davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-31
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: WELLS FARGO & COMPANY (FL)

I made several request to have information reported on the credit report corrected due to COVID-19. Accounts with XXXX XXXX and XXXX report my accounts as being 30 to 60 days past due during the COVID-19 Pandemic. I made a request for hardship agreement with the creditors to have my payments deferred. I submitted proof of the agreement. The Creditors report my Account Payment History as being past due some XX/XX/XXXX andXX/XX/XXXX. I agreed to make payments during our agreement and complied by paying the account off in its entirely. The Creditor XXXX XXXX and XXXX continues to report the account past due when the accounts were brought current and some paid off. 

According to CFPB, If an agreement is made while your account was already delinquent and your " BRING YOUR ACCOUNT CURRENT '', the creditor " MUST REPORT YOUR ACCOUNT IS CURRENT ''. The account with XXXX was brought current and the account history still reports as 30 days late. For XXXX XXXX, my accounts were paid off in full and they still report the accounts as being 30 days late for XXXX and XXXX. 

In regards to " Timing '' the Cares Act Amends section 4021 covers consumers from XX/XX/2020 to 120 days after the Pandemic.  Although the Cares Act was not signed until late XXXX, the covered period begins retroactively from XX/XX/2020. Although I was effected since XX/XX/2020, the above creditor did not start offering agreements and taking applications until XXXX. 

Although it is clear that the effective date for COVID-19 relief was XX/XX/2020, the creditor are not complying with the policy even during the month the president signed the Act XX/XX/XXXX which is still being reported as last on my account. 

As a XXXX military and military spouse, this has case an effect on our family in obtain a VA Mortage and to loose out on the opportunity of purchasing a home. 

I have attached the policy and rules regarding the above.
Consumer complaint received 2022-03-03
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. (TX)

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2021-02-13
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: Specialized Loan Servicing Holdings LLC (CA)

The mortgage service company, Specialized Loan Servicing, their website, https : //www.sls.net/, mistook reporting to my credit report that I have Forbearance/ Natural Disaster/ Deferred. However, I have paid my mortgage on time every time and I never apply for any Forbearance/ Natural Disaster/ Deferred for the mortgage. I had request from their website to correct the wrong information XX/XX/2021 XXXX XXXX. They respond they will review. Because I am refinancing my mortgage, so I called them XX/XX/2021, to request them correct the record and send me an E-mail or Letter to address I have never in Forbearance/ Natural Disaster/ Deferred. I need the letter to the refinancing lender. Their employee had confirmed I don't have any Forbearance/ Natural Disaster/ Deferred and will send me a letter and E-mail. However, I don't receive any letter and they still don't correct my credit report.
Consumer complaint received 2022-07-23
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Mr. Cooper Group Inc. (OK)

XX/XX/2022 I dispute this debt in its entirety. 
I do not authorize your company to purchase homeowners insurance for my home, and I will not reimburse you for any insurance payments for any reason. 

Your company, RightPath, has not validated any debt that concerns me. Your Consumer Financial Protection Bureau ( CFPB ) form letter response submitted on XX/XX/2022, within twenty-four ( XXXX ) hours of my CFPB dispute and complaint on XX/XX/2022, states that you completed an investigation that validates a debt. The few photocopies of random numbers and meaningless abbreviations that you attached in your response prove nothing that concerns me but are an attempt to deceive and confuse a consumer. 
The charged-off loan you referenced contained acts of fraud and violations of federal real estate laws from its inception and throughout, and was closed on XX/XX/2022, by the previous loan servicing collection agency, XXXX XXXX XXXX XXXX In my CFPB dispute/complaint to your company on XX/XX/2022, I stated that the fraud and violations had been addressed in my previous CFPB complaints to XXXX XXXX  XXXX XXXX That is why they charged it off with a XXXX balance. I have documentation that substantiates my statements. Rather than conducting a thorough investigation of this fraudulent closed loan, where the fraud and violations were blatant, you have chosen to ignore my CFPB complaints to RightPath and XXXX XXXX XXXX and attempt to perpetrate the fraud by attempting to extort money from me, while attempting to abuse and intimidate me with suggestions of my credit being negatively affected and continuing with pre-foreclosure on my home.
Consumer complaint received 2021-11-11
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: CAPITAL ONE FINANCIAL CORPORATION (CT)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.
Consumer complaint received 2021-05-09
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. (MD)

DateXXXX XXXX, XXXX CompanyXXXX, XXXX XXXX XXXX, XXXX AddressXXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, DC XXXX Request Originator DateSep XXXX, XXXX CompanyXXXX, XXXX XXXX XXXX, XXXX AddressXXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, DC XXXX Request Originator Has put hard inquiries on my credit report without my knowledge or approval. Tried to dispute it and they obviously provided some fraudulent paperwork to substantiate it. They have done this twice in the last two years
Consumer complaint received 2022-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX Balance : {$3600.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened:XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$340.00}
Consumer complaint received 2020-07-31
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A. (PA)

On XX/XX/20, I filed a complaint with CFPB against PNC Mortgage compliant ID XXXX. 

On XX/XX/20, I received a phone call from PNC, stating that I was on a RECORDED LINE and the lady wanted to speak to me regarding my complaint with CFPB. I ask why are you calling my home and anything that you want to speak to me about should be put in writing and submitted to CFPB. I also stated that when I tried to resolve this issue no one wanted to speak to me and was passed around to different people like a basketball!! 

I REQUESTED THAT PNC, NOT CALL MY HOME AGAIN AND TO SUBMIT THEIR RESPONSE THROUGH CFPB. 

PNC TRIED TO RECORD ME!! 
I want it on paper in case I need an Attorney to get this issue resolved
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.
Consumer complaint received 2024-05-26
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. (AR)

I reviewed my consumer reports and noticed that I have two late payments on an account that I was never late for. The consumer reporting agencies have assured a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account that I have included in the screenshot inside this complaint. On the dates of ( XX/XX/year>, XX/XX/year> ), please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please view screenshot attached.
Consumer complaint received 2022-03-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have no knowledge of these inquiries. I didnt fill out these applications and never signed off on any of these. I am a victim of Identity fraud. I spoke to a rep from XXXX, transunion, and XXXX on the phone today and they were not able to help me through this, so I told them I would reach out to you all. 

XXXX XXXX : inquiries XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Transunion account inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-01-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources (FL)

I do NOT recognize this alleged debt from XXXX. Is that the XXXX XXXX Acronym? 
I have NOT had this account ; I do NOT owe this debt. 
I have NOT been notified by the Debt Collector I owe this UNtrue debt. 
It is impacting my good Credit file negatively & Unfairly.
Consumer complaint received 2024-04-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: PNC Bank N.A. (MD)

Im not sure why PNC continues to call me. Since signing the new modification effective XX/XX/2024, PNC has contacted me several times on XX/XX/2024, XX/XX/2024, XX/XX/2024, XX/XX/2024, XX/XX/2024, XX/XX/2024, XX/XX/2024, and XX/XX/2024 when I have been making my monthly payments. PNC has a 15-days grace period policy to make monthly mortgage payments on the website. Late fees will be assessed on the XXXX day of the month. I have been harassed by PNC for whatever it is when Im making payments. Payments are disbursed from my credit union account with the expectation for PNC to receive payment by XX/XX/XXXX and XX/XX/XXXX. I would need PNC to confirm the dates payments were received from my financial institution. I also need to know, if there is 15 days grace period, why is PNC contacting me every week? Why is PNC reporting false information to the three credit bureaus that my payments are late, causing my credit score to decrease when there is 15 days grace period? 

In addition, after sending PNC the signed modification documents, they sent me additional documents stating the signed documents received the signature and the notary was in the wrong place or signed incorrectly. I will not be signing any additional documents because I went to a legit notary at my financial institution, and she has signed my documents before. Until PNC reduces the monthly payments back to my original monthly payments, which was {$1300.00}, as I have expressed before, the {$1800.00} per month is not affordable. It is PNCs obligation when applying for modification to make affordable monthly payments to prevent losing the home. I will probably consider resigning the documents for a $ 1300 monthly affordable payment.
Consumer complaint received 2021-10-22
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 (PA)

I Have been seeing this account on my credit report, But this account dose not belong to me and i dont know why its showing up on my account. I have an actual account with the same people and MY account is in good standing and is alway paid I wasnt aware you could have 2 credit cards from the same place.. this account is unauthorized, and I do not know anything about it.
Consumer complaint received 2021-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (PA)

i have send multiple challenge letters to verify and validate the 100 % accuracy of the reporting of this account. They have never sent me a wet signature copy of the contract ... they never send me all of the documents that by law are required during a repossession process. they never send me the letter that i have the option to buy back the car per example ... this is a clear violation of my rights..XX/XX/XXXXcould not prove this debt was mine nor is it reporting 100 % accurately not 99 % or 80 % so they deleted it ... my understanding is that the other bureaus should follow suite as this is a violation of the law they are required to follow ... i am attaching a copy of my report ... look at the date of last active between XXXX and XXXX..this account has obviously been reaged another violation
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (TX)

I currently have 2 closed credit card accounts with Navy Federal Credit Union that have been closed since XXXX. However. Both accounts are still reporting new late payments monthly to all 3 credit reporting agencies ( XXXX, XXXX, experian ). Not only are they reporting new monthly late payments on closed accounts but they are not reporting correct and complete information to all 3 CRAs. For example. There are multiple open dates, last active dates, last date of payments ect showing for each CRA. I will attatch a screenshot from Identity Iq showing late payments from XXXX as well as alll of the inconsistencies between the bureaus thats being reported. As well as an invoice for each violation and innacurate and/or inconsistent item furnished on each CRA. Ihave reached out to Navy Federal Multiple times about having the accounts removed as well as all 3 credit reporting agencies.
Consumer complaint received 2022-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

RE : ACCOUNT NUMBER XXXX XXXX XXXX I qualified for Public ( Student ) Loan Service Forgiveness and my student loans were forgiven by XXXX XXXX on XX/XX/2022. 

However, in a previous correspondence/letter, XXXX XXXX ASSURED ME that XXXX XXXX will be reporting my forgiven consolidated amount of XXXX to the XXXX Credit Bureaus as `` PAID IN FULL ''. 

THIS IS NOT THE CASE. XXXX XXXX is wrongly reporting to the Three Credit Bureaus as " PAID.CLOSED ''. PAID/CLOSED COULD BE FOR DIFFERENT REASONS, BUT PAID IN FULL IS WHEN THE ACCOUNT IS PAID IN FULL TO XXXX XXXX XXXX THE DIFFERENCE BETWEEN " PAID IN FULL '' AND " PAID.CLOSED '' IS HUGE. If XXXX complete their obligation to Report my XXXX loans to the three credit bureaus as " Paid In Full '', then my credit score will be increased. When XXXX XXXX is reporting that my newly consolidated student loans are ONLY " PAID.CLOSED '', that reflects negatively on my credit score, because XXXX does not direct the three credit bureaus that my student loans are FORGIVEN OR PAID IN FULL BY THE GOVERNMENT. 
THIS IS WRONG. 
See the following explanation by XXXX : " The Difference Between Closed and Paid-in-Full. - Revolving accounts, like credit cards, are referred to as " closed '' when the account can no longer be used to make charges.Credit card accounts will show " closed '' with no balance rather than " paid in full '' so that there is no confusion about whether the account is open to new charges. Paid, '' or " paid in full, '' is the term applied to installment accounts, like car loans/student loans, after the last payment is made and you have completed repayment of the loan as agreed. XXXX XXXX, XXXX XXXX  XXXX ''
Consumer complaint received 2021-10-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WSFS FINANCIAL CORPORATION (PA)

XX/XX/2021 {$600.00} XX/XX/2021 {$200.00} XX/XX/2021 {$50.00} XXXX XXXX took these amounts from my bank wsfs. Turned it in to both companies. I need my money back ASAP.
Consumer complaint received 2024-04-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX jacked up my interest rates for unjust cause XX/XX/XXXX wiped out all my statements off line, when I disputed the interest rates after discovering this XXXX XXXX tried to say I reported my card lost or stolen which I did NOT DO. THEY DELETED THE OLD ACCOUNT NUMBERS AND ADDED NEW UNFAVORABLE TERMS AND CONDITIONS ON MY CONSUMER REPORT. AFTER TRYING TO MAKE A GOOD FAITH PAYMENT XX/XX/XXXX. XXXX XXXX refused my payment after holding it for a business week. Returned the uncashed check to me and reported to the consumer reporting agencies Trans Union and XXXX that I was late in XXXX which I had already filed in Arbitration with XXXX. End of XX/XX/XXXX. They closed my account reported 180 days late and charged off the account and reported the account was reinvestigation complete by furnisher XXXX XXXX which was not and is still in dispute with Arbitration and Federal courts. But they still refuse to correct the inaccurate information that they report for over two years in dispute and refuse to correct or fix the lies and incorrect, inaccurate, incomplete information on my consumer reports. This is a travesty of injustice and misleading and should never have gotten to this point as the CRA s will not look into any furnisher or subscriber of theres to fix or corrects this matter of inaccuracies. They need to be punished
Consumer complaint received 2023-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (CO)

Made a payment on the date of Friday XXXX XXXX XXXXXXXX XXXX. My loan payment was due on XX/XX/2023 they put in Monday and made my car loan payment late. I made my payment two days before it was due. In summary the monthly statement doesn't include the processing time as to how the payment will be entered into the payment system.
Consumer complaint received 2022-03-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc. (MD)

A previous claim # XXXX was filed on my behalf by my Identity Theft insurance provider, XXXX XXXX XXXX from XXXX but because it didn't come directly from, it was rejected by CFPB. Please open a new case based on the following description : On XX/XX/XXXX, my laptop was locked with a recurring message to call a number to XXXX which I did. The imposter XXXX rep claimed that my XXXX XXXX accounts had been hacked without success and no withdrawals had been made. But to insure security, they needed to open up a consolidation account with Binance, US. Before I realized this was a hoax, I had provided my driver 's license number to the impersonating XXXX and his alleged XXXX XXXX accomplice and they attempted to open up a Binance US account in my name. I even got a code email from Binance US that was a step in the account initiation process. 
I have never received a confirmation from Binance US whether an account was opened in my name or not and if it has, I want the account closed. 

Please investigate and advise. 

My Email is XXXX and my cell is XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 
XXXX XXXX, MD XXXX XXXX
Consumer complaint received 2020-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Colony Brands, Inc. (IL)

I have been a with XXXX XXXX customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payment on the above referenced account ( XX/XX/XXXX ). Since that time I have been an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.