davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: PENTAGON FEDERAL CREDIT UNION (CA)

I disputed a transaction at XXXX XXXX XXXX XXXX dated XX/XX/XXXX  in the amount of {$1200.00}. After XXXXXXXX XXXX recommended a valve cover replacement I took the vehicle in to XXXX XXXX which determined that the valve cover had a hole which was covered with electrical tape. 

The Check Engine Light has been on ever since XXXX XXXX recommended the valve cover replacement. Because this repair resulted in damage to my vehicle and because I was not presented with a written estimate prior to it being made, California law allows for a full refund of this charge. 

I submitted all the evidence to XXXX and they denied my dispute without giving a legitimate reason.
Consumer complaint received 2017-08-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (LA)

Wellsfargo services my home mortgage ( Loan # : XXXX ) from XX/XX/XXXX - XX/XX/XXXX. The first issue is that I was informed by the loan officer that I only qualified for a 20 year mortgage prior to closing after all of documents indicated a 30 year mortgage. The loan officer informed that I should pay on the 20 year mortgage for 6 months and refinance to a 30 year mortgage. I completed the process to refinance into a 30 year FHA mortgage in XX/XX/XXXX and the original FHA loan was XX/XX/XXXX. My second issue is that Wellsfargo requested {$3100.00} from HUD in XX/XX/XXXX by informing HUD that I was behind on my mortgage. I was not late or behind on the mortgage in XX/XX/XXXX. I actually refinanced the mortgage in XX/XX/XXXX from Wellsfargo to XXXX. I would not have been able to refinance the mortgage in XX/XX/XXXX if I was late/behind on the mortgage in XX/XX/XXXXas indicated by Wellsfargo to HUD. I was not aware of the {$3100.00} mortgage taken out on my home untiXX/XX/XXXX by the title company that is handling the sell of my home. I did not sign documents for the {$3100.00} mortgage. Finally, I am in the process of working with Novad Consulting due to Wellsfargo negligence of not filing the cancellation with the Clerk of Court office. I had to pay for the shipping for XXXX to XXXX me the cancellation due to immediate closing date on my home and I must pay the filing fee at the Clerk of Court to file the cancellation of {$3100.00} that was erroneously take out on my home in an effort to clear the title for sale of the home. I have attached the mortgage that was filed with the clerk of court in XXXX XXXX XXXX. Wellsfargo attempted to file the cancellation, but the mortgage was sent back by XXXX XXXX XXXX  Clerk of Court due to a president not signing the mortgage and Wellsfargo did n't send the corrected cancellation back.
Consumer complaint received 2023-01-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (AZ)

This has been a 15 year process with a loan modification with XXXX. My original loan was for $ XXXX they agreed to modified it for {$200000.00} a 15 year loan to a 30 yr. loan.

I never had the opportunity to get equity. Before covid, they transfer my loan to Carrington, but Carrington foreclosed the house even though we have a written statement that the foreclosure was moved a month because of the litigation process. XXXX and XXXX is now evicting me. I am attaching documents that I would like your office to review them. 
Thank you.
Consumer complaint received 2017-08-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BBVA FINANCIAL CORPORATION (TX)

I have checked my account again with BBVA and they show charging me a {$38.00} NSF fee for a check that they have as " paid item check '' when if fact the check DID clear. There was enough money to cover it - according to what I see on MY online banking. I do not understand how they continue to get away with this. I doubt I am the only customer having this issue with them. If I see a balance of {$380.00} and THEY clear a check for {$350.00} - I STILL have a balance of {$39.00} then how in the XXXX can they continue to charge me a {$38.00} NSF for that check - they say did not clear but it obviously did!!! What is going on? How unethical do you have to prove a bank is before someone steps up and does something? Like XXXX XXXX ....?
Consumer complaint received 2017-08-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PHH Mortgage Services Corporation (NY)

Borrower is currently facing a foreclosure sale of his home scheduled to be held on XXXX XXXX, 2017. Please see notice of sale attached hereto. On XXXX XXXX, 2017 borrower, through his attorneys, submitted a complete application for loss mitigation to his loan servicer PHH Mortgage. Please see application for loss mitigation and confirmation of fax delivery attached hereto. On XXXX XXXX, 2017 PHH Mortgage issued a letter stating that borrower 's application for loss mitigation was been denied as incomplete. This letter cited no documents as missing from borrower 's application. Please see letter from PHH Mortgage dated XXXX XXXX, 2017 attached hereto. We assert that borrower 's complete application was submitted more than 37 days prior to a sale date andso PHH is required by 12 CFR 1024.41 ( c ) ( 1 ) to evaluate borrower for all loss mitigation within 30 days of receipt of the complete application. Additionally, PHH Mortgage failed to cite any documents as missing  from borrower 's application in their notice of XXXX XXXX, 2017. This being the case, pursuant to 12 CFR 1024.41 ( c ) ( 2 ) ( iv ) borrower 's application for assistance is facially complete. As borrower 's application is facially complete, borrower is forbidden from conducting the foreclosure sale by 12 CFR 1024.41 ( g ).
Consumer complaint received 2020-09-21
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)

XXXX XXXXXXXX XXXX XXXX Contact info XXXX XXXX XXXX XXXXXXXX XXXX, SD XXXX shows a inquiry on my credit report with an Inquiry date of XX/XX/2018. By law the inquiry is to be removed after 2 years. The inquiry still shows on my credit report. The removal date was XXXX.
Consumer complaint received 2020-06-30
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. (TX)

FTC WAS FILED ON THE ACCOUNTS BELOW : XXXX XXXX XXXX XXXX XXXX  Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$2100.00} High Balance {$2100.00}
Consumer complaint received 2021-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

XXXX, Equifax and XXXX  are reporting 3 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2020-11-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: The LGM Co., Inc. (OH)

LGM financial had previously charged my account without authorization on XX/XX/XXXX. The loan payment is late, however, they are contacting my references for payment. The payment has been mailed in. Both myself and my references are being harassed by this company. The lack of respect this company has is out of control. They are intrusive and completely disrespectful.
Consumer complaint received 2020-09-02
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. (CA)

The following items are reporting inaccurately on my credit file : Incorrect Address : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX, XXXX XXXX, XXXX The following items are a result of fraud : XXXX XXXX - Date Opened : XX/XX/XXXX ; Bal : XXXX ( Experian & XXXX ) XXXX XXXX XXXX - XXXX XXXX XXXX XXXX ; Bal : {$360.00} ( Experian ) XXXX XXXX - Date Opened : XX/XX/XXXX ; Bal : {$6100.00} ( XXXX  ) XXXX - Date Opened : XX/XX/XXXX ; Bal : {$200.00} ( XXXX  ) XXXX  XXXX XXXX XXXX  - Date Opened : XX/XX/XXXX ; Bal : XXXX ( Experian ) XXXX XXXX - Date Opened : XX/XX/XXXX ; Bal : {$18000.00} ( Experian )
Consumer complaint received 2023-02-15
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: EQUIFAX, INC. (TN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX Account name XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXXN Account name : XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX Account name XXXX XXXX XXXX Account name XXXX XXXX Account name XXXX Account name XXXX XXXX XXXX Account name XXXX  XXXX Account name XXXXXXXX XXXX  Account name XXXX Account name XXXXXXXX XXXXXXXX XXXX, XXXX  Account name XXXX XXXX XXXX  XXXX Account name XXXX XXXX, XXXX XXXX Account name XXXX XXXX XXXX  Account name XXXX XXXX XXXX Account name XXXX - XXXX XXXX Account XXXX XXXX XXXX Account name 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2021-11-03
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: EQUIFAX, INC. (OH)

My FTC Identity Theft Report is attached because I, XXXX XXXX XXXX, was a victim of identity theft. I have given my complete approval to this notification and its implementation. My identity theft affidavit was also mailed to all relevant credit reporting agencies. I have never provided my written consent or endorsed anything, identity theft happens, and I have a right to privacy XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TD BANK US HOLDING COMPANY (NJ)

TD Bank is still reporting a debt owed and late payments when the account was included in a XXXX  XXXX XXXX. The amount is {$13000.00} from a credit card and TD Bank is not following the XXXX XXXX XXXX XXXX from XXXX that this debt was included in the bankruptcy. TD Bank is still reporting the debt to XXXX and indicating that it is late with a charge off status. 
TD Bank did respond to cfpb and myself on XXXX indicating they had sent an update to the Credit Bureaus to have the account updated to reflect the discharged bankruptcy and indicated a XXXX  control number XXXX as confirmation this update was sent to the credit reporting agencies. 
But TD Bank had been contacted by XXXX via several recent disputes concerning this issue and XXXX continues to receive a response that the reporting of {$13000.00} is late with a charge off with no indication it was included in the discharged bankruptcy.
Consumer complaint received 2020-11-29
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. (NY)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTAGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A METHOD OF VERIFICATION TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INTIAL DISPUTE XX/XX/2020
Consumer complaint received 2023-03-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (ID)

commencing on or around XX/XX/XXXX, i fell victim to a multi-layered scam operation orchestrated by Coin list ( the fraudsters or company ), with the design, development, manufacturing, promoting, marketing, distrubuting, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of client losses to gains in the equivalent of XXXX which were transferred from my wallet utilizing your services
Consumer complaint received 2020-09-21
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. (RI)

Hello, I am writing because I feel as though my credit profile is being targeted by the credit reporting agencies - due to my previous negative credit history. 

I have been working very hard to bring my score up and every time I do the credit agencies allow a company to put a fraudulent account on my report. I then contact all three agencies to advise/dispute and they answer with the debt is valid. To which three times I have had to reach out to your office to request assistance.

Then once these negative items are removed my credit report the score is not increasing/adjusting for the change. There have been instances where I have paid the debts and an agency like XXXX XXXX has advised my score will increase 25+ points and nothing.

I have done everything in my power to try and jump from poor/fair to good credit and no matter how i try i keep getting knocked back down to the 500s. I feel as though this is the credit agencies attempt to try and keep my score low. As I will then be forced to pay higher interest rates. I would like to request an audit of my credit profile. Please help me I am sure they are mistakenly keeping my credit score low. If I am wrong I will accept this, but i would like some help with making this right. 

Thank you, XXXX
Consumer complaint received 2020-05-06
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. (MO)

On XXXX XX/XX/19 I had five different inquires for loans using my information they got off XXXX website when I bought a gift. XXXX was able to put a stop to them and the loans never went through. I thought the situation had been closed and I then put a freeze on my info to protect my identity further. 

My fiance and I are merging bank accounts and he contacted his bank ( XXXX XXXX in XXXX XXXX, MO ) and tried to add me on his bank account. The employee said my name popped up on a list and I needed to get a XXXX report. I did and it listed the 5 fraudulent inquires that happened in XXXX. The bank told me they need to come off the report in order to be able be on the bank account. I contacted XXXX and they called the companies and they said they can't remove them. I needed to contact identitytheft.gov. I did and they said since the loans didn't go through I needed to contact this website to have them removed from my report. 

All on XX/XX/19 1. XXXX XXXX  on Behalf of XXXX XXXX 2. XXXX XXXX on behalf of XXXX XXXX XXXX 3. XXXX XXXX on behalf of XXXX, XXXX DBA XXXX XXXX XXXX 4. XXXX XXXX on behalf of XXXX XXXX, XXXX 5. XXXX XXXX on behalf of XXXX XXXX XXXX Please let me know what I need to do in order to remove these off my XXXX  XXXX report. 

Thank you, XXXX XXXX
Consumer complaint received 2017-08-08
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. (FL)

I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX Account # : XXXX I was never late 30, 60, or 90 days late in the months of XXXX, XXXX and XXXX. Im not sure how this happened, I have alway made my payments on time to you when I received my statements. My only thought is that there was a billing error with my statement.
Consumer complaint received 2017-08-08
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. (FL)

I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX Account # : XXXX I was never late 30, 60, or 90 days late in the months of XXXX, XXXX and XXXX.
Im not sure how this happened, I have alway made my payments on time to you when I received my statements. My only thought is that there was a billing error with my statement.
Consumer complaint received 2017-08-08
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: AMERICAN EXPRESS COMPANY (FL)

I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : AMEX Account # : XXXX I was never late 30, 60, or 90 days late in the months of XXXX, XXXX and XXXX. Im not sure how this happened, I have alway made my payments on time to you when I received my statements. My only thought is that there was a billing error with my statement.
Consumer complaint received 2020-05-06
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC. (AL)

My line of credit is {$2000.00}. I withdrew {$1600.00} at the beginning, and have paid {$1900.00} to the company so far. I have not made a withdrawal since the initial {$1600.00} on XX/XX/20. They are stating that my balance is currently {$1300.00}. I have been making on time regular payments, even overpayments. My minimum payments fluctuate, with no explanation of how my payments are being applied. My last minimum payment went up from {$140.00} on XXXX XX/XX/20 to {$190.00} on XX/XX/20. I recently asked to close the account and be put on a payment plan. They denied me closing the account and said that I have to pay off the balance in full first. I explained that my employment has decreased ( full time to part time ) and that I can not keep up with the biweekly payments. They only offered to delay one payment into four parts, with me paying that IN ADDITION to the regularly scheduled future payments. They are offering no relief in payment and/or increasing amounts due.
Consumer complaint received 2017-08-08
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. (CA)

I submitted a dispute reguarding my personal information on my credit report. I found a name that was incorrect and I also found two addresses on my credit report under ( Personal Info ) that I have never lived at. None of which have been resolved or addressed. I need the specific name, telephone number, and address of a person or agency, or ANYONE who I can contact to finally resolve this issue. So far, I have n't found anyone who is capable of accomplish a resolution. Now, I know there is someone out there some where, who IS very capable and very competent to address this issue and successfully resolve the dispute. If you would so kindly please give me THAT PERSON 'S name, number, and address, I would gratelly appreciate it. Thank You. The two addresses that are incorrect and need to be removed from my ( Personal Info ) off my credit report are : 1. XXXX XXXX XXXX . XXXX, CA XXXX 2. XXXX XXXX XXXX XXXX. XXXX, CA XXXX The name that is incorrect and needs to be removed from my ( Personal Info ) off my credit report is : 1. XXXX XXXX Thank You so much for your help and I look forward to hearing back from you. XXXX Bless ....
Consumer complaint received 2020-11-18
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. (DE)

Hello. I have been disputing 2 accounts on my credit report since the beginning to 2020. I have sent multiple letters indicating the inaccuracies on my credit report. I have called the bureaus about my investigation and I was told on XX/XX/XXXX by XXXX that they do not have any of my information on file and that the last thing they have was something I submitted in XX/XX/2020. I sent a letter in XXXX of this year. The continue to report inaccurate information on my credit file.