davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Carvana Group, LLC (NY)

I applied for a vehicle loan at Carvana on XX/XX/XXXX. The next day I was advised that I just needed to have my Chapter XXXX dismissed and re-submit the application which I did on XX/XX/XXXX. When I went to re-submit, they were having technical issues that prevented the submission ( code 400 ). The customer advocate submitted a tech support ticket and the issue was resolve on XX/XX/XXXX. 

I successfully re-submitted as was told that I just need to submit additional documents by XXXX XX/XX/XXXX. At XXXX XXXX on XX/XX/XXXX, I sent in the requested documents ( insurance affective for XX/XX/XXXX and XXXX income documents. ) At XXXX XXXX but was not able to delete the old documents, therefore having duplicate documents attached. I then contacted customer service to verify. 

Later that evening at the end of their business day, I received an email from underwriting stating that I DID NOT MEET THE DEADLINE. I contacted a customer advocate, supervisor and team leader who ALL stated that they did not see why the underwriter did not open the updated documents. I told them that it ha to be either more technical issues on their end or the underwriter was rushing to leave for the day. After escalating to management, I was reassured at XXXX on XX/XX/XXXX that " no worry-you will receive your vehicle on XX/XX/XXXX as expected ).
Consumer complaint received 2021-05-14
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. (NY)

There are 2 negative items on my credit reported that I wrote dispute letters to all three major bureaus dispute letters to and none of them have responded back to me and it has passed the 30 day mark. By law they have to remove these items off of my report now.
Consumer complaint received 2021-05-14
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)

Im submitting this complaint against XXXX Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous XXXX and financial XXXX preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2021-05-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (GA)

My XX/XX/XXXX bank statement shows transactions through XX/XX/XXXX. Transactions on the following statement for XX/XX/XXXX begin on XX/XX/XXXX. There is a 10-day gap in reported transactions at year end, which is indicative of one or several transactions taking place at this time XXXX XXXX to XX/XX/XXXX XXXX with a net zero effect on account balance that the bank was able to affect but did not report.
Consumer complaint received 2021-05-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Southwest Business Corporation (TN)

My mortgage was in forbearance due to Covid 19. 
I've contacted the mortgage company several times to defer the owed payments per the Cares Act and allow me to restart my monthly payments. 
The mortgage company has not done so, and has informed me my forbearance period has ended and all payments are due.
Consumer complaint received 2021-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (FL)

I previously had an auto loan with JP Morgan Chase. The loan was successfully paid in full. On all three credit bureaus the closed loan is showing a 30 day late payment ( different alleged delinquency date on XXXX, XXXX  & XXXX  ). Also on my Equifax report the loan which was closed in 2020 is still showing open with a balance of over $ XXXX. This is preventing me from obtaining a mortgage for me and my young family. I have tried numerous times to get this fixed by disputing with XXXX, XXXX & XXXX  as well as JP Morgan Chase, with no resolution!!!
Consumer complaint received 2024-09-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Shellpoint Partners, LLC (CA)

Spoke with XXXX at XXXX XXXX on XX/XX/year>, she said that if I will make nine months of the mortgage payment, The legal fee, the late fee, Inspection charges, and late charges will waived. The nine months of mortgage payment was made on XX/XX/year>, I did send a fax, Cfpb complaint, XXXX compaint, on XXXX website, on XXXX, on XXXX as well, and all the fee is still not waived.
Consumer complaint received 2024-09-26
Product: Debt collection — Rental debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: National Credit Systems,Inc. (MD)

On XX/XX/XXXX I got a notification that a collection was added to my account from National Credit Systems from an apartment complex in Texas called XXXX XXXX XXXXXXXX. I am a victim of identity theft and Ive never lived in Texas and this debt is requesting me to pay {$7400.00}. There is also a eviction on my record from this aswell
Consumer complaint received 2024-09-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TransferWise Ltd (OR)

Opened a new account with wise.com and for first few weeks they could not verify my account due to technical issues from their end and I tried to escalate it multiple times but ended up in an infinite loop of ignorant customer service agents. till this moment they failed to provide a resolution or resolve the issue
Consumer complaint received 2021-05-14
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: CITIBANK, N.A. (NY)

( Confidential info attached, please redact ) I have discussed with Citibank multiple times in the past 2 weeks about removing the records of delayed payments from 2017 on my credit report. The representative on the phone agreed but then I never heard back. I had to call Citibank multiple times and every time I got a different answer. It also put me on extended hold. Although I am glad that citibank agreed to remove, but the internal process of citibank is confusing and it is not giving me a clear picture of how it would be resolved. my last four digits of SS is XXXX.
Consumer complaint received 2021-05-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

Received " Pre-Selected '' offer from Capital One XXXX. I want to opt out of these offers. Called their XXXX number XXXX. One of the first things that they asked for was my Social Security Number. I hung up. How can I opt out of these annoying pre-screened offers? I get quite a few of these offers. Most of them I have been able to stop, but this one is particular bothersome. Can you help?
Consumer complaint received 2021-05-14
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd ()

I am a customer of TransferWise ( now XXXX ) ( Membership XXXX ). I submitted two transfers that have the same recipient : # XXXX on XX/XX/XXXX, XXXX XXXX  # XXXX on XX/XX/XXXX, XXXX XXXX  All funds in XXXX are supposed to arrive in one working day. But there are significant delays. I have contacted TransferWise every morning and every evening in the last two weeks. But no progress was made. On XX/XX/XXXX, TransferWise received the requests from their banking partner XXXX.XXXX, then they replied and sent the information to XXXX.XXXX  on the same day. Till now XX/XX/XXXX, I still did not receive any updates on the two transactions. It's easy for TransferWise to contact XXXX.XXXX directly to follow up on the progress, to see the current status of the two transfers and whether there are other issues that cause the delays. But they don't do anything and just wait. Even if I told them the funds from these transfers are in urgent need, they kept telling me that they have already sent the requested information to the bank and asked me to wait. They did not provide me any updates and are not willing to contact XXXX.XXXX  again to see what happened. 

My family moved from U.S. to XXXX this XXXX. All the funds are from our own savings and are used for our house downpayment in XXXX. Because of the delays, we can't provide the down payment on time, and we will lose XXXX security check as well as our first dream house in XXXX. We feel frustrated every moment in these two weeks. 

Please ask TransferWise to address the issues with their banking partner XXXX.XXXX  directly, and have the recipient receive all the funds as soon as possible. We don't want any delays.
Consumer complaint received 2021-05-14
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. (FL)

Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous XXXX  and financial XXXX preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2021-05-14
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. (CA)

The information in my credit file is inaccurate. there are several months that I'm listed in collections " C '' when I was not. I was only ever required to pay {$15.00} per months and at times paid more when able. In addition, in XXXX I made a settlement agreement to pay {$1400.00} instead of {$1500.00}. In XX/XX/XXXX I paid the agreed amount in full. I only have two open accounts and this continued error has been detrimental to my credit rating. 

The inaccurate months are as follows : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX
Consumer complaint received 2021-05-14
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. (AZ)

XX/XX/XXXX I opened an account with XXXX. XX/XX/XXXX, I left my card inside of a taxi. I called and reported the card list/stolen. A new card was issued and I was informed to wait up to 10 days to receive. I received this card XX/XX/XXXX. The old account ending XXXX is reporting as close on my credit report but I still have the account history on this account reporting XXXX as if it was open. My new account ending in XXXX and My closed account has the same history reporting on my credit report. This is considered duplicate reporting because I only have 1 open account with this company. The bureau have the account closed but no date as to when it was closed but a status update fir XX/XX/XXXX.
Consumer complaint received 2021-05-14
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. (FL)

I am writing this complaint with hopes that you are able to assist me. During the pandemic the president signed the " Cares Act '' which placed all federal student loans on a pandemic forbearance/suspension. To my knowledge all of my student loans are federal student loans so I assumed that all of my student loans would be placed in this status. The cares act with respect to the student loans was extended at multiple stages throughout the XXXX year due to the continued state of the Covid-19 pandemic. It was not until late XX/XX/XXXX that I pulled my credit report and noticed that half of my student loans were reporting as current and the other half was reporting as past due. I immediately contacted the XXXX company to find out what was going on. I spoke with a representative and I was informed that yes all of my student loans are federal student loans however half are owned by the Department of Education and the other half was owned by XXXX. I immediately attempted to rectify the situation by applying for a deferment which was approved. However reporting on my credit report are late statuses for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX has been sending my past due status and my monthly statements to an UNKNOWN ADDRESS, for which I am attaching those documents. FYI I was able to recognize the address discrepancy because during one of my conversation with a customer service rep she walked me thru accessing the documents online and I noticed that for some odd reason they were sending certain correspondences to my address XXXX XXXX XXXX but some to an incorrect address for which I have never lived XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I added this to explain why I was not more proactive in trying to rectify the situation before it even got to this point where the accounts were reporting past due. Whats wierd is they were sending letters to this address telling me they were unable to get in touch with me to the same address they were unable to contact me at. Looks like they updated my address since. 

Regarding : Account # XXXX Attaching 1. Cares act info 2. Screen shot displaying the past due statuses on my credit report 3. A few documents showing proof that notices were being send to wrong address.
Consumer complaint received 2021-05-14
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. (NY)

I have communicated with the credit bureaus on several occasions about the 14 fraudulent inquiries that I did not make that appear on my credit report/file as well as numerous accounts that were opened without my knowledge, authorization/consent. My FTC report # is XXXX. These accounts should not be reporting to my credit report/file because they do not belong to me and should be deleted immediately.
Consumer complaint received 2021-05-14
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. (NJ)

On XX/XX/XXXX i sent the first dispute about negative information being reported on my credit report. i noticed that my name has been spelled incorrectly and that I have seen some unverified accounts being reported on my account in error. XXXX Equifax and XXXX stated that all of the information as been verified. How is that so if i continue to see that it has not been updated in the last reported and date last active? i have not received a response since XX/XX/XXXX. They have just ignored my disputes and i know under FCRA section 611 ( a ), the CRA must provide a investigation within 30 days. It has now been over 60 days and no response. I have enclosed a copy of my latest credit report which I highlighted all of the unverified, erroneous data that is being reported. I will be forced to seek litigation toward these companies if this situation has not been corrected. This is causing me lots of grief.
Consumer complaint received 2021-05-12
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)

MY NAME IS XXXX XXXX. I AM A VICTI OF IDENTITY THEFT. SOMEONE IS DESTRPYING MY CREDIT. ITS MAKING MY LIFE MISERABLE. I AM TRYING TO GET MY BUSINESS GOING AND THESE FRAUDULENT ACCOUNTS ARE HINDERING ME. IVE TRIED TO DIPSUTE THESE ACCOUNTS BEFORE AND THEY KEEP HAUNTING ME. CAN SOMEONE PLEASE HELP ME.
Consumer complaint received 2021-05-14
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)

I sent my police report with the described incident of identity theft to experian on XX/XX/XXXX so the certified and first class mail to make sure it was received. 
It says it was delivered XX/XX/XXXX but when I call and speak to the dispute and mail team they all allege their is no documents. Even though I have a USPS certified slip proving it was delivered. I called XX/XX/XXXX to check in with them and see if they found my documents they said give them 48 hours to look into. A full week passed no notifications. I called again Wednesday XX/XX/XXXX asking for an update again and they put me through the same process saying they need 48hours again. They have made no attempt to help me with my matter and this fraudulent account on my report is severely impacting my credit score I am looking into taking legal action
Consumer complaint received 2021-05-14
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 (MO)

I have a paypal account that I can not access because I don't have a mobile phone. I called them about it and they will do nothing. They sent me a monthly statement notice, but I can't see it because I don't have a mobile phone.
Consumer complaint received 2021-05-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Im writing because I noticed that my most recent credit report contains payments reported on XX/XX/XXXX and XX/XX/XXXX for my Capital One closed account. 
I want you to know that I understand my financial obligations, and if it werent for me facing financial hardship and losing my job, Id have an excellent repayment record. I made a mistake in falling behind, but since then, I have pay the account off in full and have made payments on time. Ive had a spotless record of on-time payments. 
Im planning to apply for anew apartment and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payments on XX/XX/XXXX and XX/XX/XXXX. 
Thank you for your consideration, and I hope youll approve my request.
Consumer complaint received 2021-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

Kohls/Capital One is reporting erroneous lates on my credit file. These lates are for the months of XX/XX/21, XX/XX/21, XX/XX/21. These lates were a results of a {$1.00} PAST DUE BALANCE. I was never contacted about this DOLLAR. I'm genuinely blow away at the fact that this account was marked delinquent and CLOSED because i was past due XXXX dollar ... If i was made aware of this delinquency i would have paid it! It has ruined my credit file and cost me to loose financing. I am very upset with the fact that i was never contacted about this delinquency, i was not aware of this until i pulled my credit and saw the lates.
Consumer complaint received 2021-05-14
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. (CO)

Please see complaint ID XXXX. This is my second complaint with Transunion on this exact same issue. The company responded on XX/XX/XXXX that the late payments on XX/XX/XXXX and XX/XX/XXXX for the XXXX account in question were to be removed. They did remove them and updated my credit report. Then on XX/XX/XXXX those late payments were added back on. We are closing on a home in a little over 30 days and need this to be permanently taken care of. We have spoken to XXXX, and they say that Transunion is reporting this. Then we call Transunion and they say XXXX is reporting this. Please update.
Consumer complaint received 2021-05-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (GA)

XXXX XXXX and XXXX XXXX services added to my credit report and I have no knowledge of either account and its hurting my score bad. I have been fighting them both for a while and letting the companies know that i have no knowledge of these accounts. Also have filed with FTC.