davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TN)

Hello, I have been with Loancare for the good part of 7+ years. Due to the covid crisis, my tenant was unable to make their rental payments and I entered into a forbearance back in the summer of XXXX. This was a 6 month forbearance in which we entered into a loan modification agreement in XXXX of XXXX. Papers we signed, notarized and received by loancare. This modification had a new monthly payment with payments beginning in XXXX of XXXX. I was informed many times that my information on the website would be updated in 60-90 days and once complete, I would be able to resume making payments on the agreed upon amount through the website. XXXX came, then XXXX, then XXXX and calls to customer service were the same story. Confusion as to why it was not updated, assuring me that a ticket would be open and that 1. this would get resolved and 2. a supervisor would contact me ( as requested ). All throughout this time payments were made on time. Now here comes XXXX, where to my surprise the status of the situation is unchanged but now we have a new revelation. When calling ( and waiting 30 minutes to speak to the first representative.. every time ) to make my monthly payment, I was told that I have been entered back into forbearance on XX/XX/XXXX ( of which I have not requested ). When I challenged this, I was put on hold for over 45 minutes until I decided to hang up. This entire experience has been extremely stressful. I do not know what my mortgage balance is, what my escrow is, what my statements look like or even how my monthly payments are being applied ( if they are being applied at all ). Is my mortgage still being reported as in forbearance so federal benefits can continue to be collected? I would hope not as that would be a major fraud case. Who can actually help me with this situation?
Consumer complaint received 2021-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CO)

There is an old account with XXXX XXXXXXXX XXXX  on my Equifax and XXXX report that should no longer be on there. It is an aged account and past the statute of limitations.
Consumer complaint received 2020-01-27
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: ID Analytics, Inc. (GA)

Checking my credit one again I notice several accounts that i do not know about, I have been victim of identity theft, a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.
Consumer complaint received 2021-07-07
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. (NY)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days 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 the hands of the wrong person.
Consumer complaint received 2021-07-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (OH)

PNC BANK sent my wife and I mortgage statement dated XX/XX/XXXX, which states we owe them an additional {$100.00} for past fees in XXXX, ten years ago. I spoke with two representatives at PNC BANK on XX/XX/XXXX. Their names were XXXX and XXXX in the XXXX, Florida office. They said that the fees were associated with five faxes at {$20.00} a piece in XXXX. I asked them for information on these faxes : Names, dates, times which PNC representative sent them and to whom these faxes were sent. They did not have information on these charges but will get back with me in 48 hours. XXXX stated they instituted a new PNC system to recoup these fees and threaten me about back loading my loan with this fee and late charges if we do not pay this! 

We have never missed a mortgage payment with this company or any other previous obligations. We feel PNC is trying to extort money from us or foreclose on this residence. 
This is causing great consternation with an institution threatening our well being especially in todays climate.
Consumer complaint received 2022-04-23
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: Marauder Corporation (TX)

I filed a dispute in regards to the inaccurate items in my credit report. It has been well over thirty ( 30 ) days and I haven't received any investigation results.
Consumer complaint received 2021-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I am XXXX XXXX and I am submitting this complaint myself. These accounts are reporting late as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from this account. 

( XXXX XXXX BANK XXXX XXXX XXXX, XXXX XXXX CT XXXX )
Consumer complaint received 2021-11-29
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (FL)

We were charged by Rooms to Go for an item that was not received. We filed a police report regarding this matter but Sychrony Bank, which issues the Room to Go credit card, has refused to assist us in this dispute since the merchant is not responsive.
Consumer complaint received 2021-06-30
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. (NC)

I have noticed I have many instances of misinformation reported about me, either the misinformation stems from inaccurate reporting, incomplete reporting, reporting of unverifiable information, reporting invalid information, fraudulent reporting of information, or reporting of information I believe is due to identity theft. I have no knowledge of how the misinformation stemming from the above came about to be. I have not authorized misuse of my personal, financial or any information. I have never to my recollection received any benefits of product, services, or otherwise real or imagined due to the aforementioned causative possibilities of misinformation. Please physically verify the validity of any and all notations, every date, the balances and calculations, each accounting record, whether reported or not to include required Metro 2.
Consumer complaint received 2022-10-05
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. (FL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-04-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account on XXXX XX/XX/2021 for no reason and will not help me getting it back up and going. It had XXXX dollars which I had to refund. I am not sure if this is some type of mistake as I assume it has to be. I have not been able to get help despite my effort to provide all the documented details of what they requested to solve the issue, and so I remembered I can file a report here as I feel that the company is not doing its job properly. Their final decision of me withdrawing my money after XXXX  days is really affecting me a great deal since I use PayPal to conduct my business which keeps me going in life. The email that is linked to my pay pal is XXXX XXXX ID : XXXX
Consumer complaint received 2022-08-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (NC)

The utility debt is during a time I was not located in the state. I only lived at the address in question from XX/XX/2020 to XX/XX/2020. The utility service was to have been ended and transferred back to the lease holder of the New York apartment. ( I was subleasing and later discovered I was not even subleasing legally. The landlord changed the locks when I went out of town for a XXXX ) I was not informed of the bills stacking until I received a collection notice.
Consumer complaint received 2021-06-30
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. (FL)

Investigation has taken more than 30 days. I sent the first letter on XX/XX/XXXX and the issues have STILL NOT BEEN RESOLVED. I have asked Equifax for proof of validation for several items but instead I was sent a copy of my credit report. I demand that XXXXXXXX XXXX in the amount of {$840.00} be immediately removed from my credit report. 

Also, per 15 USC 1681b 2 : I demand Equifax Information Services Inc. remove the following inquires as I never gave written instruction to reflect the inquiries : 1. XXXX - XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 3. XXXX XXXX - XXXX XXXX XXXXXX/XX/XXXX 4. XXXX XXXX - XXXX XXXX XXXXXX/XX/XXXX 5. XXXX XXXX - XXXX : XX/XX/XXXX 6. XXXX - XXXX XXXX XXXX XXXXXX/XX/XXXX 7. XXXX - XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-01-27
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: Innovis (GA)

I have received a credit card bill XXXX XXXX, although I've never had a card from XXXX XXXX, I checked my credit an more accounts were showing in my credit therefor I have noted them in this report to dispute them, these accounts below do not belong to me an are fraudulent. I have attach my id to proof my identity in this complaint.
Consumer complaint received 2021-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DC)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. We have been sending written letters since XX/XX/2021 with regards to my request of removing the items in question and my last request was sent XX/XX/2021. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXXXXXXBalance {$6400.00} XXXX  XXXX-XXXX-Balance {$13000.00} XXXX XXXXXXXXBalance {$2200.00}
Consumer complaint received 2021-06-30
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. (OK)

I submitted certified letters to XXXX, Equifax, and XXXX advising I've noticed violations under 15 us code 1681 and 15 us code 1681b ( FCRA ). The following accounts were inaccurate. I have not received any correspondence that the investigation has been completed or documents with signature.
Consumer complaint received 2021-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (UT)

Lowe 's is reporting a debt on my credit file that I do not owe. I recently took a look at my credit file and noticed this debt. This debt is very old and past the statute of limitations in Utah. Under the FDCPA I no longer have to pay on this debt and lowes can no longer make any collection efforts which includes credit reporting. I do not owe this debt and it needs to be removed off my credit file.
Consumer complaint received 2021-06-30
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. (NY)

called bank to inquire about rates, then they ran a credit inquiry & called it a mortgage application, but I never made ANY credit application of any kind. I called them & told them I saw their mistake. They promised to remove it from my name & sent me a letter detailing that it is their mistake & that I never made any sort of application. They said it could take up to a month for it to disappear from my credit report. It has been 1- 1/2 months & it's still there, on my record. I want it removed.
Consumer complaint received 2018-02-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

This complaint is in regards to Wells Fargo. I had made many attempts to try to resolve the issues and catching up with my payments with Wells Fargo. However, things are not working out and I am being given a hard time. As I'm trying to make the payments to them I had ran across some difficulties. While I tried and good faith to give as much as I can to Wells Fargo is still was not enough for them. I was promised by Wells Fargo that they will work with me. However, I started to learn that Wells Fargo was doing things behind my back without my knowledge. 



I am facing foreclosure when I thought I was working things out with them. I had some setbacks. One with my young daughter ending up in the hospital in summer and fall, and having to run many tests for months. Back in XX/XX/XXXX I was hospitalized and needed a XXXX XXXX. I was not able to work for a while and slash or do things that I needed to do the job. Causing me to fall further behind on the mortgage payments. I am still in XXXX XXXX after the XXXX. Which I am currently under the doctors care until I completely heal. 



.
Consumer complaint received 2021-06-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (CT)

Ally Bank sent me a letter indicating that they had passed unencrypted user names and passwords to third parties due a website error. This, according their letter, happened in XXXX yet the notification letter was sent to me on XX/XX/XXXX. 

In a media statement to me Ally acknowledged that this data was sent to these third parties in the clear as part of a website bug. They have refused to provide a list of who these third parties are but have acknowledged that not all of these third parties have actually deleted the data. 

This is a serious security issue and Ally is not forthcoming. They need to level with customers what data they sent to these third parties, who they are, and why that data hasn't been deleted yet. 

I covered this in more detail here : XXXX XXXX XXXX? XXXX
Consumer complaint received 2020-01-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: DISCOVER BANK (CA)

I was contacted by Discover Bank in XX/XX/2019 and told to reach out to them regarding my checking account. When I contacted them I was told that my account was being closed and that they needed an indemnity agreement in order to receive any funds that were in the account. I reached out to all of my banks at that time and asked for this letter and was met with confusion on their part as to why this was necessary for Discover to release my funds to me. I reached back out to Discover in XXXX and was told that I could wait 90 days and would receive a check from them. I waited 90 days from that time and did not receive any check. I reached back out to Discover in XXXX and was told the same thing yet again- that I needed an indemnity letter from another bank and when I told the supervisor I was on the phone with that I was told that I would receive a check in 90 days I was told that I had been given misinformation from the person I had spoken to. I have been unable to get the indemnity letter from any of my banks and Discover has been holding my money for 5 months at this point. I'm reaching out to the CFPB in an effort to get any help I can with getting my money back from Discover.
Consumer complaint received 2018-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (WI)

On XX/XX/XXXX I submitted a request via letter to Chase Bank requesting them to investigate several unauthorized hard credit inquiries that they have listed on my credit profile. 

I requested that they either provide me with physical documentation validating these inquiries, or, that they remove them immediately as they are damaging to my credit profile. 

Chase had applied SEVEN hard inquires onto my credit file without my knowledge or permission with the exception of 1 inquiry ( business credit card ). 

The inquiries that I requested be investigated were made on these dates by Chase : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

I have been a long time Client with Chase, having both a business and personal checking with them. Never once have I needed them to acquire my personal credit profile, with the exception of the 1 inquiry that I do acknowledge.

I can not stress enough, these hard credit inquiries were not authorized by me with the exception of ONE. I can not recall which date it was, but one inquiry is only valid. Not seven. 

As noted above, on XX/XX/XXXX I requested Chase to investigate. On XX/XX/XXXX, I received a response via letter telling me that I did in fact submit applications. I did not in any matter submit anything. 

Chase did not investigate anything, they failed to move forward any due process in this matter. They failed to provide me with any documentation showing these alleged applications I submitted.
Consumer complaint received 2018-02-14
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC. (PA)

Exeter Finance sold my loan to XXXX XXXX XXXX and only got a letter in XX/XX/XXXX from Exeter Finance and XXXX XXXX XXXX   place my account on credit bureaus with out mailing me anything no letter nothing by law I have 30 days to dispute the amount or the situation of the loan. 

Exeter Finance has bought back the loan and by law broke a lot of my rights with this loan and has yet to clear them up in a timely matter.
Consumer complaint received 2021-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO. (NY)

My credit card account was compromised on XX/XX/XXXX at XXXX. My account information was changed, email address, password, and address. ~ {$550.00} worth of rewards points was used to purchase gift cards that were rush shipped for a {$10.00} charge to my account to an address in XXXX, AL. From speaking with Chase customer service it appears access was given to my account using the XXXX code as a 'security ' question. XXXX code is not a security question, it's on the card that is ostensibly compromised. This is gross negligence on the part of Chase that lead to my account and private information being compromised and incurring charges. It took me 4 hours and speaking to 7 different representatives to get this information. Throughout the call no one was able to tell me how my account was compromised and I was passed between departments forcing me to wait 30 minutes each time and starting over in my inquiry each time.
Consumer complaint received 2022-04-23
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. (FL)

I sent a dispute Dated XX/XX/XXXX in for some erroneous, inaccurate, incomplete items that are reporting on my consumer report. I received just update/ verified on the CRA 's app. I have not received any updated credit report from XXXX or XXXX. I also sent in debt validationXXXXand which not one of the CRA 's or debt furnisher validated the debt. I sent in a letter requesting proof of reinvestigation XX/XX/XXXX and gave them 15 days from the receipt of the certified letter and I still have not received any information from anyone other than verified/ updated in the CRA 's app. This is a major violation of my consumer rights per FCRA, FCDPA ... XX/XX/XXXX {$230.00}, XX/XX/XXXX {$160.00}, XX/XX/XXXX {$19000.00}, I also requested that my personal information be corrected that it reflects which I sent the CRA 's the information they requested, and they have violated my consumer rights. 15 USC 1681 ( a ) ( 4 ) there is a need to ensure that the credit reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's rights to privacy. I demand all information be deleted of all personal identifiable information from my consumer report Immediately.