davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-27
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. (FL)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, XXXX, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2020-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (NY)

With regard to my Chase Freedom credit card account number XXXX, I requested a COVID-related accommodation for a late payment but was denied. 

Chase Freedom is reporting to the credit reporting agencies ( CRAs ) a 30-day late payment for a missed payment between XX/XX/XXXX and XX/XX/XXXX. 

The late payment is COVID-related. At the time my mother-in-law was in a hospital in New Jersey for a XXXX XXXX XXXX when she contracted XXXX and remained sick for two months. During this time of anguish and uncertainty I completely lost track of the Chase Freedom account, but as soon as I realized that payment was late I immediately made payment in full on XX/XX/XXXX. 

I asked Chase to make a COVID-related accommodation pursuant to the CARES Act, but was denied on grounds that they can not make accommodations for past credit reporting. 

However, pursuant to the terms of the CARES Act, I am worse off having made full payment without requesting an accommodation than if I had first requested an accommodation and then made the payment. This is nonsensical. 

Per Cares Act, 15 USC section 1681s-2 ( a ) ( 1 ) ( F ) ( ii ) ( II ) ( bb ), if an account was delinquent before an accommodation is made and the account is brought current during the period of accommodation, then the information furnisher must report the account to the CRAs as current. 

Here, my account was delinquent. I missed a payment due to COVID illness in my family. I made complete payment before requesting an accommodation. Chase says they are obligated to continue reporting the account as 30-days late despite it being COVID-related, and despite CFPB guidance for lenders to work constructively with borrowers affected by COVID, ( per CFPB guidance dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). 

Meanwhile, if I had not made the payment and remained delinquent, then requested an accommodation from Chase while still delinquent, then per the CARES Act section cited above I could have brought the account current and Chase would be required to report the account as current. 

I am being penalized for bringing the account current without having first asked for a CARES Act accommodation. This is an absurd and unfair result that contradicts the CFPB guidance that lenders accommodate borrowers affected by COVID.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MARINER FINANCE, LLC (OH)

I had an account with Mariner Finance that they have been reporting incorrectly, I have asked them several times to correct. I now must move this to another level. Mariner Finance has reported to XXXX, XXXX and XXXX that this account was charged off of {$980.00}. If that were true why did they send me a refund check stating I have over paid. Also they are reporting 3 charge offs on same account, you can only have one charge off.. I have proof of refund check that I overpaid when I paid it off.
Consumer complaint received 2021-02-20
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 — Investigation took more than 30 days
Company: AES/PHEAA (OH)

I filled a dispute awhile ago in regards to the incorrect information on my credit report. It has been well over 30 days and I have not received any investigation results.
Consumer complaint received 2020-10-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

Our mortgage was originally held by XXXX XXXX  XXXX, but it sold the mortgage a few years ago to Nationstar Mortgage, now known as " Mr . Cooper. '' We are in the process of prepaying our mortgage down to XXXX. On XX/XX/XXXX, we sent a payment of {$42000.00} to Nationstar, which it accepted and applied to reduce our balance ( according to them ) to {$890.00}. A week later, on XX/XX/XXXX, we sent a payment of {$890.00}, which we calculated as the sum of the balance shown by Nationstar on XX/XX/XXXX plus a week 's worth of interest. Ever since, Nationstar has held that {$890.00} payment as unapplied funds, until today when it returned the payment to XXXX XXXX XXXX and it was restored to our checking account. The only explanation we have received from Nationstar is that the payment is insufficient to pay off the mortgage, but they have failed to tell us why. We have asked for an explanation and told Nationstar that if there are processing fees that they wish to charge us that they need to itemize and explain them to us for our consideration. Nationstar has ignored our request to do so. In the meantime, Nationstar shows on its website that we still owe a monthly payment of {$390.00} due on XX/XX/XXXX, which according to them makes us delinquent.
Consumer complaint received 2020-10-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CO)

PayPal sent me a message today that it was permanently closing my account without an explanation why. I tried to contact PayPal but their automated phone system immediately hung up on me, and PayPal has apparently locked me out of being able to message it online. I can assure PayPal I did nothing fraudulent or that would otherwise violate its terms, so I want ( a ) an explanation of what problem they detected and ( b ) an opportunity to dispute the closure and get me account reopened.
Consumer complaint received 2019-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (TX)

CFPB case # XXXX was submitted last month for an inaccuracy reported by Synchrony Bank/ Lowes and the creditor Synchrony Bank/ Lowes agreed in writing to update and remove the inaccurate late payment reported to XXXX XXXX and XXXX ; Initially the late payment  was removed - However after the case was closed the late payment showed back on XXXX   several days later - Synchrony Bank replied to myself and the Consumer Financial Protection Bureau this inaccuracy would be removed - I also spoke with 2 managers at Synchrony Bank that acknowledged no payment was ever 30 days late and I have a 36+ month payment history with no late payments ever- Please help me update this inaccuracy as it is erroneous and is adversely affecting the ability for my daughters and I to purchase a home soon!
Consumer complaint received 2019-04-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (MD)

Disputed twice currently XXXX dispute XXXX as of XXXX separated told XXXX XXXX divorced XXXX was not at that address at all since XXXX this is not my bill {$210.00} XXXX XXXX now it is in collections which affects my credit report me and my x just completed bankruptcy court now this!!! I did not make this bill XXXX XXXX {$210.00} said so twice to XXXX XXXX must been signed in my name I refuse to let this affect my credit report after going thru bankruptcy please help!!!
Consumer complaint received 2018-01-24
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: EQUIFAX, INC. (AR)

I have called and written numerous time to Equifax about hard inquires on my credit report. I do not have an knowledge or remember having these companies pull my credit or applying with companies. Equifax has stayed these inquires are factual and to contact the creditor. This inquires are not factual.
Consumer complaint received 2020-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (TX)

On XX/XX/20 I logged into my discover account to find the credit limit on both of my credit cards severally reduced ( over 60 % on one and over 75 % on the other ) with no notice or explanation given prior to contacting the creditor. When I did contact them they stated talking points " from to time we review credit worthiness '' ( and so on ) but ultimately it was due to a collection account that was placed on my record ( which has been disputed ). I have never missed a payment on my discover cards or any of my credit cards/loan payments. I have a flawless payment history yet when a credit agency that is known for deceptive practices places an inaccurate and/or fraudelent record on my account they jump ship like snake oil salesmen after a town is bled dry. 

The detrimental impact is the following : My credit report will now show that a creditor reduced by available credit, if I try and get another credit card it will impact my overall credit rating, and I had XXXX presents for family members already pre-ordered with those cards that can no longer be purchased due to being sold out completely ( one of  the gifts was for an XXXX  servicemen who is currently XXXX  ). 

It's unfortunate that during a global epidemic that this company not only took these actions, but took them against a customer who did nothing wrong ( again, no late payments of any kind ) and their customer service and account specialty department did not care whatsoever.
Consumer complaint received 2024-01-30
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. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Immediate Cease and Desist from Reporting Fraudulent Accounts Dear Experian, I am writing this letter with grave concern and utmost urgency regarding the fraudulent accounts erroneously listed on my credit report under your supervision. This is not just a request ; it is a demand for immediate action in compliance with the Fair Credit Reporting Act ( FCRA ). The following accounts have been fraudulently opened in my name and I categorically state that I have no association with these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Notably, these accounts are not present on my credit reports from XXXX and XXXX, highlighting a significant discrepancy in your reporting practices. Under Sections 609 and 611 of the FCRA, I demand the removal of these inaccuracies. Your continued reporting of these accounts, despite my previous notifications, is a direct violation of my rights under the FCRA. Should these inaccuracies persist on my credit report, I am prepared to take legal action, including seeking damages of {$1000.00} per account as stipulated under Sections 616 and 617 of the FCRA. I expect a written confirmation from Experian acknowledging the receipt of this letter and detailing the actions taken to rectify this situation. Your failure to act promptly and appropriately will leave me with no option but to seek legal recourse. Sincerely, XXXX XXXX
Consumer complaint received 2021-07-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2021 I was informed I provided cease and desist letter to Wells Fargo Bank to contact my attorney. I provide no l letter to cease and desist at attorney that has been retained is for violation of privacy law nothing other than that. 

On my request from XXXX XXXX to provided copy my ceased and desist I was denied by XXXX XXXX. There is no such Wells Fargo Bank and Mr. XXXX decision is baloney is the reasons he refused to provide letter for cease and desist. 

I provide no cases and desist letter to Wells Fargo Bank and it phony and baloney. Wells Fargo Bank was never provided any letter by me to cease and desist. 

I asked him to send of copy of cease and desist letter and flex loan modification to me since my attorney will only deal with privacy law violation. 

I asked XXXX to speak to his manager  her refused and I asked him 7 to 10 times and his reason was he call my attorney to get authorization. 

Attached letter I stated attorney was retained for violation of privacy rights and nothing other than that. Wells Fargo Bank is abusing its power with false and refused to provide copy of the letter for ceased and desist. 

Wells Fargo Bank has denied me to obtain flex loan modification documents on false reason that I have filed ceased and desist. 

I must be provide flex loan modification and once attorney of records will only deal with violation of privacy laws.
Consumer complaint received 2024-03-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kansas Counselors, Inc. (MO)

Kansas Counselors INC is in violation of the surprise act.. its a third party collection agency violating my privacy under the HIPA act. Tried calling agency to verify debt and they wont send me any documents of the original debts.
Consumer complaint received 2023-08-31
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: EQUIFAX, INC. (NC)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX Balance : {$470.00}
Consumer complaint received 2019-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (AR)

WE HAVE A XXXX XXXX AUTO LOAN HELD JOINTLY, THEY WERE REPORTING TO ALL BUREUAS, AND NOW WERE DELETED IN ERROR.
Consumer complaint received 2021-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (MA)

I was traveling in XXXX.While in the lobby of my hostel I was introduced to a man from XXXX named XXXX Instinctively didnt like this person. A day latter he asked for me and was told I was not there.Now Im more skeptical. Next day he accidentally encounters me in the park I dont wish to be rude so we spoke He abruptly went to buy some bottled water and orange juice which I didnt ask for. I drank it and was drugged .He ended up with my phone and three of my credit cards. I could not move to catch him I was in the park for hours. I went to the police they were of little help But I made a police report typed in XXXX of course. Went to the hospital wanting to explore what was given to me. Im alone with no money, no phone and no return trip. Went to XXXX XXXX again no help. I notified the credit card companies as soon as I could.Remember, no phone.My daughter bought me a plane ticket home. My plan was to continue on to XXXX and XXXXHowever ; Upon arrival i receive charges. O one account {$1900.00}. I contested these charges twice and sent in the police report to them. The credit card company sent me a letter saying the charges are valid. I have paid this amount but grudgingly.Now, I turn to the governing body. I can supply all necessary documents
Consumer complaint received 2020-07-11
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

i purchased a vehicle through XXXXXX/XX/XXXX. When going over the financing application i spoke to a representative from XXXX they had indicated the intrest rate would be 17 % and within 3 months of making payments i could refinance the loan through them. This was a outright lie i called them to refi the loan and they stated they do not offer that option.XX/XX/XXXX targets committees of color lying and taking advantage of minorities by utilizing this bait and switch tactic. I have called them numerous times to fix all of the damage they did to my credit, once i realized they were not going to refi the loan as promised i told them i needed more time to pay since the rate was so high they insured me that was ok. Then they intimidately started to ding my credit. This XXXX organization needs to be held accountable for their lies and deception
Consumer complaint received 2024-02-26
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MO)

I received my bill and noticed there was a late fee. I paid my bill thru my credit union and the credit union bill pay page showed my payment should reach Comenity in time. I called Comenity customer service on XX/XX/year> or XX/XX/year>. I explained my credit union bill pay system had apparently estimated the time of delivery wrong as it should have been by the deadline. I was told they could reduce my fee by {$15.00} but would not reverse it. I was angry, told the representative to close my account and hung up. I called back the next day as I had not requested that a copy of the account closure letter at that time. I was told I would be sent a letter closing the account after I explained my issue to the representative. I had the same issue with my XXXX card which is also issued by Comenity in this same time period. I called XXXX Comenity after speaking to the Big Lot 's representative and was told that yes, they could reverse the charge on my XXXX account and they did so. I have since gotten reminder emails that Comenity Big Lot 's is trying to get payment of the late fee. The total charge has now gone up to {$60.00} which is outrageous and apparently no portion of the fee was reversed as I had been told it would be. Also, since I requested the account closed I assumed that the balance would be frozen at that time, not that additional late fees would be charged. I still have not received the account closure letter requested.
Consumer complaint received 2021-02-20
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have disputed several inaccurate accounts from my report to the credit bureaus but they aren't neither answering nor taking action, after 30 days of waiting for nothing, i disputed again my accounts.
Consumer complaint received 2021-07-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (TN)

I initiated 2 bank transfers in the amount of {$20.00} and {$130.00} from my XXXX XXXX checking account ending in XXXX to my Venmo account XXXX and it states that the estimated completion date is XXXX and today is currently XXXX but the transfer is still pending. I contacted Venmo and they said the funds has not been received but the money was deducted from my account the next following day as of XXXX. So Im requesting a chargeback ( refund etc. ) sent back from Venmo in the amount of {$150.00} back to my XXXX XXXX XXXX  checking account. Because the money wasnt received as promised. My whole account number is XXXX
Consumer complaint received 2021-07-07
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: JPMORGAN CHASE & CO. (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2021-07-07
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. (PA)

I have challenged the 100 % accurate reporting of account for XXXX XXXX  that is inaccurately reporting as a " charge off '' on my credit report ... ... how can an account be a charge off and still be open per the reporting? ( violation ) ... ... .i have challenged/disputed this account 5 times to the credit bureaus and none of the 3 bureaus have even marked this account as being in dispute ( violation ), 2 bureaus are reporting it as paid and one as derogatory ( violation ), 2 bureaus are reporting 0 month terms and one bureau is reporting a 1 month term ( violation ), they are pencil whipping these investigations