davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-24
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MA)

My mortgage switched mortgage servicers. Previously I had your standard mortgage due on the first of the month with the 15 day grace period which wasn't great but doable with my income schedule. Now that the mortgage servicer has switched ; they charge me to make a payment online on their website. So, I went from always being current on my mortgage to always being charged fees on a monthly basis. I never would have agreed to a mortgage with such terms and I had/have no control over my mortgage being sold to a different servicer that implements such terms. This is creating unnecessary financial hardship for me as I have two mortgages that were sold to this servicer.
Consumer complaint received 2019-01-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

I paid off my mortgage in full on XX/XX/XXXX. The bank stated I would received the funds in my escrow account in 15 days. Today is XX/XX/XXXX, 15 days later and I have not received any funds. In fact the bank had not even begun the processing the return of the escrow funds until after I reminded them. Bank continues to discriminate against me by giving me a hard time at every turn, failing to abide by what they promise and not caring at all when repeated mistakes occur.
Consumer complaint received 2019-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (TX)

Today ( XX/XX/2018 ) I learned my outstanding mortgage balance is nearly {$10000.00} higher than it was a month ago. I called Wells Fargo Home Mortgage to get it either 1 ) corrected or 2 ) explained why this occurred. Instead of providing help they asked me to send them evidence and mail them a credit dispute. 

I'm mailing the letter tomorrow and will attach the screenshots showing the discrepancy between what XXXX  and XXXX  ( XXXX XXXX ) and Wells Fargo app. 

Additionally, considering how fraudulent WF has conducted themselves in the past, I'm inclined to not pay another mortgage payment until this is resolved.
Consumer complaint received 2018-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (CA)

I have XXXX loans on my credit report reported that arent accurate. XXXX loans open in XX/XX/XXXX, I have no knowledge of. XXXX loan I paid off in XXXX isnt even showing on my credit report. 

I called my loan servicing to get help with correcting my credit report and after 30 minutes of specking with an uneducated rep, I was advised to mail the report in for review. I am requesting to have my lone servicer changed.
Consumer complaint received 2021-08-19
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. (CA)

I was disputing late payment on my credit history by sending letters to Credit Bureau, But Credit Bureaus did not reply to my dispute after second letter. They sent me answer once by saying account was verified and status of the account is correct. 
I sent dispute letter to Creditor directly. After I called to Creditor to follow up my dispute, by phone I been told that my account is current and do late payment was occurred. 
I need your help at this point.
Consumer complaint received 2022-08-28
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

In accordance with the fair credit reporting act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, MN XXXX and XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, WA XXXX have violated my rights. 

According to the Fair Credit Reporting Act sections 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I have disputed these collections and they continue to claim they belong to me. I have not given any written consent to publish these collections on my report and refuse to take ownership of a bill that I have no knowledge of. They have not sent me any paperwork showing how these accounts account are " verified " to be mine. They have had plenty of time to prove to me how these accounts are mine. I have been trying to dispute these charges and have them removed from my credit report but to no avail. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Please help me with this issue that is detrimental to my credit health and my livelihood. Thank you for all you do.
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (CA)

Fraudulent charges appearing on my XXXX credit report. 18 total charges from Affirm Inc. 11 of 18 are in delinquent status negatively impacting my XXXX. 

{$390.00} XX/XX/XXXX {$190.00} XX/XX/XXXX {$510.00} XX/XX/XXXX {$190.00} XX/XX/XXXX {$79.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$1100.00} XX/XX/XXXX {$280.00} XX/XX/XXXX {$420.00} XX/XX/XXXX {$190.00} XX/XX/XXXX {$170.00} XX/XX/XXXX I have filed a complaint with Affirm Inc, Case # XXXX. 
I have filed a report with local police department, Case # XXXX
Consumer complaint received 2023-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FIRST NATIONAL BANK OF OMAHA (TN)

I am submitting this complaint because I had XXXX credit card accounts with FNBO. On XX/XX/2022 I received the XXXX letter in the mail that stated they are suspending my ability to make any more transactions with XXXX of my cards. It also stated that to get my spending privileges reinstated that I need to submit copies of my driver 's license, social security card and a recent pay stub. I submitted these items through email and mail but on XX/XX/2022 I received another letter stating that the account had been closed and to destroy the card. I called them to question them about the situation and the reprezentive could not give me a reason why my credit account had been closed. All of my payments where on time FNBO had no reason to request my personal information as this is violation on my right to privacy. Also when they closed this credit card account it dramatically affected my personal credit score and they are also continuing to add interest as if the card is still active. I feel like I am being discriminated against because no one has any explanation to how and why this could happen. I also sent them a certified letter over 45 days ago regarding this matter and FNBO did not reply.
Consumer complaint received 2022-08-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 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  I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Consumer complaint received 2019-10-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

I have a previous due credit card balance with Bank of America. Without notifying me or attempting to make a payment arrangement they withdrew funds from my account in the amount of XXXX dollars and completely depleted my account. 
This company has used unfair biased practices against XXXX XXXX like myself, and targeted us to repay debt without given us the proper channels I attempted to call and resolve the dispute to set up a payment and they laughed at me called me names now my funds are depleted and I am risk of becoming homeless as I can not pay my regular bills and now I can not even resolve this debt if I wanted to thank you for you time
Consumer complaint received 2022-08-16
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: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2019-09-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (TN)

We applied for a refinance home equity line of credit to do home repairs. We were told that we qualified and we started the process of getting the loan done. After it came time to try and close this, we were told that because we did a modification a year ago, the guidelines were that you needed to be out of the modification for 2 years. That should have been disclosed before we paid {$490.00} for an appraisal and did repairs that were on the appraisal.
Consumer complaint received 2022-08-28
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. (TX)

I sent a letter out in XX/XX/2022 to Experian, XXXX, and XXXX. Here is my tracking number # XXXX XXXX XXXX XXXX XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 

According to the Law U.S. Code 1681i- Procedure in case of disputed accuracy if the completeness or accuracyof any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2016-02-28
Product: Credit card — 
Issue: Other fee — 
Company: JPMORGAN CHASE & CO. (TX)

On an ongoing basis, certain foreign merchants are charging me a 4.99 % markup on a currency exchange service that I am specifically requesting NOT be used. On the receipt, it says that I was offered a choice, but I when I ask the cashier " please do no use the currency conversion service, '' the merchants reply that their credit card machines do not offer the choice, that the markup is required. XXXX and XXXX seem to be in on this scam ( see attached receipts ). I do n't believe that Chase bank is at fault, I think that XXXX and XXXX are scamming both Chase and the consumers.
Consumer complaint received 2019-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SIMM Associates, Inc. (GA)

XXXX XXXX XXXX has a collection on my credit file being handled by Simms and Associates. I made an arrangement to settle the debt with Simms where they agreed to remove the remaining balance from my credit files. They did NOT REMOVE THIS BALANCE. I have disputed the balance with all three credit bureaus and filed a cfpb complaint for that process. 

I am filing this complaint against XXXX XXXX XXXX because section 623 of the FCRA provides the SAME 30 DAY TIME FRAME for handling disputes for the data furnisher that it does for the credit bureaus. 

It is a violation of federal law to leave a balance owing when I settled the balance in full with an agreement to remove it. 

Account number XXXX
Consumer complaint received 2019-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion is incorrectly reporting me as an Authorized User on the XXXX  - partial account number XXXX. ( Please see pages 3 and 4 attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX  and XXXX. I have contacted the bureau to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2019-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

There are incorrect personal information that is reporting on my credit file. I have tried to dispute this incorrect information with the credit agencies. Please assist me in getting this incorrect information removed from my credit profile. 

Incorrect Names : XXXX, XXXX, XXXX  Incorrect Addresses : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2022-08-28
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc. (PA)

My son purchased a {$25.00} Vanilla Visa Gift Card at XXXX XXXX on XX/XX/22 at XXXX. He came home and went on the Vanillagift.com website to register his card. At that time it said there was a 30 minute period before the card could be activated. He checked the account online again and it said there was 17 minutes left and then it would be activated. When my son went back on the website, giving it extra time, the site indicated there was a pending transaction made at XXXX for the entire amount of the gift card of {$25.00} by XXXX XXXX XXXX. My son and I called the customer service number at Vanilla Visa to report that his card was somehow charged, at the exact time the funds would have been placed onto the card, when he did not use it yet. We were informed that we could have a hold placed on the card and that I should call back on XX/XX/22 to see if the merchant collected the money. At that point I would then be able to raise a dispute.
Consumer complaint received 2019-01-24
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: Experian Information Solutions Inc. (CA)

I am having an extremely difficult time getting Experian to remove an alleged account placed on my credit report through Experian. The account in mention is actually an account I have also sent to you ( CFPB ). The account name is XXXX XXXX XXXX. I have disputed this account with Experian online as well as talking to a live person via phone. I have explained to them numerous times that I do not know of this alleged account. I sent a letter of validation to this company and they COULD NOT VALIDATE this alleged account. I have shared all of this information with Experian yet they continue to say that the company certify the information as correct. This is NOT CORRECT. On one occasion, Experian replied over night while the company reporting was not even open. 
This is a violation of my consumer rights under the FDCPA/FCRA and Experian is now participating in this violation. I filed XXXX XXXX XXXX complaint with you ( CFPB ) approximately XX/XX/XXXX19. Your filed complaint # is : XXXX-XXXX. 
Experian needs to remove this from my credit report immediately. 
Experian is only going on the fact that this company is saying the alleged account is correct. I am showing PROOF that this is not correct nor is it my account.
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: Synovus Bank (CA)

This company wrote off my debt as a " Chargeoff '' and so it is now considered taxable income for me. Therefore they can not come after me for the debt any longer, and they can no longer report it on my credit reports.

15USC 1692 g & 15USC 1681 ( e ) B Ive asked for a 1099c and have not recieved one
Consumer complaint received 2022-08-16
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: Experian Information Solutions Inc. (IN)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2022-08-16
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. (SC)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Also the credit bureaus took more than 30 days to complete my investigation.
Consumer complaint received 2022-08-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.