davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-19
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company (DE)

I filed a complaint with CFPB in XXXX of XXXX regarding my mortgage company, Freedom Mortgage, incorrectly submitting paperwork to the Veterans Affairs for a VA Partial Claim due to a forbearance. I had been attempting to resolve the mortgage forbearance for over a year, and reluctantly agreed to the VA Partial claim in XXXX XXXX of XXXX, and signed the Partial Claim agreement in XXXX of XXXX. I heard no more about it, and then in XXXX of XXXX I was informed by the Veterans Affairs that they denied the VA Partial Claim due to it being filed incorrectly by Freedom Mortgage, and that it could take as much as six months or more to resolve. At that point I requested for the Partial Claim to be stopped, as I wanted to pay the full amount of any deferred money owed directly to Freedom Mortgage so that I could move forward financially from this issue. After many attempts, messages and phone calls with the representatives from Freedom Mortgage, and the assistance from the Veterans Affairs, I finally filed my complaint with CFPB, and the issue was resolved, or so I thought. Freedom Mortgage finally accepted the deferred money owed on my mortgage directly from me, and my account was shown in good standing, as I requested, and as was agreed upon by Freedom Mortgage. I was no longer in a forbearance, and all financial obligations were paid and current. I have had no late or missed payments dating back to XXXX of XXXX when I was still in the forbearance plan. 
Now, as of XX/XX/XXXX when Freedom Mortgage reported my mortgage as having three missed payments for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, showing my account in default, and dropping my credit score over 80 points. I thought this was just an oversight, but after speaking with Freedom Mortgage representatives, it is clear it was intentional. I have called requesting to speak with a supervisor, never reaching one, and being told I would receive a call from one, ( to this date still no call from anyone ), and I have sent messages via the company website, with no response. My mortgage payments were made, received on time, and in the full amounts for all of the months they are reporting as missed payments. I am requesting these missed payments, and any other derogatory marks or issues be removed from all three credit buraus. On XX/XX/XXXX Freedom Mortgage did update my credit account status, stating my account is now current, but the missed payments are still showing on the account, and the impact on my credit score and credit rating is extremely detrimental Please remove this derogatory information from my accounts, and show my account in good standing with no missed payments, as previously agreed.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to bring to your attention a concerning issue that has significantly impacted my financial stability and well-being. I have diligently reported and disputed the inclusion of a XXXX  XXXX bankruptcy on my credit reports with all three major credit bureaus- XXXX, Equifax, and XXXX. 

I have taken various steps to rectify this error, including reporting the issue by phone, sending certified letters, and utilizing the credit bureaus ' online dispute platforms. Despite my persistent efforts, the bankruptcy court has not reported any information to the credit bureaus, and I have repeatedly requested that the credit bureaus provide evidence of authorization from the court. 

To my dismay, every agent I have spoken to at the credit bureaus has acknowledged that they lack any signed documentation from the bankruptcy court authorizing the inclusion of the XXXX XXXX  bankruptcy on my credit report. This erroneous listing has had severe consequences for my family and me, as we find ourselves homeless and unable to secure housing or favorable financial terms due to the adverse impact on my credit profile. 

I am gainfully employed, but the repercussions of this inaccurate bankruptcy listing have made it impossible for me to rent an apartment, purchase a home, or secure reasonable interest rates on financial products such as car insurance. The distress caused by this situation is immeasurable, and I am reaching out to seek your assistance in resolving this matter promptly. 

I kindly request the Consumer Financial Protection Bureau 's intervention to investigate and rectify this issue. Your guidance and intervention in ensuring that the credit bureaus adhere to accurate reporting practices would be invaluable in restoring my financial stability and providing my family with the opportunity for stable housing. 

I appreciate your prompt attention to this matter and am hopeful that with your assistance, we can rectify this situation swiftly. 

Thank you for your time and consideration.
Consumer complaint received 2016-09-29
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (GA)

I received an Amazon.com Rewards Visa Card in the mail last week ( home address ), and realized that I had NOT applied for this. I called Chase number on card and reported the mistake and they said this was identity theft. We cancelled the card, and I now have gotten a POBox to receive all sensitive mail, and had to alert all other creditors about the identity theft. I put a fraud alert on my credit reports, and am now checking those reports for accuracy. Not sure of what else to do - but was told to report this here to CFPB. Thank you.
Consumer complaint received 2016-01-27
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY (HI)

The merchant put a {$50.00} hold on my card, as a deposit at a hotel. The card company made a mistake and held {$350.00}. The merchant and myself both told AmEx that this was a mistake but Amex isnt listening. Now my account is {$250.00} negative, despite that the hotel " forced the transaction '' and made it a charge of {$53.00}. Amex still isnt acknowledging the mistake or willing to fix it. The merchant even told them it was a mistake and tried to do everything they could to correct it but Amex refuses to make any corrections.
Consumer complaint received 2022-07-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services (IL)

I am in need of a a full declining balance payment history for my active loans. 
I have, over the course of 11 months now, been alternatingly told that it isn't possible and that is IS possible and will be in the mail in 30 days. I have never received this information. 

I have been told by other folks in the industry that " a full declining balance payment history '' is exactly verbatim what I should ask for, and that it does exist. This would be the full history since the loan ( s ) were disbursed.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (AZ)

I can never utilize my online equifax account and my last correspondence via mail they simply said they arent sure why it doesnt work. I submitted a request via writing to provide proof of validity for a debt along with requesting it be removed and I didnt receive a reply well past 60 days which also did not address my concerns or include the requested information. Their processes and systems seem to have the most obstacles when attempting to dispute or request info and they never reply in a timely manner.
Consumer complaint received 2022-07-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (MI)

On XX/XX/2022, I went on XXXX to purchase tickets for a concert. While I understand that it is recommended to go through certified ticket re-sellers, I proceeded to go this route because I had done it in the past from this group that I trusted. Regardless, I proceeded to message someone on the XXXX XXXX app for the tickets. The person then told me the cost and asked for me to Zelle or XXXX XXXX the funds ( {$250.00} ). I requested that the user send me the tickets first ( which he did ). Once I saw them in my email I did confirm that they were good I sent the money. The user then proceeded to ask me for another {$50.00} because his wife had paid {$300.00} for them and they would be losing money. After much back and forth I opted to eventually send the {$50.00}, but then I checked the tickets and there was a password lock on them. I then asked the user to please provide the password which they never did and they eventually blocked me after several further attempts. The user mentioned that they did not receive the I XXXX due to a bank network error and said they would send it back if it was a duplicate. They never did and took all of my money.I I contacted my bank " XXXX '' which did absolutely nothing to request any additional information. Zelle also did nothing except point me to my bank. I would like to file a complaint about this issue
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over 710XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX  say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with XXXX XXXX spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old XXXX and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2018-03-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

XX/XX/2018at XXXX XXXX XXXX XXXX from number XXXX XX/XX/2018 at 2018 at XXXX XXXX from number XXXX These calls come in and I tell them to stop calling, they keep talking with this is debt and they give the address and debt amount as always. I tell them do not call me but send whatever they choose and Im preparing for bankruptcy. I always repeat the same thing but they never listen and keep calling as they have called me several times before but don't have all dates. I sent the company a letter regarding the matter but no answer as too why they are calling me and that they wont be calling me any further. Action is needed as I do deserve my request honored, Ty. 

Thank you
Consumer complaint received 2022-07-19
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX Account XXXX : XXXX Please remove it from my credit report.
Consumer complaint received 2016-02-07
Product: Credit card — 
Issue: Other fee — 
Company: WELLS FARGO & COMPANY (AZ)

I had a credit card with Wells Fargo ( I do n't remember the open date ). I closed the account and the remaining balance are just fees. I thought the fees were waived because I closed the account. However, the balance remained on the account and now the account is charged off and is being reported negatively to the credit bureaus. The balance on the account consists of only fees. I feel this is a compliance violation as I should be responsible for the balance if its just fees.
Consumer complaint received 2022-07-19
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Possible Financial Inc (OH)

I received a loan from possible inc in a form of a revolving small credit line and for the past three months, this company has drafted out {$50.00} each month. And as I seen this amount being drafted out my account, the balance in the loan hasnt changed. In addition to that each month they have reported on my account 30, 60, 90 day delinquency marks to my credit report. As the result of this, I have been denied credit card approvals, denied access to car loan and deem ineligible for mortgage and other possible renting situations. At this point can these delinquencies be removed from my credit report. I would greatly appreciate it.
Consumer complaint received 2021-10-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My credit score dropped 113 points in one day. I have called several times to ask why and they refuse to answer me. I clicked on the see why is changed button and it said no changes found. I am trying to buy a house and this is killing my TransUnion score.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX  Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-07-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NJ)

I have a 20 year mortgage with PHH Mortgage. I am having trouble in resolving an incorrect tax payment issue made by them for XXXX XXXX and XXXX XXXX. Here is the summary of the problem : 1. They incorrectly paid property taxes for XXXX XXXX and XXXX XXXX to a different county ( I am from XXXX XXXX XXXX XXXX XXXX XXXX and they paid to XXXX XXXX XXXX XXXX XXXX ) 2. As a result, my taxes were delinquent for 2 qtrs and I was notified by my county. 
3. When I contacted them in XX/XX/XXXX with the issue, they took 3 months and finally made the payment on XXXX XXXX for the delinquent taxes. 
4. They were trying to collect the incorrect payment but were following up with the wrong county. 
5. After failing to recover the amount, they are now trying to recover the amount from me as additional escrow payments citing negative escrow balance. The negative balance was created by their mistake of making payments to the wrong county 6. As a result, my mortgage amount will go up by {$180.00} per month from XX/XX/XXXX 7. I am trying to resolve and reverse the increase as their failure to collect and recover the money is not my problem and I should not be victimized for the same 8. I am been calling them up every week for last 6 weeks and getting no resolution at sight. Need help
Consumer complaint received 2020-11-25
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$18000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- PERSONAL ACCOUNT XXXX. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account.
Consumer complaint received 2018-03-15
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: WELLS FARGO & COMPANY (CO)

We switched car insurance companies years ago. Wells Fargo asked us to provide proof of insurance. 
We provided the prof of insurance for the new company. 
We received a confirmation email that reads : you will be contacted only in the event that we are unable to verify the information you have provided to us. 
We received no other contact from Wells Fargo in regards to insurance but we have just discovered that Wells Fargo as charged us for insurance since XX/XX/2013 and hid it under the principal payment line on their e-statement. 
When we made a complaint to them, they asked us to provide proof of insurance again. 
We no longer have any proof from 2013 although we have the email confirmation that they received our proof of insurance in XX/XX/2013. ( we provided this to them ) Wells Fargo has taken no other action to research their error.
Consumer complaint received 2024-02-19
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: American Credit Acceptance, LLC (NJ)

I purchased a used XXXX  XXXX XXXX XXXX year ago this month after a XXXX puchased that was only operational for XXXX year died and was too costly to fix. This XXXX situation is still pending arbitration with NJ Consumer Affairs. As a result of the XXXX having a XXXX loan debt to roll over into the XXXX, I was asked to place XXXX on the loan for reasonable payments. After putting XXXX or so into the XXXX I did not have any money to give. My XXXX  who was with me to purchase the XXXX from XXXX was willing to lend me the XXXX and was figuring out how to get it to me that moment. The other option I was told by the saleman XXXX was to not put any $ $ down and have XXXX car payments. I asked this XXXX if it's able to be refinanced and he said yes. As I attempted to refinance this crazy 28 % interest rate on 72 months. I was told that I can't refinace it because it's over XXXX XXXX XXXX. I paid XXXX on the car and my balance only went down a tiny bit compared to what I paid. This is not sustainable. I have been trying to get a personal loan and that isn't working because now I am struggling financially so my credit takes hits. I am XXXX and so is my brother who accompanied me. XXXX XXXX XXXX doesn't work with you. They blamed XXXX and XXXX won't do anything. Please note there are hundreds of complaints about this sort of high interest rate scam on XXXX  regarding ACA. They are hurting a lot of people.
Consumer complaint received 2024-02-19
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I've always paid on time for this account, so seeing an inaccurate late payment record is giving me a great deal of concern. I have never wavered in my dedication to making payments on schedule. This miscalculation has had a huge influence on my mental health, hurting my sleep and peace of mind. I humbly request that my account be corrected immediately, and I hope you realize the severity of the matter.