davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-15
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (AZ)

As of approximately XX/XX/XXXX, I entered into a VA forbearance option with M & T bank due to financial difficulties caused by the XXXX pandemic. The Loan Servicer M & T bank accepted my request and outlined the process for the forbearance to include maximum duration of up to 1 year. The forbearance process also identified multiple paths to exit forbearance which were available to me as a home owner, one of which was called deferment. From M & T banks process definition, I would simply communicate my intentions to keep the property and resume regular payments before the 1 year period. Once I communicated my intentions, M & T would send new loan addendum paperwork requiring my signature. Once the new loan paperwork was received by M & T, loan payments would resume as normal and the balance of payments paused during the forbearance period would be allocated to the end of the loan period extending the length of the loan equal to the loan forbearance. 
On XXXX, XXXX I communicated to M & T to start the exit process for the forbearance and enter into regular payments which 1. ) allocated all payments paused during the deferment period to the end of the loan period and 2. ) allowed me to resume regular payments for the duration of loan period as normal. ( My forbearance period was from XX/XX/XXXX through XX/XX/XXXX where XX/XX/XXXX was the date I started making payments per direction from M & T bank ) On XX/XX/XXXX, M & T bank sent me multiple documents identifying the new terms of the loan according to the forbearance plan to sign and send back for recording. From XXXX, XXXX through XXXX, XXXX M & T bank sent multiple copies of identical loan documents which I identified and communicated as redundant in nature. Nonetheless, I signed and mailed said document ( s ) back to M & T with a final copy sent on XXXX, XXXX time frame. 
During the entire forbearance exit process starting XXXX, XXXX, M & T bank has verbally communicated they have a back log of loans transitioning out of forbearance into regular payment status and can not process my exit request. Ive resumed payments on-time in the full amount starting XXXX, XXXX to present ( XXXX, XXXX ) and are still unable to obtain regular account status with M & T bank. From XXXX, XXXX to present ( XXXX, XXXX ), M & T bank has kept me in a forbearance status equal to 8 months in duration. In total, my mortgage account has been in a forbearance or default state for almost 2 years. All payments paid to M & T bank from XXXX, XXXX to present have been deemed unallocated per M & T banks billing statements.
Consumer complaint received 2022-04-15
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: HYUNDAI CAPITAL AMERICA (SC)

Calling before XXXX and after XXXX. I have asked them to stop calling before XXXX but each rep will just this is an attempt to collect a debt. They will call me 4 times a day or more back to back every 2 hours. I spoke with a rep last Friday on XX/XX/2022 @ XXXX. And told her the vehicle has been traded to a dealership and they have to wait for a check from the dealership. It was a brush like okay well we are still going to call you. Today XX/XX/2022 Kia Finance has call 4 times or more every two hours this is nonsense and its harassment.
Consumer complaint received 2023-06-26
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. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-04-15
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. (MD)

On XXXX, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I still have not received the correct respond yet. I have asked numerous times for your company to send verifiable proof which is an ORIGINAL CONSUMER CONTRACT WITH MY SIGNATURE ON IT!! I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is stated that a failure to investigate these items in 30 days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigations due to the stress you have cause me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-04-15
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. (TX)

1. Amount of debt reported as owed is unverified 2. Inaccurate unverified and missing payment dates reported 3. Inaccurate unverified and missing payment amounts reported 4. Unverified reporting of address associated with the account 5. Request for documentation of a original consumer contract being signed agreeing to the debt have gone unverified. 
6. On XX/XX/22 The credit bureau was supplied A police report and identify theft were supplied verifying l did not authorize this account and it was acquired without my knowledge or concerns. 
7. Each requests for valuation of the debt have gone unverified.
Consumer complaint received 2024-01-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (NE)

I have power of attorney over my mom 's accounts and whenever I show this power of attorney to Wells Fargo they do not respect it and make me set up an appointment to come in and get added to the account my mom has XXXX and she routinely closes accounts and sets up new accounts so they make me come in and do this every time she sets up a new account and power of attorney gives me full access to her accounts I should not have to go through this process every single time she sets up a new account I should be able to walk in and show them my documentation and get access to her bank statements this is very important because she is on XXXX and I need this information to renew her XXXX so that she does not get kicked out of her assisted living facility
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Identity Theft! There are accounts in my credit report that are not mine. I do not have a record of doing business with these companies. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2022-04-15
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)

On XXXX, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I still have not received the correct respond yet. I have asked numerous times for your company to send verifiable proof which is an ORIGINAL CONSUMER CONTRACT WITH MY SIGNATURE ON IT!! I feel like I am being taken advantage of and being ignored of my disputes. Section 611  ( a ) it is stated that a failure to investigate these items in 30 days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigations due to the stress you have cause me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-04-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX wont delete fraudulent inquiries on my credit report police report was sent and affidavit, inquiries are XXXX card svc XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX financial XX/XX/XXXX, XXXX card XX/XX/XXXX, XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-04-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (TX)

I was on a covid forebearance. On XX/XX/21 I was notified during my call to Flagstar Bank that I qualified for an ALM and was given the new monthly payment and interest rate. I was told the paperwork would be sent to me soon and for me to continue making my payments until then. To this date I have never been given the paperwork for my loan modification. I call Flagstar every 2 wks and am told each time that it is pending with " underwriting '', not to worry that I am still protected from foreclosure, etc etc but the collection calls and letters continue and I don't understand why I have not been given the paperwork to begin the terms of my new mortgage. In one of the many calls I was advised I was not approved for an ALM but a regular modification but the reason why was not explained. In another call I was advised that this loan modification has actually been approved since XX/XX/21 ( I was not notified until I called on XX/XX/21 ) so I can not understand why it's taken 6 months to receive my new loan agreement. My family is struggling during this difficult time and it is especially stressful to have no written documentation of what I'm being " promised '' over the phone.
Consumer complaint received 2017-09-05
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. (AL)

I have refinanced my auto loan from XXXX XXXX in the amount of XXXX and it 's still showing on my credit report. I have refinanced the vehicle through XXXX in order to get a lower interest rate in the amount of XXXX and with this taking place it has lowered my credit store drastically of about 100 points because it 's saying I have roughly XXXX in auto loans which is not true because I just refinanced and I was wanting to know how to fix this and get my credit score back to what it was
Consumer complaint received 2022-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

I sent a letter to the credit bureaus ( XXXX, XXXX and Experian ) on XX/XX/2022 and they received each letter on XX/XX/2022 to remove incorrect addresses, phone numbers and past employers. I also sent a copy of my social security card, ID and proof of address which was on my ID and an Electric bill showing my address. It's been over 30 days and the incorrect information is still on my credit report. 

according to 15 U.S. code 1681i- procedure in case of disputed accuracy, the bureau failed to complete a proper investigation of my personal information and violated the FCRA XXXX
Consumer complaint received 2022-04-15
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. (CA)

Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.
Consumer complaint received 2024-01-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I am requesting the removal of an account from my credit report as it has been more than 7 years since the charges were made. However, the date on my credit report is inaccurate, stating XXXX as the year of the charges. The charges were a result of XXXX XXXX, which affected me and forced me out of my home during the period when the charges were made. The amount charged was {$490.00}, but this is incorrect as the company added frivolous charges. The actual amount charged was only {$200.00}. Despite my attempts to explain the situation to the company in XXXX, they continued to charge me without understanding the circumstances. I can provide documents as proof that I was affected by XXXX XXXX at the time. The account is set to be removed from my credit report in XXXX, but it should be removed in XXXX.
Consumer complaint received 2022-02-25
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: TRUIST FINANCIAL CORPORATION (FL)

This is NOT a duplicate complaint! This is a new complaint! DO NOT CLOSE COMPLAINT BEFORESHEFFIELD FINANCIALAND CFPB INVESTIGATION IS COMPLETED!! This attached documentFINANCIALLY SETTLEDwas notarized XX/XX/2022 this week and certifiedmail toSHEFFIELD FINANCIALthe same day! Exhibit XXXX  XXXX  contract VIN # XXXX, for slingshot Make : XXXX XXXX. Please respond to attacheddocument.
Consumer complaint received 2022-04-15
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. (NC)

Improperly shared information with a third party about my medical/dental debt and services. 
FCRA ( Fair Credit Reporting Act ) section 609 ( c ) ( 2 ) ( E ) requires the removal of derogatory information that can not be verified. The account can not and have not been verified. My previous disputes with the 3 agencies have been ignored to date. Please provide a FULL CONSUMER FILE DISCLOSURE. 15 U.S.C. Section 1681g ( a ) ( 1 ) for verification of debt and material facts supporting reporting.

The account has not been verified and no HIPAA release has been provided to me for any of the medical debt and reporting of radiological services. The HIPAA privacy rule requires a " business associate '' ( collection agency or billing firm ) to reasonably limit the amount of information disclosed for such purposes to the minimum necessary as well as to abide by reasonable requests for confidential communications. HIPAA Regulations, the Privacy Rule requires an Associate to enter into a partner contract containing specific requirements with an Associate prior to the disclosure of PHI, as set forth in, but not limited to, Title 45, 164.502 ( e ) and 164.504 ( e ) of the Code of Federal Regulations ( CFR ).

Pursuant to 15 USC 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- such financial institution clearly and conspicuously DISCLOSES to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Notice, congress said that the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The fact that I was never given an explanation of how I can exercise that nondisclosure option is immediate grounds for removal.

REMOVE ACCOUNTS IN HIPAA VIOLATION : XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$87.00} XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX {$520.00} XXXX. ) XXXX XXXX XXXX  XXXX XXXX {$100.00} XXXX. ) XXXX XXXX XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$500.00} XXXX. ) XXXX XXXX XXXX XXXXXXXX XXXX {$500.00} XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$360.00}
Consumer complaint received 2023-06-26
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. (VA)

This is my NUMEROUS 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 items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-15
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. (NC)

Improperly shared information with a third party about my medical/dental debt and services. 

FCRA ( Fair Credit Reporting Act ) section 609 ( c ) ( 2 ) ( E ) requires the removal of derogatory information that can not be verified. The account can not and have not been verified. My previous disputes with the 3 agencies have been ignored to date. Please provide a FULL CONSUMER FILE DISCLOSURE. 15 U.S.C. Section 1681g ( a ) ( 1 ) for verification of debt and material facts supporting reporting.

The account has not been verified and no HIPAA release has been provided to me for any of the medical debt and reporting of radiological services. The HIPAA privacy rule requires a " business associate '' ( collection agency or billing firm ) to reasonably limit the amount of information disclosed for such purposes to the minimum necessary as well as to abide by reasonable requests for confidential communications. HIPAA Regulations, the Privacy Rule requires an Associate to enter into a partner contract containing specific requirements with an Associate prior to the disclosure of PHI, as set forth in, but not limited to, Title 45, 164.502 ( e ) and 164.504 ( e ) of the Code of Federal Regulations ( CFR ).

Pursuant to 15 USC 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- such financial institution clearly and conspicuously DISCLOSES to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Notice, congress said that the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The fact that I was never given an explanation of how I can exercise that nondisclosure option is immediate grounds for removal. 


REMOVE ACCOUNTS IN HIPAA VIOLATION : 1. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$87.00} XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX {$520.00} XXXX. ) XXXX XXXX XXXX XXXXXXXX XXXX {$100.00} XXXX. ) XXXX XXXX XXXX XXXXXXXX XXXX {$480.00} XXXX. ) XXXX XXXX XXXX XXXX XXXX {$500.00} XXXX. ) XXXX XXXX XXXX XXXXXXXX XXXX {$500.00} XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$360.00}
Consumer complaint received 2017-09-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (SC)

ERC removed a debt for {$680.00} on my credit report and has now resubmitted it on XXXX XXXX XXXX. I have contacted them to let them know that this debt does not belong to me. They say that they are working with XXXX to collect this debt. They sent me a verification of the debt but did not provide me any documentations such as a signature showing that this is my debt. They are ruining my credit profile and I am currently trying to buy a house. This has been beyond belief and this item is damaging my reports.
Consumer complaint received 2015-04-18
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO. (FL)

Chase Freedom Reward Credit Card / Amazon.com Reward ( provided by JPMorgan Chase & Co. ) Chase decided to close my credit card accounts. At the time of the account closure, I had more than {$200.00} in rewards balances. Chase did not refund to me, nor apply the rewards balance to the balance on the credit cards. Chase " forefeited '' the value of the rewards account. I now owe Chase ~ {$270.00} for the balances on the account. Chase is unwilling to apply any rewards value to that balance. 

I imagine there are a significant number of potential class members who have had their Reward balance " forfieted '' when their account is closed.
Consumer complaint received 2022-04-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (MI)

In XX/XX/XXXX, my identity was stolen and someone tried to purchase a XXXX phone in my name. A police report was made, contacted all credit bureaus and am fraud alert was reported to XXXX. XXXX apologized and the debt was immediately removed from my credit reports. 

On XX/XX/XXXX, Received a notification from Convergent that I owe the creditor XXXX XXXX {$1800.00}. I called them to explain that I do not owe this money and to bring this back to me after I dealt with an emotional experience with identity theft was unfair. After the conversation, I thought they understood but I continue receiving the same letter month after month. I received another letter today and I am tired. I want them to stop and leave me alone.