davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-26
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. (GA)

I have tried several attempts to get this account deleted and removed from my credit report. On XXXX/XXXX/XXXX and again on XXXX/XXXX/XXXX I again was notified by XXXX XXXX and Credit bureaus had verified the account. I obtained a vehicle loan XXXX and paid it in full and it was closed as per the report in XXXX. I have requested all documents on this account and it was not produced in over 60 days to verify this account. The first delinquency was XXXX XXXX and since this account is paid and closed I have asked that it be deleted and removed completely from my credit report being that it is outdated and the company did not respond with the asked for information in the time allowed. I had spoken with a customer service rep that stated he would fill out the form for deletion of the account required and that it would be removed from my credit reports This has not happened, some are still reporting payments from the day I opened this account.
Consumer complaint received 2017-10-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have tried several attempts to get this account deleted and removed from my credit report. On XX/XX/XXXX and again on XX/XX/XXXX I again was notified by XXXX XXXX and Credit bureaus had verified the account. I obtained a vehicle loan XXXX and paid it in full and it was closed as per the report in XXXX. I have requested all documents on this account and it was not produced in over 60 days to verify this account. The first delinquency was XX/XX/XXXX and since this account is paid and closed I have asked that it be deleted and removed completely from my credit report being that it is outdated and the company did not respond with the asked for information in the time allowed. I had spoken with a customer service rep that stated he would fill out the form for deletion of the account required and that it would be removed from my credit reports This has not happened, some are still reporting payments from the day I opened this account.
Consumer complaint received 2017-10-26
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. (FL)

I received a letter from XXXX explaining I was a part of a breach I went online to view my credit and notice some fraudulent attempts to obtain credit. I have sent proper correspondence to Experian with no response from them this was not done by me, its consider fraud, I tried to place a police report but being that my information was breach due to the lack of security at XXXX and that the criminals did not get any of the approvals to obtain the credit there was no police report to file. I will like all the listed below inquires removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AT XXXX XXXX XXXX XXXX XXXX AT 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 RENTAL PROPERTY XXXX XXXX XXXX XXXX RENTAL PROPERTY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-10-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. ()

My Credit Report from XXXX gave the below alert. 

Citicards CBNA have mentioned " A lender reported that you did not pay them on time, and the account is now 30,60 or 90 days late ''. 
Account Number : XXXX Ammounte Delinquent : {$210.00} Payment Status : Late 120 days Consumder Statement Canceled by credit grantor. 

I never had this Citi account. 

Could you please help me in removing this Bad Credit on my Credit report! 

I have XXXX Sears Citi Credit Card : ( Never used these cards for a long time ) XXXX XXXX
Consumer complaint received 2017-10-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (LA)

I am appealing the Loan Modification Agreement Terms and asking for further assistance. Again, I am writing to save my home at XXXX XXXX XXXX XXXX XXXX, La. XXXX. I am asking that you reverse and remove all pre-foreclosure charges and stop the foreclosure procedure and cost while we began to work through a viable financial repayment plan that will allow me to save my home of 20 plus years. I will not be able to make a balloon payment of {$58000.00} after paying you for 18 years more than the 20 years that I have paid you. Last year, I also paid a {$7800.00} payment which included previous mortgage payments, late fees, server fees, other fees, inspection fees, attorneys fees, sheriff fees and additional fees. I would like to have the {$7800.00} money applied to back payments only to reduce my loan. I am trying to save my home and I am unable to do so with the surmounting fees.The goal of paying the mortgage is to retain my home. Home retention is what I am fighting for. I qualified for a loan modification since XXXX so I am requesting that a lower rate be retroactive to XXXX and applied to the loan and reduced the mortgage. Was this loan originally with SPS or transferred as a servicing mortgage? When? I am requesting those documents.I am requesting that you send me original documents with letterhead that just states that SPS is servicing this loan. I am requesting original documents that are readable. I need the entire loan package. I would like a Loan Modification Agreement that I can afford on a XXXX XXXX monthly income check. I am requesting a lower interest rate. I have a rate of 8.50 %. Please help me to save my home of XXXX plus years with your company. I have been paying this loan for nearly 20 years and owe more than the initial loan amount. I do not want to lose my home or the opportunity for a repayment plan. I am a XXXX XXXX XXXX Veteran who served in the XXXX XXXX a XXXX years old. I am still receiving 24 hour hospital care for the past 10 months after suffering 3 XXXX in the last 12 months and two more XXXX in 24 months. I currently receive XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX I need an affordable repayment plan with a new mortgage rate to keep my home while continue to heal and before I die.
Consumer complaint received 2017-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (GA)

I opened a mortgage with Chase in XX/XX/XXXX, the mortgage was sold to XXXX then back to chase. During that time I obtained an IRRL due to my XXXX XXXX military status. While XXXX and on XXXX XXXX the loan fell behind and so I did a modification, upon which time unfortunately Chase and other banks were illegal foreclosures and I was in that bunch that was able to get mine approved. The modification took over a year as I was told the paperwork was lost at one point to they repeatedly needed more information and customer service liaisons switched on my account. In XX/XX/XXXX I XXXX and they gave me a 1 % interest rate for 36 months so I made partial payments. I was declared XXXX XXXX XXXX XXXX and in my transition my military check was behind and I have a XXXX child who was in XXXX. I was told to not make payments until the final paperwork for the modification was complete. This was due to them not knowing what the payments would be, at this point I never imagined or did I know that it was being negatively reported on my credit report. I have attempted numerous time to work with the credit bureaus and Chase directly but to no success. The reduced payments were made as asked. There should not be annotated as late payments period. Finally if that was n't enough the new modified loan and the old account have the same number so the delinquencies remain though I have never missed a payment since the modification. The new amount of credit for the new loan is {$210000.00} yet they are still reporting to the CB the old one of XXXX giving the impression on my credit report that I am over 22k dollars which is not true.
Consumer complaint received 2018-12-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

When I finished graduate school, back in XX/XX/2012, I requested via phone to consolidate my loans. I was planning on doing the Public Service Loan Forgiveness program and was told that in order to qualify, my loans needed to be consolidated. 

However, when I called Navient with this request, I was told that my loans were already consolidated, as they were all under one lender/servicer, and that I was good to go. It wasn't until years later, after I had worked in non-profits for 4 1/2 years that I found out my regular monthly payments weren't counting toward my forgiveness because my loans weren't properly consolidated.

Because of the misinformation from Navient at that time, I lot 4 1/2 years of regular payments toward forgiveness, I made career and life choices to work toward loan forgiveness, only to find out they weren't actually counting. 

My loan servicer eventually changed to XXXX, so I no longer have contact or records from Navient. But in light of all of the recent press and information coming out about their practices, I felt it important to share.
Consumer complaint received 2017-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

This consumer complaint is filed because there is a negative credit item that was charge-off, but remains on my credit report beyond 7 years from the date of first delinquency. Any collection agency that may end up with the charged-off account must comply with that same Date Of First Delinquency. 

Be advised that a dispute was filed with XXXX XXXX, and Experian credit reporting agencies alleging that XXXX XXXX XXXX 's tradeline is being reported by XXXX XXXX beyond 7.5 years. See EXHIBIT-1 and 2. 

1. Between XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX reported to XXXX that the Date Of First Delinquency is XX/XX/XXXX. Accordingly, XXXX in response to my notice of dispute has removed all references to XXXX XXXX XXXX XXXX account number XXXX, in compliance with FCRA. 
2. However, XXXX and XXXX declined to remove the negative account as required by the FCRA 7.5 year requirement. Therefore, we ask the CFPB Tribunal to compel XXXX, and Experian  to reconcile my credit file as to account number XXXX to be consistent with that of XXXX 
3. XXXX XXXX XXXX sold account number XXXX to XXXX XXXX as of XX/XX/XXXX which clearly state the intent of XXXX XXXX XXXX and its expressed date of first delinquency as " XX/XX/XXXX '' which also applies to XXXX XXXX account number XXXX as well. 

4. XXXX XXXX has changed the Date Of First Delinquency by erroneously suggesting and reporting to the CRA 's that a loan modification has taken place between XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX. No such modification occurred as XXXX has correctly reported, the DOFD is ( XX/XX/XXXX ). 

5. Be advised that the original creditor, XXXX XXXX XXXX 's tradeline no longer appears on the same credit report that the collection agency, XXXX XXXX 's tradeline appears on. 

6. The account has been illegally re-aged. Under no circumstances should a collection account for a debt remain on a credit report after the original creditor 's tradeline has aged off the report. The reporting period applies to both the original creditor and its collectors simultaneously. If no original creditor on any of your credit reports matches the collection account, the debt has been re-aged.
Consumer complaint received 2017-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: WELLS FARGO & COMPANY (NC)

1. Wells Fargo has stated the XXXX XXXX account XXXX has closed per their own guidelines on accounts suspected to have been opened by someone else other than the named person. 

2. Wells Fargo 's identity verification system flagged my application in the beginning because my SSN was issued after the SSA went to a randomized numbering system. 

3. Wells Fargo 's system is discriminatory because it is not up-to-date to deal with these new SSNs. Essentially, Wells Fargo discriminates against new immigrants and will eventually discriminate against a new generation of citizens who were issued SSNs after the number randomization. During the first few calls to Wells Fargo, they asked me where my SSN was issued, which it was issued from Illinois, but the number itself ( based on the older SSN numbering scheme ) would appear as issued from New York. So, I failed that question which led to Wells Fargo requesting my SS card to be sent via fax ; which I had to send multiple times due to Wells Fargo 's inept and inefficient methods in their offices. 

4. Wells Fargo is no longer a reputable banking institution because of their fraudulent and discriminatory actions. 

5. Wells Fargo continues to send me documents and statements about this account despite them stating they do not believe I am the person who opened the account. 

6. Wells Fargo, during a call on XX/XX/2017 on/about XXXX XXXX ET, refused to remove the account from my credit profile and refused to remove the credit inquiry. 

7. The action outlined in item # 6 is illogical if they truly believe the account was opened by some other person.
Consumer complaint received 2017-10-26
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: Army and Air Force Exchange Service (CA)

My account information with XXXX XXXX is being refused to be given to me as they have charged off my account and they are now letting a third-party collector dictate their terms to me. The third-party collector is XXXX XXXX XXXX. I was informed that they had already tacked an additional XXXX XXXX dollars on to the original balance with XXXX XXXX and they intend to charge additional fees on top of that. I do not believe that a government agency or dod contractor should deny a consumer his personal account information. Does this not violate any of California 's Consumer Protection laws?
Consumer complaint received 2017-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (NH)

I have 2 credit cards issued by Citibank, a Sears card and a Universal XXXX card that was originally issued by XXXX XXXX XXXX. I contacted Citibank 3 times on each card, attempting to close these account, both of which have a XXXX balance. They have yet to close these accounts, in fact I just received a " new '' card on the Sears account in the mail. It has become very frustrating trying to deal with this company - they intentionally hide links to close accounts and send consumers on a wild goose chase telling them they have to call a different number. I just got off the phone and this time they told me that the " new '' card I received today ( XXXX XXXX ) was sent to me on XXXX XXXX - 2 months in transit - I just can not swallow that. Citibank needs to be held accountable and when a consumer wishes to close an account, it should be easy to do so and completed in one call.
Consumer complaint received 2017-10-26
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: AMERICAN EXPRESS COMPANY (GA)

I do NOT have a signed contract nor any contract with American Express. I have never done business with this company. They failed to provide me with a signed contract that validates them to collect this debt. I am not liable for these collections. I should not be responsible for a debt that I did not do. I am a victim of identity theft and I had to submit a police report and FTC affidavits the credit bureau for proof that my identity was stolen and these companies are still is saying that I owe them. My next steps will be to get an attorney and sue because they are calling me after a do not call letter had been sent. They are destroying my credit with this false accusation of this account. I sent them a letter requesting proof any contracts, signatures, a copy of my id anything that shows I opened these accounts and all they sent me was a bill which only shows me that someone went shopping.
Consumer complaint received 2017-10-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

After numerous attempts to modify my loan I was turned down by Wells Fargo in XXXX. My last alternative is to short sale the home which they are blocking me and denying my ability to short sale the home. I received a phone call from XXXX XXXX this morning XXXX saying that the reason given for the short sale denial is given my past denials for loan modification? Additionally she stated that the senior vice president of wells fargo stated on XXXX not to approve me for a short sale. 

Previously, 3 times Wells Fargo had placed my loan in a short sale without my knowledge. No timeframes no notices were given to me and when I called to find out what was going on, they said the time was up. I then proceeded to request the notification which is mandatory that my loan was in a short sale, from Wells Fargo. They could not produce the letter. moreover I was speaking with the collections department who was masquerading as the short sale department and hung up after I was on hold for an hour. I reported this behavior to XXXX XXXX in the Office of the president. He said he would look into the matter and listen to the telephone calls. 

Now I am faced with an excuse I ca n't wrap my mind around. I complied with what they told me and submitted every requested document. This request for a short sale originated from Wells Fargo. The request to send the offer in 40 days before the sale date was fulfilled and they called back and asked for additional documents which I complied with and then I get the call this morning. This is all coming from " the re-entry department ''. 

This is my last alternative to foreclosure and I understand the basis of denial. Was I not to apply for a loan modification previously? 

I have a buyer ready to purchase and a back up offer ready to go. Please help me not to loose my home to foreclosure.
Consumer complaint received 2017-10-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (MD)

I received a letter from Southwest Credit Systems after disputing the information that I owe a cable bill from XXXX. I asked for the original contract of the bill, as well as identifying information such as my birthday, SSN, or any other identifying factors that would show me that this debt is mine. I knew that the information is incorrect because I use XXXX for my internet, with the bill and all of the information is in my name, and not anyone else 's. They are reporting on an account that I never had, as my XXXX and account are current with XXXX. They are calling and sending harassing information to my phone and reporting to the credit bureaus that this information is correct. It was deleted on my Equifax account in XXXX of 2017 and then placed right back on my account without any notice. After my second time disputing it I do n't know what else to do because this is not my bill, and I should n't be responsible for this bill. I have had this company for at least three years and none of my bills from XXXX are in collections with this company.
Consumer complaint received 2017-10-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Key 2 Recovery, Inc. (TX)

I did n't really know which option to select. The company, key2recovery, began calling me several times a day earlier this week. I received no written notice of a debt and, when I called to see what this was in regards to, found that they were attempting to collect on a time locked debt that is several years past the statute of limitations. 

Much more troubling, when they " verified '' my information, they read out the last four of my SSN and my date of birth and asked me to say yes or no as to whether the information was correct rather than asking me to provide this information. I am VERY uncomfortable that this organization is providing my personal information over the phone after I provided my name only ( which is n't even my legal name any longer ). They left the name on my voicemail, meaning that, if I had changed my phone number in the past 10 years, any random person who had been left this message could have called back, provided the name from the message, and been provided my SSN and DOB.
Consumer complaint received 2017-10-26
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I do NOT have a signed contract nor any contract with Capital One. I have never done business with this company. They failed to provide me with a signed contract that validates them to collect this debt. I am not liable for these collections. I should not be responsible for a debt that I did not do. I am a victim of identity theft and I had to submit a police report and FTC affidavits the credit bureau for proof that my identity was stolen and these companies are still is saying that I owe them. My next steps will be to get an attorney and sue because they are calling me after a do not call letter had been sent. They are destroying my credit with this false accusation of this account. I sent them a letter requesting proof any contracts, signatures, a copy of my id anything that shows I opened these accounts and all they sent me was a bill which only shows me that someone went shopping.
Consumer complaint received 2018-12-06
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Dynamic Recovery Solutions, LLC (AZ)

Dynamic Recovery Solutions is contacting me about a XXXX Account they bought from a different collection agency called XXXX XXXX about a debt they said I owed from 2010 to XXXX XXXX. I requested them to cease communication and they threatened to sue me when I do not know of this account and also the beyond the statue of limitations.

Dynamic Recovery stated that they can still contact me as they said this is their first contact, I however and not aware of any XXXX Account from 2010, or any other year. I requested them to stop contacting me and was told they do not have to.

This is a formal complaint against both XXXX XXXX XXXX and Dynamic Recovery solutions. they have clearly violated the FDCPA. the number they called me on is a number they could have only gotten from my credit file and is a very new number. as they stated this account is from 2010, and can not validate this debt with XXXX, I am requesting a thorough investigation into both of these companies.

I have never received any written communication about this debt.