davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (OK)

XXXX purchased my mortgage from the originating Bank in XXXX. In XXXX I filed a chapter XXXX and XXXX either sent the reaffirmation paper work and did not handle it properly OR they did not. ( XXXX had a second and it was reaffirmed and paid off ) Since that time XXXX has NOT reported my continuing loan payments to the credit bureaus causing me to be unable to get a favorable review as I have searched for a mortgage refi ( or any loan for that matter ). Recently I took advantage of the government mandated Forbearance program, during which time I paid my escrow amount each month. The program ended for me and I began paying the mortgage payment ( reduced by {$20.00} ) in XXXX. I now have seen a email account update where XXXX has not added time to the loan, but moved the unpaid interest and principle to the " balance line ''. I have asked for a refi with today 's fantastic interest rates and the answer is NO. NO OTHER mortgage lender is willing to take me on as a customer. I am hoping to negotiate a new loan with WF at today 's rates, but that does not seem to be an option for them. Please advise as to what might be options to move forward with this situation. Thanks, XXXX
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Throughout, I've maintained timely payments on this account, ensuring they never lapse. I'm uncertain why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be rectified.
Consumer complaint received 2020-11-06
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: Experian Information Solutions Inc. (NY)

Hi, my credit score as XX/XX/20 in XXXX  is XXXX and in XXXX  is XXXX but when I check my credit score on Experian is XXXX it makes no sense, I believe Experian is lowering people 's credit scores in a way to force people to buy the Experian Credit Boost propaganda, the credit scores starting to look very different from XXXX, XXXX  to Experian, when Experian started to promote the boost the Experian credit score service. 
Please help me and look into this. In my opinion Experian is lowering people 's credit scores to sell their Credit Score Boost Service.
Consumer complaint received 2017-07-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: GREAT LAKES (MA)

I had two loans with Great Lakes, one XXXX Plus and one private. In 2013, the  co-signer of the private loan paid off their balance and I was left with a balance of {$9000.00}. Great Lakes wiped the {$9000.00} off my account and I was only left with the XXXX Plus loan. <P/>In XXXX, I applied for a consolidation loan of all my federal loans and chose GL as the provider. They added on the old {$9000.00} from the PRIVATE loan to my consolidation loans and did n't tell me. Repeated attempts to find out why they added {$9000.00} to my federal consolidation loans have gone unanswered. <P/>This is a criminal act and needs to be looked into.
Consumer complaint received 2021-12-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (PA)

XX/XX/XXXX I purchased a car for my son at XXXX XXXX. He is stationed in XXXX XXXX NC and flew into XXXX PA to pick up the car and drive back for his personal use in North Carolina, he was here a day. GAP insurance was purchased at the time of sale through Toyota Financial. 
My son was in an accident XX/XX/XXXX and the car was deemed a total loss. The insurance company paid a total of XXXX, he had a XXXX deductible, there was a warranty refund of XXXX. The base vehicle value per the insurance company is XXXX after comparing it to comparables the car was devalued by XXXX. The car was a XXXX XXXX XXXX and the adjustments are wear and tear. After the adjustment, the cash value was XXXX. 

Toyota 's GAP department is attempting to say I am responsible for the XXXX. I have reached out to my insurance company and they have confirmed this is not a charge taht should be passed on to me. I have reached out to Toyota 's Gap dept XX/XX/XXXX and was told they revised their brochure XX/XX/XXXX and no where in the brochure did it state the GAP will not cover vehicle depreciation. Every one knows as soon as you drive off the lot the car value lessens. There was no negative equity from another vehicle tagged on to the balance of this loan. Toyota is refusing to honor the terms of the GAP agreement and I need assistance with resolving.
Consumer complaint received 2021-12-16
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: Possible Financial Inc (OH)

This is my second time disputing the following accounts : -XXXX XXXX XXXX XXXX XXXX # XXXX -XXXX XXXXXXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX I am not an attorney or third- party rep, there are accounts on my credit report that does not belong tome and believe that this is an act of fraud. I have a legal right to dispute anything on my credit report that I do not recognize.
Consumer complaint received 2021-12-16
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

This is my second time disputing the following accounts : -CAPITAL ONE BANK XXXX XXXX # XXXX -XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXXCAPITAL ONE  AUTO FINANCE # XXXX I am not an attorney or third- party rep, there are accounts on my credit report that does not belong tome and believe that this is an act of fraud. I have a legal right to dispute anything on my credit report that I do not recognize.
Consumer complaint received 2015-07-06
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

On XXXX XXXX, 2015 I deposited {$200.00} into the Fifth Third Bank ATM on XXXX XXXX XXXX XXXX, in XXXX, NC XXXX. During my deposit the ATM shut down while taking my money. I immediately went into the bank and explained what had occurred to the bank manager. The manager stated that the bank would give me a provisional credit in the amount of the deposit, which they did within the next business day. However, on XXXX XXXX, 2015 I checked my balance and found that the bank had debited back out the same amount. I called the Dispute Resolution Team at XXXX and was told that someone would give me a call. I received a call from the Dispute Resolution Team Member ( XXXX ) on XXXX XXXX. He stated they would view the video tape from the ATM during the time I made the deposit, and if it was observed that I was making a deposit into the ATM, then I would be again credited money back into my account. He stated I would receive a call back within XXXX hours, which would have been today, XXXX XXXX. I still have not received a return call.
Consumer complaint received 2016-01-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Adjustment Service, Inc. (TN)

Calling repeatedly from different numbers & when calling back the recording does not identify who the company is or what their purpose is. The debt they are trying to collect is more than I owed the company XXXX XXXX XXXX XXXX. I waited until the contract ended and paid the last bill, but XXXX had been giving me charges that were not comparable to other customers. They would not reason with me when charges were not owed. I feel that I paid XXXX more than what was provided as a service.
Consumer complaint received 2024-03-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Throughout my history with this account, I've consistently made timely payments, ensuring they never lapse into overdue status. I'm uncertain as to why there are reports of late payment remarks on my accounts. In accordance with 15 USC 1666b - Billing Error, these discrepancies should be rectified.
Consumer complaint received 2021-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Upstart Holdings, Inc. (NJ)

I paid my XX/XX/2022 installment payment in XXXX but I paid after my grace period which I got a XXXX late charge. When I made my payment I was told the late charge would be waived. Just recently I got an alert that I was reported 30 days late for a XXXX late charge is that even legal to report me delinquent for a late charge they offered to waive? I want to know why this happened and all calls are recorded so I would like them to pull the recording on why the agent neglected to tell me I was going to be reported late for a late charge they offered to waive
Consumer complaint received 2017-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On or about XXXX XXXX, 2017, I transferred balances from Capital One credit card to another bank due to their unfair, exorbitant APR. The bank in turn issued a check to pay off balance to Capital One. I called Capital One after I went online to view my account and verify that they had received the payment and it had been credited to my account, bringing the account to a " XXXX '' balance. I asked them to " CLOSE '' the account. The account is showing " Closed '' online when I go in to check my account and verify that it 's closed. However, Capital One has " refused '' to notify the 3 credit reporting agencies. The account is still showing " Open '' with a balance over {$6000.00}, at all 3 credit reporting agencies, XXXX, XXXX, and XXXX. I have spoken to Capital One and they have given me the " runaround '' treatment, putting me on hold over and over, and coming back with some nonsense about why this problem might be happening rather than admitting that they never informed these 3 agencies that my account is closed as required by law. This is typical Capital One tactic, angered that they can no longer " suck the life out of me '' with ridiculously high interest. Very unsavory, unethical, underhanded company. Also spoken to XXXX, faxed closure verification retrieved online. Submitted " disputes '' at all 3 agencies.
Consumer complaint received 2018-04-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (AZ)

Procollect Incorporated calls me at my phone number XXXX requesting payment of a debt for XXXX XXXX XXXX XXXX in the amount of {$2000.00}. I have repeated and told procollect Incorporated on 3 different occasions that I am not the person they are looking for - XXXX XXXX XXXX XXXX. today I spoke with XXXX XXXX at extension XXXX XXXX XXXX and XXXX XXXX at extension XXXX XXXX XXXX and they both told me that my phone number listed above was taken out of their system. I called back and asked the receptionist to research the account based on XXXX and my phone number is still associated with the person in which they are trying to collect a debt. 

Previously when I receive phone calls from procollect Incorporated, I let them know that this number was not associated with the person they are looking for and I was assured my phone number, XXXX, was removed from their system. I get called from their collectors about every month looking for the person above in relation to the debt they are trying to collect. I do not want to be receiving phone calls from procollect Incorporated anymore. 

I wish my phone number to be permanently removed from their system and to never receive a collection call from Pro Collect Incorporated ever again. 

I have the voicemail from todays phone requesting to contact me at my phone number.
Consumer complaint received 2022-09-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX Balance : {$290.00} ; XXXX XXXX XXXXXXXX Balance : {$660.00} ; XXXXXXXX XXXX XXXX Balance : {$660.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$710.00}
Consumer complaint received 2021-12-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (IL)

I, the consumer received a disrespectful debt collection letter from NATIONWIDE CREDIT , INC. attempting to collect a supposed debt. The debt collection letter stated that Nationwide Credit , Inc. is a debt collection company. With that being said, Nationwide Credit , IncXXXX are subjected to follow the 15 USC Subchapter V-Debt Collection Practices by LAW. Nationwide Credit , IncXXXX violated 7 laws multiple times within the Debt Collection Practices and are criminally and 15 USC 1692K civilly liable.
Consumer complaint received 2021-12-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

This account do not belong to me. Please remove the negative items as soon as possible they are hurting my credit. 

1. Identity Theft BK OF AMER Account Number : XXXX This is not mine.
Consumer complaint received 2021-12-16
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: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I found out there are some negative elements that are hurting my credit history, those elements do not belong to me. 1. XXXX Date of inquiry : XX/XX/2021 2. Collection Account NumbeXXXX : XXXX 1. XXXX XXXX XXXX XXXX XXXX XXXX A Account Number : XXXX
Consumer complaint received 2022-05-04
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: EQUIFAX, INC. (MD)

ACCOUNTS AND INQUIRIES WERE CREATED FROM UNAUTHORIZED USE OF MY SOCIAL SECURITY NUMBER AND CARD I DID NOT CONSENT TO AUTHORIZED NOR BENEFIT FROM ANY FOLLOWING PLUS THESE ARE OTHER NEGATIVE ITEMS CREATED UNDER MY SOCIAL SECURITY NUMBER. BLOCK AND REMOVE THEM.
Consumer complaint received 2021-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (GA)

Hello went to court for XXXX  XXXX where I was XXXX  and my XXXX I changed my name and to protect myself from my abuses. My first last and middle name was changed. my social security number and birthday stayed the same. My new name was added to public record by a person without authorization. I went to use my new credentials and they were added to my old name with out my permission. My phones and emails and banking was compromised in the past by my XXXX. this is how he would locate me. A person in the banking institution at his request put me social in and she added my new name to a database as an extension of his abuse. In the past her put me in a position where I could not live independent upon him. He damaged my privileges with every credit institution I can think of. Now this institution have my new name attached to old records which I didn't authorize please help.
Consumer complaint received 2021-12-16
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NV)

I have requested multiple times the unacquires be removed of my credit profile. This issue has limited my ability to seek employment, obtain credit, and I am not able to get loan and credit that qualifies to my personals because of this issue
Consumer complaint received 2022-05-04
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)

In Accordance with The Fair Credit Reporting Act : XXXX XXXX Account XXXX has violated my rights. 

In Accordance with The Fair Credit Reporting Act : XXXXXXXX XXXXs XXXX. Account XXXX has violated my rights. 

15 USC 1681 section 602A States I have the right to privacy. 

15 USC 1681 section 604A section 2 It also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2018-04-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (FL)

On XX/XX/XXXX, I contacted XXXX about a closed account from XX/XX/XXXX. XXXX had sent a collection to a collection agency, ERC, totaling {$200.00} without sending me any notification of the amount owed. After being shuffled around on their telephone help line four nearly an hour, I was finally able to talk to one of the associates who described the charge as a " early termination fee ''. This fee was assessed to my account after it had been closed, and the associate verified that the charge was inaccurate and that the account should be balanced after removing he credited my account the amount owed ( the confirmation number for this is # XXXX ). After I had received the confirmation number, I filed a dispute with the three credit unions, and all but XXXX were able to verify that the collection was not valid. I do have the file number for the XXXX dispute claim in which they conducted an investigation and found the claim to be valid.
Consumer complaint received 2021-12-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (MI)

I filed a complaint against my mortgage servicer, XXXX, related to issues with processing previous forbearance requests related to financial difficulties brought on by COVID 19. XXXX responded to my most recent complaint by correcting their systems to show my account in forbearance for the period XX/XX/XXXX- XX/XX/XXXX. Prior to XXXX correcting this issue and providing the full forbearance period, I made five full payments to my account. These payments were made only because of the failure by XXXX to respond to my additional forbearance requests. Now that the issue was corrected and my account was placed in forbearance for the period noted, I believe the payments made during the forbearance should either be credited consecutively to the months following my forbearance period i.e. XX/XX/XXXX- XX/XX/XXXX or my forbearance period should be extended through XX/XX/XXXX. If this correction is not made, I will not have received the full 18 month forbearance that I am afforded under the Cares Act and provided pursuant to the letter I received from XXXX on or around XX/XX/XXXX. 

In addition to this concern, my account still shows due for XX/XX/XXXX when I log in to my account on the website. Upon taking the requested actions, please also correct the way my account reflects on the website so I can see the true and accurate status of my account.
Consumer complaint received 2021-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (NJ)

I made a payment ( with consent of my spouse ) of {$1000.00} on XX/XX/2021 as per the XXXX XXXX generated by US Bank. The checking account used for making the payment is in my Spouse 's name. XXXX allowed me to payment without prompting any warning and/or error during the payment process. Also, system allowed me to add my spouse 's account as External account for making payment. 

All of a sudden now, US Bank decided to close my account and forfeit all the Rewards due ( {$500.00} promotional offer after spending {$3000.00} in 90 days ) since only cardholder 's checking account can be used as per Authentication department of US Bank. 

This is not acceptable - my spouse is not contesting the payment then why US Bank is having an issue. I use my spouse 's account for making payment for my other credit card like XXXX- they never raise an issue.
Consumer complaint received 2021-12-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP (CO)

On XX/XX/2021 I was advised the US Bank intended to close my personal account ( XXXX ) and was told that their Loss Management Department would have clear it first ( 2-4 weeks ). After being notified I asked them to cancel and return an EFT deposit in the amount of approximately {$5600.00}. Their Customer Service department told me it was rejected on XX/XX/2021. The branch stated the same. I have a recording of that conversation. I later discovered that it was not rejected but instead deposited and placed on " Hold pending Closure '' with no estimate on the date of closure. 


That is unacceptable as all funds deposited were by wire transfer from my Fidelity account and are now being held by US Bank pending their review. When I call the branch, they hang up. When I call the XXXX number, they refer me to the branch. The branch manager is using personal animosity to delay my access. 

As a result, MY businesses will no longer accept US Bank branded products for payment, per the sign at the registers, stating that " We have no faith in the integrity of US Bank. ''
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. 

The credit bureaus are required by federal law to respond within the statutory time range, but they have yet to do so. If you don't comply with the request, the things in question should be updated right away. Please remove the following.