davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-25
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. (FL)

PURSUANT TO 18 USC 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681 B 2 COMPANY HAS ALSO NO PERMISSION TO REPORT ANYTHING USING MY INFO PURSUANT TO 15 USC 1681 4.
Consumer complaint received 2022-02-17
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: Experian Information Solutions Inc. (NC)

On XX/XX/21 I sent a letter regarding inaccurate and incomplete credit information on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. I demand these account be deleted or updated immediately or I will file for litigation due to the stress you cause me.
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

For over a year I have not been able to access Equifax 's website to freeze or unfreeze my credit report. Their website is not functioning correctly and I can not get in touch with an in-person representative to address this issue.
Consumer complaint received 2024-09-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: Shellpoint Partners, LLC (SC)

XX/XX/XXXX : I applied for PMI removal. I met all qualifications, but I was still denied PMI removal with no explanations. 
XX/XX/XXXX : I re-applied for PMI removal and met all qualifications. Spoke to multiple representatives with the company who gave me multiple answers ( some telling me I was denied, others telling me it was taking longer than expected, others telling me I was approved ) XX/XX/XXXX : I finally received contact from the company, and I was approved. The PMI would be removed, but it could take up to 30 days. 
XX/XX/XXXX : Spoke to customer service with no help. They told me to pay XXXX 's mortgage, that I would be refunded the overpayment, and that it would come off for XXXX 's payment. 
XX/XX/XXXX : the PMI has still not been removed. I spoke to customer service, and they seem as confused as I am about why it hasn't been removed. 

Every time I call the company, I speak to someone different who has an entirely different story, and they all seem very confused as to why this PMI still hasn't been dropped. This is just a small number of examples of phone calls I have had between myself and this company. Any time I call them, no one answers the phone, or they put me on hold forever with no answers. I will be transferring my loan from their business as soon as interest rates drop, and I would NEVER recommend them to anyone. However, for now, I need this fixed and to know that I will be getting my refund of overpayment ( which I am not holding my breath for ).
Consumer complaint received 2022-02-17
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: LAKEVIEW LOAN SERVICING, LLC (CA)

Since XXXX of XXXX, the CARES Act has given forbearance to millions of homeowners. I filled out and faxed in my mortgage forbearance form in XX/XX/XXXX, listed on the myloancare.com website, after getting laid off due to the COVID-19 pandemic. At the beginning of XX/XX/XXXX, I received a notification that XXXX marked my account as 30 days late. I called and spoke with a representative that informed me that XXXX had not yet processed my paperwork and assured me it would be resolved. I then received paperwork via mail telling me that my 90-day forbearance period had started in XXXX and would be valid through XXXX. However, my XXXX payment was still reported as 30 days late. 

I called XXXX customer service multiple times until I was finally connected with a supervisor who instructed me to send in my fax cover sheet, proving that I submitted the mortgage forbearance form in XXXX and that LoanCare would correct the report to show the correct forbearance start date. This process turned into a monthly task. My XXXX payment continued to be reported as 30 days late. I would call and speak with supervisors, each of whom instructed me to send in the fax cover sheet and follow their instructions. Yet every month, the account was still reported as 30 days late. By XXXX of XXXX, I was fed up and frustrated with XXXX terrible customer service. Finally, a manager instructed me to make the XXXX payment which initially triggered the 30-day late reporting. He assured me that making the payment would stop the late reporting going forward. Following his advice, I ended up taking a loan from a family member to make the XX/XX/XXXX payment in XX/XX/XXXX. 

My second forbearance period was 180 days, from XXXX through XX/XX/XXXX. By the time I received my second forbearance, I had already made the original XX/XX/XXXX payment. Several XXXX customer support supervisors I spoke with confirmed that since I had made the XX/XX/XXXX payment before the start of the second forbearance period in XXXX, my account would be considered current. Yet again, I continued to receive notifications that my account was reported as 30 days late. 

I had another forbearance through the end of XX/XX/XXXX, when I finally went back to work. I went back and made all the payments missed in XXXX and am now considered to be current on my loan payments. However, this hasnt solved the issue. This inaccurate reporting has destroyed my credit score and caused undue emotional stress. Multiply credit lines have been decreased to XXXX reporting error. I am unable to refinance my loan due to this error, which has cost me thousands of dollars.
Consumer complaint received 2022-02-16
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: WELLS FARGO & COMPANY (GA)

On XX/XX/2021 XXXX, XXXX and XXXX failed to produce an investigated report for WF/XXXX  account reported on my consumer report. 
They have failed to provide me with the required tax form documents that are required by the Internal Revenue Service including 1099OID and the 1099C. I will include the FTC report for identity theft against the use of my taxpayer identification number, also known as, the social security number. WF/XXXX  has also communicated my personal information without my authorization to these consumer reporting agencies without my consent include the social security number which is private and confidential. The said debt was not validated by me, the consumer so it should not be on my consumer report. 
The original creditor is Wells Fargo and the status of this account is in Charge Off which they are also acting as a debt collector under a different name so they are using a 3rd party as a debt collector. 
As of XX/XX/XXXX, I have not received an investigate report as they have 30 days to do so.
Consumer complaint received 2022-02-16
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. (CO)

AFTER CHECKING MY OTHER CREDIT REPORTS IT LOOKS LIKE XXXX XXXX DEALER SERVICES HAS REPORTED ME AS BEING 30 DAYS LATE ON MY CAR PAYMENT FOR THE MONTH OF XXXX A PAYMENT WAS SENT TO THEM IN XXXX WHICH THEY POSTED ON XX/XX/XXXX. THEN IN XXXX THEY RECEIVED A FULL PAY OFF FROM MY INSURANCE COMPANY FOR A TOTAL LOSS. THIS PAYMENT WAS RECEIVED ON XX/XX/XXXX. I HAVE A FULL CALL RECORDING OF THE REP FROM XXXX XXXX VERIFYING THIS FOR ME. IF THEY RECIEVED A FULL PAYOFF AMOUNT THAT THEY GAVE MY INSURANCE COMPANY THEN HOW CAN THEY REPORT ME AS BEING LATE WHEN THE CAR WAS PAID OFF. 

THIS IS JUST ANOTHER REASON WHY XXXX XXXX AS A WHOLE SHOULD BE INVESTIGATED FOR TRYING TO COMMIT FRAUD AGAINST A PERSONS ACCOUNT. THEY HAVE SOME ILLEGAL REASON FOR WANTING TO REPORT MY WIFE AND I AS BEING LATE WHEN WE WERE NEVER LATE BY FCRA STANDARDS OF 30 DAYS LATE. 

I HAVE REACHED OUT TO XXXX XXXX XXXX OFFICES AND ONCE AGAIN ON A RECORDED CALL THEY VERIFY THAT I WAS NEVER LATE ON MY PAYMENTS AND YET THEY DO NOT WANT TO REMOVE THE 30 DAY LATE AS THEY KNOW THAT IT HURTS MY CREDIT FOR THAT TO SHOW UP EVEN THOUGH IT IS ILLEGAL AND INCORRECT. 

CALL RECORDINGS DO NOT LIE. THEM CASHING A CHECK FOR THE FULL PAY OFF BALANCE DOES NOT LIE BUT YET XXXX XXXX DEALER SERVICES REPORTS MY WIFE AND I AS BEING 30 DAYS LATE EVEN WHEN NO CAR PAYMENT WAS DUE FOR XXXX DUE TO THE CAR BEING PAID OFF.
Consumer complaint received 2022-02-16
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. (FL)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.
Consumer complaint received 2022-02-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: TD BANK US HOLDING COMPANY (VA)

XXXX XXXX XXXX from XXXX XXXX Bank scammed me into an investment via XXXX and when I found out that it was a scam, I sent all necessary documents to TDBANK  and XXXX with hopes of them working things out to recover my funds but so far nothing has been done about it. I have provided both financial institutions with proof but they havent responded to me positively.
Consumer complaint received 2022-02-17
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. (TX)

These are not my inquires and do not need to be on my credit report and are being reported by experian. I sent them a letter XX/XX/XXXX and still not response. 

XXXX XXXX XXXX- non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX These are not my inquires and do not need to be on my credit report and are being reported by XXXX. I sent them a letter XX/XX/XXXX and still not response. 

XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX These are not my inquires and do not need to be on my credit report and are being reported by Equifax. I sent them a letter XX/XX/XXXX and still not response. 

XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry  : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX
Consumer complaint received 2022-02-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION (TX)

I tried to withdraw from my CollegeAdvantage Direct 529 Savings Plan offered by Fifth Third Bank via The Ohio Tuition Trust Authority. My withdrawal was cancelled for no reason. I called to find out why and was told it will be processed and deposited to my linked checking account within 3 business days. It did not happen. Instead, my account 's withdrawal function was disabled and more than {$10000.00} principle is still being held.
Consumer complaint received 2022-02-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

I had {$3400.00} scammed from me {$400.00} being on XX/XX/2021 and {$3000.00} ( XXXX separate transactions ) on XX/XX/2021. The information attached are the messages received by me from the scammer as well as the XXXX emails used, a phone number, and a fake phone number of XXXX XXXX XXXX and social security number to make the entire thing believable. I have made complaints to Wells Fargo, both in a Wells Fargo bank as well as through the consumer financial protection bureau, who failed to uphold the Electronic Fund Transfer Act ( EFTA ), Regulation E, and denying me reimbursement under the false pretenses. The entire interaction and results falls under the Electronic Fund Transfer Act ( EFTA ), Regulation E which grants me the right to be reimbursed by Wells Fargo to cover the loss.
Consumer complaint received 2024-09-11
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Bridgecrest Acceptance Corporation (MI)

I purchased a vehicle through in XXXX  from XXXX in XXXXXXXX XXXXXXXX XXXX XXXX lender is Bridgecrest in XXXX. After 1 month of having the vehicle this was in XXXX  I got a routine oil change from XXXX in XXXXXXXX XXXX. I WAS TOLD that the car had been in a accident where the frame was welded back together. Vulnerable credit situation I spoke with XXXX XXXX about the discovery o was told them my 7 days was up and I'm basically stuck in the loan. I later completed a XXXXXXXX XXXX XXXX of the vehicle and the car was literally worth XXXX. After relocating back to my hometown with the car ( a very good welder ). Here it is XXXX years later paying XXXX a month and $ XXXX later, i lost my job and faced this current financial hardship dealing with BridgeCrest solely. They repossessed my vehicle and offering an impossible resolution. Unfortunately I live in an area that is car depended. Bridgecrest resolution is ridiculous and unfair considering I'm literally XXXX years into ownership. Help with a reasonable resolution and quit damaging my credit.
Consumer complaint received 2022-02-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (MD)

I have a cash app account that I no longer can get access to. At one point last year I'm not sure on the exact date I will have to check my emails I was granted at one time overwrite code but when I tried to apply that code it was saying that the link had expired. I've tried numerous attempts over the last year I followed every instruction that they've asked when you got Pride provided every single information the correct way and in a format that they ask for it I provided account history with transactions I provided my link debit card I've even submitted a copy of my identification at one point they had me write my name as well as my the date take a picture of myself and send it in to them all these numerous attempts and I'm still not granted access to my account my problem is that when I spoke to one of the representatives he told me that the last transaction on my account is for XXXX or XXXX of last year I'm not exactly sure which one he said my issue is I stopped having transactions done to that account when I realized I had forgot the password so my last transaction shouldn't be XXXX or XXXX of XXXX it should be more like XXXX of XXXX as well as the balance that is estimated to be on there and that me and my wife tried to keep track of on there is no where near the same account balance that he read to me that is currently on my account during the numerous attempts and trying to gain access to my account without me and my wife has been doing in the meantime is taking old devices to repair shops to try to see if my old email addresses on any one of those devices we took two laptops and two cell phones and still got nowhere. I'm just literally confused as to why I'm being denied access to my own account and wide is it not allowing me to input my correct information like I'm doing and it's saying I need to contact customer service why is there like a freeze on my account or what's going on with my account only thing that I get from them is that they can't give me any details further if I have anything outside of this contact them via email. This is regarding cash app and my account in question is $ XXXX. My name is XXXX XXXX.
Consumer complaint received 2022-02-16
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: EQUIFAX, INC. (FL)

The account below was added to my Equifax credit report. This is not mine, and I have reached out to the number and address, for more information and verification and have been ignored. 
In addition, this agency is being investigated and sued by FTC ( see image for fake collections ). When I called them they threw threats and court and issuing of a summons to be delivered to my employer. Immediately remove and delete this from my credit file. I have never heard or had any business with company. 
XXXX Account # XXXX XXXX XXXX XXXX XXXX : {$1000.00}
Consumer complaint received 2022-02-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (MA)

I was in an APPROVED Forbearance plan with Caliber Home loans on XXXX Was told no forbearance non payments would be reported to the Credit Reporting bureaus during the time of forbearance. 
I was current on my mortgage payments before the forbearance began during the pandemic. 
When the forbearance ended on XXXX I was informed via mail that I was approved to have the forbearance amount go to the back of the mortgage loan. 
I was told via letter by Caliber that to bring my mortgage current, I must begin resuming normal payments on XXXX in order for the forbearance amount to be put at the back of the loan. 
I agreed. 
There was an increase in the monthly amount beginning XXXX. 
On XXXX my spouse called in to make the FULL Increased amount WITH PAYMENT VERIFICATION to bring the mortgage current and have the forbearance amount put at the back of the loan as Caliber advised me. 
Caliber then proceeded with out my knowledge to put the full payment made on XXXX to the XXXX. XXXX forbearance amount and then reported me to the 3 credit reporting as NOT paying my mortgage during the forbearance period and did NOT pay my regular payment for XX/XX/2022. 
What followed immediately was a total nightmare for my family.! 
My credit/fico score cratered from an XXXX to a XXXX within 24 hours.! 
XXXX XXXX XXXX XXXX XXXX was immediately closed down by the issuer advising me because of serious delinquency and derogatory public records they could not continue to do business with me.!! 
I am now being mailed statements requiring me to pay back the FULL forbearance amount and threatened with foreclosure of my residence.!! 
At this point I am beyond shocked and overwhelmed! 
Caliber ruined my credit, accepted my payment, and did not put it towards my current mortgage payment as they advised they would to bring the mortgage up to date.! 
They now demand that I pay back the forbearance amount and notified me of foreclosure on my home. 
I was locked out of my account even though I was told access would be restored when I made the first monthly payment. 
To date I am barred from accessing my mortgage account. 
My account has been turned over to Caliber 's loss mitigation. 
My spouse has called several times to date, each time waiting on the phone for over an hour. 
Each time its the same cold rhetoric, their systems have to be updated, and will not take responsibility for what they did.!! 
If their systems had to be " updated, '' according to XXXX in loss mitigation XXXX, on XXXX, why did Caliber report me before that update was made?? 
Why would they take the mortgage payment and put it as part of the forbearance repayment, and not advise me at the time of payment?? 
Not a thought for how they ruined me financially! 
In the mean time as Caliber systems are waiting to be " updated '', they reported me to the 3 credit bureaus and decimated my credit.!!

My XXXX XXXX XXXX credit card has been shut down and others will follow! 
I now face foreclosure on my home for doing exactly what was asked of me.!
Consumer complaint received 2022-02-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

On XX/XX/2022 I sent in a letter to have to inaccurate and fraudulent information removed from my credit report. I has been well over 30 days and nothing has been done about it. They sent me back a letter saying they don't believe it was me who sent in the letter.
Consumer complaint received 2022-02-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (OR)

Received a pre-paid gift card as a gift. Tried to use it at a retail store, but was declined. Tried to activate and register the card on-line via the " XXXX  website by entering the card number, but was told to contact the company via the phone number on the back side. After 90 minutes on hold, I was told that I was to try to register it online. I advised the agent that I tried that and it didn't work. They then said to call the XXXX number on the back, and register it. I said that is the number I called and it didn't give me an option to activate it online. She kept repeating that it has to be done via the phone number. I repeatedly told her that that is the number I called and it did not help. I asked to speak to a supervisor and was told none were available because of long wait times. Basically, I have a pre-paid gift card that I am not able use anywhere and can't get the necessary help to activate it.