davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-01
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO. (CA)

Chase bank raised my interest rate from XXXX to XXXX on my current balance for purchases and any future purchases without notice to me on XXXX/XXXX/16. I tried calling the company who first stated it was done after review of my credit rating. Yet, when I told them my credit rating was steadily improved over the years since I have no late charges or over-balance issues, they stated they could do it periodically without notice to me. I then discovered that they are applying my payments which are over the minimum to the lower interest balance transfer amount before the higher interest balance that they raised without notice to me, so they can get more money from me. I want to opt out of this change and be refunded all interest charged over the XXXX from XXXX/XXXX/16 and I will stop using the card and just pay off my balance. This is unfair for them to raise my interest rate with no reason and without notice to me. I would have been treated better if I was a delinquent borrower/consumer. I should have received notice to have the opportunity to opt out the change.
Consumer complaint received 2022-08-10
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. (CA)

In previous months, I requested correction of inaccurate information which another credit reporting agency found to be inaccurate and had fixed. Due to CREDIT BUREAUS ' lack of response, which I classify as frivolous, they have dishonored FCRA regulations and my request for verification. If they wish to correct this dishonor, I will give them one more chance to correct their errors and FIX my records. Please FIX the following accounts, which CREDIT BUREAUS have failed to provide proper verification and another bureau has found to be inaccurate. They have 30 days to VALIDATE the accounts listed below : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX* Balance Owed : {$15.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Evaluate this reporting by revising the information provided.
Consumer complaint received 2020-05-28
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

I have 2 problems with my Wells Fargo Mortgage. 

1. I had a bankruptcy around XXXX. In the bankruptcy, the home mortgage was reaffirmed. There has NEVER been a missed payment, yet WF still treats it as in bankruptcy, now 20 years later and will NOT take it out of that status. I have called multiple times and they will not fix. I don't know what to do. I would like my mortgage reported as paid on my credit report and the bankruptcy status removed. 

2. My mortgage is variable rate and is due to be reassessed in XXXX or XXXX. I made my last payment for XX/XX/XXXX on XX/XX/XXXX. Now the bank will NOT let me make anymore payments. This means I can not pay ahead, I can not make ANY additional principal payments, and they get to continue to charge interest. I have emailed and called the bank and no one seems to be able to resolve this. I started attempting to make additional mortgage payments on XX/XX/XXXX and they still will not allow.
Consumer complaint received 2015-05-22
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TENET HEALTHCARE CORPORATION (FL)

I became a victim of ID theft in XXXX and in XXXX I was informed by the IRS that someone had filed my income tax return using my personal details and when i had my XXXX report pulled because i am trying to purchase my first home. I was subsequently informed that I had a large amount of debts in collection. I requested my free reports and found that I have ( XXXX ) medical entries that do not belong to me. i contacted the ( XXXX ) bureaus and informed them that i wanted to file a dispute ; immediately I contacted the debt holders and informed them that i was a victim of ID theft and I needed them to send me written validation of the account and information detail where and how the account was opened. All that has transpired since my initial contact since XXXX from my efforts was a security alert being placed on my file.
Consumer complaint received 2017-07-20
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc. (LA)

I am an XXXX. XXXX are eligible for loan forgiveness. I was never given the option and I always had to ask about that option just to be denied. I have had a hardship request denied, also. I always forced into forebearance or consolidation which led to more debt. I ca n't buy a house because of this. My student loans have made my credit score so low.
Consumer complaint received 2022-09-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC (MD)

WESTLAKE PORTFOLIO MANAGEMENT is attempting to collect a debt without a contractual obligation binding I the consumer and WESTLAKE PORTFOLIO MANAGEMENT. WESTLAKE PORTFOLIO MANAGEMENT UNLAWFULLY REPOSSESED MY AUTOMOBILE ILLIGALLY XX/XX/2022 without responding to my CONDITIONAL ACCEPTANCE LETTER sent certified mail XX/XX/2022 and it was delivered and received XX/XX/2022. 

Pursuant to title 15 USC 1692f ( XXXX ) -UNFAIR PRACTICES, prohibits the collection of any debt without a CONTRACT. 

WESTLAKE PORTFOLIO MANAGEMENT is attempting to collect a debt in the amount of {$1700.00}, there is no CONTRACTUAL AGREEMENT between XXXX XXXX XXXX XXXX and WESTLAKE PORTFOLIO MANAGEMENT for them to lawfully reposes my automobile, there for WESTLAKE PORTFOLIO MANAGEMENT is in VIOLATION of 15 USC 1692f ( XXXX ) -UNFAIR PRACTICES. 

I DEMAND WESTLAKE PORTFOLIO MANAGEMENT CEASE COLLECTIONS, {$0.00} OUT THE ACCOUNT XXXX, DELETE ANY NEGATIVE DOING TO MY CONSUMER REPORT, RETURN MY AUTOMOBILE THAT YOUR COMPANY UNLAWFULLY REPOSSESSED AND GRANT ME MY TITLE LIEN FREE WITHIN 30 DAYS, IF YOUR COMPANY FELLS TO DO SO I WILL SEEK LEGAL ACTION.
Consumer complaint received 2016-08-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (WI)

On XX/XX/2015 I cancel my XXXX for XX/XX/2015 my balance on XXXX was XXXX On XX/XX/2015 payment of XXXX was withdraw from my checking acct. Only XXXX was deducted from my balance On XX/XX/2015 payment of XXXX was withdraw from my acct. I try to correct this problem with directv. After many calls finally reach human being, all she could do give me an address I send all my documents and no respond. 6 months later collection agency mail me letter, I contact them and no respond. Now one year later, other collection contact me .Once again I have to correct XXXX mistakes. I owe XXXX nothing.
Consumer complaint received 2017-03-13
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: VANDERBILT MORTGAGE & FINANCE, INC (TN)

I have sold my home and we are waiting on closing. I also mailed a copy of the sales contract to Vanderbilt Mortgage. The closing company has requested the title and deed from Vanderbilt but someone from Vanderbilt contacted me on XX/XX/2017 wanting XXXX. Closing was set for XX/XX/2017 but the appraiser found that XXXX mobile homes did not put anchors on my home over 13 years ago. That has been taken care of and inspected and approved and the appraiser has to do a walk through and we can close. Vanderbilt wo n't stop the harassment.
Consumer complaint received 2021-04-30
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SoFi Mortgage, LLC (PA)

I applied for a mortgage refinance with Sofi on XX/XX/XXXX. Throughout the process, Sofi caused my credit score to drop unnecessarily due to excessive credit pulls caused by closing delays. Specifically, Sofi pulled my credit 6 times ( dates of pulls : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). 

I submitted a CFPB complaint about the excessive hard pulls on my credit and Sofi provided a Response in XX/XX/XXXX. In the response, they stated : " Upon reviewing your account, we confirmed that there were a total of four hard credit inquiries obtained throughout the process. We are currently working to have two of them suppressed, which will completely remove them from your credit file. Please note that the general timeframe for this to be handled by the credit bureaus is 30-90 days. '' It is now 200 days after Sofi 's response, and as of today, my credit report still shows 5 inquiries. Attached is a copy of my credit report from Sofi 's own website. The attachment states that there are 5 hard inquiries, on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

Based on this, it is clear that Sofi only had one ( 1 ) pull removed from my file ( the pull from XX/XX/XXXX is no longer showing ). 

Sofi should remove the following specific credit pulls : 1. XX/XX/XXXX, 2. XX/XX/XXXX, 3. XX/XX/XXXX. The pulls on XX/XX/XXXX and XX/XX/XXXX were unnecessary because Sofi had pulled credit on XX/XX/XXXX. The pull on XX/XX/XXXX was unnecessary because Sofi had pulled credit on XX/XX/XXXX. 

There is no reason to pull someone's credit 4 times in one week ( XX/XX/XXXX ) or 2 times in one week ( XX/XX/XXXX ) for one single credit extension/transaction.
Consumer complaint received 2023-04-17
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (VA)

In XXXX XXXX payments were posted to my XXXX account in error. I had forgotten the autopay on my account and erroneously made an extra payment. 

XXXX ultimately processed both payments on my account on XX/XX/XXXX and XX/XX/XXXX ( autopay ). The XXXX payment resulted in an NSF due to the XXXX payment having already posted. 

I proceeded to call XXXX ( on or about XX/XX/XXXX ) to request a refund of the SECOND payment made on XX/XX/XXXX since the XX/XX/XXXX payment already posted to my XXXX XXXX account. The agent assured me that the SECOND payment made on XX/XX/XXXX via autopay would be CANCELLED. Ultimately without my knowledge, the agent reversed the XX/XX/XXXX payment and cancelled the autopayment as well, which was not what I asked her to do. 

I never received any notification via text, email, or letter that there was no XXXX payment posted. On my end, I received XXXX refunded payment, as expected and requested. I was under the impression that the auto payment was refunded. On my XXXX account, it showed as if XXXX payment had posted to my mortgage. 

On XX/XX/XXXX I received notification that my credit report had a 30 day late mortgage payment from XXXX for the month of XXXX. I immediately called and spoke to an agent, XXXX, who reviewed the notes and confirmed that the prior agent actually CANCELLED/REVERSED the first XXXX payment on XX/XX/XXXX AND also cancelled the autopayment on XX/XX/XXXX. This SERVICING ERROR RESULTED IN NO PAYMENTS FOR THE MONTH of XXXX which was never my intention. As you can see via my XXXX XXXXXXXX statement, XXXXXXXX XXXX mortgage payments posted with only XXXX reversal. It was my understanding that the XXXX reversal was for the autopay payment made on XX/XX/XXXX and that my payment made on XX/XX/XXXX posted to the loan and my monthly payment was satisfied. Upon being made aware of the agent 's error, I immediately paid another mortgage payment on XX/XX/XXXX to satisfy XXXX and bring my account current. 

I then submitted a credit dispute from with XXXX on XXXX at the direction of the agent I spoke to. I did not receive a notification that it was received so I sent another dispute from on XX/XX/XXXX. I called into XXXX on XX/XX/XXXX to obtain resolution. The agent proceeds to tell me that the XXXX dispute was received and denied. Stating that all payments posted correctly and there was nothing XXXX could do. I am appalled at the blatant poor customer service and inefficient staff at XXXX. I have never missed any payments on this mortgage. The agent 's error and lack of notification by XXXX resulted in no payments posting. That is not my error. That was never my intention. I never requested a stop pay on any payments. I clearly asked for auto pay to be cancelled. That was my only request since my XX/XX/XXXX payment had posted/cleared. 

Please correct this issue and update my credit report.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

Notice to Agent is notice to principal notice to principal is notice to agent. 

This is the final and last time I am notifying you of excluded transactions and history being illicitly reported to my consumer report. I have also reviewed my agreement with " XXXX XXXX '' and I am enforcing my right to OPT- OUT as explained in FCRA 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information.

( b ) OPT-OUT ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) 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 ; ( B ) 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 third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I have notified you of the FCRA laws in a previous letter, but these laws have been recklessly ignored and violated. I will dispute XXXX XXXX and any consumer reporting agency that violates these laws in court if they are violated again as said in the FCRA 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 
My history with XXXX XXXX, must be removed from my consumer report immediately in Pursuant to the Federal Credit Reporting Act 15 U.S.C 1681a ( 2 ) ( a1 ).

[ 2 ] Exclusions. Except as provided in paragraph ( 3 ), the, consumer report does not include reports containing information solely as to transactions or expenses between the consumer and the person making the report illegal.

The laws states, the consumer report does not contain " Late payment or late payment history. Any more reporting of information based solely on transactions or expenses will need to be settled in court for remedy. After updating my Consumer Report please provide me with an updated report reflecting the removal of this account as it is illegal by the FCRA and once again I am enforcing my OPT-OUT. I am not requesting for Validation or Verification.

As per FCRA 15 U.S.C Code 1681s2 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 address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 


Thank you for your time,
Consumer complaint received 2023-04-17
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. (NJ)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2022-09-07
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. (NY)

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 severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-09-07
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section XXXX ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2021-05-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

I contacted LVNV Funding LLC and informed them of the fraudulent account set-up using my stolen personal information and I did not owe and money to them as they claimed I owed XXXX. I explained to them, I have not worked or lived in the US since 2014 and it was impossible for me to open the account based on my proximity to the California. I work in the XXXX. I also explained to them that the address used under my name is a PO Box and not a physical address. My information was stolen several times from the PO Box in an effort to open fraudulent credit and bank accounts. This account is the result of such fraud. I have asked LVNV Funding LLC to remove the fraudulent account from their record, report it as such to the credit bureaus and original creditor and to send me a letter of apology. This demand is filed under the FCRA and my rights through the state of California, per my attorney, XXXX XXXX.
Consumer complaint received 2022-08-10
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. (CA)

Im sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumerthat the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXXXXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance {$3800.00}, XXXX XXXX XXXX XXXX  XXXX Balance {$270.00},
Consumer complaint received 2019-05-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of America Ltd. (CA)

Looks like a zombie debt purchase. They are trying to collect for a subscription to a water service which we did not have, and certainly did not authorize at the time of the collection date. I requested proof of debt, I've never received it because the debt is older than what they state it is. I disputed the debt a long time ago ; they just rubber stamped it as valid without proof.
Consumer complaint received 2017-03-13
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Onity Group Inc. (FL)

US Bank National Association initiated foreclosure proceedings via Publication within 13 days after I received the final paperwork for the Hemp Modification from the Loan Servicer after passing the trial period for the payments cashed and kept the fourth mortgage payment while according to US Bank the account was in default.That payment was not applied to the mortgage instead my online account was deleted.US Bank offered me a XXXX Dollar bribe if I no longer would proceed.I have Senator XXXX involved.
Consumer complaint received 2022-09-07
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. (LA)

Equifax/Equifax credit bureau is sending out frivolous letters. They recently sent me XXXX letters on the same date, XX/XX/2022, for identification after they fraudulently said they couldnt find my account and removed/deleted some accounts I requested to be removed/deleted when I called XX/XX/2022 and submitted my complaint through CFPB also on XX/XX/XXXX. These actions are making me lose confidence in Equifax/Equifax credit bureau XXXX