davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (NC)

My husband I have a mortgage with Wells Fargo. We got behind on our mortgage in XXXX but made a payment to catch every month up in XXXX, XXXX except one month ( XX/XX/XXXX payment ), This happened right before our home loan went into deferment in XX/XX/XXXX due to a XXXX XXXX hardship. I made the XX/XX/XXXX payment in XXXX, XXXX. We currently owe nothing on our home loan with Wells Fargo for months prior to the date Wells Fargo granted a deferment ( XX/XX/XXXX ). However Wells Fargo has the loan reported as delinquent at XXXX days late on my credit report. Actually they have reported XXXX, XXXX, XXXX, XX/XX/XXXX and XXXX, XX/XX/XXXX as not current and then nothing is reported after that. So when reviewing my credit report it shows the loan as not current and sitting at XXXX days late. I reviewed the credit laws surrounding the CARES Act and it states if the loan is made current during the deferment then the mortgage company must report this to the credit bureaus. I disputed it with XXXX and they investigated and did nothing. They would change nothing on my credit report. We are currently going through a loan modification process with Wells Fargo so the loan is not delinquent and should not be reported as such on my credit report. I am asking your agency to investigate this issue and make Wells Fargo report my mortgage loan correctly as required by the CARES Act. Their actions have damaged my credit and I can not qualify for a loan with any business at this time. It has been this way for over a year now.
Consumer complaint received 2022-08-04
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: CREDIT ACCEPTANCE CORPORATION (IL)

I filed my complaint on XX/XX/22, XXXX XXXX XXXXXXXX responded on XX/XX/22 which is four months later only to not send the verification of this alleged debt. Please not that this is not a request for validation or proof of mailing address but a request for VERIFICATION
Consumer complaint received 2020-01-19
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. (IL)

I am a victim of identity theft. I have provided all the proper documents from identity theft.gov and even more documents and also a police report. Equifax has been 4 months with me, lying. some has told me they took it off. I get a different story every time..
Consumer complaint received 2016-05-24
Product: Credit card — 
Issue: APR or interest rate — 
Company: WELLS FARGO & COMPANY (NJ)

When I applied for the XXXX XXXX American Express Card, I was told there was an introductory APR of 0 %. This was in the Terms and Conditions. Also in the T & C is a statement that no interest will be charged if the balance is paid in full by the due date. What is the point of a 0 % APR if interest will be charged regardless? When I called the bank, from whom I received the card, they told me that that was just the way the card works, no further explanation. I made purchases with the above mentioned card, and in my second statement was billed for nearly {$20.00}.
Consumer complaint received 2022-11-16
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. (FL)

I submitted a letter to the XXXX Credit Bureaus to delete these unverified inquiries. I think you have not validated these inquiries in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-12-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (VA)

Navient contacted me to help me lower my payments. They Charged me {$890.00} to be made in 2 equal payments. The first payment was scheduled for XX/XX/2019 and the second for XX/XX/2019. I went to the bank this morning to make the deposit and the check had already come in and had been returned. I can't get anyone to answer the phone and the bounced check cost me {$32.00}. 
Navient also told me that my payments would be $ 40- {$50.00} per month. When I got the approval from the Dept. of Education, the payments were set at $ XXXX- {$480.00}. I can't afford these payments and they Knew it. They took my money anyway.
Consumer complaint received 2016-10-24
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ascension Point Recovery Services, LLC (ND)

I received a letter in XXXX Mail postmarked XXXX XXXX, 2016. This letter was addressed to the : '' The XXXX of XXXX XXXX. '' Please know that I am not deceased. I feel this is very abusive and unethical manner of trying to obtain information regarding any outstanding debts I may have. Another egregious point is they name their company Ascension Point as if it is some sort of religious or other sectarian organization.
Consumer complaint received 2022-11-16
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)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX - Reference number XXXX THE INFORMATION ON THE COURT WEBSITE DOES NOT MATCH THE CREDIT REPORTING AGENCY DETAILS XX/XX/2022, I sent a letter to the courthouse asking if they report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.
Consumer complaint received 2022-01-21
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. (IL)

I have previously disputed with XXXX, XXXX and Equifax on XX/XX/2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2022-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Nelnet, Inc. (FL)

. I am requesting PROOF OF MY WRITTEN CONSENTED TO FURNISH ANYTHING IN MY REOORT or reporting to consumer agencies.. and responding to XXXX XXXX XXXX of Nelnet customer service dept. nowhere in this letter states how you were authorized without my written consent to furnish a consumer report. Nelnet is in direct violation of FCRA, and consumer laws, pursuant to 15 USC 1681 you need Permissible purpose to report anything on my consumer report you may also be liable for up to {$10000.00} or misdemeanor. I have already proven that identity theft and the unauthorized actions XXXX  has fraudulently obtained and continue to report. 
Inaccuracies, They have not notified the CRA of my dispute, According to 15 USC 1692,1681 A ( b ), the The only way any information obtained has to come from the consumer myself which has not. As well as the privacy laws you are direct violation of. I have a legal rights and consumer rights protected by the federal government and it is being requested to stop reporting on my consumer report since you did not have my written consent to do so. Pursuant to Appendix A To Furnisher rule 660. Your policies must prevent re-aging ( inaccurately changing the date of first delinquency on a consumers account to a later date ) and duplicative reporting, particularly following portfolio acquisitions or sales, mergers, and other transfers ; Not only that but If you are a debt collector furnishing information to a CRA about the accounts of a creditor, you must report the date of delinquency given to you by the consumer XXXX. FCRA 623 ( a ) ( 5 ) ( A ) This " date of delinquency '' determines how long the debt can be reported on a consumer 's credit report. You have now lied via mail if my rights and violations you have infringed on. 
I have still no information or correspondence regarding how Nelnet got my written consent to furnish anything on my consumer report. Unless they did so without it. At this time it is also been passed 30 days for conducting a proper investigation, it is clear that Nelnet has not notify the CRA of this dispute and proof of my written consent and show me where I gave up my rights to thereof. I have already requested documents pursuant to FTC laws and identity theft investigation and clearing my name, Nelnet has not provided the documents under this code. They have not provided my written statement proving I gave them consent to furnish anything on my consumer report. But yet responding to irrelevant nonsense. As stated by the federal trade commission : If you dont comply with the FCRA, you may be sued by the FTC XXXX Consumer Financial Protection Bureau ( CFPB ), state governments, or in some cases, consumers. The FCRA provides for maximum penalties of {$4100.00} per violation in the case of lawsuits brought by the FTC. FCRA 616, 617, 621.
Consumer complaint received 2016-11-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have disputed directly with bureau ... transunion still is reporting. XXXX XXXX has disputed account, as well. XXXX XXXX medical collection of {$200.00} is not correct. I have verified with XXXX. XXXX 's XXXX that I do not have a balance and have never owed the office any amount that has turned into a medical collection.
Consumer complaint received 2022-11-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (FL)

In regards to the transaction on XX/XX/2022, {$280.00} sent to XXXX XXXX ( XXXX ID XXXX ) was an unauthorized transaction. I mistakenly filed a dispute through Paypal claiming the product was never received, but it was an unauthorized transaction. There is no way for me to change the reason that I filed the dispute.
Consumer complaint received 2022-11-16
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. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-01-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (TX)

FALSE ADVERTISING.. THERE ARE ADS ON XXXX ABOUT EITHER GOVERNMENT SIMULUS CHECK RECIEVES XXXX + OR - US RELIEF FROM THE GOVERNMENT. THIS IS A SCAM THIS IS MORTGAGE COMPANY 'S WANTING YOU TO REFINANCE!!! YOU HAVE RESPONSIBLE TO STOP IS FALSE ADVERTISING THANK YOU XXXX XXXX XXXX
Consumer complaint received 2022-11-16
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: WELLS FARGO & COMPANY (WV)

Hello my name is XXXX XXXX and I sent a complaint about six months ago under XXXX but I lost my phone so I'm unable to get any of the documents I had sent you before .me and my husband XXXX XXXX XXXX and XXXX XXXX XXXX never received our XXXX stimulus payment ... I don't know what to do but the IRS said they direst deposited it into a Wells Fargo account ... ok I've never had a weeks Fargo account and also I spoke with Wells Fargo and they said the same thing .now they give me the number they deposited it into and XXXX Fargo president of the bank checked into it and said there wasn't an account number that ever excited with that number..we still haven't received the payment and the IRS put a tracer on it 3 different times do that was a year long wait to find out the same thing we already knew .they said there direct deposited into the weeks Fargo account .okay one thing they never took the time to do was to call Wells Fargo themselves .if they would've done that they would've known that it never happened but they still haven't even tried to fix this situation ..my husband XXXX off work and we are in need of this money..it 's ridiculous that were having to go through this..I 'd you can't help us can you please give me a number or address of someone that can resolve this quickly please .we are owed this money and we need it..thank you very much for your help..
Consumer complaint received 2022-11-16
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: LEXISNEXIS (NV)

In accordance with complaint number XXXX violation of privacy with reporting my information without my consent. XXXX XXXX XXXX PERMISSIBLE PURPOSES OF CONSUMER REPORTS. LEXISNEXIS is pretending they are not at fault with reporting my bankruptcy. They recently send me information stating it came from the credit bureau. This type of back and forth needs to be addressed with the Attorney XXXX office. I am holding XXXX accountable for allowing LEXISNEXIS to continue this back and forth
Consumer complaint received 2022-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (OH)

I got a XXXX XXXX credit card issued through Chase Bank. Every time I made an order on XXXX they would use this card even though I would switch it to my private debit card. I did not realize this was being done. I am trying to pay it but each month they just keep adding more interest. I am retired on Social Security and on a set income. I need some help in getting this resolved.
Consumer complaint received 2022-01-21
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: Rocket Mortgage, LLC (TN)

I received an unsolicited call from a RocketMortgage specialist on XX/XX/2022 at around XXXX XXXX. The mortgage specialist, XXXX, proceeded to railroad me into conversations about a refinance that I had no interest in, and then pulled a credit report without my consent. Once I realized that my credit had been pulled I let the agent know that I had not consented and ended the call.
Consumer complaint received 2022-11-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc. (GA)

In the year XXXX, I had called a few health care providers for a new patient consultation requesting a quote. Due to Covid most facilities were offering telehealth. But since it was new way of seeing patients, most office staffs were not sure about the insurance co-pay and out of pocket deductible. Some offices took my insurance information on phone along with my personal information for securing an appointment and let me know that the co-pay would be {$25.00}. Following which I called my insurance to double check if that is correct. They said its incorrect. I was actually responsible for 80 % of all expenses upfront and they will pay the remaining 20 %. When I learned that, I called and cancelled my appointments. After that in XXXX, I learnt that Carter and Young a debt collection agency has reported my account in collections for a debt of {$170.00}. When they called me first in XXXX I had immediately denied the charges on phone from day 1, but they continue to pursue it. Later after almost a year, my credit was pulled for applying for a home loan and I noticed this debt is still there. I wrote to all three credit bureau ( via registered postal mail ) and Carter and young as well to provide me with a detailed itemized bill of all charges resulting in the debt of {$170.00}. They have failed to do so. XXXX and XXXX has removed/deleted this debt but XXXX refuses to delete it, and is unable to provide me with a detailed bill/invoice/transaction detail of the debt. Not only that, I wish to notify that I am scared to speak with Carter and Young because they speak in a very non-forgiving and threatening tone almost like how a goon would demand money without validating or justifying a debt. I am scared that they are capable of far more worse. 
My humble request to CFPB, please kindly provide me with a detailed bill or itemized invoice resulting in this debt, or kindly delete this from my account. I want to live debt free and fearless not worrying about what more worse can happen.
Consumer complaint received 2022-01-21
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. (SC)

Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and saw inaccurate information regarding an alleged INQUIRIES. Prior to submitting this complaint, I have sent over XXXX letters to the Bureaus to have them send the proper validation of this alleged collection. I have even requested documents to be provided to prove that the payments were indeed in the collection. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesn't this go against the FCRA Laws?
Consumer complaint received 2016-05-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (VA)

I refinanced my home. I contacted the original mortgage company for disbursement of my escrow funds. I was told that they do not disburse the funds until eleven business days after the closing. I was told that this is consistent with federal guidelines. I paid a title company to handle all relevant issues regarding this transaction. I believe that this is an illegal taking and a provision of some federal regulation that apparently allows this company to keep my funds for an inordinate amount of time.
Consumer complaint received 2022-11-16
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. (TX)

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The XXXX credit bureaus must verify these items under Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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Consumer complaint received 2022-01-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc. (AZ)

In XX/XX/2021, I received a credit alert that I had an outstanding collection balance to Credit Management LP, a company whom I had never heard of nor contacted me regarding a debt. When I called the company, the representative could not verify if I was the correct individual for collection and hung up the phone one me. 

I requested via certified mail for the company to validate the debt. It has been over 30 days and this collection company never wrote me back validating the debt, however, they reported to the bureaus that I disputed this debt.