davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CO)

XX/XX/XXXX  -- Applied for and was approved for forbearance while I 'm in a   XXXX   XXXX    XX/XX/XXXX  -- Received request for payments. When asked why this would be, was told, " There 's a new form now. Th e one  you filled out is the old form. '' No one could give me an explanation about why that 'new form ' was n't available when I applied for forbearance, or why they had accepted my forbearance with a supposedly-out-of-date form. I was out of the country at the time, so they put me in a temporary forbearance until I could officially re-apply.      XX/XX/XXXX  -- Re-submitted my forbearance paperwork, was approved.      XX/XX/XXXX  -- Received requests for payments. When asked how this could be, was told that my forbearance had only been approved through  XX/XX/XXXX . No explanation provided about how I could have been approved for forbearance AF TER the supposed end-date of said forbearance. Again re- submitted my paperwork, received no response.      XX/XX/XXXX  -- Received request for payments. Re-faxed my paperwork and tried to submit my paperwork online as well. Received an error message from the online system with no clear explanation of the error. Could find only  one e mail address for the company online so emailed a fresh set of paperwork and a screenshot of the error message I received online to that email so I could have written documentation of the issues I 've been having. Received a response that my email had been received, but no other communications.      XX/XX/XXXX  -  XX/XX/XXXX  -- Still receiving requests for payments.      XX/XX/XXXX  -- Finally have a chance to call Navient ( I wor k 80+ hrs/wk ). I  tell the representative my story. She says that the paperwork in  XX/XX/XXXX  had the dates of "  XX/XX/XXXX  -  XX/XX/XXXX  '' written on them. She tells me she can not produce those documents for me so I can see them. She refuses to look at the paperwork from  XX/XX/XXXX  which had been correct and accepted originally and in my opinion should be the working document. When asked for a specific *human* contact at the company with whom I can communicate, email my documents, etc so I can finally put this issue to rest, she says that 's impossible. I ask to speak with her supervisor ; I get put on hold then hung up on.
Consumer complaint received 2024-09-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (OK)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (GA)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2024-11-01
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 am writing to formally request the blocking and permanent deletion of the accounts and credit inquiries listed below from my credit report. I am a victim of identity theft resulting from a data breach, and I believe these accounts and inquiries were made fraudulently without my authorization. My request is made in accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX ( a ), and FCRA XXXX ( b ). 
XXXX Accounts : XXXX. XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$1200.00} XXXX. XXXX  XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$10000.00} XXXX. XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$15000.00} XXXX. XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$4500.00} XXXX. XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$2500.00} XXXX. XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$14000.00} XXXX. TEXAS XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$15000.00} XXXX. TEXAS XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$4500.00} XXXX. XXXX - TEXAS XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$15000.00} XXXX. XXXX - TEXAS XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$4500.00} Fraudulent Inquiries : XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXXuiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX WOOD FIN XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX
Consumer complaint received 2017-05-16
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

Initial Complaint :  XXXX  USAA provided me with  XXXX   XXXX  contact information from on  XXXX   XXXX ,   XXXX  . I did not receive the above contact information prior to filing my complaint to the CFPB.  XXXX   XXXX ,   XXXX   is the first date I received contact information on   USAA.com.
Everything   listed above and performed by  XXXX   XXXX   XXXX  appears to have been done recently, after the derogatory credit reporting in  XXXX  and  XXXX . There are no dates listed above regarding the investigation and/or notification prior to my complaint with the CFPB. Again, derogatory information was submitted prior to me receiving any documentation or letters regarding the resolution of the fraud investigation.     I contacted  USAA more than twenty " 20 '' times ( prior to my CFPB complaint ) regarding this issue via telephone, USAA.com, and fax. Moreover, I specifically informed USAA tha t my cell phone, along with other things, had been stolen and personally gave you an alternate contact number.     Additionally, I was actually told in  XXXX  that this card was cancelled by a USAA representative and actual items on the card were disputed. Negative information should not have been reported to the credit bureaus if the credit card account was under investigation, and/or I was not aware of the results, and/or I was under the assumption that the card was cancelled.     Thank you.     email :  XXXX  XXXX  XXXX
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2017-05-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: IQOR US INC (TX)

I keep a close eye on my credit report for which it contains value to me and my credit worthiness . Allied Interstate submitte d a collection account to my credit report recently in the amount of {$310.00}. This is an illegal collection and also, I was not contaced at all or notified of such debt. I did not sign any contract with this company. Also, it seems as though the original creditor i s   XXXX   XXXX  . I ow e nothing to anyone. The company tha t Allied bought m y information from is inaccurate.  XXXX   XXXX  had a roof leak which caused water damage to my unit. I had to move my things out before my apartment was ready and also go through all my items to see what other damage was done. I also filed a claim with the insurance and received reimbursement from the. So, there is no way I am liable for anything. This is inaccurate at I owe no such debt.   XXXX   XXXX   better be glad a lawsuit was not filed against them for the damage and the  manager knew  it was damage to the roof leak before I moved in and failed to report it. Also the mold that spreaded throughout my unit is a type of mold my daughter is very asthmatic too. Which I also informed the  manager. I will be  soeaking to an attorney to pursue this matter if this is not removed Immediately.
Consumer complaint received 2017-05-17
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have sent documents, letters to support my dispute numerous times to credit bureau, and to the bank in regards of 30 days late in my credit report. I have called several times to the bank, and I was told to dispute with the bureaus. so I did. and I was told that the report was accurate.      XXXX   XXXX  , 2010 I   t  rade in a c ar to the dealership for another car that I can afford. I still owed the bank for the car I traded in. I found out later that the dealership did not sent the pay off to the bank after 30 days. it affected my score and was turn down for a loan and job. I had a third party involve, and helping me to have the item remove from my report. For a year in a half the company I paid for were sending dispute letters to the bank and to the bureaus. and I would receive a the same answer stating that what was reported is accurate. I had spoken to different employee from the bank pleading and explain what the dealership had done. and I keep being told to call the bureau. and when I called   XXXX   XXXX  , I was told to call the bank since it is the creditor who is reported to the bureau.
Consumer complaint received 2024-09-29
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)

Consumer name : XXXX XXXX. Social security # XXXX XXXX XX/XX/XXXX this complaint is for all three credit bureaus XXXX, Equifax, XXXX I have made multiple complaints about this company. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Equifax, XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a account that opened up by OFFICE OF ATTORNEY GENERAL opened up XX/XX/XXXX under account XXXX, XXXX XXXX XXXX opened XXXX XXXX under account XXXX, XXXX XXXX XXXX opened up XX/XX/XXXX under account XXXX XXXX XXXX XXXX under account XXXX, XXXX XXXX XXXX opened XX/XX/XXXX under account XXXX, XXXX XXXX opened XX/XX/XXXX under account XXXXXXXX XXXX XXXX opened XX/XX/XXXX under account XXXXXXXX XXXX XXXXXXXX opened XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraud collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed for my rights within the FCRA and FDCPA laws. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 
I have attached a form I received from XXXX XXXX  account # XXXX that has my name incorrectly as well that need to be Removed from my credit report immediately as it is false information thank you.
Consumer complaint received 2024-09-10
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. (IL)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX Account Name : XXXX  XXXX XXXX Account Name : XXXX XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX  XXXX XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX  Account XXXX XXXX XXXX XXXX Account Name : XXXX  XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX  UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year>
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I am XXXX XXXX, and XXXX submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-09-03
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (GA)

I bank with Chase since XXXX My cash flow was pretty decent around then but around mid XXXX My my partner XXXX XXXX XXXX XXXX and my job had an issue with paying my backpay and my cash flow was reduced temporarily but in XX/XX/XXXX, my Chase account was hacked by Chase. There was a digital check in my bank app, which I still have that paid chase {$170.00} And where the signature boxes is on the checks, it was printed that I gave my verbal authorization for this check to be cashed paying chasing Oklahoma while Im currently in XXXX, Georgia So I closed that account and reopen a new account with Chase and within a month for {$170.00} being processed out of my account so While waiting for the investigation to conclude to give me some answers on why this happened multiple times in my old and new account on XX/XX/XXXX Chase close my account And told me they didnt have to give me a reason why someone in the back office decided to close my account wasnt even provided a Complementary phone call for heads up also never answering my question about what caused the multiple hacks from my accounts paying Chase XXXX but I was given some Vague, possible reasons, one of which was too many aggressive withdrawals basically meaning job deposited my money in my account and I would pay my bills so I use my money quicker and the other reason I had too many reversals and I asked the agent how many reversals are u allowed she said 3 And I asked her how many reverses do I have she said one and she said it does seem weird and unfair and another agent I spoke to said it seems unfair, but once they closed my account, I forgot the how they phrased it But once its done, cant be undone all the while, not giving me an official reason why it was closing why my account was hacked and I Tried to explain to several agents about my partner passing and my cash flow was slightly lower but none of That mattered to chase
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

Subject : Formal Complaint Regarding Unresolved Credit Report Disputes Dear CFPB Representative, I am writing to request your assistance regarding unresolved credit report disputes that I have been experiencing with all three major credit bureaus : Equifax, XXXX, and XXXX. 

Beginning in XX/XX/XXXX, I initiated my first round of disputes concerning inaccuracies on my credit reports. Since then, I have undertaken six rounds of disputes, with the latest submission made in XX/XX/XXXX. Despite my repeated efforts, none of my disputes have been properly processed or resolved. Instead, I have continually received what appear to be stall letters from each bureau, failing to address the specific inaccuracies I have reported. 

I am enclosing copies of all correspondence and documents I have sent and received throughout this process, including a notarized letter that outlines each dispute and the supporting evidence provided. I believe these documents demonstrate a clear pattern of non-compliance by the credit bureaus in adhering to the Fair Credit Reporting Act ( FCRA ) guidelines. 

I respectfully request that the CFPB intervene to ensure that the credit bureaus conduct a thorough investigation into my disputes and provide a comprehensive response, as required by law. This matter has caused significant frustration and inconvenience, and I am seeking a resolution that corrects the inaccuracies on my credit reports. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and assistance in ensuring that my disputes are addressed appropriately. 

Sincerely,
Consumer complaint received 2017-05-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

M y problem is with Wells Fargo, the ho lder of my mortgage loan. They have dragged their feet and put us through the runaround for  over two yea rs and are now setting a foreclosure sale date of  XXXX   XXXX . They have refused to initiate a review of our current financial circumstances, even though things have changed and the amount of income for the household has significantly increased. We received a letter from  Wells Fargo last month fro m  XXXX   XXXX   Executive Resolution Specialist that stated that Wells Fargo will not review your loan for mortgage assistance options again. There is no reason given. I am pretty sure that Wells Fargo is  supposed to be looking at our current and correct financial information. We have several relatives living in the home and everyone is trying to pitch in to help so that we can save our ho  me. Wells Fargo is purposely denying my family access to government programs that we could qualify for and I dont know why. Not only are they refusing to conduct a review and instead trying to set a foreclosure sale date, they also failed to offer us the option of mediation as required by New Jersey state law.
This is part of a pattern. Wells Fargo has repeatedly dragged their feet, misplaced documents and given us the runaround. We just want the chance to save our home, but Wells Fargo   will not review the current and correct financial information. There are  XXXX  of us living here including  XXXX  young children. I understand that we fell behind but we can make this work and can qualify for a modif ication if Wells Fargo gives us a chance. They are now saying we dont get any more chances. I dont know of any rule or guideline that says you cant re-apply for help if your financial situation changes. I think Wells Fargo is making this up and trying to avoid helping us so they can foreclose. Based on their actions in relation to the fake bank account scandal I am not sur prised.
Consumer complaint received 2024-09-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY (IN)

1. I requested documentation and proof from Wells Fargo that they applied mortgage payments to my mortgage. 
2. I requested the name, address & phone number of the law form representing the {$3.00} XXXX Fine levied by The Consumer Financial Protection Bureau. Wells Fargo refused to provide me that information. Wells Fargo refused to Modify my mortgage for 14 years as they placed it into Foreclosure. 
3. Wells Fargo misrepresented the fact that my mortgage was in Foreclosure for 14 years to the IHCDA ( Indiana Housing Community Development Authority ) for XXXX financial assistance. 
4. Wells Fargo stated to them my mortgage was in default for only 1 1/2 months and that I was eligible for only {$2000.00}. 
I asked Wells Fargo to send the correct information to Indiana Housing Community Development Authority. 
5. Wells Fargo declined to provide the correct information to teh IHCDA even though they had the case number beginning in XX/XX/XXXX! 
6. Wells Fargo sent my servicing contract to XXXXXXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX. 
7. Wells Fargo refused to communicate with me after that date. 
XXXX. Wells Fargo refuses to communicate or provide further information to CFPB.
Consumer complaint received 2017-05-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (CT)

1. In  XXXX  we received notification of an escrow shortage and specifing a new payment amount of {$1700.00}  (  from the previous {$1600.00}  ).  We requested a second statement of mortgage payments and the anticipated shortage but have not received it as of  XXXX / XXXX /  XXXX  .    2.  In  XXXX  we received a mortgage statement for a payment of  XXXX  without any explanation. On  XXXX / XXXX /  XXXX   I called t he Suntrust Mort gage and the agent said that on  XXXX  there was an adjustment and the payment should be  XXXX .   It makes no sense that the payment should change so radically in a  one m onth period, especially since it was already adjusted in  XXXX .