davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-08
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. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Home Address : XXXX XXXX  XXXX XXXX XXXX, MD XXXX I called XXXX XXXX XXXX XXXX in XXXX between the XXXX and the XXXX. I requested and was approved for a loan extension for the months of XXXX and XXXX. I was told that I will receive the documents to sign via USPS mail. 

I received the documentation on XX/XX/2020. I signed the documentation, scanned it and sent it to the email provided on the paper. 

Today XX/XX/2020 I get a notification that XXXX XXXX XXXX XXXX  has reported me 30 days late for the month of XXXX. 

In addition to me being approved and submitting loan documentation my XXXX payment is NOT 30 days late at this current time. My XXXX payment is due on XX/XX/XXXX and today is XX/XX/XXXX which is ONLY 25 days. There is no reason for me to be 30 days late at this current time ( especially since an extension was granted ). 

Attached are : Screenshot of submitted email, screenshot showing 30 days late on my credit. Also the approved and signed extension agreement. 

This brings me to my next point. This bank does anything to suppress and attack XXXX XXXX. I have reported them over and over for interactions like this and in-person interactions at the local branches. It's obvious to me that local, state, and federal officials are in bed with XXXX XXXX XXXX. When I complain XXXX XXXX XXXX responds by retaliating. I am sick and tired of this crime syndicate, what it represents and the poison that it spreads. I've said it before and i'll say it again. This organization is run by XXXX XXXX.
Consumer complaint received 2020-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of identity theft. For the past 12 months, I have sent multiple letters to the 3 credit bureaus ( XXXX, XXXX, Transunion ) with no luck. 

As of XX/XX/XXXX, My credit report shows inaccurate information. 

My SS, driver license information was illegally used to open multiple unauthorized accounts under my name. 

My bank ATM/Debit card was cloned/stolen and was used for unauthorized transactions on multiple occasions. 

For this reason, I was forced to change my cell phone number, close all my bank accounts, notify the IRS, all credit bureaus, and notify the respective authorities. 

I did not authorize any transactions on rafter this date, and I did not authorize anyone else to use my ATM/Debit card in any way. 

I am notifying you, according to the Electronic Fund Transfer Act, and implementing Regulation E, 15 U.S.C. 1693 et seq., 12 C.F.R. 205, of my lost or cloned/stolen ATM/Debit Card and unauthorized transactions. See especially 12 C.F.R. 205.6, 205.11. 

I request that you investigate any unauthorized transactions involving this card, including but not limited to the following : List of unauthorized transactions. 
I am attaching a copy of each of the following documents to this letter : 1. A  copy of my Identity Theft Report which includes : my FTC Identity Theft Report IRS Notice CP01 Police Case/Report I am requesting that you remove this information from my credit report. 

Please also notify me in writing of the results of your investigation or if you have any questions regarding this notice or my requests. 

As applicable please send me written confirmation that you removed this information from my credit report. 

Account Number : XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  Current Creditor : XXXX XXXX XXXX Balance : {$0.00} Account Number : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Merchant : XXXX Original Creditor : XXXX Current Creditor : XXXX XXXX XXXX, XXXX Balance : {$0.00} Account Number Ending In XXXX File XXXX Creditor : XXXX XXXX Current Creditor : XXXX XXXX XXXX, XXXX. 
Balance : {$0.00} Account Number : XXXX Original Creditor : XXXX XXXX XXXX Current Creditor : ( XXXX ) XXXX   XXXX XXXX A DIVISION OF XXXX, XXXX Balance : {$0.00} Account Name XXXX XXXX XXXX Account Number XXXX Account Type Credit card Status Transferred, closed. 
Status Updated XX/XX/XXXX Balance : {$0.00} Thank you for your help.
Consumer complaint received 2020-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AmeriHome Mortgage Company, LLC (NJ)

My mortgage account with Amerihome Mortgage was on a forbearance plan effective on XX/XX/XXXX in accordance with the CARES Act passed by congress. The agreement was that no payment was due for an initial 90 day period and possibly longer, and once the forbearance period ended, all deferred payments would be due. During this period the account would remain in current status and no negative information was to be reported to the credit bureaus. The payments for the months of XXXX, XXXX, XXXX, and XXXX were deferred and in XXXX I paid the full amount due and completely paid off the mortgage. Amerihome acknowledged full payment in a letter dated XX/XX/2020. In direct violation of our agreement and the CARES acct passed by congress, Amerihome report my mortgage account as " 60 days past due '' for the month of XXXX causing a decrease of my credit score and unfavorable terms for a new loan, and causing further undue hardship. Negligence on the company 's part is a recurring theme as I've had to make multiple complains in the past year.
Consumer complaint received 2020-09-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (FL)

Hello, I am in the Public Service Forgiveness Program. FedLoans,  my lender since XX/XX/XXXX, needed to look though archived payments from previous lenders ( prior to XX/XX/XXXX ) to have eligible payments I made count towards the 120 needed payments for the PSLF program. Thus I submitted a review with FedLoans on XX/XX/XXXX. I was initially told the review would take 3 months. It has now been over 15 months and they have not completed the review! I called today and they said it could even take 2 years! I am now 105/120 payments into the PSLF program and I would like to have an updated, accurate count of my loans as I am getting closer to eligibility. Per my records I began in IBR on XX/XX/XXXX so those payments should indeed count. They told me there is no other way to receive further updates and I just have to wait for them to tell me they have been reviewed. 

Thank you
Consumer complaint received 2020-09-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc. (NY)

On Sunday XX/XX/2020, I used the Company called Remitly to send money ( {$1000.00} USD ) to my dad who lives in XXXX XXXX. This transaction normally takes 2 business days maximum to be delivered to my dad and was promised that it will be delivered by Wednesday XX/XX/2020. Unfortunately, the money has not yet been delivered. I called Remitly on Friday XX/XX/2020 to inquire about this and was told that they communicated with the company they used in XXXX XXXX and that the money will be delivered by the end of the day. The money was not delivered and on Sunday, I contacted Remitly through their online service to return my money since they had not delivered the money and was told that they could not refund me the money and all they can do is email the company in XXXX XXXX to find out what happened. It is Tuesday XXXX XXXX and my father has not yet received any money nor have I been contacted by the company. I want my money returned to me. Remitly is not helping me at all. I need help.
Consumer complaint received 2020-09-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (MD)

I recieved a cold call from Quicken Loans. I am on the Do Not Call List. The call came at XXXX on XXXX XXXX from XXXX. When I returned the call I was transfered to a " closing specialist '' and put on hold. I was unale to hold long enough for anyone to answer and ask them why they were calling. 

I do not currently have a morgage or any other kind of loan with Quiken or any other Loan company.
Consumer complaint received 2020-06-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (TN)

am making additional principal payments, the are still applying interest even though am cuurent on loan. one supervisor stated amount should only applyy as principal reduction. after multiple calls and attempting to pay online, the additional monies are being partially applied to interest although this is to be a simple interest loan with ally financial.
Consumer complaint received 2020-06-28
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. (MA)

I filed a dispute with equifax about a vehicle repossession that happened in XX/XX/2013 the date of the first delinquency on the original account with XXXX XXXX is XX/XX/2013 and the balance is {$7700.00}. I asked Equifax to review dates and delete account due to the age of the negative credit the estatute of limitations in Massachusetts is ( 6 years ) and this account is approaching ( 7 years ).
Consumer complaint received 2020-09-09
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: Experian Information Solutions Inc. (OR)

After escaping an abusive marriage of 12 years I have been working on repairing my credit. My ex-husband didn't adhere to the stipulations of the divorce pertaining to unpaid debts, nor did he pay child support as he is over {$90000.00} past due. In the last two weeks my credit score has been increasing and I was alerted I was  over XXXX! I was elated and so excited and proud of myself. In addition, I had applied for a house for myself and my XXXX kids to move to as my lease is expiring where I live and I can no longer afford the rent. About a week or so ago I noticed some credit lines  from XXXX didn't have the correct loan dates reporting so I filed a dispute. Last Friday, after incorrectly reporting the loan dates and the lines of credit as open and past due debts XXXX decided to report the debt as a charge off which took my score under XXXX in one day. I am not sure why XXXX would retaliate against my dispute in such a harmful way. I was advised today due to the drop in my score I am no longer eligible for the rental home I was moving my family and my available credit on two of my small balance credit cards was reduced. Three years of incorrectly reporting, and now they decide to report as a charge off - with COVID, a loss of income, no child  support and now my credit is below XXXX again and I am XXXX. This is how XXXX handles consumer issues by causing consumer harm? I have no where to move my children to - XXXX incorrectly reported the debts - rather than making such a large change aware of the impact it would have on my financial reporting they should have done the right change and updated the credit history - instead XXXX has taken a single mom and made her XXXX
Consumer complaint received 2020-06-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Village Capital & Investment LLC (AZ)

Village Capital does not respond to my request to remove PMI charges. By the rules of my loan I have paid down the amount to which PMI is no longer needed. 

The monthly charge is XXXX. 

By my calculations PMI should have been removed by XX/XX/2019. 

I have contacted Village Capital and the previous loan holder ( XXXX ) continuously. 

I was told it would be removed automatically last year. It was not. 

After that I included my request with each monthly payment I called VC last month and was told I must send a request online. I did so, still no response. 

I repeated the online request this morning. Waiting for response. 

Please help. Thank you.
Consumer complaint received 2020-09-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621.

The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions.

I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained.I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. 

FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE
Consumer complaint received 2020-09-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (NE)

I was contacted by, what I believed to be XXXX XXXX, " the Company, '' regarding a potential 'work at home ' position. I applied, went through the " hiring '' process and was " hired '' by a supposed representative of the " Company. '' ( Exhibit A ) I received and signed a Non-Disclosure Agreement and Appointment letter on XX/XX/2020 ( Exhibit B ). 

The Company sent me a check for {$2800.00} ( Exhibit C ) to purchase home office equipment of their specifications. I was told to deposit the check, then purchase XXXX gift cards to make the office equipment purchases through XXXX because of " their supposed discount agreement with eBay. I deposited the check into my US Bank ( the " Bank '' ) account on XX/XX/2020 and US Bank made the funds available to me on XX/XX/2020 ( Exhibit D ). I purchased the XXXX cards on XX/XX/2020 and sent the Company the pertinent numbers from the back of the cards. 

Later on the day of XX/XX/2020 after purchasing the cards, the Bank reversed the {$2800.00} deposit, took the {$1400.00} I had in the Bank before the purchase and this took my account to a negative balance of the entire amount including the amount already in my account. 
On XX/XX/2020, I had an appointment with a Bank Branch Manager to, at their suggestion, submit a claim with the Bank ( Exhibit E ) alerting the Bank of the potential fraud, hoping the Bank would agree to work with me and accept some responsibility for allowing these funds to be placed in my account and making these funds immediately available to me. The Bank did not. Instead, the Bank has requested in its written correspondence to me ( albeit untimely after the funds were made available ) that I am responsible for returning ALL of the funds.
Consumer complaint received 2020-09-08
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (CA)

National Credit Adjusters states that I owe 2 debts for {$300.00} and another amount for a a company called XXXX, which I know nothing about. I have asked to receive validation of debt and want to see the supporting documents and I have not received anything.
Consumer complaint received 2020-09-09
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. (IL)

Hi, Thank you for taking the time to read my complaint. 
First I would like it to be noted that I have already dispute this information with the company and credit reporting agencies directly neither have taken action to correct inaccurate misleading information on my credit report. 
In XXXX of this year I noticed my auto lender XXXX XXXX paused reporting to the 3 major credit agencies. Upon doing some research it was due Covid-19 in a effort to freeze account statues to limit negative impact to their customers experiencing hardships. However I never requested such a freeze and continued to make my monthly payments on time each month as I always have. The very next month XXXX of this year when they resumed reporting I got an alert on a credit monitoring site my account was 120 days past due. After seeing this I immediately new this inaccurate I've made every payment on time and have the bank records to support this fact. I disputed this information with the company and the credit reporting agencies each verified it as accurate even though I attached my bank statements for the months in question XXXX- XXXX and XXXX showing I made my payments on time. 
Finally today I decided to reach out to XXXX XXXX by phone they were no help and said I would have to dispute it again even though they did not corrected the first time. I asked the rep to list all the payment dates of the last year she verified I made every payment on time.. and then proceeds to tell the delinquent payment was from the first month I opened the account back in XXXX of XXXX? and that that's why I got the late payment in XXXX almost 5 years later. I kindly explained to her if my account was delinquent for 5 years they repo 'd the car and I would have been dinged with 30-60-90-120 late payment status a long time ago which you will see in the attached file my account has reported in good standing from the time I go this lone until the time they decided to pause reporting. You will also see the reporting is inconsistent across all 3 reporting agencies for example one of my reports shows 90 days late the  next month 120 days late and then next month back down to 60 days late how is this even possible. How can a account be on time in XXXX and then 120 days past due in XXXX when 120 days have not past between periods. I am requesting they remove these misleading inaccurate late payments as it is causing me great hardship I have already been rejected from one lending opportunity because of this please help me correct this misleading information thank you. I have attached my credit report showing my good history until their reporting error as well as my bank statements showing I made my payments on time every month.
Consumer complaint received 2020-09-08
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (TX)

I was contacted by loan officer XXXX XXXX from Amersave, I was  pressed to get all my documents uploaded and was told not make my next mortgage payment as all would be covered within my new refinance. This was over a month ago. since the time I have uploaded all my information I have not been able to contact my loan officer since or anyone else that could assist in updating me on my loan progress.. The name and number XXXX leaves on his voice mail for his manager is not correct. I have left messages for that person along with multiple other agents I was able to get transferred to but have not received a single call back or correspondence.
Consumer complaint received 2020-09-09
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. (CA)

The credit bureaus show late payments on my credit report from several creditors between the dates of XX/XX/XXXX and XX/XX/XXXX. I was serving on XXXX XXXX at that time, yet no matter who I contact ( at the credit reporting agency or the creditor ) none of these organizations have respected my rights under the SCRA.
Consumer complaint received 2020-09-08
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: REGIONS FINANCIAL CORPORATION (FL)

I have not worked since XX/XX/2020 due to XXXX XXXX XXXX and an XXXX XXXX at the XXXX. I have not been working i have mailed a letter to the creditors stating this and i have been marked negatively on my credit report 101 times this is bit only is a heartless but scandalous move by creditors. My husband has tested positive XXXX XXXX we have no income coming in until he returns to the school board which is dangerous on top of it my credit score went from the XXXX to XXXX and they have last reported on XX/XX/2020 this is a mess.