted and was supposed to take the hard credit inquiry off my report and cancel the credit card. A letter dated XXXX XXXX, 2016 stated that they would remove this account. When the hard credit report was not removed as of XXXX XXXX, I called and got the run around. They said it would be taken off in 60-90 days. I called again XXXX XXXX as it was still not off. Again, was told 60-90 days. I believe the law states 30 days to remove unauthorized inquiries. They also did not have my permission for the inquiry. As of XXXX XXXX, 2016, the hard credit inquiry is still on my credit report. I also feel Capitol One was negligent in opening the account to begin with as I already had a Capitol One account with my current address in Georgia. This should have been a red flag and I should have been contacted by the fraud department before it was issued. If I had lost my card, they would not send it to a different address. Capitol One has not been very helpful in resolving this issue, so am contacting you in hopes of having the unauthorized hard credit check removed from my credit reports. It is currently on all the reports. A fraud file was opened at the XXXX County Sheriff 's department. A freeze and fraud alert was put on all my credit accounts. I was the one that caught the fraud and not Capitol One.
Consumer complaint received 2017-03-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Upon careful review of my Transunion credit report I found XXXX Public records listed under my name and SSN # which contain XXXX Chapter XXXX and XXXX Chapter XXXX records. I contacted Transunion by phone and according to the representative XXXX whom I spoke with on XX/XX/2017 these public records were verified with the Courts. 
My inquiry to the Georgia Federal Court of U. S. Bankruptcy Courts confirmed Transunion Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all tax lien and bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-14
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. (OH)

I am a victim of identity theft and the XXXX Data Breach that has led to several fraudulent accounts, names, addresses, and credit inquiries being reported on my credit file. I invoke my rights under the Fair Credit Reporting Act ( FCRA ) and demand immediate action. 
Failure to comply with these federal laws will result in further legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing civil litigation for damages. 
FCRA 605B ( 15 U.S.C. 1681c-2 ) Identity Theft Block You are legally required to block any information resulting from identity theft within four business days upon receiving proof of identity theft. I have enclosed my FTC Identity Theft Report and relevant police reports as evidence. You must comply immediately. 
FCRA 611 ( 15 U.S.C. 1681i ) Dispute Process and Investigation You are mandated by law to investigate and remove any disputed information within 30 days. If you can not verify the information, it must be deleted. Non-compliance with this section will be treated as a direct violation of federal law, and I will escalate the matter legally if necessary. 
FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) Providing Records to Victims of Identity Theft I am formally requesting copies of all records related to the fraudulent accounts and inquiries linked to my identity. Under the law, you must provide these records. Failure to do so will be treated as a breach of FCRA compliance. 
FCRA 623 ( 15 U.S.C. 1681s-2 ) Responsibilities of Furnishers of Information Furnishers are legally obligated to ensure the accuracy and integrity of the information they report. Inaccurate information must be corrected or removed immediately. Non-compliance with this section will result in legal action and the pursuit of damage
Consumer complaint received 2024-09-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (GA)

I am a wedding planner, and on XX/XX/XXXX, and XX/XX/XXXX, XXXX clients paid me through PayPal for planning and coordinating their upcoming weddings. Without any prior notice, PayPal has held these funds, which are intended to cover the expenses for their weddings, including payments to various vendors. Only a small portion of these funds is designated for my service fee. 

XXXX wedding is scheduled for XX/XX/XXXX, just a month and a half away, and the other is planned for early XXXX. I do not have the financial capability to advance these expenses on my own. If the funds are not released or refunded, I will be unable to fulfill my contractual obligations, causing significant harm to both my business and my clients ' events. 

PayPal has stated that the funds are being held for up to 180 days to protect against potential chargebacks or claims. However, it is impossible for my clients to file a claim or request a refund since the account is frozen. This puts my clients in a position where they are both unable to access their own money and unable to seek a refund through PayPal. The amount is over {$5000.00} I am requesting that PayPal either release these funds to me immediately or refund the payments directly to my clients so they can arrange an alternative method of payment. Holding these funds for six months without providing a means for resolution is unreasonable, harmful, and potentially in violation of federal regulations. 

Under the Electronic Fund Transfer Act ( EFTA ) ( 15 U.S.C. 1693 et seq. ), unauthorized holds or restrictions on legitimate funds that cause undue harm to account holders are not permissible. The prolonged hold on these funds is causing significant damage to my business and preventing my clients from accessing their rightful payments.

This situation must be resolved immediately. No financial institution governed by the FDIC would be permitted to hold legitimate funds without providing a clear and fair resolution process. I urge PayPal to release the held funds or refund them to my clients within seven ( 7 ) business days to prevent further harm and avoid potential legal action.
Consumer complaint received 2017-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

My credit bureau is showing inaccurate information to the bankruptcy filed in error the bankruptcy court said they never supplied this information to the credit bureau so therefore it was obtained by another source and reported incorrectly. I 'm requesting that the bankruptcy that is listed on my report be removed. This is effecting me from obtaining a home and causing financial distress.
Consumer complaint received 2017-03-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (FL)

I applied to have my student loans taken out off default and most of them were rehabilitated. However, {$6000.00} worth were not. I call navient on many occasions looking to resolve the issue but it never happened, and I continuously received misleading and confusing information. Now I am unable to have access to my transcripts due to a hold and just received a letter requesting full payment.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CT)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I am writing to dispute the late payments reported on my credit report for the account with [ XXXXXXXX XXXX XXXX. 
update my credit According to the law 15 USC 1666b ( a ), a creditor may not treat a payment as late unless they have adopted reasonable procedures to ensure that each periodic statement is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have never received the periodic statement along with the disclosures required by section 1637 ( b ) of the Consumer Credit Protection Act from [ XXXX XXXX  ]. Despite requesting proof that this information was sent to me at least 21 days before the payment due date, [ XXXXXXXX XXXX  ] failed to provide such evidence. 
As per Rule 1002, I have requested this information in good faith and it is the responsibility of the creditor to provide evidence of compliance with the law. Since ( XXXX XXXX ) has failed to provide this evidence, I kindly request that the late payments be removed from my credit report. 
I would appreciate it if you could investigate this matter and report accordingly. 
Thank you for your attention to this matter.