davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-27
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: United Shore Financial Services, LLC (CA)

To Whom It May Concern, I am writing to formally bring to your attention a matter of great concern and urgency regarding a COVID forbearance issue that has arisen with my mortgage lender, UWM ( United Wholesale Mortgage ). I understand that the Consumer Financial Protection Bureau plays a vital role in safeguarding the rights and interests of consumers, and I hope to receive assistance in resolving this matter. 

I was granted a COVID forbearance, which was a lifeline for me during a challenging period, and it was in effect until XX/XX/2023. However, upon the conclusion of the forbearance, I received a statement from UWM that requested an unmanageable lump sum payment of {$40000.00}. This action appears to be in direct violation of the Consumer Financial Protection Bureau 's policy, which expressly prohibits requiring individuals who were on a COVID forbearance from making lump sum payments at the conclusion of the forbearance period. 

I have reason to believe that UWM, along with other lenders, may not be adhering to the CFPB 's regulations, particularly when dealing with minority borrowers like myself. As a military veteran who was willing to make sacrifices for the safety and values of our nation, it is deeply disheartening to have my rights violated by a United States company. I believe that no borrower, regardless of their background, should be subjected to such unfair and unjust treatment. 

I am seeking your assistance to rectify this issue promptly and ensure that UWM complies with the regulations set forth by the CFPB. I am willing to work with UWM to establish a repayment plan that aligns with my financial capacity, as per the guidelines and principles established by your organization. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter, hold UWM accountable for its actions, and ensure that my rights, along with those of other borrowers, are protected and upheld. Any guidance and intervention you can provide to address this situation would be greatly appreciated. 

I look forward to a swift resolution of this matter and the restoration of my financial security. Please do not hesitate to reach out to me at [ Your Phone Number ] or [ Your Email Address ] if you require any additional information or if you would like to discuss this matter further. 

Thank you for your attention and understanding.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (UT)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

hese can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2019-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Experian Information Solutions Inc. (WI)

Experian has fraudulently charged my credit card for {$24.00} for XXXX and XX/XX/2019 without my permission. This is an online scam by a credit bureau on an unsuspecting customer. 

This credit bureau stores the credit card for single use purchases and then fraudulently charges additional amounts without permission from consumers and for no extra services. 

This company must be penalized for these fraudulent practices. 

XXXX XXXX
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

i sent a letter to Experian on XX/XX/ TRACKING # XXXX which they received XXXX. Under 15u.s code 1681c-2 a consumer reporting agency shall block the the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt. it has been 30 days and you are in violation of this law because i am a victim of identity theft. I provide a sign and notarized identify theft affidavit and they still failed to remove it or provide what steps they took to validate the accounts.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I am a victim of identity theft. I contacted the credit bureaus to dispute fraudulent accounts. I followed their protocol. Obtained police report, filed a report with Federal Trade Commission. identified the items in question with account numbers. provided social, Driver Licenses, and utility bill.
Consumer complaint received 2024-07-16
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: T.S. Holdings (NY)

XX/XX/year>, I received a bill from a debt collector called XXXX XXXX XXXX for a debt I have no details about. The original vendor they obtained this debt from failed to provide me with an itemized bill, despite the fact that they had kept my security deposit even though a realtor had certified that I had returned the property in due process, and despite multiple failed attempts reaching out to the original vendor, XXXX XXXX XXXX XXXX, asking for my security deposits or the details of the bill ( which they never provided ). It was a surprise to have this debt collector contacted me after I had always submitted payments and properly returned the property, AND not having received my security deposit. 

On XX/XX/year>, I attempted to have the collector provide verification of the debt and explained that I had not even received my security deposit and was not sure of what the bill was about, and even more surprised that it also had " accrued interests ''. I also sent them a letter by fax and certified mail, seeking clarification and verification. Despite my request, the collector did not respond at all. 

Instead, they went ahead and reported the debt to credit agencies. This had an immediate impact- my credit score dropped, and my credit card limits were reduced ( e.g. from {$35000.00} to {$8000.00} ). Even after I submitted disputes to the credit agencies and provided proof that the debt collector had failed to verify the debt, XXXX insisted on keeping it on my report, stating they would only remove it if they received a letter from the collector but since the debt collector told them to keep it on, they would have to keep on my report. 

Moreover, the debt collector XXXX XXXX XXXX has also continued calling my phone number ( which they seem to have obtained through my credit report ), even though I asked them to only contact me in writing. 

Dealing with XXXX XXXX XXXX XXXX has been XXXX of the worst experience of my entire life. As shown by their reputation online, just as XXXX XXXX XXXX, they have very questionable ethics and have caused me so much discomfort and inconvenience. 

They need to remove the negative remarks from my credit report asap. And if there is anything they say I owe, I have the right to see proof of what exactly they are billing me for and why my security deposits were not returned.
Consumer complaint received 2023-10-27
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: NAVY FEDERAL CREDIT UNION (SC)

Navy charged the debt off my report after calling three times threatening me that they would come to pick up my car. My car had a Lien on the motor due to a bad motor they were supposed to be sending the title over to the mechanic but instead sent a tow truck to seize my property after they had already charged it off my credit and sent my debt to a debt collector without my permission or consent. After that they sold the car and say I still owe half of the final amount than took XXXX dollars out my bank account.
Consumer complaint received 2024-07-30
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Used obscene, profane, or other abusive language
Company: P&B Capital Group, LLC (IL)

On multiple occassions I have been discriminated against because of my age. Repeatedly they refer to my age and how someone my age can not make payments, they have never come across someone my age that has a problem making payments, how I should be embarassed because someone my age should not have these financial problems, and how me being a grown man shouldn't be in this situation, and more. This has happened both on email ( which I have saved ) and phone conversations over the past several months. All phone calls are recorded as they state at the beginning of each call however I doubt they are and are being deceptive, but I would refer tot hem on obtaining them as you'll hear much more.
Consumer complaint received 2024-07-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC (DE)

I received a letter from Wakefield Associates that I owed a XXXX company. I sent them Notification requesting proof that it was mine. I Never received the proof. On this date, XXXX/XXXXXXXX, I received an email from a credit reporting agency that it is on my credit report. I called the company back and they told me I need to request proof and writing. I told him I already did so, and they asked me to request it again. I told him I sent two notices back to them and asked how many letters do they need before they do something about this?
Consumer complaint received 2024-07-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NJ)

My online banking was hacked using my email. A XXXX XXXX was sent in the amount of XXXX. 

I got an email saying the transfer initiated XX/XX/XXXX but did not happen till XX/XX/XXXX. Wells Fargo sent an affidavit requesting to cancel the transfer but it was denied and the transaction posted. 

I called my bank immediately on getting the email XX/XX/XXXX. I reported it. I changed my checking and debit card numbers. There was a second XXXX XXXX already set up to go out and the bank cancelled that one. 

I froze my credit. I changed my gmail password. 

The bank is investigating and still hasnt given me my money or provisional credit. 

I found out from the bank that the XXXX XXXX paid was an XXXX credit card. 

I called and confirmed with XXXX I have no open credit cards or relationship with XXXX XXXX. 

I told the bank I confirmed with XXXX that I have no credit cards with XXXX. I also confirmed with XXXX XXXX I have no relationship with them. 

I also told bank my gmail was hacked because I got XXXX junk emails. I told them I changed my password.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

To ensure that your company is reporting accounts 100 % accurately, I would like to know the procedures used to investigate these inaccurate accounts. Did you even conduct an investigation because it is still not reporting 100 % correctly? 
Its sad that your company would ignore the FTC guidelines in regard to your investigation efforts. I wonder if other consumers are being affected by your lack of investigation. I would like to know to whom you talked with at the collectors office when you started your investigation? Also, please send me their complete address. In addition, please do not send your template letter on how you conduct an investigation. I want details on how you did this. 
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 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act, the following list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I have requested Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 USC 1681i ( 5 ) they are suppose to modify accounts if it isn't reporting correctly. And 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

And they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case.
Consumer complaint received 2024-07-14
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Debt Mediation, Inc. (RI)

I was contacted by the company called. XXXX XXXX XXXX XXXX XXXX Their address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX. This debt collector has harassed me. They have called multiple times stating I owe them {$8400.00}. I explained to them I needed proof of this statement because I moved from the apartment located in XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXn XX/XX/2021. The debt collector company then proceeded to state that I never returned the keys to this apartment complex. I stated I didnt have the proof but a few months later I found the letter I had signed when I returned the keys. I disputed via XXXX and provided this proof and also attached the paper by the school provided to me the same day I took my kids out of school. There hasnt been any response towards this proof I provided. I called and explained to them I did a dispute with PROOF and they removed the debt from my XXXX credit but then they put it back.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (GA)

XXXX XXXX reporting late after just 5 days. No notice given. Late payment can not be verified. CFR 1029.11 states credit balances in excess over {$1.00} has to be credited in full to the account by creditor.

Late payment reporting inaccurate on report is violation of 15 usc 1666 ( b ) Please see to it late payment is removed and balance is credited in full
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

My account with was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported inthose account to be update They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-07-29
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XX/XX/2024 I requested a credit line increase on my Bank of America credit card account and the request was denied. It does not appear that Bank of America even pulled a copy of my credit report as I have my credit files locked and Bank of America made no request for me to unlock my credit files. Additionally, as requested Bank of America did not take into consideration assets that I have. Please see the attached Bank of America denial letter dated XX/XX/2024 and advise what assistance you can provide.
Consumer complaint received 2024-07-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (MA)

On XX/XX/XXXX, I booked a King Deluxe w sofa bed room at the XXXX XXXX XXXXXXXX in XXXX, MA for XX/XX/XXXX - XX/XX/XXXX. When I arrived and checked in, I was given a King ( not deluxe, no sofa bed ). As the room was very small and not what I paid for, I asked the hotel to correct the situation, showing them my original confirmation of a XXXX XXXX with a sofa bed. They put me in a double queen and did not inform me of any up charge. The day before check out ( XX/XX/XXXX ), I saw an up charge of XXXX charged on the day I checked in, in addition to the XXXX that I already paid on XX/XX/XXXX for a king deluxe with sofa bed which I did not receive. I immediately called my credit card company, Chase, to dispute these charges. Chase informed me that because I had accepted the double queen and slept in it, that they will not dispute the charges and consider it services rendered despite those services not being what I paid for and not agreeing to any up charge. I have now paid over {$1000.00} for a room that is not what I booked and my credit card company refuses to do anything about it.
Consumer complaint received 2023-11-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (NY)

It is impossible to get a hold of any customer service agents from this loan servicer. They placed my loans in administrative forbearance without any reason or documentation. They did this without notifying me or explaining why they did this. I applied for the SAVE IBR plan back in XXXX and have not heard anything back about this process or any updates about the status of my application. My loan continues to accrue interest while they ignore my phone calls and leave me in the dark about the status of my loans. this is absolutely unfair and ridiculous. Had they took action to approve my SAVE plan when i initially applied my loan would not be accruing interest for 3 months. Again, it is impossible to get a hold of a representative for EdFinancial.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (FL)

An unknown person and/or business fraudulently added my name without my permission as an authorized user on a CITI CARDS/CBNA credit card ( Partial acct # XXXX ). The current balance is approximately {$12000.00} dollars. I called and reported this information together with fraudulent addresses listed on my credit report to all three credit bureaus. I also contacted XXXX  XXXX ( XXXX ) to have this information removed. However, they did not have me listed on the above-mentioned account. 
It should be noted that the above account was removed by XXXX and XXXX, but XXXX dispute results stated the information was verified as accurate. THAT IS IMPOSSIBLE! I have NEVER authorized or given permission to anyone or any business to add my name as an authorized user on the above-mentioned account. Today, XX/XX/year>, I refilled a dispute with XXXX.