davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

I submitted a credit application with XXXX XXXX XXXX XXXX credit card which is evaluated by XXXX XXXX XXXX. I received a letter stating they were unable to approve my application at this time for the following reason. Inability to verify your previous credit experience and as of XX/XX/ my credit score was unable to be calculated through Equifax. 
I reached out to Equifax and my credit report is available along with my credit score. I would like to take adverse action on this since I was evaluated and a decision was made without a proper evaluations from the credit bureau or XXXX XXXX XXXX
Consumer complaint received 2023-02-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (PA)

I have been in the middle of a loan modification over a covid forbearance plan i was on, during the modification Mr. Cooper my loan servicer did not apply a payment correctly, this was corrected and I was sent documents to sign while I was on vacation with no notice of this. When I got back I called Mr Cooper and they told me it was OK as long as they are sent by the end of the month, which they were. My modification documents were received on time ( admitted in a recorded call by Mr Cooper ) and they told me to wait and do not pay for the month of XXXX yet. I waited and called again and they stated on a phone call also recorded by the company that they were sending new documents to resign and be patient. I continued to wait into XXXX when I called again, I was told to continue waiting. Eventually on XX/XX/XXXX I called again and was told that there are no new documents and that I need to just make the XXXX and XXXX payments for the modification to finalize. I made a payment to that representative for {$3000.00} as shown in my bank statement attached, in a recorded call again by the company, to go to the XXXX and XXXX payments. Days later my mortgage was transferred to XXXX XXXX XXXX. Now XXXX XXXX XXXX displays my XXXX payment as missed and are threatening to put me in collections. I had a three way conversation with Mr Cooper and XXXX  on XX/XX/XXXX, recorded by both companies, to which I was told after an hour of the Mr Cooper representative looking into it that it clearly was paid but not applied, that it was instead applied to " bookings '' and that I should just pay the XXXX payment. I can not do this and my money is basically in limbo. I was told to send an email to address that I already emailed and got no response from. I have also attached the screenshot from the Mr Cooper employee showing my payments but not applied properly. Now as of XX/XX/XXXX MrCooper has responded to me with their final investigation and claims that a payment from XX/XX/2021 was reversed and this money was applied to that, but as I was in the covid relief plan there was no payments made at that time, so the money has effectively disappeared.
Consumer complaint received 2023-03-01
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: Experian Information Solutions Inc. (CT)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (SC)

I noticed unauthorized inquiries on my credit report that I would like removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-03-01
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: EQUIFAX, INC. (WA)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still some items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

On XXXX XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I have noticed several items on my credit report that I do not recognize. It appears that someone XXXX have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.
Consumer complaint received 2023-03-01
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: FactorTrust, Inc. (CA)

Unable to request security freeze through phone, mail, or online from these data furnishing companies. 

FactorTrust , IncXXXX XXXX XXXX XXXX XXXX XXXX FactorTrust, Inc.XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

On XX/XX/2023, I received emails from Bank of America stating that a new account has been opened and they were verifying my email address. I do not bank at Bank of America, nor did I open an account. I forwarded the emails to the email provided by Bank of America. 
On XX/XX/XXXX, I received an email that the bank account that was open was now closed. 
On XX/XX/XXXX, I received a check for {$450.00}, which was the leftover funds from the account. 
On XX/XX/XXXX, I talked to the fraud department at Bank of America. The representative stated the account was closed and they had marked it fraudulent.
Consumer complaint received 2023-02-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Outsourcing, Inc. (MD)

Monday, XX/XX/2023 at XXXXXXXX XXXX 

Received a robocall voicemail from XXXX. The voicemail named my first and last name as the intended recipient. '' " This call is from a debt collector. We are calling for Receivables Outsourcing LLC. This is an attempt to collect a debt and any information obtained will be used for that purpose. Please return our call to talk about a confidential business matter at XXXX. '' I do not owe any debt, and the voicemail provided no information about the " debt '' amount, the company the debt was for, and how to pay it. I believe this is a scam/phishing attempt. I have received no outstanding bills or balances in writing/via mail from any company or business whatsoever.
Consumer complaint received 2023-02-28
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX 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 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C. 1681s2 : Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors : 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. 

( B ) Reporting information after notice and confirmation of errors : A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2023-02-28
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

In XXXX we were offered a Disaster Forbearance Plan for XXXX to XXXX, since we were in the issue areas for the hurricane. When we reached out in XXXX to end the Forbearance and take the Deferment option, we were then notified that the original person who set up the Forbearance gave us false information. The Deferment option was never even an option based on our lender. We would have never taken forbearance with the other options listed on the letter we received on XXXX XXXX. I have spent countless days back and forth on the phone with them expressing that we were lied to and basically given the " too bad so sad, we sent a letter ''. We currently have an interest rate of 2.75 %. Initially we were told that we could make a repayment plan of {$3000.00} per month for 3 months. Then when we called back in XXXX to set up the repayment plan and resume our payments, they told us we were already set into a Modification. Why would I modify my loan to end up with a higher interest rate? Every call we have made, you will hear us saying Modification is not and would not be an option for us. We spoke to a supervisor named XXXX, who talked in circles and basically explaining thats our only option. My wife said we would call back and let them know which option we were taking. When we did, we said we would take the repayment plan, but NOW they have added XXXX into the forbearance so it will be 3 payments of $ XXXX. We were transfered to XXXX XXXX on XX/XX/XXXX, and after she went over our finances she explained that we wouldn't qualify for any other payment option after taking some information from me. I am a 100 % Totally Unemployable XXXX Veteran. After almost a 2 hour phone call, XXXX notified us that I was eligible to be placed back on Forbearance, and we could use that time to pay down like we had initially asked. ( I asked over and over again to at least make XXXX 's payment and was told we couldn't do that ). Yesterday afternoon we received a letter from Pennymac explaining that we may now begin receiving foreclosure notices if we don't bring the mortgage current soon. I signed on to my online account, and found a notice that says we requested to end the forbearance on XX/XX/XXXX. This is now multiple times they are making decisions for us without our approval or even knowledge.They keep posting as " Completed Covid Forbearance Plan '' but we never took a forbearance for Covid. We accepted the forbearance to get caught up from unexpected hurricane prep and post costs.
Consumer complaint received 2023-01-25
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY (SC)

I had my car financed through Wells Fargo Auto XXXX. I lost my job but had payment arrangements set up for XX/XX/XXXX. However, on XX/XX/XXXX, the car was repossessed even though I had one extension of payment left. I had never received a Right to Cure from Wells Fargo which is required by law in the state of South Carolina. 
That following Saturday, my father was contacted by an associate calling for the payment. When my father informed the agent that the car was already repossessed, the agent told him the car was not supposed to be repossessed. A week later, a Right to Cure was received giving me 20 days to make my payment to avoid repossession. No correspondence was sent to me regarding the car. I never received notice of my opportunity to reclaim the car or any information on the sale of the vehicle. Sometime back in XXXX, I received the title in the mail for a car I had never been given the opportunity to reclaim. 
On XX/XX/XXXX, I received a check in the mail for {$18.00} from Wells Fargo Auto. 
Today, my father and I both received a 1099-C for debt cancellation they claim occurred on XX/XX/XXXX. This entire ordeal is very upsetting for me. This is an effort to cause me more financial burden by creating taxable consequences for me. Thank you for any assistance or advice you can provide. I plan to seek legal advice on this matter if there are no resolution for me.
Consumer complaint received 2024-10-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Foreclosure
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

In XXXX of XXXX my wife and I opened up a HELOC at XXXX XXXX XXXX XXXX ( XXXX ) in Ohio. We never made any draws on this account but in XX/XX/XXXX someone without authorization transferred all XXXX to 2 other banks. XXXX XXXX received XXXX and Bank of America got XXXX. I was not aware of teh problem until we got a statement in the mail in XXXX saying our payment was due in the next 25 days for the amount owed XXXX. I immediately called XXXX and spoke with the VP of fraud and he said he would get going on the issue right away. A few days later I called back to see how things were progressing and the VP XXXX XXXX said they were able to get the XXXX back from XXXX XXXX but BOA was not willing to send the XXXX back to XXXX. I was told that BOA was going to take the 180 days to look int the problem and find their conclusion to this fraud issue. I never heard back from anyone until XXXX of XXXX when we got a certified letter from XXXX telling us what we owed with principle, late fees and interest charges. 
We sent a letter back to XXXX and told them this was not our debt and we never authorized any wire transfers to these banks or anyone else. In fact we did not know the account even had this option on it. 
After they got our letter, in XX/XX/XXXX they sent another certified letter saying if we did not make any payments before XX/XX/XXXX they would start with foreclosure proceedings. 
We have filed a State Police report with the state of Indian in XX/XX/XXXX and filed a complaint with the Indiana Attorney General.
Consumer complaint received 2020-04-23
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: PNC Bank N.A. (VA)

My wife and I applied for an auto loan refinance on XX/XX/20 using the online application at PNC. She was approved for the loan with a rate of 3.39 %. PNC informed us that we would need to go to a branch to close the loan and the rate was locked for 2 months. We checked the website and loan portal link on XX/XX/20 and confirmed that the rate of 3.39 % was approved and the best rate offered on their website. On XX/XX/20 she went to the branch in XXXX, VA. After collecting additional information PNC informed us the rate was now 0.4 % higher. After informing them that was not agreed upon we logged on to the loan portal to see the rate was changed just minutes ago. We had a screen shot as proof of the original approval after the branch manager claimed we had no documentation to support our claim. The best rate offered on their website was 3.39 % on XX/XX/20 as well. This is classic bait and switch. They were unable to close the loan that day and were unsure if they could resolve the matter despite our complaints.
Consumer complaint received 2023-02-28
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. (KY)

XX/XX/2020 XXXX said I opened an account which is not true I was XXXX  at the time the account is XXXX there number is XXXX I call and can never get in touch with them. This is reporting on my Experian report and I would like this account removed off my report it says I have late payments 90 and 120 days which is not true because it is impossible for me to even open the account in the first place. This is really having a negative impact on my credit report and I would like this resolved!
Consumer complaint received 2023-02-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NV)

On Monday XX/XX/2023 I went with my family to Ikea to order furniture for our new home that we purchased. I went in knowing that I wanted to apply for Ikea 's Projekt Credit Card and I applied on their kiosk. After an employee typed up the order and I went to pay for XXXX XXXX  worth of items and the new account did not go through and said declined. The manager in store tried serval times and still nothing. They had me call Comenity ( the credit card company ) and the agent said I had a limit of {$2500.00} for the first 4 days of applying for the card. The amount I was approved for was {$7200.00} so that did not make sense. I said okay then let 's do {$2500.00} and tomorrow I will purchase the rest. Nope that didn't work, now the agent placed me on hold to get someone else and she never came back. 40 mins spent with the 1st agent and the manager in store said we can try tomorrow since I had my kids and they were hungry. While driving away I called again and another agent said the issue was that of the virtual card and the store needs to pull my account and charge it that way. Okay back to the store and nothing I called again and was given a different answer and it was because the card number was being entered manually I asked to speak to a manager and was hung up on, called again asked for a manager and I was transferred then call dropped. I called again and was finally able to get a Sr. Specialist named XXXX and he said that there is a known issue for newly opened accounts and they are trying to fixed eta 3 days. I advised XXXX that he needs to provide that Information out to the phone agents since all of them were giving me different answers. I called today XX/XX/2023 to check into this " known issue '' and I spoke to XXXX. He gave me another reason why the card isn't working, It's the virtual card issue use the account number he said. I asked to read the notes on the account left be XXXX and then he said oh yes yes wait 3 days or the card that will come 7-10 business days. No one knows what is going on and I am left with no purchase an account that was opened and unable to use because of " known issues '' that no one knows about.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

These accounts were charged off on the following date : XX/XX/year> Since then the date of last activity has been inconsistently updated to all XXXX credit reporting agencies XXXX, TransUnion, and XXXX If the dates are coming from the original creditor the dates should be the same. We can not say these accounts are 100 % accurate, therefore all the accounts are deemed inaccurate. Please delete all accounts from my credit report immediately. The accounts are listed below with all relevant information. 

Account name : XXXX Account XXXX XXXX XXXXXXXX TransUnion : Date last activeXXXX XXXX : Date last active, XXXX XXXX : Date last active, XXXX Account : XXXX Account XXXX XXXX XXXXXXXX TransUnion : Date last XXXX XXXX : Date last active, XXXX XXXX XXXX Date last active, XXXX Account XXXX XXXX Account XXXX XXXX XXXX TransUnion : Date last active XXXX XXXX : Date last active, XXXX XXXX : Date last activeXXXX