davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY (TN)

- as I renewed my mortgage insurance for XXXX XXXX I was seeking the best $ rates ; my oversight was to let the contract be dated with only a 4 day lapse ; - about XX/XX/2023 Wells Fargo ignored my insurance coverage and added their assigned insurance due to the 4 day lapse ; their insurance rate was approx. {$160.00} more cost than mine. They added it to my escrow which increased my monthly mortgage pmt.. Meanwhile I had already prepaid my insurance for the entire year. Also note NO claims and no incidents occurred during those lapse dates. 

- with some communication... they agreed and acknowledged my insurance and removed their insurance from my escrow liability. 

- yet .... months later they added their insurance again ; in XXXX they ask me to cancel my insurance after 10 months of used coverage ; I explained to them : NO INSURANCE COMPANY WILL REFUND COVERAGE AFTER 10 MONTHS HAS PASSED ; Then they ask me to ask my company to 'BACKDATE " my policy 10 months to cover the XXXX lapsed days ; after I reported that their is a 30 day limit to backdate with my insurance for for " best practices '' and " ethics '' ; now they persist with not accepting my prepaid insurance coverage even though they once DID accept it and then they flex " on again and off again '' ... ..my argument is : both of these opposite behaviors can not be logical or legal or fair ethics????
Consumer complaint received 2018-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FORD MOTOR CREDIT CO. (CA)

Hi : I have leased two XXXX  from XXXX XXXX of XXXX XXXX on XX/XX/XXXX with Financing with XXXX XXXX XXXX XXXX. 
I have paid all the payments on time since it was on " Automatic Payment '' directly from my Bank Account. On XXXX or XX/XX/XXXX and due to their system failure, I was kicked off from " Automatic Payment '' program, backed to " Manual Payment '' without my consent or even without informing me about this change! 
Consequently I was late for more than 30 days on one of my monthly payments and until on XX/XX/XXXX I got a phone call from XXXX XXXX XXXX to discuss this issue with me! 
I told them I didn't ask for any changes on my payment system and want to get back to automatic payment again. They said they are sorry for not notifying me earlier, because I was on " Paperless '' list so they didn't send me any notifications! But they said I can make a payment over the phone and then everything will get back to normal and I will be on " Automatic Payment '' again. Which I did and got back to their " Automatic Payment ''. 
But next week and while I was checking my credit score I realized that my credit score has dropped XXXX points due to the " XXXX XXXX XXXX XXXX '' report on me and because of " Late Payment for more than 30 Days ''! 
I called the company and talked to one of their reps and explained the case, she said they will investigate the case and will get back to me shortly, but have not heard from them since XX/XX/XXXX. 
Now I am planning to apply for a very crucial business loan for my business but because of having low credit score ( XXXX ) it seems impossible, just because of the wrongful report from XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-07-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during this time in pandemic. This is not only effecting myself, but my children and family as well.
Consumer complaint received 2023-11-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (TX)

Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Chime, a financial institution, for its failure to address a fraudulent account opened in my name on XX/XX/2023. I appreciate your attention to this matter as I seek resolution and protection from further fraudulent activity. 

The details of the incident are as follows : Fraudulent Account Information : Date of Incident : XX/XX/2023 The perpetrators used my real address and email address but provided a false name when opening the account. 
Credit File Status : My credit files with XXXX, XXXX, and XXXX are frozen, ensuring that traditional credit checks are required for any account openings. 


Chime 's Lack of Credit Check : Chime 's unique policy of not conducting credit checks with major credit bureaus allowed the perpetrators to successfully open the fraudulent account. 
Request for Account Closure : Upon discovering the fraudulent account, I promptly contacted Chime to request the closure of the account. 

Ineffective Response : Unfortunately, the response from Chime has been inadequate. While they removed the associated email address, the fraudulent account remains open, posing an ongoing risk of additional fraudulent activities. 
I am deeply concerned about the potential harm caused by this situation, and Chime 's refusal to close the account as instructed exacerbates the risk of further fraudulent transactions. 

I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate actions to ensure that Chime addresses and rectifies this security breach promptly. Additionally, I urge the Bureau to review Chime 's policies regarding account openings and recommend changes to prevent such incidents in the future. 

Enclosed with this letter are relevant documents, including proof of my identity, the fraudulent account details, and any correspondence with Chime. Your prompt attention to this matter is crucial in safeguarding consumer interests and maintaining the integrity of financial institutions. 

I appreciate your commitment to consumer protection and look forward to a swift resolution to this matter.
Consumer complaint received 2023-11-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (AZ)

I have sent an email in XXXX requesting that any amount paid that is over the amount due be applied to my principle amount due, this email has so far gone unanswered. Also, I have tried calling them several times and wait times are 90 minute 's or more making it impossible to speak to someone. When making payments that are greater than the amount due, Nelnet reduces the next months amount due. I have sent an email requesting that the remaining a amount that is over the amount due on the statement be applied to my principle amount.
Consumer complaint received 2023-11-26
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (CA)

I have been in contact with Discover several times over the last few months. A agreement to settle the balance was made and subsequently the payments have been made for XXXX of the 36 month of payments. After several unsuccessful discussions they advised that they would report the balance owed, monthly payment history, date of the last payment. 
The balance due would show the remaining 13 months of payments which is currently reflecting the higher balance to which the settlement was agreed upon. The amount should be aproximately {$3800.00}. The discussion and agreement with Discover is that the payment plan would be done in good faith. Their lack of action is being done with intent to harm me and cause me difficulties moving forward. While I was relieved that Discover agreed to make the change they have not provided this update to the creditor. 
I have also contacted Discover in a attempt to determine if a option of a lump sum payment could be agreed upon in XXXX. This has been ignored and to my surprise they have not taken the opportunity to respond and honestly deal with me as a consumer. My health has been very bad and have been given a one time opportunity to pay the amount if Discover would provide a discount for lump sum payment. I will need 60 days to get the funding and if agreeable will request that the company please provide me a letter with the amount they will settle all claims.
Consumer complaint received 2023-07-02
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: Medical-Commercial Audit Inc (SC)

I received a collection letter from : MCA Collection Agency XXXX XXXX XXXX XXXX MO. XXXX on behalf of XXXX XXXX acct # XXXX. 

Thier Letter stated that I had 3 days to dispute which I did, I also requested a copy of the receipt/work order from date of installation. I received no reply and they reported it to XXXX Credit Reporting. 

I disputed with XXXX, asking for the same documents and they replied it's my debt and no documents.
Consumer complaint received 2023-06-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In Accordance with the fair credit reporting accuny # XXXX XXXX, XXXX  XXXX, XXXX  XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A states i have rights to privacy.

15 U.S.C section 604 A section 2 : It also states a consumer reporting agency can not furnish a account with out my written instructions
Consumer complaint received 2022-12-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX 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 an 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.
Consumer complaint received 2023-11-26
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Mr. Cooper Group Inc. (NC)

Working with Mr. Cooper to try to do a cash out refinance. Was told in XXXX that it could be done in XXXX. In XXXX I was told had to wait until XXXX. Found out through a different lender that had Mr. Cooper done the refinance in XXXX, they would have been penalized because it hadn't been a year. 
Conflicting information and when I tried to reach Mr Cooper about it, took a week to 10 days to get a call back. Tried to reach the representative 's manager, left several voicemails, sent an email and have never heard back from him. 
Because the refinance did not happen in XXXX, I am now being sent to collections on several accounts that I thought I would be able to take care of in XXXX. So now my credit score is bad and they say they can't do the refinance now because of the low credit score. 
I also was not given any other options, like a reverse mortgage. 
I do not know if anything can be done, but if I was given incorrect information in XXXX, the company should do the refinance now.
Consumer complaint received 2023-11-26
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (TX)

I have been sued by Wells Fargo for several fraudulent accounts. I informed Wells Fargo that I did not open the accounts. They did not care. I have found charges for life insurance, XXXX insurance, and identity theft protection. I finally got a letter for Identity theft products that were not authorized. Even though Wells Fargo is finally saying I may have been done wrong they are still suing me.
Consumer complaint received 2024-03-15
Product: Credit card — General-purpose credit card or charge card
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. (IN)

I've consistently maintained the promptness of payments on this account, preventing any instances of overdue payments. I'm unsure of the reasons behind the reports of late payment remarks on my accounts. In accordance with 15 USC 1666b - Billing Error, corrections should be addressed.
Consumer complaint received 2023-11-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (IL)

After checking my credit report with XXXX, XXXX and XXXX I noticed that, LexisNexis a company I had no ideal about, has been reporting inaccurate information to the Bureaus regarding XXXX XXXX XXXX XXXX  Bankruptcy and a few other incorrect information such as the spelling of my name, address etc.. I disputed this information. On XXXX XXXX LexisNexis sent me a notification stating that the information is unverifiable or accurate. The dispute notification does no provided in detail what information was investigated. On XX/XX/2023 I opt-out the sharing of my information. XX/XX/2023 I received a update regarding reinvestigation, again LexisNexis states all information has been verified. XX/XX/2023 I disputed the inaccurate information on my Credit Report again, I also reached out to XXXX and the Federal Court regarding the Bankruptcy. The letters from the courts has been provided to LexisNexis, no response. LexisNexis has violated my privacy right and inaccurately gathered my personal information and sold to the Bureau for there own personal gain even after I Opted-out of sharing. I have contacted LexisNexis several time about this matter and was told that, XXXX XXXX has the option to decide what consumer information is permissible to sale/share without the consumer consent. The inaccurate reporting has cause a great amount of suffering for me and my family. I request this inaccurate reporting by LexisNexis be removed ASAP. Thank you
Consumer complaint received 2023-04-18
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: Experian Information Solutions Inc. (SC)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681 : Account name : USDA Rural DevelopmenXXXX Account number : XXXX ; Account name : XXXX XXXX XXXX Account number : XXXX ; Account name : XXXX XXXX  Account number : XXXX, has violated my rights. 

15 U.S.C 1681 Section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an 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.
Consumer complaint received 2023-11-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation (GA)

I noticed my credit report with Bridgecrest was incorrect. They have an incorrect monthly balance since I opened the account showing {$490.00}. It should be {$460.00}. They also have not updated all my payments Ive made with the credit bureau. I told them to do this multiple times XX/XX/2024. Still not done.
Consumer complaint received 2023-11-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (DC)

On the XX/XX/XXXX deadline, I requested that my first auto payment be processed and applied to XX/XX/2023 rather than XX/XX/2023. I waited on the phone for several hours to process this request because an online request form was not available. After finally speaking to a representative, I received both verbal and email confirmation stating that my terms were officially updated and my first payment would be automatically processed and applied to XXXX. XXXX passed and a payment was never processed. XX/XX/XXXX was still listed as the first payment due date on the Nelnet website and my first payment did not automatically process until XX/XX/2023. 

On XX/XX/XXXX, I checked my bank to make sure that the XX/XX/XXXX payment processed successfully and I did not see anything pending, so I checked the Nelnet website and it said that the next payment was not going to be processed until XX/XX/2023. I checked pending charges and it said nothing was pending, not even for XXXX auto-payment ( I took photos ). I checked my balance and it said that the payment was overdue. I then went to the Dept of Education website where there was a notice that my payment was overdue. I then went back to Nelnet and processed a payment for the amount that should have processed in XXXX in the amount of {$1500.00} ( I took a video of this process in case Nelnet fails to process this ) to avoid Nelnet damaging my credit, but I am not concerned that Nelnet is going to try to process the XXXX payment at some point and overdraw my bank account. I never had this problem with Great Lakes in the XXXX years that I've been required to make student loan payments. I have always processed my payments on time and find this very stressful and potentially damaging to one 's finances.
Consumer complaint received 2023-07-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (WV)

I was extremely shocked to see every complaint I have filed closed out all on the same day. I didnt know at the time, the scans I sent in with my complaints, were not able to actually see the documents. I have fixed the scans, you can actually see the evidence now. My whole complaint of Wells Fargo manipulation and the blatant fraud. As I have said in all of the complaints I have filed. Wells Fargo didnt know in XXXX  and they are still defrauding us. As Wells Fargo can see in the original loan modification form from Wells Fargo home mortgage, by XXXX, they were making up numbers. Still continue to deny the facts I have provided. This original document proves that Wells Fargo is still lying and manipulating our mortgage account. How are the payment so different than the photocopied loan modification they keep sending us. Yet proof that Wells Fargo is still breaking the law and defrauding us as consumers.
Consumer complaint received 2023-11-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: American First Finance, Inc. (CA)

I have been a victim of identity theft and i received information that someone in XXXX XXXX has used my information with this company to obtain good that i have no knowledge of AMERICAN FIRST FINANCE is reporting on my credit report as a debt this is not my account and needs to be removed from the reporting bureaus asap.
Consumer complaint received 2023-11-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions (TX)

I have new information and an update regarding complaint # XXXX. 

, I did not receive any communication from your company. Please upload here on the CFPB website the correspondence letter that was sent to XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX on XX/XX/2023. 

This is a stall static that your company is using. 
The more you delay this information the more I will claim damages in court. 

I have also attached the original letter that was sent certified. 

Thank you
Consumer complaint received 2023-11-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TRANSUION ONLINE CREDIT DISPUTE IS UNUSEABLE AND DIFFICULT GIVES NO OPTION TO FILE DISPUTE IN THE DISPUTE FILE SYSTEM OTHER THAN ADDRESSES, NOT ONLY IS THE SYSTEM OUTDATED AND DISFUNCTIONAL, THE REPORTING METHODS THEMSELVES ARE OUT OF DATE AND DO NOT MATCH EVEN REMOTLY CLOSE TO THE XXXX AND XXXX SYSTEMS WHOM HAVE NONE OF THESE ISSUES.
Consumer complaint received 2023-07-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Sunset Management, Inc (GA)

Last week at the end of XXXX, I was trying make a payment or set up a payment that works for me but Sunset finance in XXXX, ga wouldn't accept the offer I wanted which was {$50.00} a month because its more convenient for me but they threatened me also to take my stuff that I need to get a job otherwise I won't be able to make payments but anyways I'm tired of the threats the calling of family and telling my family why I haven't paid them etc. They don't suppose to do that at all. I'm very stressed out and bout to check into a XXXX XXXX  foreal