davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (NY)

I applied for a loan so that I can refinance my home. The loan officer gave me a copy of the credit report and showed me where Wells Fargo student loan reported me late 60 days. I had never been late on the student loan. It seemed odd and I do understand that with COVID I had maybe overlooked something. I then realized that they never marked me 30 days late- they went to 60 and 90 days late. This now got me very upset since I have otherwise perfect credit. I reached out and spoke with several people, none that can answer any questions for me such as : Did you call me and leave a message, did you send me a letter, did you try to reach my wife, etc. They could not document for me anything that would have shown they tried to reach me. The account was immediately resolved and the lack of cooperation has been a very large stress. I spoke with an attorney as I feel that I have been wronged and a victim in the bigger game of not helping the little guy. The attorney advised that I call WF again and request that they remove the lates. I was not able to get anyone again to help me. I believe that this is 100 % and error on the part of WF and I am asking that they please overturn this reporting and update as paid as agreed.
Consumer complaint received 2021-03-26
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: NAVY FEDERAL CREDIT UNION (SC)

I have my accounts through Navy Federal Credit Union. Ive been having ongoing problems with this bank as well as other things happening to my identity. I need someone to please reach out to me. Someone is changing my military records, stealing my money, investments, charging more interest on my accounts. Please contact me ( XXXX ) -XXXX. My name is XXXX XXXX.
Consumer complaint received 2021-03-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (WI)

XX/XX/2021 I lost my phone and I didn't notice my phone was lost until I got a text message from my phone to my husband phone saying I found your phone and I need a XXXX dollars to get it back ... I said to him ok ... but before I knew it I was lock out of all my accounts from XXXX XXXX and XXXX he change everything and got a chance to get in my cash app account transfer his self all of my money that was in my account and that was XXXX all in one day and one hour. on XXXX XXXX HE did 4 transaction from my phone to his ..I have a police report and here is the case number to the case XXXX ... i contact cash app over 10 times with the police report and each time they denied me saying it came from my device ... .I have contact XXXX because someone hacked my accounts over 131 times and I explain to them that was not me and that should me a red flag on they end ... .I have been in the hospital 3 times since this than happen to me and its driving me crazy because this man still have my accounts hacked right now and he still have my phone ... I don't know what to do because I did everything the right way .I have XXXX kids that i take care of and its hard with someone take your whole life saving in one hour ... ..
Consumer complaint received 2021-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I disputed with TransUnion and XXXX, and the Department of Veterans Affairs directly on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, because my account with the Department of Veterans Affairs has been illegally re-aged from XX/XX/XXXX to XX/XX/XXXX on Transunion and XX/XX/XXXX on XXXX. I know this because the Date Last Active has been changed from the original date my account was closed in XXXX to a newer date in XXXX, which means the furnisher and the credit reporting agencies are reporting old debt as new. This is a violation of the Fair Credit Reporting Act. 

Even after my four letters of disputes were sent to the credit reporting agencies and the Department of Veterans Affairs, they continue to respond back to me stating the account was verified as accurate. I did some research on the FCRA and I know this is a violation of my consumer rights and I know the Credit reporting agencies and furnishers are required to report only complete and accurate information, so how are they able to report old debt as new?
Consumer complaint received 2021-03-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (FL)

I received a loan of {$450.00} and was told my payoff for the loan amount would be {$580.00} and there is no penalty for early payoff. I called in to pay off my balance of {$420.00} as indicated by my payment schedule but the representative told me the payoff would be {$550.00} instead. That would mean I would pay them a total of {$710.00} compared to my initial quote of {$580.00}. I have spoke to three different representatives and have requested a manager callback for help resolving this issue. It seems this company preys on those in tough situations so they can easily get people caught up in a never ending cycle that causes them to be in more debt than the emergency they needed to take the loan out for. Companies should aim to actually help people and not take advantage of their difficult circumstances by scamming them out of money they don't have or that is already difficult to come by. I believe this company does not have good intentions for their customers and they are finding ways to legally scam their clients.
Consumer complaint received 2021-03-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/XXXX, I tried moving money out of my account at JPMorganChase only to find out my account was restricted. Called Chase to inquire and no information was given. Upon calling back on Monday the XXXX, I was told my account had been closed, no information was given as to why and no information was given about my funds that were in the account. Called repeatedly for 2 days and then was able to reach someone that informed me that I would be receiving my funds in the next 10 business days. Once those 10 days were up, on the XXXX, I again inquired to the status of my funds and was given no information. Called again and went into a branch on the XXXX and was then told that no check had been cut for my funds and that I now needed to provide proof that the funds in my account indeed belonged to me. After providing the unemployment statements that showed my deposits, I still received no information as to the status of my funds. Went into a branch again on the XXXX and was told that my funds would be mailed to me sometime in the next 3 to 7 business days. All during this ordeal, there was not one piece of written documentation provided or any communication that was given to me. JPMorganChase seized my funds, provided no information as to why and then made me go through significant hurdles to recover my own money.
Consumer complaint received 2021-03-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (PA)

XX/XX/2021 - Mailed certified letter asking for validation of debt on 4 accounts. 
XXXX XXXX XXXX - Certified mail delivered XXXX XXXX XXXX - Letter sent from MCM for verification - only sent a computer generated print-out of the total amount they claim is due, which may not be accurate. Furthermore, they have failed to provide an executed credit contract proving liability of this debtor on the amount claimed, as per my validation request. 

XX/XX/2021 - called in regards to debt validation - spoke with XXXX XXXX and another woman, supposedly a supervisor, who refused to provide her name - Supervisor was trying to collect even though it is still within the validation hold time - I decided to humor her and that if they would settle for a certain amount I'd pay. She started laughing and said they wouldn't even take that money 10 years from now. I asked for a manager and was told no one was available and they would have to call me back, but I had also adv they must cease and desist any phone communication and that I would hold. She stated that I can't hold and started laughing again. Then I hung up the call. 

XX/XX/2021 - I will be sending another certified letter after work this afternoon advising that since they failed to validate the debt as per my initial letter the debts must be removed from my credit reporting.
Consumer complaint received 2021-03-25
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

In XXXX and XXXX of 2021, I filed a dispute with this credit reporting agency about the unverified account : XXXX XXXX Account number XXXX. In those 2 months I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 30 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these four unverified accounts as of today. Thank you
Consumer complaint received 2021-03-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There are several different issues with all the credit reporting agencies. One in particular is XXXX originating out of XXXX XXXX XXXX has numerous inquiries on my credit report. I have NEVER had an account with them but they are constantly inquiring about my address, credit score, and reporting. In addition XXXX XXXX has permission to inquire about my credit standing which I have never approved. The three agencies have reported employment information incorrectly, disputes incorrectly, as well as living residences incorrectly. Also, my name has never been XXXX XXXX and other variations of this but I have only had approved accounts with XXXX XXXX, or XXXX XXXX. XXXX and finally XXXX XXXX XXXX. They wont correct this.
Consumer complaint received 2021-03-25
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: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

You cant add interest or fees, or charges not authorized in the original agreement. Extra fees must be in the contract, A collection agency can not have false or misleading representations. This alleged debt that's on my credit report needs to be taken appropriate action to correct inaccurate or incomplete information on a credit report per the FCRA
Consumer complaint received 2021-03-26
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (MD)

Gap Credit Card Fraud Closed Account due to Identity Theft XX/XX/XXXX Inquiry not self initiated XX/XX/XXXX Received notification XX/XX/XXXX they would resolve an issue within 14 days-unknown caller ID Credit Card report labeled social security information and email listed Dark Web per XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-26
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CREDIT ACCEPTANCE CORPORATION (MI)

I got a car loan through credit acceptance in XXXX of XXXX. My payment has never been late. I made sure to make my payments on time every month. I struggled during the COVID-19 pandemic to pay my bills but still managed to make sure my car note was paid on time. It all became too much in XXXX of XXXX  and I just could not make ends meet. I called credit acceptance and explained to them that I would be unable to make my XXXX payment. Trying to be proactive and looking for some sort of resolution, I explained to them that my financial situation was strained because of the global pandemic, that I was no longer employed and struggling to pay my bills and maintain a household as a single mother of XXXX. I did exactly what it is posted on their website to do, which is give them a call as soon as possible if there is an issue making a payment. I asked for some sort of grace with the company because of the state that we were in in the world and because of my outstanding payment history to that point. I was told that there was nothing that they could do to help me other than note my account of the conversation. They reported my account as late with the credit bureaus, which has negatively affected my credit score and payment history. This has caused a tremendous amount of stress, pain and grief to an already traumatic situation. I find it absolutely devastating and appalling that company 's can be this heartless and ruthless to the consumers that keep them in business, especially at a time like this. There should be some sort of relief or program offered to help customers. My payments were on time before and have been made on time since. Credit acceptance is taking advantage of their consumers and are only in business to help themselves, not the customers! They should not be able to hurt or affect peoples ' lives this way, especially now, during a pandemic! Something needs to be done!
Consumer complaint received 2022-11-23
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. (SC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems tocare, that I want to dispute specific items in my credit file that do not belong to me, or that I have signedany agreement. The items I'm challenging have nothing to do with any transactions I've done orauthorized to gain products, services, or money. Please remove the following : 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 2021-03-25
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CO)

I sent a letter way back 3rd week of XXXX to file a dispute on inaccurate and unknown items on my credit report. I sent another letter on the XXXX of XXXX to complain about not having heard anything from them and under the FCRA they have to respond back to me within 60 days and have not received anything until now. I will have to file legal actions if this is not resolved as soon as possible.
Consumer complaint received 2021-03-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America provides statements which make it impossible to understand how funds are actually being applied. What the statement says is simply not correct. Not unless you understand the transaction reversals, reasons for unapplied funds, etc. There is no reason it needs to be this complicated. 

Please review the Payment Posted amounts. They do not reflect the actual amount paid. They reflect the amount that is required to pay in full. 

Please see the XXXX statement and the Transaction Activity section. Why are transactions reversed and why is there unapplied funds. 

Please look at the principal paid amount for each statement. The amount for the XXXX statement is not correct. The only way to make it correct is if you can understand their accounting.
Consumer complaint received 2021-03-26
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. (CA)

There are several different issues with all the credit reporting agencies. One in particular is XXXX originating out of XXXX XXXX XXXX has numerous inquiries on my credit report. I have NEVER had an account with them but they are constantly inquiring about my address, credit score, and reporting. In addition XXXX XXXX has permission to inquire about my credit standing which I have never approved. The three agencies have reported employment information incorrectly, disputes incorrectly, as well as living residences incorrectly. Also, my name has never been XXXX XXXX and other variations of this but I have only had approved accounts with XXXX XXXX, or XXXX XXXX. XXXX and finally XXXX XXXX XXXX. They wont correct this.
Consumer complaint received 2021-03-25
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Leap Credit, LLC (WI)

On XX/XX/2021 at XXXX someone applied for a XXXX XXXX  under my account. I received one email about it that I missed. Then I got a text from Leap Credit saying my payment was overdue. I logged into Leap Credit and I see the bank information was not mine. So someone changed the bank information to their bank but I'm being charged for the loan, which I can't afford. The login to Leap Credit is my email address and the password is my social security number. I don't know how they got my information. I told Leap Credit I didn't take this loan out and the bank information is not mine but they told me that I owed it. That they sent me emails about it buy I only received the one email. These are the terms of the loan that was taken out. 
ANNUAL PERCENTAGE RATE The cost of your credit as a yearly rate. 
760.54 % FINANCE CHARGES The dollar amount the credit will cost you {$8300.00} AMOUNT FINANCED The amount of credit provided to you or on your behalf {$2000.00} TOTAL OF PAYMENTS The amount you will have paid after you have made all payments as scheduled. 
{$10000.00}
Consumer complaint received 2021-03-26
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. (KY)

This company is not reporting any of my payments made on accounts. None of my 25 accounts are showing on the report. This is causing my equifax score to be 200 points lower than my transunion report.
Consumer complaint received 2021-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have wrote about correcting my address and removing alias names and incorrect addresses from my report. 
Please can someone help me. Remove the incorrect info from my report.
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: DISCOVER BANK (MI)

As a co-signer of this student loan I was unaware of the delinquent payments. This caused my credit score to decrease. When I became aware of the delinquent payments, I paid the outstanding balance and have continued to pay the monthly payment on time. My credit score has not reflected my efforts.
Consumer complaint received 2021-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2021-03-26
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. (NJ)

Sent a dispute letter to XXXX  also called them on XXXX, asked them to reinvestigate a few inquiries and accounts on my credit report that arent mine. I reported these accounts as fraud in past, each time XXXX reports them as verified. They also took 38 days to complete investigation, never mailed me the results, nor did they provide their source for the investigation. They claim I have a bankruptcy on my credit file, which isnt mine, they did not verify it with the court, they used a 3rd party agency. I request they remove all errors off my report that I have previously reported
Consumer complaint received 2021-03-25
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. (PA)

account was open XXXX XXXX for amount of XXXX now reporting incorrect for XXXX on my credit report also late payments have reach out to us bank to correct this matter but no response. incorrect information is hurting my consumer report and is a violation. 
The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA )
Consumer complaint received 2021-03-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MD)

My complaint is against my mortgage company : Shellpoint Mortgage Servicing for NewRez Mortgage My complaint is that my mortgage company is not adhering to the regulations for the COVID Relief Mortgage forbearance because they only granted 90-days of mortgage forbearance and they told me the forbearance will negatively impact my credit.

I shared Consumer Finance website and details about COVID Relief mortgage forbearance and representative told me it ends XX/XX/2021 and this is all I will receive. 

On XX/XX/2021, I requested the COVID Relief Mortgage forbearance/deferment and the mortgage representative helping me told me that I only have until XX/XX/2021 for forbearance because that is when the COVID Relief ends. She also told me the forbearance will negatively impact my credit. 
If the COVID Relief mortgage forbearance is supposed to be for 180 days, why is my mortgage company only giving me 90-days? And why are they reporting negatively on my credit when the COVID Relief says they are not supposed to?

I am in good standing currently with no late payments ever with my mortgage company.