davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-23
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NH)

I was laid off due to Covid and, as such, my family got behind on our mortgage. When I got a new job, I contacted my mortgage company to settle the outstanding $ XXXX balance in XX/XX/2021. Soon after contacting them my company sent me to Hawaii for several months to bolster fledgling agencies. My daughter moved into the house to keep an eye on it and most utilities, etc stayed in my name. 
Wells Fargo sent notarized paperwork to me to complete in Hawaii, but they sent it to the wrong address... twice. The third time they sent the documents they had already expired and I had to request a new set. The 4th time ( and over a month later ) I received proper documents, had them notarized, and sent back ASAP. I called a week later to see why my specialist hadn't called me with the results of the application to find she no longer worked there. I asked for a manager and was sent to XXXX, who I later found was not a manager at all. XXXX told me Wells Fargo made some huge mistakes with my documents regarding a problem with the notarized documents and he would personally have them corrected and follow up with me the next day. I never heard from him again, and was later told by XXXX XXXX there was no manager there who goes by XXXX. I then started working with XXXX XXXX who told me everything XXXX did with my account was unnecessary and it set me back several more weeks. At this point we are in XXXX and the program for my mortgage expired due to Wells Fargo 's negligence. I then spoke with XXXX XXXX mentoined everything XXXX started was unnecessary and she appeal the USDA 's decision and she said since it was Wells Fargo 's fault there wouldn't be any problems. She escalated the issue when I mentioned the CFPB, which is when XXXX in the president 's office ( I was led to believe ) got involved. XXXX got a message I was upset about how they wouldn't email me ( which I never mentioned ). I took the time to re-explain the problem for what must have been the 5th or 6th time, and she said there was nothing they could do when XXXX stepped in to explain the situation to XXXX who then apologized for the poor service etc and worked with XXXX to repair the damage the company had done. 
I received a call a week later from XXXX stating they have not made any mistakes and I don't reside in the home I own, despite starting the process while living in it, living there more than 9 of the last 12 months, paying current utilities, while having my daughter watch the house for us. I asked why they sent the paperwork to Hawaii 4 times if this was an issue, to which she didn't respond. I wasn't pleased with this decision and she sent my complaint to the president 's office ( this was the third time I've been told that ) and I got an email from them today saying they were looking into my complaint about email communication. I believe this crosses the line from negligence to actively operating in bad faith to obscure their negligence. Please let me know if there is anything I can do to help.
Consumer complaint received 2021-10-27
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: TD BANK US HOLDING COMPANY (NY)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XX/XX/XXXX Date of inquiry : XX/XX/2019 This is not mine. 

2. Identity Theft XX/XX/XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XX/XX/XXXXAccount Number : XXXX This is not mine. 

4. Identity Theft TD AUTO FIN Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XX/XX/XXXXAccount Number : XXXX This is not mine. 

7. XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2022-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC. (LA)

Exeter Finance has accepted arrangements for my car loan payments for XXXX, XXXX and XXXX of 2020. Under Section 4021 of the CARES Act, Exeter is to not report a payment on my account as late after agreeing to accommodations. They refused to stop reporting these payments even though I made all the payments according to the accommodation. All attempts to dispute this information through XXXX have resulted in the information continuing to appear in the account.
Consumer complaint received 2022-05-16
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. (CO)

There has never been any missed payments on my credit. XXXX had a system glitch and didnt process a payment. My credit went from XXXX to XXXX and i nor my mother XXXX XXXX has ever missed a payment
Consumer complaint received 2022-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

There has never been any missed payments on my credit. XXXX had a system glitch and didnt process a payment. My credit went from XXXX to XXXX and i nor my mother XXXX XXXX has ever missed a payment
Consumer complaint received 2022-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

My update account with XXXX XXXX, account number ending in XXXX has been sent to Experian, XXXX, and XXXX on XX/XX/2022. When i looked at my Experian credit report, they were the only company, to have an inaccurate balance on my report. the balance they have on my report is XXXX dollars when my is actually XXXX dollars.
Consumer complaint received 2022-03-23
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. (TX)

I have a problem with transunion. They are reporting someone else 's debt under my name. The are using a different social security number and birthday different than mine. I have called transunion on the phone for hours, I have mailed them proof with my passport, utility bill and other supporting documents. They do not want to help me, they sent me a letter saying that I'm working with a credit repair agency and they need to notify themselves first, this is a lie, I am trying to fix my own report, I do not have anyone helping me. I beleive they are just stalling because for some reason they want to keep posting the other person 's collections under my name.
Consumer complaint received 2022-05-16
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: Volvo Car Financial Services U.S., LLC (NY)

Volvo Car Financial Services ( VCFS ) offers a vehicle lease extension option on their website, for XXXX, XXXX, or 3 months. On XX/XX/XXXX, I selected XXXX and the automated response said I would hear back. 

When I did not hear back, I called VCFS today ( XX/XX/XXXX ). I was told they only extend leases when you have an order placed with a dealership. If that is the case, along with being a consumer-unfriendly policy, it is radically misleading to even offer the extension option on the website without this important qualifier. That is my first complaint. My attachments show the denial issued. 

Moreover, the VCFS representative told me on the phone I did receive a reply. I checked my email and recent voicemails. Had neither. But, it turns out, that yes, I did receive a denial via VCFS ' messaging platform. That messaging platform does not notify the consumer through any other means when you get a message. No email to say " you have a secure message '' or anything of the sort. Had a not followed up with VCFS, I never would have known. That would be my second complaint.

I am also attaching the full message history via VCFS ' " secure messaging '' which shows that the denial was made without my providing a single fact and was a denial that appears consistent with Volvo 's maintaining a policy of no extensions. I am also attaching a screenshot of the message I got when submitting an extension request ( for the purposes of this complaint, I just requested another extension via the website ), that suggests I'll be hearing back in 48hrs.
Consumer complaint received 2021-10-27
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: Resurgent Capital Services L.P. (AR)

once again XXXX XXXX  and lvnv are in collusion with each other to collect unlawfull debts while breaking the DODD FRANK ACT.
Consumer complaint received 2017-08-21
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. (TX)

I have tried a number of times to resolve this issue with the creditor XXXX to no avail. They are reporting 6 late payments on each one of my 3 loans out of their office from the months of XX/XX/XXXX causing me to have 18 late payments reporting on my credit report despite any proof that I was in the repayment phase of my loan. According to official records obtained from the National Student Loan Data System there is nothing to show that I was in the repayment phase for the period of time reporting late. On the contrary, the NSLDS documents show that I entered repayment XX/XX/XXXX and forbearance the very next month XX/XX/XXXX where my account status remained until XX/XX/XXXX when my account went into repayment status again. This information is verified and supported by my account activity pulled from XXXX XXXX website ( which i have attached to this complaint ). Under Fair Credit Reporting Act Section 623 XXXX has a responsibility to furnish accurate information, investigate claims of inaccuracies, and update information determined to be inaccurate. I have included an excerpt of the section of the FCRA that has been violated by the inaccuracies being reported by XXXX. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the ad- dress specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information. ( 2 ) Duty to correct and update information. A person who ( A ) regularly and in the ordinary course of business furnishes infor- mation to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determi- nation and provide to the agency any corrections to that infor- mation, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate.
Consumer complaint received 2022-10-27
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. (MI)

According to the Fair Credit Reporting Act the following accounts have violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX The Fair Credit Reporting Act shows several laws being broken here 15 U.S.C 1681 section 602 A : states that I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CT)

Credit Inquiries were made on my behalf without my permission. Ive submitted this information to all card companies. There are multiple inquiries from the same companies. Companies are XXXX, XXXX XXXX XXXX, XXXX, EXPERIAN XXXX XXXX
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

XX/XX/2024 XXXX XXXX XXXX XXXX and XXXX XXXX pulled my credit without my authorization on XXXX, Experian, and XXXX and shows up as hard pulls, I didnt request this. Also on XX/XX/2024 XXXX XXXX XXXX XXXX pulled my credit without my authorization on XXXX, Experian, and XXXX and shows up as hard pulls, I didnt request this.
Consumer complaint received 2022-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

* called Capital one on XX/XX/2022 I extended my consumer credit to Capital one and they violated me and broke the law when they recently RESTRICT both of my capital one accounts without my permission and / or consent. 
Restrict- limit something, especially an activity, to ( a particular place, time, or category of people ). 
Let it be known I am the original creditor When I called capital one and spoke with XXXX manager of the fraud and dispute department at Capital One, she told me both of my accounts were CLOSED. Her ID reference number : XXXX XXXX of Capital One could not give me a complete and accurate reason as to why my account was closed. 
Closed - to deny access to ( XXXX dictionary ) This is deceptive, and unfair debt collection practices. To restrict and to close are two different actions. You cant do two actions it is either one or the other. These action can not not be acted on without the original creditor consent. 
She ( XXXX XXXX stated you violated the bank terms and conditions she could not tell me exactly what the violations was she said it was the banks decision. How can a bank which is an elaborate mechanism with no real standing or authority make a decision based off my extended consumer credit. Once my credit was ran by Capital one, they gain access to the trust and became the appointed trustee. I am the beneficiary and this action from capital one do not benefit me. When the trustee actions dont benefit the beneficiary its FRAUD. 
So where is the Proof? If I violated their agreement wouldnt it make sense to show me where in the agreement? 
Instead I got a I dont have access as to why your account was close and I dont have any other person you can talk to Im the higher -XXXX  response. 
Capital One which is a Fictitious entity can not make decisions based on my extended credit its prohibited by federal laws.
Consumer complaint received 2022-03-23
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: EQUIFAX, INC. (NC)

I mailed a to the creditor XXXX XXXX to validate the debt and remove the inaccurate information under my account. The letter is to REMOVE those late payments reflected on my credit report because they were all agreed upon by the creditor. In other words, I called and informed the creditors and asked NOT to pay during those months until I was able to get back on my feet. Once I did I paid all those late payments and up to current, I haven't been late ever since. We have an agreement in writing that my account will be put into their XXXX XXXX  XXXX on XX/XX/2019 which gave me several months of deferred payments.
Consumer complaint received 2022-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

I spoke with experian and XXXX today which is XX/XX/XXXX about some negative inquiries that are reporting on my credit report and they did nothing to help but give me a hard time. 

XXXX : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, experian : XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX,
Consumer complaint received 2022-03-23
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: Experian Information Solutions Inc. (AL)

On XX/XX//2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.
Consumer complaint received 2015-05-28
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Caliber Home Loans, Inc. (FL)

I have been trying to get my mortgage service r to explain to me for 9 months why i owe more money then was agreed to when i modified the mortgage. They have hit me with force-placed insurance multiple times totaling XXXX even after i have shown them time and time again that i have insurance policy with my Home owners association. They keep saying they never got the policy that i sent them. They have also hit with Attorney fees as recent as XX/XX/XXXX. The total i owe them for differed interest is listed on the attachment i am sending you with this complaint. XXXX. This is the agreed terms of the modification. They are claiming i owe them XXXX. In addition to that they want {$2600.00} for the force-placed insurance. Now they have sent me letters that they have sold the mortgage again. I have reason to believe they are doing this to complicate matters further.
Consumer complaint received 2022-10-27
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: EQUIFAX, INC. (MI)

According to the Fair Credit Reporting Act the following accounts have violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX The Fair Credit Reporting Act shows several laws being broken here 15 U.S.C 1681 section 602 A : states that I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2018-07-16
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: AVANTE (WA)

There are multiple companies reporting a debt that was incurred while I was living in a different state and someone else obbously used my info to go to the er The companies are Avante XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-17
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc. (MD)

Back in XXXX My ex husband XXXX XXXX XXXX, ran off to North Carolina with my car never to return. I requested the aid of XXXX, the Police and the DMV with help on this matter. XXXX said that theres nothing they could do unless i waited on payment to have the car repossessed. The police said there is nothing they could do because Virginia is a " whats yours is mine state ", and anything bought during the marriage is equally accessible by both parties, and i could not press charges on him for theft. And the Dmv they did help they helped me cancel the registration and tags on the car. 

By way of social media i was able to track down my ex husband and the car and sent the location to XXXX XXXX- the car was eventually found on or around XXXX. 

I followed up to see how i could obtain the car if at all financially feasible I was told the car was reposed and then taken for an Auction for the remaining balance owed on the car. 
Which means I should not owe anything on the car. 
All the information provided is incorrect on my credit report.
Consumer complaint received 2021-10-27
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: Bread Financial Holdings, Inc. (FL)

I contacted Express ( XXXX Bank ) in regards to me having to temporary deploy late XXXX of XXXX. I submitted XXXX XXXX over showing that I was out of country. I asking due to XXXX Sailors Act could they honor the late payments due to me not having access to pay the interest that occurred on the account. I received a denial for that. 

On XXXX of XXXX I was diagnosed with XXXX. I submitted documents stating that due to being hospitalized I could not make payment. They still placed a late payment to my account and told me unfortunately they could not waive the late annotation on my credit report.
Consumer complaint received 2019-01-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One advertised {$500.00} bonus if $ XXXX was deposited in to their account. Specific wording : $ XXXX in total deposits by XX/XX/XXXX, Deposits totaling $ XXXX were made on the following dates : XX/XX/18 - $ XXXX XX/XX/18 - $ XXXX XX/XX/2018 - $ XXXX There were some withdraws in that period. The offer never said that $ XXXX had to be in the bank account at any one time. Only $ XXXX left until the XX/XX/XXXX.