davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-05
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (NC)

XXXX continues to report an account to my credit report that was in previously opened and charges made without my permission the account was included in a Bankruptcy filing due to prior Id error the account was removed and added back to my credit file without prior warning
Consumer complaint received 2018-06-05
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (NC)

I have a loan with CREDIT ACCEPTANCE CORPORAT. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and CREDIT ACCEPTANCE CORPORAT with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX and XX/XX/XXXX-XX/XX/XXXX.
Consumer complaint received 2018-06-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Someone got my information and try opening up accounts in my name and theres a lot of inquiries on my report. XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2018-06-04
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Worldwide Processing Group, LLC (LA)

I am getting constant phone calls from a company named -forward movement recovery, daily. They said in a voice mail that they will start calling friends, relatives and work if I didn't call. I called a number listed in XXXX Louisiana. They use local areas somehow even though they are calling from somewhere else.the number wasXXXX this is Fraud. They told me XXXX XXXX and XXXX wanted XXXX. I admit, I had pay day loans, but went thru XXXX XXXX XXXX and paid the amount required to satisfy the loan. XXXX was my REP. The number is XXXX don't owe anything. I get calls at work, on my cell etc ... everyday from different numbers stating local areas I was told by the rep that even though I paid for this years ago, these companies still sell my accounts to collection agencies.
Consumer complaint received 2018-06-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

We contacted TransUnion Credit Reporting Agency about a week ago we did call for a date but the customer service would not give us the call date. The complaint is XXXX XXXX credit score was about 735, then it dropped 25 points. XXXX called TransUnion to ask why his score had dropped XXXX points they said it was due to a old negative mark from XX/XX/2011. The negative mark as been on his record sinceXX/XX/XXXX and is the only negative mark on his record and is due to come off XXXX of this year. They admitted he had good payments and other negative marks.
Consumer complaint received 2018-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

RE : Experian Report # XXXX ; XXXX File # XXXX On XX/XX/XXXX, I sent XXXX a letter requesting am investigation under FCRA Section 623 regarding tradelines I previously disputed with Experian and XXXX. These inaccurate tradelines were incorrectly verified by the credit reporting agencies. 

My letter ( attached ) included report numbers from the above-mentioned bureaus ; my name and address ; the account numbers as listed on the credit reports ; and the relevant pages from my Experian credit report ( attached ). 

This letter was sent via Certified Mail, Return Receipt. XXXX received the letter on XX/XX/XXXX ( # XXXX, attached ). 

On XX/XX/XXXX, I received a response from XXXX ( attached ) dated XX/XX/XXXX indicating that my dispute was frivolous and requesting the " specific accounts '' and " an explanation of the basis of the dispute. '' I object for two reasons : ( 1 ) All requested information was provided in my letter of XX/XX/XXXX ; ( 2 )  According to the FTC, the Fair Credit Reporting Act allows XXXX to determine that a dispute is frivolous or irrelevant under certain circumstances but requires them to notify the person who made the dispute of that determination within 5 business days of receiving the dispute. This means that a letter determining my dispute to be frivolous should have been mailed by Friday, XX/XX/XXXX. XXXX 's letter to me is dated XX/XX/XXXX, was postmarked on XX/XX/XXXX ( envelope image attached as Exh. " B '' ) and received on XX/XX/XXXX. Therefore, XXXX has violated my rights under the FCRA.
Consumer complaint received 2018-06-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Sierra Holdings LLC (CA)

Around XX/XX/2015, I notified XXXX XXXX XXXX that I was a member of the United States XXXX and I was being XXXX and could no longer pay on this very high interest car loan. On 10 occasions I called or emailed the company to try to figure out a alternative payment arrangement, the company never responded. I also requested relief using The Servicemembers Civil Relief Act ( SCRA ), the company never responded, which is a clear violation of the SCRA. I finally requested for the car to be picked up voluntarily.
Consumer complaint received 2018-06-03
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. (AZ)

My XXXX XXXX XXXX/XXXX XXXX credit card # : XXXX is lost/stolen, and has fraudulent and unauthorized charges on the account. The following accounts are all fraudulent and dont belong to me : XXXX XXXX XXXX, XXXX XXXX/XXXX, XXXX XXXX XXXX/XXXX. The following credit inquiries is fraudulent and dont belong to me : XXXX XXXX/XXXX, XXXX XXXX   XXXX/XXXX.
Consumer complaint received 2018-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Resurgent Capital Services L.P. (TX)

I have a old defaulted credit card account originally with XXXX XXXX/XXXX XXXX it is several yrs old. It was bought by XXXX XXXX XXXX. They immediently " parked '' or " re-aged '' the debt ON MY CREDIT REPORT AS OPEN. I DISPUTED WITH XXXX XXXX and the collection agency and was was Told by XXXX XXXX that it Met FCRA AND I DONT THINK IT DOES. 
also XXXX XXXX ding loc had placed the account with. 
XXXX XXXX collections I was contacted by them agreed to a settlement amount of {$170.00} And was sent a settlement letter by email was I received it I called to make the payment and was told that XXXX XXXX had pulled the account because I had complained about their reporting practice.they then put it back on my credit report and gave it a newer date
Consumer complaint received 2018-06-04
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (CA)

I have raised this point internal at a branch level, and the " Customer Service '' of Wells Fargo Mortgage. 




The lack of speed in answering this complaint, the lack of interest to serve the customer, the lack of resolve. In the last issue was very valid. XXXX XXXX of Wells Fargo, after taking with my Husband, admitted on the phone that there was a lot of calls at the time period, and admitted there was some kind of agreement made at the time. 


In response to the complaint XXXX XXXX of wells Fargo responded, " I couldn't find the exact call so wells Fargowo n't change the record ''. The reality is, there was an agreement, and wells Fargo know this to be true but wont change the credit record because of a technicality, they cant find the exact call. XXXX XXXX did communicate the representative that did make the " arrangement is no longer with Wells Fargo ''. I was XXXX XXXX in hospital having XXXX, Wells Fargo knows this too, and i can provide hospital records too. The reality is I was In Hospital Wells Fargo Knows this, the reality is an Argument was made, and the person the agreement was made with no longer works for Wells Fargo. I am a good mortgage customer, with regular payments no late payments in two years. 




The consumer Financial Protection Website exists as a public recourse for consumers to read and see " customer service '' of institutions like wells fargo and how wells fargo responds to their customers. 




I file this complaint requesting the paid late being reported on my mortgage from a time I was in hospital was IN FACT paid " as agreed ''. Because there was an agreement in place to bring the account up to date by certain date. I made the agreement, wells Fargo AGREED to report " pays as Agreed ''. I kept the agreement, brought my account up to date ... But wells Fargo have displayed no HONOR and failed to honor the agreement. Wells Fargo reported on my credit 'late ''. My account is up to date, and has been up to date, for over two years now. Failure to report 'paid as Agreed '' when an agreement was in place serves as an ETHICAL representation of the service at wells fargo.

I give full consent for CFPB to publish this complaint, and I await Wells Fargos " customer service '' response.
Consumer complaint received 2018-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

I filed disputes online and the credit reporting agency said these were valid inquiries. I called and spoke to a rep on the phone who was not willing to help me on XX/XX/XXXX Please remove the following inquiries from my report as pursuant to 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by the consumer. 


XXXX Date Filed XX/XX/XXXX XXXX Date Filed XX/XX/XXXX XXXX   Date Filed XX/XX/XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX Date Filed XX/XX/XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX CARD Date Filed XX/XX/XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX THE XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX/XXXX   Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX Date Filed XX/XX/XXXX XXXX/XXXX Date Filed XX/XX/XXXX XXXX Date Filed XX/XX/XXXX XXXX CARD Date Filed XX/XX/XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX   Date Filed XX/XX/XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX   Date Filed XX/XX/XXXX XXXX XXXX XXXX/XXXX Date Filed XX/XX/XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX Date Filed XX/XX/XXXX XXXX Date Filed XX/XX/XXXX
Consumer complaint received 2018-06-03
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. (AZ)

My XXXX XXXX XXXX/XXXX XXXX credit card # : XXXX is lost/stolen, and has fraudulent and unauthorized charges on the account. The following accounts are all fraudulent and dont belong to me : XXXX XXXX XXXX, XXXX XXXX/XXXX, XXXX XXXX XXXX/XXXX. The following credit inquiries is fraudulent and dont belong to me : XXXX XXXX/XXXX, XXXX XXXX XXXX/XXXX.
Consumer complaint received 2018-06-03
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. (IL)

Experian is reporting incorrect information on my credit report. XXXX XXXX XXXX XXXX ( XXXX  ) is not in compliance with Metro2 Reporting. XXXX is reporting 30-60 day late payments for XXXX, XXXX, XXXX and XX/XX/XXXX which is not correct information. XXXX is also not reporting the correct address. The address ID associated with this account is not mine. I was never notified by mail by XXXX that they will be reporting negative payments on my payment history perusant to FCRA section 623. Experian is also not reporting a coplete account hisroty for this account. A lot of data is missing and/or incomplete in the Account History section. Persuant to FCRA 611 and 623 a consumer report must be complete and accurate. 

Experian is also not reporting correct payment history for my XXXX XXXX account. This account was opened XX/XX/XXXX and my payment history does not begin until XX/XX/XXXX. I am missing a entire year of on time payment history which is not fair, accurate and a violation of my consumer rights. Experian is also reporting an inaccurate XX/XX/XXXX late payment with this account. I take pride in paying my bills on time and these inaccuracies is embarrassing and a defamation of my character.
Consumer complaint received 2018-06-04
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: GENTRY FINANCE CORPORATION (UT)

I was told my pay off was XXXX I missed 1 payment since they relocated out of the city I am live and you cant pay over the phone, I had some serious medical come up .. anyway when I went in XX/XX/XXXX they said I now owe {$640.00} .. I tried talking to them, the lady was very rude and said its too late we sent it to an attorney so you can make a payment but it wont help you.. 
however what really upsets me and I think is against the law is that I sent someone over the next week to make another payment, they disclosed to him that I was delinquent on my account and also gave him my balance..
Consumer complaint received 2018-06-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Home Credit Corp. Inc. (NC)

Home credit trying to accused me of lying back in XX/XX/XXXX I did report that the car was my ex wife ... and the reason for that is because I bought it for her! Okay since you sitting to your computer replying back on messages why dont you reply with a settlement and I will show proof to your company when I made a partial payment trying to keep from repossession!!!! I want this debt offf my credit Im pretty sure you already sold the car and getting money from the new owner! How dare you reply that I was lying about a payment ... why dont you attach my last payment so Consumer Financial Protection Bureau can see your company took my partial payment and then repossessed my car!!! Show them that!!!
Consumer complaint received 2018-06-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: REGIONS FINANCIAL CORPORATION (AL)

I applied for a home equity loan with Regions Bank XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX dollars and was turn down. I was given no understandable reason, I asked for the reason in writing. Which I have not received.
Consumer complaint received 2018-06-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (NJ)

Citibank has consistently Either lowered our current city bank card and is now refusing to grant us a citi XXXX card even though my credit score is at 7:20 and higher. 

My wife and I got caught up in the current mortgage problems going on with XXXX XXXX. XXXX forest our home into foreclosure because we forgot to sign a single document even though our mortgage was being paid on time For five years We had to fight to prove this finally we got a lawyer and at that point XXXX finally conceded refinanced our mortgage and ended the foreclosure. 

Every other credit card service including XXXX XXXX and XXXX XXXX have granted as a reasonable credit limit and eased it, Citibank would lower our credit limit each time we paid the car down Citibank would lower our credit limit each time we paid the card down We currently have paid off all of the debt and are using a city simplicity card for purchases for my job and we are paying that bill almost completely each month Our mortgage is current and we have been paying extra down on it for more than two years We have a combined household income of over {$250000.00} In addition we have between our accounts and upwards of {$100000.00} in savings I actually have a friend who works for XXXX in XXXX XXXX XXXX who explained to me that citi flags the accounts of minorities went into financial difficulty and it is almost impossible once they do to get them to extend credit, even if the mistake or problem that created the financial hardship is not yours and even if you fix the problem and come out from under the financial hardship Since we are financially solvent and everyone from XXXX has extended us credit with reasonable and low interest rates m, I can only assume the information Ive been given about Citibank is correct If there is a more reasonable explanation I would like Citibank to produce it and show it to us If not I requested that Citibank remove the negative connotation for my account in award us and citi XXXX card If the information is correct I am asking that you sanction and fine Citibank for this deplorable practice
Consumer complaint received 2018-06-04
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: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I have an account with Capital One Quicksilver MasterCard.  Capital One change the Account number at XX/XX/2017 XXXX use to report that account every month. I dispute the account balance one time to XXXX. after that they stop report the account every month as they should. Several calls made to Capital One supervisor and several calls made to XXXX with Capital One on line ( 3 Way calls ) to insert the account. No, responses from XXXX. Capital One told me many times that they sand the farm to XXXX to insert the account an XXXX said we did not received any letter from Capital One Vis versa. that account reported before by XXXX and been reported by XXXX and XXXX.
Consumer complaint received 2018-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

American Express tells me that they transferred XXXX XXXX points as three XXXX referrals for the XXXX card, but they never showed up in my XXXX account. I have offered to provide screenshots of my XXXX account activity so they can verify, but they seem unwilling to help. They sent me XXXX points for my 4th referral, and the maximum for a calendar year is XXXX, so they owe me XXXX points. XXXX  According to this article, they may have had a IT glitch that caused the points not to be sent properly.
Consumer complaint received 2018-06-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC (PA)

I receiived a letter from Ditech Mortgage regarding refinancing of my home loan in late XX/XX/XXXX. I had about four years to pay off my loan, and inquired about the HARP loan. I was assured by everyone I spoke to that if I refinance it would be under the HARP loan and that within a year I could refinance at a guaranteed reduce loan rate. So, I decided to do the refinance in XX/XX/XXXX. I extended it for an extended time, because I wanted to give myself a year to catch up on other bills, and I knew when the year was up my rate would at least be a point or two lower, and I would go back to my original payment. 
XX/XX/XXXX I called just to ensure when I could begin that refinancing process. I was assured in XX/XX/XXXX I could do my refinance with the HARP loan. So, I call again closer to the date in XX/XX/XXXX and I was told I did not have a HARP loan. I was upset and they transferred to a number where no one picked up the telephone. I called back on XX/XX/XXXX to once again to ask about my HARP loan. I spoke to a young man named XXXX on XX/XX/XXXX around XXXX XXXX I asked him to confirm that I did have a HARP loan. He said yes you do and I am eligible for a refinance. Then I said, could you send me proof of my loan being a HARP loan. He puts me on hold and comes back and says sorry you loan is not a HARP loan. I told him you just told me it was. I said I wanted to speak to a supervisor. She came on line and told me I never had a HARP loan. I told her that is not true. I was told by every single person I spoke to up to the signing of the loan I had a HARP loan. This young man just confirmed I had a HARP loan. Now you tell me I do not. She then begins to tell me they have not done HARP loan in years, which is a lie. 
The mortgage document I signed does not show HARP loan on it. I was not aware that it had to be stated, because I was assured by every single person I spoke to that it was a HARP loan. I was not asking for a hand out nor any special services. I was misinformed and blatantly LIED to about my loan from every Ditech employee I came in contact with. I want the loan I was promised a HARP. I am an American citizen, a veteran and a mother and grandmother. It is disgraceful how Ditech employees blatantly and continuously LIED to me. It made absolutely no sense for me to refinance with four years to pay off my mortgage in full, without a promise of a get. That get being a HARP loan with a promise of points taken off ( lower interest rate ) after a year. 
Please help me resolve this issue. I have never been in such a position before in my life. I was a paying customer of theirs for quite sometime and for such blatant lies is making me so sick. How they sleep at night is a mystery to me, because I am sure I am not the only person they have done this to. 

Thank you and I just want what I was promised. My lower rate after one year which was XX/XX/XXXX. Please let me know the next steps.