davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-14
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

I was in forbearance with Rushmore Loans from XX/XX/XXXX to XX/XX/XXXX and I have the forbearance documents stating that. I have made 6 payments and the requirement is only 3 since exiting forbearance and I am trying to refinance my loan. The lenders I have worked with say they can't refinance my loan because my current lender has me going through a loan modification trial period. They raised my payment about {$150.00} for the last three months to see if I could make the payments, and I have. I want to refinance this loan to get a lower interest rate and prevent my current lender from only giving me the option of a modification. Their plan is to take my missed payments and add that to my current loan balance. I do not agree with that and feel that is predatory lending practices. Why should the missed payments be added ON TOP of the loan balance rather than at the end. They will get their money because IT IS ALREADY PART OF THE LOAN. So if I owed XXXX and I missed XXXX in payments, HOW DOES THAT MEAN THEY CAN ADD THE XXXX ON TOP TO MAKE A NEW LOAN BALANCE OF XXXX???? IT DOESN'T MAKE SENSE. I DID NOT GET ANY EXTRA MONEY. If anything, they should just extend the length of the loan, not add it to the balance.They refuse to work with any of the lenders that contact them about my refinance. They just say I am delinquent and never mention the forbearance. They will not give up any documents at all. 
Anyway, the new lenders are telling me that even though I exited forbearance, made double of the number of required payments after forbearance, they can't refinance me because my current lender is dragging their feet to do a loan modification!! How is this even fair??? Is it true that I can't refinance if they are doing a loan modification??? If so, WHY NOT??? They will still get their money because I have to refinance the entire amount of my original loan anyway. If this is common practice, HOW IN THE XXXX DOES THIS HELP PEOPLE WHO HAD TROUBLE DUE TO THINGS OUT OF THEIR CONTROL ( C O V I D!!!!!!! )????? Please return my email or call me at your earliest convenience so i can get out from this terrible lender!! Please have a heart and help
Consumer complaint received 2021-10-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Receivable Management Services LLC (NY)

On XX/XX/2021 collection company name receivable management Se, reported the amount of {$920.00} on my credit file, when I contacted the company they did not had my correct information like my address and phone number and they told me the amount is forcar insurance charges which I never had. 
I explain them I do had place fraud alert on my credit file since XX/XX/2021 as I was seeing someone trying to obtain credit using my information as I was seeing all the inquiries on my credit file so I decide to pick my file and put fraud alert. They said as the information is not matching with your address and phone number we will investigate but they did not remove that account from my file yet. 

I request please investigate the matter and and ask the company to immediately remove the account from my credit file thanks.
Consumer complaint received 2020-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX University is going through a lawsuit and is required to have all negative remarks removed from students credit report. The 2 late payments needs to be removed off the credit report. There is also supporting documentation for this matter. 
XXXX XXXX XXXX
Consumer complaint received 2020-08-29
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

How can you say that this student loan was verified accurately? It's impossible! This student loan continues to report incorrect, incomplete & unverifiable data. I rather not wasting each other 's time and want this removed from my credit report. I believe there were some student loan servicers that were sued by Cfpb because they had failed to applied the payment correctly into the client 's account. I believe one of them was XXXX. 

Again, hows it possible that youve reported me 90 days late with no late payments prior to that? I was never late on this account.
Consumer complaint received 2020-05-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

Looking over my credit report and noticed there was an account that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below : 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, PORTFOLIO   RECOVERY  # XXXX, PORTFOLIO RECOVERY # XXXX, XXXX XXXX # XXXX
Consumer complaint received 2020-04-29
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. (GA)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 

XXXX  XXXX {$2700.00}
Consumer complaint received 2020-04-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A. (KY)

I am trying to verify my PNC account with this account so I may transfer funds and save money in this account. 
It seems I am unable to due to some rule you have in place. 
Is there a way to " allow '' this account access?
Consumer complaint received 2020-11-28
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I had an account with XXXX XXXX XXXX which was closed in XXXX. However, Experian allowed them fraudulently to update information on my account and report a late payment that never occurred. 

I filed a complaint with Experian informing them that XXXX XXXX re-aged the account. The account was closed in XXXX and there were no late payments or activity on the account the information was incorrect. They sent me an email on XX/XX/XXXX stated that they fixed the problem but the fraudulent and re-aged information still remained on my account. 

Say the statute of limitations is 3 years in Maryland, and the debt is over 4 years old, with no account activity in the last 4 years, and the statute of limitations has passed, but the debt is still listed on my credit report and should be removed.
Consumer complaint received 2023-03-01
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: MoneyLion Inc. (NC)

In 2019 I took a {$500.00} loan from Moneylion app and paid a few payments before falling behind because of unemployment. They put the amount on my credit meaning they sold the loan to a debt collector but refuse to stop the membership payments until the loan was paid witch is fraud because they already had sold the debt and recouped the amount of the loan. For 4 years my bank account has been charged {$19.00} and they refuse to cut off payments even after I confronted them about their fraudulent actions.
Consumer complaint received 2021-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY (NJ)

My issue is about amex 's return protection policy. 

I purchased a few notepads online with my amex everday preferred card. The notepads were meant to be a birthday gift. However the seller didn't ship it on time and wouldn't allow me to return to the seller. 

So I had to start a return protection claim with AMEX. AMEX denied my return protection, quoting that " maps ... books ... '' are excluded from return protection policy. I called their customer service and the agent kept telling me that notepads/notebooks are books so they are excluded. 

I asked for escalation and the agent told me she will schedule a callback. However, it has been 5 business days and I didn't receive any calls from them. 

They are abusing their terms! I can understand that excluding books from return protection seems to be reasonable. But how does that apply to brand new notepads/notebooks as well??? I have a feeling that they just wanted to deny my case so they had to use such a ridiculous excuse!!
Consumer complaint received 2020-11-16
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY (NY)

XX/XX/2020 I called Wells Fargo to question an amount owed on a private student loan I have with Wells Fargo. I have a payment due at the first of the month for the past 10 years has been between {$390.00} - {$400.00}. 

Recently due to Covid-19, I had to take forbearances that were offered by Wells Fargo from XXXX to about XX/XX/2020. My loans recently restarted on XX/XX/2020, first payment due XX/XX/2020 for XXXX, I paid. I recently called Wells Fargo on XX/XX/2020 around XXXX XXXX - XXXX XXXX  their automated system said my next loan payment on the XXXX of the month is {$570.00} which is about a $ XXXX {$170.00} increase when I spoke to a woman named XXXX from their executive office and other representatives at the company I was told due to taking Forbearances offered during Covid-19 emergency I was paying the interest that had accrued during those forbearances that I had to take due to being unemployed. I've used Forbearances from them in the past over the 10 years and while interest is accrued it never increased my payment so drastically. I believe they are using their policies to increase people 's payments at a time that they shouldn't be. It was never conveyed to me in a clear transparent matter that would happen. I find it predatorial as a business practice and I think this should be investigated. 

Best regards,
Consumer complaint received 2021-10-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I asked Fifth third bank to investigate certain irregularity regarding a credit card account. 
The Bank replied in a letter ( see attached ). They informed me, that I am " responsible for this account and any payment due ''. 
This would apply if it was my account or a joint account. 
However, the owner of this account is my ex-husband. My name is shown as 'User ''. ( see attached printout of the Bank 's internal document ). 

Just a small detail : The owner re-opened this account ( XXXX XXXX ) after years of inactivity, he did not name me as authorized user. The Bank did not send me a card for this account. 

Authorized user - is someone who is approved to use the credit card, but is not responsible for the credit card balance. 

So, the Senior Vice President of the bank ( he signed the letter ) is holding me responsible for something he simply can not. And he should know it. 

This account was provided to the credit agencies, which drastically decreased my credit score, because the owner of the account failed to make payments.

Because of the drop in my credit score, Fifth Third Bank drastically reduced my credit limit on my own credit card, even though I always keep low balance, have no late payment and always pay more than the minimum monthly payment.

My credit score before the Bank falsely reported this account to the credit reporting agencies, was : XXXX : XXXX XXXX : XXXX XXXX : XXXX. 
Now my score is XXXX.
Consumer complaint received 2020-11-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (OH)

Debt being reported to XXXX  is not mine. I have contacted IC System and XXXX  to no avail. The debt is invalid. I owe nothing to XXXX XXXX XXXX. This debt was satisfied with XXXX XXXX XXXX when I stopped doing my business with them.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I reviewed my consumer reports and noticed that I had 1 to 2 late payments on accounts that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for these accounts, so I have included screenshots inside this complaint. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I am demanding these payments be updated to paid as agreed on time, as well as updated in the monthly account history, because I was never late. 

Thank you! Please see the screenshots attached.
Consumer complaint received 2021-10-14
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (MA)

I am a co signer on loans for numerous in my daughters name XXXX XXXX. I am paying the loans. They are saying I am in default. I am not. My customer id is XXXX. My email is XXXX. I want to file a complaint against XXXX XXXX. They refused to connect or name the manager of the ombudsman. I do have a XXXX which, under stress causes XXXX XXXX XXXX. I have been paying the payments and they keep sending me default letters. This in turn has my ex-wife taking me to probate court. I have documentation from Sallie Mae that I have been accepted into a re-payment program as I am the cosigner and did not expect to have to repay the loans in full. Today I spent 1.25hrs on the phone and spoke to 5 different people. Their errors is reflecting on my credit as well and they refused to write a letter correcting the problem. I would have never signed for loans, that were not Federal and XXXX XXXX accepted PPE money. I need help please.
Consumer complaint received 2017-09-25
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. (TX)

XX/XX/XXXXI was denied credit by XXXX XXXX XXXX is perfect or near perfect so fearing data had been breached by Experian hack immediately checked all credit reports including Experian. Only anomaly that I was able to find was the date of birth was wrong. It was reported as XX/XX/XXXX vs correct year of XX/XX/XXXX. I went to Experian this morning XX/XX/XXXX and attempted to correct and website would not allow and only provided links to this site. I need a phone number or link to upload correct information.
Consumer complaint received 2021-10-14
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)

THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. Bankruptcy Chapter XXXX-Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/2013. 

2. Chapter XXXX Bankruptcy Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/2013.
Consumer complaint received 2020-08-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (MA)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2021-10-14
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. (GA)

My first initial letter was sent in on XX/XX/2021 to all 3 bureaus about the inacurate information that is reporting. The bureaus have yet to resolve the issue and has been over 52 days. i have sent mutiple letters with no resolution.
Consumer complaint received 2021-10-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My first initial letter was sent in on XX/XX/2021 to all 3 bureaus about the inacurate information that is reporting. The bureaus have yet to resolve the issue and has been over 52 days. i have sent mutiple letters with no resolution.
Consumer complaint received 2020-10-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XXXX XXXX was supposed to send {$300.00} check to my sister, because of some deal they did. Instead of sending {$300.00} check he mailed her {$2000.00} check. He gave some excuse and told my sister to deposit the check and transfer the rest {$1700.00}. My sister did not have an account so I created a capital One money account for her under my primary account and deposited the check. After a couple of days when the check deposited and it was spendable I send him the money through capital one XXXX  money transfer service. Then after couple of days when I checked my bank account online the bank freeze my funds. When I called the bank they said that the check that was deposited got rejected and now it's my responsibility to pay the balance. Which I don't understand because I only send the money because the bank verified the check and it was deposited and they let me spend the money. So I think it should on them not me. So please help! 

the {$2000.00} check was deposited on XX/XX/2020 send {$1700.00} to XXXX XXXX on XX/XX/2020XX/XX/XXXX
Consumer complaint received 2020-05-17
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: CAPITAL ONE FINANCIAL CORPORATION (NV)

Capital One bank has not updated my account as paid XX/XX/XXXX and XX/XX/XXXX payment and i have not paid 30 or 60 days late on this account and capital one one has not updated my account correct since this virus
Consumer complaint received 2021-04-07
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: Experian Information Solutions Inc. (AZ)

XXXX Account # XXXX XXXX XXXX XXXX for {$35000.00} are the sole responsibility of XXXX XXXX XXXX, XXXX, XXXX ; Driver 's License # XXXX ; ( XXXX ) XXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX. These accounts are the result of identity theft perpetrated by XXXX XXXX XXXX, and were fradulently opened by her.
Consumer complaint received 2020-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (RI)

I received a discharge for my CH XXXX Bankruptcy on XX/XX/XXXX. Nonetheless, several credit card companies continue to show late payments or other derogatory marks against me on my credit report. It shows up and weighs down my FICO account, and is hurting the Interest Rate I'm able to receive on my home refinance. I reached out to all of these companies through XXXX 's website, but the majority of them were unwilling to correct the false information. Its so frustrating, and feels criminal! I know there's bigger problems in the world than this, but its frustrating because it seems so simple to fix, and should have been done years ago. I have included PDF 's and screen shots that show which companies are included. 

None of the follow should show any derogatory marks or late payments. Its included in the PDF 's as written ( " XXXX  - False Late Payments on Credit Report pre-bankruptcy XX/XX/XXXX '' ).