davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: M&T BANK CORPORATION (NV)

My family is trying to purchase a new home and we have found that we can not be approved because of inaccurate information being reported by our old mortgage company and the way that XXXX is reporting it. 
We had a Chapter XXXX bankruptcy, including our home that was discharged in clear back in XX/XX/XXXX. We kept making payments on our home but finally had to short sale it in XX/XX/XXXX. The problem is that XXXX is reading the XXXX report that we bankruptedin XX/XX/XXXX, which makes our loan unapprovable. It needs to read that we SHORTSOLD the home in XX/XX/XXXX and as long as we close our new home after XX/XX/XXXX, we are eligible to purchase. M & T Bank refuses to work with us. They dismissed our request to correct what they reported in a brief letter. We need help getting this corrected.
Consumer complaint received 2017-11-13
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (FL)

To Whom It May Concern : I 'm in the process of working with a bank for a XXXX loan and have been conditionally approved. However, we are at a stopping point due to the bank not being able to provide me regulatory guidance as to why they require a mortgage statement and insurance documentation for the home my husband owns here in XXXX. I am not listed on any documentation for the home financing or insurance. I am only listed on the deed as a beneficiary should something occur. Additionally, my husband and I keep everything separate financially and do not share expenses. Also, we are not selling the home in XXXX. I am the sole applicant living in XXXX, seeking to purchase a primary residence in XXXX ( not a community property state ) since I am military and have pending orders for a report date on XXXX XXXX XXXX and close on a XXXX XXXX XXXX XXXX. 

My husband is not an applicant on the loan and I am not financially liable for our home in XXXX so I do not believe such information is required and believe potential discrimination may be occurring due to marital status as the bank has stated they require the mortgage statement and insurance documentation to determine my debt to income ratio. My credit report should have sufficed as the home loan for my husband does not reflect, and two months of bank statements reflecting my activity or lack there of pertaining to our home in XXXX My husband has not authorized me to release his personally identifiable information as he has not requested be an applicant for financing.
Consumer complaint received 2017-11-13
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)

XXXX XXXX is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Said their INVESTIGATION determined that my identity theft ( which was acknowledge by the IRS ) was / is unrelated to the use of my information to get medical treatment. The IRS does not respond to 3rd party requests. It is very difficult for me to get through to the IRS on my own account. So how did XXXX arrive at that conclusion My signature is not shown or seen in any of the documents given XXXX XXXX has sent me a bill with a different address than my own from XXXX. 
The address written in for the affidavit was the address used at the time of fraud I have NEVER resided at XXXX XXXX XXXX XXXX in XXXX XXXX XX/XX/XXXX is the date of the letter not the date the letter was actually sent. No correspondence From XXXX was received until XX/XX/XXXX A spreadsheet with names and numbers does not verify this accounts as being mine. 
The bill also had a name I do not know and am not associated with. 
My research show that the insurance for that bill was with XXXX am with and have been with XXXX XXXX XXXX ( please see attached docs ) In their response to the CFPB XXXX   claims to DEMOGRAPHIC information provided by XXXX. What information would that be? 
XXXX XXXX 's investigation and reporting are not lawful
Consumer complaint received 2024-05-07
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Rocket Mortgage, LLC (WA)

In XXXX I had a couple of financial hardships due to XXXX pandemic. I contacted my mortgage company Rocket Mortgage. First we had a payment modification, it lowered the payment to {$50.00} which I made those payments. Then we entered in to a forbearance. that stated if i make XXXX consecutive payments of {$1100.00} we would do a loan Modification. I completed that and the loan modification was done. I went to check my credit report and it showed that I was 180 days late. This is a violation of the CARES act. 

Mortgage Forbearance : The CARES Act provided relief for homeowners facing financial hardship due to the pandemic by allowing them to request forbearance on their federally backed mortgages. Forbearance allowed borrowers to temporarily pause or reduce their mortgage payments for a specified period, typically up to 180 days, with the possibility of extension. 
Credit Reporting during Forbearance : Under the CARES Act, if a borrower entered into a forbearance agreement with their mortgage servicer, the servicer was required to report the loan status to credit bureaus as " current '' if the borrower was current on their payments before entering forbearance. This provision aimed to prevent borrowers from being penalized on their credit reports solely due to the pandemic-related financial hardship. 
No Negative Impact on Credit Scores : Borrowers who received mortgage forbearance under the CARES Act were generally protected from negative impacts on their credit scores. Credit reporting agencies were instructed to ensure that mortgage forbearance did not adversely affect borrowers ' credit scores or creditworthiness. 
Communications with Creditors : The CARES Act also required mortgage servicers to work with borrowers to provide accurate information about their forbearance status and ensure that borrowers understood their options for mortgage relief. This included providing clear and timely communications about the terms of forbearance, any changes to mortgage payments, and the impact on credit reporting.
Consumer complaint received 2024-04-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (FL)

Under the Sweet v. Cardona Settlement, it was determined my school ( XXXX XXXX University- which is the subject of other lawsuits as well ) committed fraud and my federal loans were ordered to be XXXX and refunded. Private loans taken under the same principle ( being misled by the aforementioned fraud school ) should be XXXX and refunded as well. I have received news that there are applications from Navient being sent out regarding the topic and it's only being offered to certain borrowers. They are being very XXXX about it.
Consumer complaint received 2017-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX XXXX keeps changing the status of this account on my credit reports. First they were reporting that this account was included in a bankruptcy ( which I never filed for ). I immediately disputed that information and the bakruptcy was removed. Then the account was showing as a XXXX balance now this month it is reporting from XXXX balance to a balance of {XXXX}. This information is incorrect. XXXX has finally removed this account off my report. Transunion just changed my report adding this balance from XXXX to XXXX which caused my credit score to go way down. This account has been agreed upon to remove off my credit reports. Every month it keeps changing and XXXX XXXX XXXX XXXX XXXX keeps adding additional information in the comments which is affecting my credit score in a negative way. How can a previous month report as a XXXX balance then this month report a balance of {$6600.00}. This was finally corrected and now were back to square one. I spoke with XXXX XXXX XXXX months ago and this problem was rectified now it 's reporting as I missed a payment that is 30 60 90 days late. This is crazy and I am submitting this complaint about XXXX XXXX XXXXXXXX XXXX/transunio/XXXX about reporting false information and not fixing my credit report.
Consumer complaint received 2017-11-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY (VA)

I have HELOC and a checking account with TD Bank for past 8 years. I have been paying on time via online banking schedule. In XXXX of 2017, for some reasons, TD bank received online banking check on XXXX, which was the due date, but TD bank decided to draw money from my checking account leaving balance in RED. When I called the bank, they looked everything and said you have been paying ontime and recommended to pay one or two days early so if there is a delay, it can be accommodated. So I changed my payments to 3 days in advance. 

For next three months everything was fine. In XXXX, TD Bank received the check on XXXX but their system decided to charge me again on XXXX leaving my checking in RED. So I called them. This time, I was told that 8 years ago I signed a paper and allowed TD to have direct deposit. When I argued that if I am paying in advance should bank be doing that. Customer support agree but could not move my money back to checking account. So I spoke with their supervisor and demanded to send me papers that shows if customer is paying in advance, TD is still authorized to have direct deposit. I was assured that I will receive these papers. I have NEVER received these papers. Meanwhile they continue to charge me illegal overdraft fee, maintenance fee etc. So I went to their branch in XXXX. After several days, I was told that I am responsible for the mistakes of their system. I do not mind paying fee if it is my fault. But it is banks fault and they are accepting mistake but refusing to waive illegal fee.
Consumer complaint received 2021-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (MD)

- Nelnet accounts show late even though I have proof from Nelnet that my account was under forbearance ; forbearance negates the necessity of making payments and no late payments are collected during this time.I 've disputed and shown this proof to XXXX  and XXXX  but they've done nothing to update this - Nelnet account shows my full balance owed on the account but I've already fully paid and closed out the account
Consumer complaint received 2017-11-13
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC (NY)

I have had a mortgage for the past 18 years from mid XXXX 's to current. My mortgage has been sold 4 times over the course of the last 4 years. Prior to getting the mortgage sold I re negotiated with the lean holder and in a loss mitigation program.
But before being sold I had made the the 3 months of trail payment which were successfully, a new agreement was signed and notarized. Upon the sale the next mortgage holder accepted the terms and conditions and then the mortgage was sold again to Ditech which is when in XX/XX/XXXX they started to play games and ask me to open up a new loss mitigation program because they did n't want to honor a binding agreement with the previous lean holder. I refused on account of them wanted to raise my interest rate back up from 2 % to 8 %.
I will attach this agreement if I am able to send to you. Now I am foreclosure and attorney has suggested that I file a complaint with you.
Best Regards XXXX
Consumer complaint received 2017-11-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Re : Complaint Against Bank of America Institution On XX/XX/XXXX I received a personal check in the amount of {$100.00}. I have the Bank of America App on my Smartphone device and I used this app to deposit the check into my checking account as I normally do when receiving a personal check. The only difference is that I split the check to put {$50.00} into checking and {$50.00} into my savings account. I received a confirmation that this had been done. Two days later while checking my account I found that the monies did not go into either account but instead Bank of America took {$100.00} out of my savings and {$100.00} out of my checking account and then placed a hold on both accounts.
It took two days and multiple calls and even visiting a local branch before theyd agree to put my monies back into my account that they illegally took out. Mind you though that they still had a hold on my check. At the advice of the rep I spoke to over the phone, the suggestion was made that I go into the bank and present the physical check to them and the hold would come off, but this never happened. The took my physical check and deposited and a day later I found it was rejected and that the initial 10-day hold would still be in effect. The monies from the check has come out the account of the person that gave me the check over a week ago and Bank of America is still insisting on holding the check until XX/XX/XXXX. The reason they are holding the check is merely because I tried to split the check between two accounts. Their app allowed me to do this and even gave me a confirmation that it was done.
I called again today and spoke with a supervisor who called their Risk Department and I was advised that they couldnt release my funds because they didnt have a good image of the check. This upset me because it was a lie. They had perfect image from my phone deposit and they have the physical check from the bank.
My main concern and contention is that if were not allowed to split checks why does your banking app initially allow it? Why wouldnt you put a disclaimer on the site, so your customers dont have to go thru this? And if this is the banking institutions failure why as the consumer must we suffer for it? And heres the biggest thing. Bank of America has had my XXXX for over a week making interest off it and refusing to give it to me until theyre ready which will be XX/XX/XXXX. This is illegal and although its only a XXXX my rights are being violated and Im thinking of seeking legal counsel. The rep on the phone told me that this happens all the time, and she agreed that they should do something about it, but they dont? The reason they dont is because theyre benefiting. I want to make sure they dont do this to other people.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX
Consumer complaint received 2017-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (IN)

XXXX XXXX XXXX AND XXXX XXXX XXXX HAVE 2 XXXX XXXX CREDIT CARDS. WWHEN APPLYING FOR THE CARDS THE CREDITOR PULLED ALL 4 BUREAU 'S ( XXXX, XXXX, EQUIFAX & XXXX ). SEE ATTACHED.
ON OR ABOUT XX/2015 THESE 4 ACCOUNTS CEASED TO REPORT ON XXXX.
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (NJ)

I have been a victim of XXXX Credit Card opening. 


Account name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account number : XXXX The card was opened with XXXX XXXX without my knowledge and authorization on XX/XX/XXXX I have been disputing this account since XX/XX/XXXX. 



But the company gives irrelevent excuses to me and mark it as not fraudulent. 
Till now company reached out to me 5 times. 



XX/XX/XXXX- they said I paid this account in settlement on XX/XX/XXXX for {$350.00}. 



XX/XX/XXXX - They sent me a letter regarding my dispute with the credit bureau. 



XX/XX/XXXX - The company said they can not make changes to my account .... XXXX knows what changes they want to make. 



XX/XX/XXXX- they say I have a balance of {$330.00}. Now if the account was closed on XX/XX/XXXX then where did this amount came from. 



XX/XX/XXXX - Company needs more time. XX/XX/XXXX - Letter from XXXX XXXX XXXX XXXX, they completed investigation while same day I get other letter stating company needs more time. 



I am not challenging company 's integrity, I am just challenging the unfair mean done to me by someone unknown and company is not properly investigating on it.
Consumer complaint received 2020-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: CORELOGIC INC (AL)

The satisfaction of mortgage for REF # XXXX that was filed with the XXXX XXXX XXXX in XXXX, AL is incorrect. My ex-husband is listed on the document as the Borrower. This is a property that I owned before the marriage and my ex-husband has XXXX interest in the property. My divorce decree is on file with the same courthouse in which the satisfaction of mortgage was filed.
Consumer complaint received 2017-11-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WINN LAW GROUP, APC (CA)

XXXX XXXX, 2017 XXXX XXXX XXXX with held the fund {$2200.00} in my bank account due to a Notice of Levy Under Writ of Execution in the amount of {$30000.00}. I did n't know where this debt came from. I received a judgement letter notifying me of the bank levy on my account after the withdrawal had already taken place. I was short on all of my rent and bills. I
contacted the Winn Law Group that filed the judgement and asked to provide me more information on the debt amount, but I was given the run around with no resolves. I did sent them a follow up letter regarding clarifying the debt and collection.
In addition, I contacted the Sheriffs department that executed the bank levied but they ca n't help me or release the funds. 
I check my credit report on with 3 major credit reporting agencies and found no debt or collection account in the judgement letter.
This collection is a misrepresentation on the part of the Winn Law Group and falsifying the judgement with the local court. 
I 'm a XXXX XXXX and low income with my wife and XXXX children. I need the CFPB to help me investigate the law firm and get my funds release with XXXX XXXX XXXX. So I can pay rents and living expenses. 

Thank you
Consumer complaint received 2021-08-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CNG HOLDINGS INC (MI)

On XX/XX/2021, XXXX sent a certified debt validation letter to security credit services requesting a list of information proving I owe this company debt. The company did respond on XX/XX/2021 but failed to properly respond to the debt validation letter as required.
Consumer complaint received 2017-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (MA)

This complaint is a follow-up to # XXXX. Amex 's Underwriter demanded earning income from my wife and I, and stated that he would close my account if I did not comply. I clearly stated that my wife and I file incomes together and she is not on my account. I also provided CFPB complaint documentation on XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. XXXX was investigated by the FBI and found to have forged my signature and documents. These two companies have harmed my credit and I am seeking damages. I have retained the services of an attorney but my credit has been destroyed. XXXX XXXX XXXX filed false credit information which has affected my credit. Amex did submit a letter dated XXXX XXXX, 2017 which I had never seen nor had knowledge of. Based the actions of Amex I was coerced into canceling my Gold Card of 15 years. I had never missed a payment nor had I been late.
Consumer complaint received 2017-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have a XXXX credit card. They reported back in XX/XX/XXXX a balance of {$500.00}. It is now mid XX/XX/XXXX and they still are not updating the credit bureaus that the balance is XXXX. I spoken to them several times with no help.
Consumer complaint received 2017-11-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

On XX/XX/XXXX I received a letter from National Credit Systems , Inc indicating that I owed them {$9100.00} and that the original creditor was XXXX XXXX XXXX XXXX. Therefore on XX/XX/XXXX I mailed a validation letter requesting information regarding the account. I lived at the XXXX XXXX XXXX and when my lease expired I moved. I left the apartment clean also. The owner is taking advantage of me and my family. I believe that they are taking advantage of me because of my limited English and country of origin. I am requesting that they provide proof of the debt that they claim I owe them. This account is impacting my ability to find a safe place for my family and impacting my credit report.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.