davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-30
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. (LA)

I am a victim of identity theft and I have noticed some unauthorized inquires unverified and unauthorized items must be removed. I have listed the items I would like to dispute below.The items I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time.

18 U.S. Code 1028A - Aggravated identity theft- ( A ) ( 1 ) Whoever, during and in relation to anyfelony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 
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 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 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 XXXXXX/XX/XXXX THIS IS DEFAMATION OF MY CHARACTER AND I WOULD LIKE ALL UNAUTHORIZED ADDRESSES AND INQUIRES REMOVED FROM CREDIT FILE. ACCORDING TO 14 U.S.C. 1681 g ( a ) ( 5 ) A CONSUMER REPORTING AGENCY SHALL NOT FURNISH TO ANY PERSON A RECORD OF INQUIRIES IN CONNECTION WITH A CREDIT OR INSURANCE TRANSACTION THAT IS NOT INITIATED BY A CONSUMER. Under section 604 of the Fair Credit Reporting Act ( FCRA ) explains that the permissible purposes listed in FCRA section 604 ( a ) ( 3 ) are consumer specific, and it affirms that a consumer reporting agency may not provide a consumer report to a user under FCRA section 604 ( a ) ( 3 ) unless it has reason to believe that all of the consumer report information it includes pertains to the consumer who is the subject of the users request. The Bureau notes that disclaimers will not cure a failure to have a reason to believe that a user has a permissible purpose for a consumer report provided pursuant to FCRA section 604 ( a ) ( 3 ). This advisory opinion also reminds consumer report users that FCRA section 604 ( f ) strictly prohibits a person who uses or obtains a consumer report from doing so without a permissible purpose.
Consumer complaint received 2021-11-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (UT)

Hello, The past four ( 4 ) years I have been making pre-payments on property taxes so that my mortgage payment won't increase. 

Please see attached pdf files where I have been communicating with M & T Bank this year that I made a pre-payment of {$1300.00} and to only pay {$1400.00} from Escrow. 

My mortgage payment should not be increasing. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-02-08
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. (MN)

The public record of Chapter XXXX Bankruptcy listed on my XXXX and Experian credit report is inaccurate and not my public record. The following credit inquiry listed on my XXXX credit report is fraudulent and unauthorized : XXXX XXXXXX/XX/2020. The credit inquiry is not my credit inquiry.
Consumer complaint received 2017-12-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Pacific Union Financial, LLC (AZ)

I fell behind on my mortgage summer XXXX tried to catch up, thought I worked out a payment plan with XXXX XXXX and it append that I did n't, My wife was diagnosed with XXXX XXXX XXXX, had XXXX when she was 6 months pregnant I had to pay upfront for her XXXX plus all the time off from work for booth of us, with hardly no pay, she was of f work for almost XXXX months, gave birth on XXXX XXXX XXXX her doctor made her take 3 months off work, I was laid off so I was out of work for almost 3 months a total of XXXX months with no income, I tried to work on a modification with XXXX XXXX in XXXX XXXX, the person working on my Modification would not have a result I called every other day to get a response, nothing no result, the last day of the modification I was notified that the person working on my modification never got to do it because she forgot those were the reps words, then I was denied. XXXX applied for a modification waited more than 30 days and was then again denied, XXXX applied for a modification and was then again denied no significant reason was given to why I was denied, every time I called I was given a different story, after several packets being denied on XXXX of them the agent working on my modification had added another persons income information to my loan and I was denied I XXXX applied because the information they had was not mine, I was finally approved XXXX/XXXX/XXXX when I was told by a rep. I received the modification approval letter by mail on XXXX or XXXX I called them again, asking why I received the letter so late rep stated that I should of received it sooner and that my first payment for the modification is XXXX/XXXX/XXXX for XXXX I told [ d the rep I do n't have that money right now, his response was well you have n't paid your mortgage you should have of saved that money so you can pay so you have to pay. it is not their business to know if I have money or not, I recently left a job and started a new job on XXXX/XXXX/XXXX I was out of work for XXXX weeks, no pay. they do n't take in consideration and I was told so many different stories on my modification it is silly, and frustrating, I honestly do n't wish to loose my home but they can not send me a letter with in a couple of days saying I have to pay so much or my modification will be denied, and I will loose my home. I feel I have been played by XXXX union plenty. I need help to get this resolved I wish I would n't of use my mortgage money to pay for my wife 's XXXX but everything happened so fast.
Consumer complaint received 2017-10-03
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NATIONWIDE ACCEPTANCE LLC (TX)

I asked for verification of the alleged debt that is charged-off. I have not received a response on the verification of this debt and this company continues to increase the balance of the charge-off as well as the high balance on my credit report at all three credit bureaus. 
On XXXX XXXX, XXXX I contacted them over the phone and asked why this charged-off account is continuing to increase without verification he along with his account manger stated that interest still accrues after charge-offs. I do n't understand how a debt can be reported that is n't verified. I contacted them several times and have not been successful at all. I contacted in XXXX XXXX and XXXX XXXX as well.
Consumer complaint received 2017-12-08
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Student Loan Finance Corporation (CA)

Where do I begin with my complaint? I started attending XXXX XXXX XXXX in XXXX XXXX, I began attending the school when I was XXXX XXXX XXXX. I was able to do this prior to turning XXXX XXXX XXXX per the advice of XXXX XXXX who was helping me with the loan process on XXXX/XXXX/XXXX. I planned to return to complete loan documents after my birthday but the finance rep XXXX insisted I complete the loan process that day. I was advised that I could change my date of birth to XXXX to make myself older and apply for the loans on my own since my parents were unwilling to assume a loan under their names/credit. I was under the age of XXXX when I signed for all school documents. I was taken advantage of and manipulated. I have been dealing with these insurmountable loans since then. I did not find work in the field I attended school for ; due to the fact that I could not survive and pay these loans back with the minimum wage jobs available to me in the culinary field. I recently went to the school to pick up loan document ( I had to hurry because the campus is now closed ) copies but was only provided with enrollment paperwork ( which does n't include loan application details ). I have tried to take responsibility for this debt but have come to the conclusion that I need to speak out. I have given this information to different reps which answer phones at the loan companies. I have contacted lawyers but could not afford to hire onXXXX. I know the school has been sued in the past for their shady business practices. They have lost lawsuits paid out thousands upon thousands in damages to the victims. I am unfortunately one of the ones that is still suffering with the burden of debt. The answers I have received from account reps are well you lied so too bad you still owe this money. I was not of age of consent and was taken advantage of by people that were desperate to sell a loan. The amount of stress and worry which has effected not only my credit but life ; I do not wish on anyone. It is so unfair and wrong.
Consumer complaint received 2017-12-08
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CO)

Sir or ma'am, I am a resident of the state of Texas and an XXXX XXXX XXXX XXXX currently stationed at XXXX XXXX, CO. I am writing to you for any help that you XXXX be able to offer in a very unique case. 

I bought a home in XXXX XXXX in XXXX with my then wife. In XXXX, we divorced. As a part of our divorce decree, the property was not immediately sold ( my intention was that my XXXX children would not be forced out of their home ) but rather the decree stipulated that my ex-wife must make all reasonable efforts to refinance or sell the property within 12 months. That did not happen and the mortgage debt and bad credit reporting remains in both our names still. 

In XXXX, after we were no longer married, Wells Fargo initiated the foreclosure process on the jointly owned property. The foreclosure was soon thereafter stopped citing protections under the XXXX XXXX XXXX XXXX ( XXXX ). Foreclosures were initiated again in XXXX and XXXX and also stopped again because of the XXXX. At this point, the mortgage has not been paid by my ex-wife in over 7 years and Wells Fargo still refuses to carry through with the foreclosure, despite me waving my rights under the XXXX. 

As you can imagine, my credit has been catastrophically damaged by this and I am still not able to provide a home for my family, 10 years after our divorce. A federal statute that was intended to protect my rights is being used against me so that Wells Fargo may avoid further inquiry by the XXXX Department, as they and other banks have been under for the many number of illegal foreclosures that have been in the news over the past few years. Wells Fargo has been unable to contact my ex-wife in order for her to wave her rights under the XXXX. I do n't even understand how she has " rights '' under the XXXX, as we were not married when they initially started the foreclosure process. I have tried many different approaches with the bank and have each time been told " there is nothing they can do ''. I understand that I am not without fault in this situation. However, I also realize that my credit would have recovered from a foreclosure or even a bankruptcy in the 10 years now since our divorce. I am feeling hopeless and as if this situation is unjust for all parties involved. 

At this point, my credit has suffered enough. I do n't even know what to ask for in regards to resolution to this case. I am simply asking if someone who has a larger scope regarding this issue can help find some sort of resolution so I can move forward and provide for my family. 

It is also my understanding that there was a foreclosure by the XXXX and then their interest was sold to a third party investor who is now trying to evict them from the property. I am quite sure there are other legal details and points of fact that affect this case that I may not even be aware of. Please help. I am glad to offer any further details upon request. 

Thank you,
Consumer complaint received 2024-01-30
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. (OH)

By the provisions of the Fair Credit Reporting Act, I am submitting this request to request that the account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX : {$5000.00}
Consumer complaint received 2020-10-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (MI)

AS A ORDAINED MINISTER I HAVE A HOUSING ALLOWANCE OF $ XXXXYR. AMERISAVE, MY LOAN COMPANY, SAYS THAT THIS AMOUNT IS NOT INCOME BECAUSE IT IS LEGAL 501C AND IS NON TAXABLE. 

I WANT TO KNOW WHY THIS LEGAL INCOME IS DENIED AS INCOME FOR MY REFINANCING.
Consumer complaint received 2017-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (VA)

I recently disputed a bankruptcy reporting on my credit report inaccurately, And it came back as verified, I have contacted bankruptcy dept and they then informed me that they never verified anything and that info came from 3rd party verification which only verify address name and last four of ssn ... Which is not me and is a family member with the same name is me who has previously committed fruad under my name I would like this to be removed from my credit file or this to be sent up to a executive manager to be reviewed cause bankruptcy info is inaccurate and dont belong to me and need to deleted, Thanks wrong person
Consumer complaint received 2021-02-08
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (NC)

I saw an add for the Amazon Synchrony Credit Card while looking at making a purchase. The advertising said that I could sign up for the card and use it to make the purchase with a payment plan. I signed up for the card and was unable to use the card for 7 to 10 days. I was told to contact synchrony to obtain assistance and there was no available help.
Consumer complaint received 2020-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

XX/XX/XXXX mailed dispute method of verification & my drivers licence with my permanent address where I have lived since XXXX to Experian for them to show how they verified the incorrect bankruptcy on my report. 
XXXX received email from Experian stating they stared my dispute. 
XX/XX/XXXX received email from Experian stated they verified the bankruptcy and completed investigation, did not tell how or where it was verified from. 
The record is incomplete and inaccurate for court name, ref number, amount, etc. 
XXXX was NOT able to verify the record due to inaccurate information and removed from my record in XX/XX/XXXX. 
XXXX  was NOT able to verify the record due to inaccurate information and removed from my record XX/XX/XXXX. 
My XXXX file is frozen, they couldn't have verified it from there. 
Per my FCRA rights Experian is in direct violation of my rights, bankruptcy needs to be deleted from my report immediately. 
You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. See www.ftc.gov/credit for an explanation of dispute procedures. 
Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.
Consumer complaint received 2017-10-03
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. (CA)

this account should not have any negatives ( late payments ) i have even received a letter from the creditor for which they have approved of this being ok to be removed. 
please help me to remove this negative from experian credit reporting agencies thank you letter attached
Consumer complaint received 2021-02-09
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (OR)

I have Proven time and time again, and XXXX, Equifax, XXXX XXXX, all agreed account with XXXX XXXX was opened fraudulently!!!! Yet XXXX keeps it on my report lowering my scores due to the fact that if you look on my credit report. It shows deleted! Then put back on. I've disputed over 30 times due to XXXX false reporting. I've submitted written proof of this as well as paying {$170.00} debt the company keeps lieing about. Even though not mine. I only did on XXXX PROMISE THEY WOULD REMOVE ANT BOOST MY SCORE. I EVEN ADDED UTILITY BILL, RENT PAYMENT, NEW BANK ACCOUNT AND XXXX HAS STILL DONE NOTHING THEY PROMISED WOULD BE DONE, TO INCREASE MY SCORES. IF YOU WANT PROOF CALL ME SO WE CAN ARRANGE MY SENDING ALL DOCUMENTS CONFIRMING THIS IS TRUE AND CORRECT. XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2017-12-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (NC)

I went into a local branch and closed my checking and savings account. It was brought down to a XXXX balance and I was told it was closed. I notified them that my direct deposit would be sent that friday and they reassured me it would be rejected by the bank and returned to the employer. The next day there was a credit reversal posted to the account. First thing Friday morning the direct deposit showed as pending on the account. I immediately went into a branch and talked to a banker. After calling customer service I was told there was nothing that could be done because there was a negative balance. They advised me to have my employer to reverse the deposit. They were unable to due to insufficient funds. Now I can not pay my bills because wells Fargo refuses to release the funds they assured me would never be accepted.
Consumer complaint received 2017-12-08
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: JPMORGAN CHASE & CO. (NV)

I have a credit card with Chase Bank. My credit limit is {$7500.00}. As a courtesy, they paid and item that caused my account balance to be {$7500.00}. They have submitted to all three credit reporting bureaus that I am " over my credit limit '' which has caused damage to my credit score with all three credit bureaus. Yet what they did was a " courtesy, '' rather than decline a transaction, even though my credit limit was only {$7500.00}, they decided on their own to give me a little extra credit. I was not consulted on their decision. But this damages my credit score. 

I just called a credit counselor who has been assisting me with keeping my credit clean and he told me that Chase 's " negative report '' has caused my credit score to drop 30 points or more. 

I have a loan pending with a bank, and now my bank is giving me grief. 

The fact is, with my Chase card, I pay my statement in full each month by the due date. Yet Chase has made this negative report on me. My entire credit report shows that I pay all of my bills on time each month, and this is the only negative item on my credit report. My credit score with TransUnion dropped from about XXXX to about XXXX over the last month. 

I contacted Chase Bank and they admitted that this is a fluke in their system, where they will only do credit reporting one time a month and the day they reported it, my balance was {$7500.00}, due to their courtesy of paying an item that caused my balance to exceed the credit limit. I asked them to remove the negative item and they declined. 

The result is that my credit score is being damaged, solely by their actions, and not by anything I have done.
Consumer complaint received 2020-10-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I provided payoff funds for my Bank of America mortgage on XXXX XX/XX/2020. However, I inadvertently did not disable the automatic mortgage payment to Bank of America from my XXXX XXXX checking account. As a result, a payment of XXXX was made to Bank of America on XXXX XX/XX/2020. From that time, I have been endlessly trying to get Bank of America to refund the payment. I have made over a dozen calls to BoA each with a hold time in excess of one hour to speak to a representative. Each time I am told that it is being taken care of or that I will be " called within three days ''. BoA has never returned a single call or made any effort whatsoever to return the funds. I filed a bill pay  claim with XXXX XXXX and am told that XXXX XXXX is not able to reach anyone from BoA. I also filed a claim with the Office of the Comptroller of the Currency ( XXXX XXXX ) however they sent me a summary letter saying that CFPB had jurisdiction. This has been very frustrating because it's an incredibly simple issue but Bank of America has been completely useless at solving the problem and intransigent about taking any real action to solve the issue.
Consumer complaint received 2017-11-29
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TekCollect Inc. (MD)

I contacted XXXX in order to obtain documentation and information on my account. However, upon speaking to the manager of my account, XXXX XXXX, I was advised that they would not provide me with anything from them unless I made a payment, signed a piece of paper, took a picture of my signature and sent it to them. Then, upon receiving the image, I was advised, by XXXX XXXX, he would send me an email receipt. I advised him I could not make a payment yesterday and did not feel comfortable sending my signature in that manner. He laughed and said he would not send me anything and when I asked to speak to his manager or someone else he laughed again and stated, No, you will not be able to speak to my manager and my manager does not want to speak to you, call back when you are able to pay, until then, have a nice day ( continuing to chuckle ). When I tried emailing them through there website and social media accounts requesting to speak to someone other than XXXX XXXX, they blocked me.