davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-19
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (OH)

I was working with a licensed broker named XXXX XXXX at Carrington Home Mortgage, who absolutely did nothing to help get a loan approved for a home. They pulled my credit using a 3rd party service called XXXX XXXX. They informed that based off the scores they received they would not be able to help me because i was below a XXXX FICO score. However XXXX XXXX pulled my credit on XX/XX/XXXX and presented me in writing a FICO of XXXX and on XX/XX/XXXX XXXX XXXX provided me a credit score from XXXX of XXXX. I had documentation that needed to be forwarded to all XXXX credit bureaus that show where i have satisfied some judgements and tax lien so that they can reflect properly. I faxed those to XXXX XXXX on XX/XX/XXXX and of course on XXXX/XXXX/16 they still were not faxed. This is not acceptable. If she was a good broker, then she would be working diligently and extra harder to help get financed. I also am disputing the credit scores that they obtained from a 3rd party, they are not correct and need to be investigated, since XXXX 2016 any letter of credit denial or current credit all have sent me in writing scores above a XXXX. They are not willing to work with me with the scores that other creditors are producing. I am bringing this matter forth to the Federal Housing Authority to determine whether or not discrimination is playing a role in such decision. Of course, on XXXX/XXXX/16 i got a biased response from XXXX XXXX, XXXX, basically advising im in the wrong and his company is in the right by following all laws and guidelines. This is not a reputable organization and needs to have a site audit performed.
Consumer complaint received 2016-08-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: GUARANTEED RATE INC. (GA)

Guaranteed Rate services my home mortgage. I have attempted for over 4 months to process a PMI removal for my home. I completed an application for PMI removal, and made payment on XXXX XXXX for the appraisal. I have followed up via phone 4 times afterwards to inquire about the status of my appraisal and had multiple issues. The first issue was stated that the payment I made was applied to my loan principle. After weeks of calling, that was reversed on XX/XX/2716. I also mailed another paper check explicitly for the loan appraisal as a backup source of funds. That check was received and processed on XXXX/XXXX/16. I was told over the last two weeks that my appraisal was imminent and that I would be receiving a call from the appraiser shortly. I called again today XXXX/XXXX/16 and was informed that there is no update on the status of this request.
Consumer complaint received 2016-08-19
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CarFinance Capital LLC, Irvine, CA Branch (CA)

In or around XXXX XXXX I was laid off and soon thereafter began having financial hardship. I explained this situation to Car Finance ( the agency collecting the auto loan ) of such hardship. Towards the end of XXXX XXXX my income was drastically decreased but I kept my best to make payments and ask that they stop calling my cell phone so often as I was well aware of the times my payments were late but I was still making them. In XXXX XXXX they kept calling on a regular basis even though I explained I was trying to borrow funds and would make sure my payments were n't more than 30 days past due. My requests continued to fall on deaf ears and the calls had gotten to the point I begged to stop and borrowed money from my roommate on credit to pay my bill, because they would n't let me off the phone. I have spoken to people in the legal field because of the harassment and I was advised once I asked them to stop calling my cell phone they would be in violation of the Telephone Collection Practices Act and considering they had called at times prior to XXXX and after XXXX PST they were violating Federal Collection Practices Act. I called them and told them about these violations and I NEEDED them to stop ; i was told ( no less than two separate occasions ) they could n't until my bill was up to date. -- I have made several complaints to them, I 'll need to get their call logs because their number changes and I only have two or three numbers they used to call me on my cell phone call logs. I understand that an attorney may assist in getting direct funds for each violation. My goal is not to have an attorney take a lot of money and I still owe them. My goal is to have them work with me, remove all of the fees ( which is the majority of the amount owed ) and a decent payment plan only on the remaining principal amount. That seems fair, I do n't want a long drawn out legal issue and them to threaten to repossess my vehicle while ruining my credit report. My credit report should n't have any delinquencies regarding this debt because I have made sure payments were not over thirty days.
Consumer complaint received 2016-08-19
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A. (AZ)

I have a credit card with Home Depot. Home Depot cards are issued by/through Citibank. I have a Citibank HD credit card. For quite some time, my credit limit was {$1000.00}. I have never gone over the limit, and I have never paid late. Recently, I have been trying to pay my credit cards off/down to increase my XXXX score. On or about XXXX XXXX, I paid the {$800.00} balance on my home depot card down to {$500.00}, which would be 50 % of the {$1000.00} limit. Immediately after crediting the payment, without notice or justification, Citibank lowered my credit limit from {$1000.00} to {$700.00}. This action immediately changed my credit utilization from 50 % to over 80 %. It is a well known verifiable fact that credit balances over 50 % have an negative impact on credit scores. CITIBANK CLAIMS THAT A RECENT REVIEW SHOWS CERTAIN ITEMS -- those items have been on my credit report for several years, even prior to when I opened my Citibank/HD card. Citibank knew of these credit items before even opening my account. Citibank gives a fake reason, claiming credit issues that it already knew about, that already existed when they opened the account and now claims that suddenly, now they matter. Citibank, and other credit cards, intentionally lower credit limits for the express malicious purpose of keeping lower income/credit persons from improving/increasing their credit score. Even if this is not the express purpose, it has the same impact. Credit companies should be expressly prohibited from lowering a credit limit that has never been late and never gone over the credit limit unless certain stringent standards are applied. Otherwise, credit companies can continue to maliciously manipulate credit scrores, thereby continuing to limit credit opportunities to high cost, low credit cards. The federal policy has been to LOOSEN credit available to consumers. Allowing credit companies to maliciously lower credit limits after a payoff allows credit companies to malicously manipulate credit scores. Why is this even legal?
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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
Consumer complaint received 2024-10-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (CO)

XXXX XXXX, Account XXXX xxxxxxxxxxxx XXXX, has reported this account as a charge off on my consumer report. Per the IRS this is considered income and we know that income does not belong on a consumer report. 
XXXX XXXX XXXX XXXXXXXX, Account Number XXXX XXXX, has reported this account as a charge off on my consumer report. Per the IRS this is considered income and we know that income does not belong on a consumer report.
Consumer complaint received 2017-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Meyer & Njus, P.A. (MI)

XXXX XXXX had recently filed a judgement against me in 2015 and by the time it had reached me it had went to an attorney and they had issued a writ against me. I tried on numerous occasions to rectify the situation and I took my case took court and the attorney admitted this was not my account so the attorney and the court located in the state of Michigan vacated the judgement but yet and still XXXX has refused to delete this item from my credit report.I would also like to recieve a deletion report within 24 hours of the resolution.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2016-08-19
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I authorized a charge to have Bank of America Privacy to charge a monthly fee to my credit card for fraud protection. My husband and I have divorced and I have continued to ask Bank of America Privacy to stop the charges as I no longer authorize them to continue. They will not let me stop the charge. I am the owner of the credit card, and have always been the lead account owner. I have gone to Bank of America and stated I have asked them to stop the charge and they will not do so, so I wanted to dispute the charges. They will not let me dispute the charges. I feel this is a catch 22, and I am the one suffering these monthly charges that I have wanted to stop and they are making money at my expense. I am asking for your help as I feel my rights are being violated and I need this money to go towards other expenses.Please help me!
Consumer complaint received 2017-11-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (FL)

My name is XXXX XXXX and I 'm a victim of Identity theft, Ive attached my FTC identity theft report. I believe that my accounts have been used fraudulently in the past and currently. Can you please check to see if any personal or business accounts are open under my social security number or have been open in the past. if so, can you please close the account and send every single statement to my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN # XXXX
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MN)

I am writing to address the lack of response to my previous notice regarding the request for a copy of the 1099-C filed for the charged-off debtXXXX XXXX XXXX XXXXXXXX failure to provide a response leaves me no choice but to assume that you have neglected to comply with FEDERAL law by not filing a 1099-C as mandated. Consequently, I am compelled to inform you that I will report XXXX XXXX  XXXX to the IRS for potential tax fraud using Form 3949-A if prompt action is not taken.

Furthermore, it is imperative that you notify XXXX, XXXX, and Equifax to delete this information from my credit report immediately. The account in question is detailed as follows : XXXX XXXX XXXX XXXX XXXX As per IRS regulations , a canceled debt of {$600.00} or more necessitates the filing of a 1099-C form by federal or government agencies, or applicable financial entities. Failure to comply with this requirement constitutes tax fraud, a serious offense that I will not hesitate to report to the IRS. 

It is essential to understand that a canceled debt is considered ordinary income by the IRS. Consequently, any failure to file a 1099-C form, or any attempt to conceal such actions, constitutes inaccurate reporting. Income is not to be included on a credit report, and any such inclusion violates consumer laws and regulations. 

Your company 's actions are in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681s-2, which outlines the responsibilities of furnishers of information to consumer reporting agencies. Under this statute, it is prohibited to furnish inaccurate information knowingly or with reasonable cause to believe it is inaccurate.

It is evident from my previous communication and this notice that there is reasonable cause to believe the information provided is inaccurate. Therefore, it is imperative that you take immediate steps to rectify this situation by deleting the inaccurate information from all consumer reporting agencies. 

Failure to comply will result in legal action being pursued, including holding the Creditor XXXX XXXX XXXXXXXX, accountable for willful noncompliance under 15 USC 1681n ( a ) ( 1 ) ( A ). This statute stipulates that any person who willfully fails to comply with FCRA requirements may be liable for damages sustained by the consumer.

I am currently in the process of securing housing, and the inaccurate information on my credit report is hindering my progress. I urge you to act swiftly and cease reporting this item to avoid further complications.

I am currently in the process of securing housing, and the inaccurate information on my credit report is hindering my progress. I urge you to act swiftly and cease reporting this item to avoid further complications. Kindly delete this off my report immediately.
Consumer complaint received 2024-10-25
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: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Subject : Debt Validation Request Account Number : XXXX Date Opened : XX/XX/XXXX ________________________________________ Dear Sir/Madam, I am writing to request validation of the debt referenced above, as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). I am disputing the validity of this debt and requesting that you provide me with the following : 1. Proof that the debt belongs to me ( including the original creditor 's name and the total amount owed ).

2. A complete payment history from the time the account was opened until the most recent transaction. 
3. Verification of your authorization to collect on this debt on behalf of the creditor.

4. The exact loan type and terms of the revolving account, and whether it is classified as a credit card. 
Please cease any collection activities until this information is provided in writing and I have reviewed it for accuracy. Additionally, if this debt has been reported to credit bureaus, I request that you notify them that the debt is under dispute until validated. 
I expect a response within 30 days, as stipulated by law, confirming or dismissing the claim. Failure to provide this documentation will confirm that the debt is invalid, and no further contact will be necessary. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2016-12-16
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo XXXX XXXX XXXX XXXX CA 92071 XXXX and XXXX. They keep requesting an offer that meets their minimum net value, but they will not tell us what that is, and they are refusing to provide a copy of the XXXX. 

2. Wells Fargo has not done an interior value. No one has been to the property to actually look at it. Is this why they are refusing to provide a copy of the XXXX? 

3. In response to their claimed XXXX value, we have marketed the property at that price, as well as provided market comparables and a Contractors Bid. Wells Fargo 's response was to remove the file from their short sale department stating there was no offer at their " List Price '' We STILL do not have a copy of the XXXX XXXX. In the last 2 days we have been given XXXX different persons contact info and NO ONE will return our calls or emails. 

We can not get anyone at Wells Fargo who can talk to us informedly about this short sale. The house has been marketed since XX/XX/XXXX of this year starting at XXXX, far above their XXXX " list guidance '' price, and has failed. We recently received an offer at $ XXXX, and have submitted the offer along with market comparables and a Contractors Bid. Now, no one at Wells Fargo will speak to us at all. How can we move forward when no one will speak to us about this file?
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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. 

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 and 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 2016-08-19
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (CA)

MY MORTGAGE LENDER ( CALIBER HOME LOANS ) HAS DENIED MY LOAN MODIFICATION REQUEST AND THEY INSIST ON A SET OF WRONG ASSUMPTIONS ABOUT THE VALUE OF MY HOME!!! 
CALIBER REVIEWED ALL MY DOCUMENTS AND THEIR MODIFICATION DEPARTMENT STATED THAT MY INCOME IS SUFFICIENT TO QUALIFY ME FOR ASSISTANCE PLANS, BUT THEY SAID THE VALUE OF THE HOUSE IS TOO HIGH. 
I HAVE ASKED THEM REPEATEDLY TO PLEASE REVIEW MY EVIDENCES ABOUT THE POOR CONDITION OF MY HOUSE 'S INTERIOR, BUT CALIBER DOES NOT ALLOW ME TO AT LEAST PRESENT MY PROOFS OF THE LOWER VALUE!!! 
THIS IS SO UNFAIR TO ME THAT THEY WONT EVEN LOOK AT MY OWN COMPLETE APPRAISAL!!! 
THEY SHOULD AT LEAST JUST LOOK AT MY EVIDENCE, AND ALLOW ME TO PRESENT MY INFORMATION, AND THEN DECIDE IF I QUALIFY OR NOT. 
FURTHERMORE, I CURRENTLY HAVE AN ACTIVE FILE THAT AS OF TODAY CALIBER IS STILL REVIEWING FOR MODIFICATION AND THEY JUST ASKED FOR MORE ITEMS FROM ME. SO WHY ARE THEY REFUSING TO POSTPONE THE SALE DATE TO COMPLETE THEIR OWN REVIEW PROCESS???!!!! 
I 'M A SINGLE MOM STRUGGLING VERY HARD TO SAVE THE HOME FOR MYSELF AND MY KIDS AND THE LENDER SHOULD TRY & SHOW SOME GOOD FAITH TO COOPERATE IN FINDING A SOLUTION, INSTEAD OF CONSTANTLY PURSUING ONLY FORECLOSURE!!!!!
Consumer complaint received 2016-08-19
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: AMERISAVE MORTGAGE CORPORATION (GA)

I applied for a cash-out re-fi on a property i own free and clear. My loan was conditionally approved. The lender request that I provide additional documentation to explain my social security XXXX income. I had already provided several forms of verification such as award letters ad bank statements. My loan was put off for 2 months and then reassigned. I was then asked to provide documentation as to how long i would receive social security. I provided a letter from social security showing that i had recently been re evaluated and and my XXXX was continuing. I was then asked to provide a letter from my doctor.
Consumer complaint received 2016-08-18
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (FL)

I TRIED TO MAKE PAYMENT WITH MY AMERIAN EXPRESS CARD TO XXXX CELL PHONE COMPANY FOR XXXX AND TWO TIMES THE XXXX SITE SAIN IT COULD NOT TAKE THE PAYMENT DUE TO INSUFFICIENT CREDIT AVAILABLE. i CALL AMERICAN RIGHT AWAY AND THE REP SAID SHE DID N'T UNDERSTAND BECAUSE THERE WAS MORE THEN ENOUGH CREDIT LINE TO PAY THE CHARE AND AT THEIR END IT SHOWED XXXX CHARGES FOR XXXX BECAUSE WHEN AFTER MAKING THE FIST ATTEMPT AND IT WOULD ACCEPT THE 1ST CHARE I TRIED AGAIN AND XXXX WOULD NOT ACCEPT, tHE REP SAID THE CHARGES WOULD DROP OFF AFTER XXXX 10 DAYS AND WOULD BE PUT BACK ON MY ACCOUNT, HAVING FAITH THAT IT WOULD I MADE A XXXX PAYMET TO MY AMERICAN EXPRESS CARD AND LATTER THAT WEEK I TRIED TO PAY MY XXXX BILL FOR XXXX same thing happened, i spoke to customer service on XXXX XXXX th to a woman named XXXX XXXX ID # XXXX she assured me by XXXX XXXX the charges would drop off aND WOULD BE CREDITED BACK TO MY ACCOUNT, TODAY IS XXXX XXXX TH NOTHING CHANGED. I CALLED AMERICAN EXPESS AND THEY DAI THEY CAN NOT FIND ANY RECORD OF THESE CHARGES BECAUSE THEY DROPPED OF, CONVIENTLY THERE IS NO WAY TO TO PROVE IT BECAUSE THE RECORED OF THESE TRANSACTION HAVE BEEN REMOVED, MAKING IT POSSIBLE TO NOT RETURN THE XXXX FROM XXXX THAT THEY SAID THEY PAID TO THE MERCHANT? THE REP I SPOKE TO ON XXXX XXXX TH AT THAT PIONT IN TIME INDEED FOUND THE CHARGES AND AGREED THAT ONCE EVERYTHING CLEARED OUT Y AVAILABLE LINE OF CREDIT WOULD BE XXXX, NOW aMERICAN eXPESS SAID TODAY THEY CAN NOT FIND ANY RECORD THAT I EVER EVEN TRIED TO PAY XXXX AT ALL!