davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-15
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: CARRINGTON MORTGAGE SERVICES, LLC (FL)

I have been making my payments on time for last several years by My XXXX XXXX billpay. Recently I began receiving several calls from you. 
I called today to find out the problem. I didnt think it was the payment because I knew I was sending the payment every month. The representative told me that I sent in The wrong amount. I did NOT receive anything telling me the payment had changed So I continued to send the usual payment OF {$980.00}. I was told that the payment had changed for the XX/XX/2018 payment from {$980.00} to {$1000.00} a difference of only {$72.00}. I did NOT get anything in the mail ; it may have been lost. I get other peoples mail in my box all the time.I spoke to XXXX in the Escalation Dept. # XXXX who payment to cure the shortage. 
. I have now corrected by billpay to reflect the current Monthly amount of {$1000.00}, which will be sent going forward. 
Please exercise your discretion under the circumstances and waive any late fees and correct my payment history.
Consumer complaint received 2018-02-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Trident Asset Management, L.L.C. (CA)

I asked the collection agency to validate the XXXX debt they have been trying to collect on. I received no response. Instead, I experienced more aggressive collection activity. I explained to them that this has been paid long ago and that they were reporting this same account several times. Since they refused to validate the bill I then disputed this account information as inaccurate with the bureaus. 

When I asked for validation of the debt I asked for very basic items. Absolutely no response. FCRA requires a debt be verified 30 days during which time the disputed debt is not supposed to be reported. 

The collection agency is ignoring my requests for validation, reported a disputed debt, and is re-aging and duplicating the same exact debt that was paid long ago.
Consumer complaint received 2018-02-15
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (FL)

On Saturday, XX/XX/XXXX - I made a furniture purchase at our local furniture store. I requested a credit limit increase with Wells Fargo Home Furnishing Credit Program, an account that I have had open for many years. The credit limit was increased as requested, however not for the amount of the purchase. In good faith I paid the difference in cash. However, I opted to contact Wells Fargo on Wednesday, XX/XX/XXXX to request reconsideration of the credit limit increase to prevent the card from being at 100 % utilization. Wells Fargo advised me that the only way to request a reconsideration was to repull my credit report. The representative also steered me to believe that I needed to state additional income of my spouse on the application for reconsideration in order to be a approved. Being that I needed the reconsideration and was under the impression that the additional income would help the outcome, I approved Wells Fargo to repull credit. I was advised to follow up 30 minutes later. When I followed up 30 minutes later, I was told that I was declined and they were unable to advise me a ) of the decline reasons b ) if they repulled my credit a second time. I requested to speak with a manager and they were unable to answer either question ; however shared that I may request a 3rd reconsideration if I permitted a 3rd repull of my credit report. I then notified them I was reporting Wells Fargo to the CFPB and was sent to an Executive Escalation contact who was unable to assist with my reconsideration request or provide any insight as to the reasons for the decline of credit. 
I feel this is not only predatory by requesting a 2nd and 3rd credit report but also that I was targeted and steered to list additional unnecessary income when my DTI is less than 20 % of my total income for a credit card. It is not acceptable for any financial institution to repull credit arbitrarily and impact FICO scores for up to 2 years. I feel that I was mislead, taken advantage of and given no explanation for the decision and hope that I have recourse in this situation.
Consumer complaint received 2024-11-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-11-07
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. (MI)

I XXXX XXXX XXXX, A Victim of identity theft, request removal and deletion of the listed accounts on my Transunion credit reportXXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year>.
Consumer complaint received 2018-07-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (NJ)

I have contacted Navient on many occasions to no help, I have requested a supervisor and have been denied, I have requested proof of my co-signature and still nothing. I have proven to them that their lack of due diligence in the loan origination has lead to years of credit damage and financial damages to me. Still I have nothing, the only request I had of them is to remove me from a loan that they do not have any proof of my signature since I was serving my country in XXXX when this loan was originated, still they refuse to even escalate this, costing me thousands of dollars in higher interest rates due to my lower credit. PLEASE HELP
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Collection Bureau of Fort Walton Beach, Inc (FL)

On XX/XX/2018, I pulled my credit and noticed an account from Collection Bureau of Ft Walton Beach with a balance of {$42.00}. I assume this came from a medical bill since the original creditor was XXXX XXXX. I paid the balance due over the phone and was promised, calls are recorded, that the account will be removed/deleted from my credit report sinceI paid in full. It's more than 30 days later, and the account has still not been deleted.
Consumer complaint received 2018-02-14
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: CITIBANK, N.A. (TX)

In last three complaints XXXX, XXXX, XXXX XXXX/CITIBANK has not addressed my concern. XXXX/CITIBANK has admitted they had wrong mailing address and wrong contact phone number on their file which is why Plastic cards or statements never delivered. 

XXXX/CITIBANK still not admitting they gave the TEMPORARY CARDS ( with my name ) to wrong person or XXXXs employee misused it. 
CITIBANK or XXXX ( merchant ) has not given me any evidence the temporary card was handover to me. I already mentioned in my last three previous complaints - I applied for the cards but temporary cards were not issued, reason given was computer issues. I need direction from CITIBANK/XXXX to tell me what they need from me to prove that? Isn't the incomplete address/wrong phone number no hint enough on your side.
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have made multiple written requests to XXXX, XXXX, and Trans Union to correct and/or remove mistaken name, address, and other identification information. Each the foregoing, however, appear to either partially address requests or introduce alternate mistaken information in subsequent mailings/reports/communications. 

The concern is that intentionally mistaken/defective variations of my identity and/or address result from the mistaken information notwithstanding my repeated attempts to ensure that all information is correct. 

I have provided clear, legible, copies of my Social Security Card and XXXX drivers license confirming my full name, suffix, and physical address, yet I continue to receive correspondence/report related materials reflecting mistaken variations. 

I never authorize the omission of my suffix from my full name ( or the variation of the appearance of my suffix ), and I do not authorize the suggestion of alternate addresses/sub-addresses/intentionally defective addresses. 

In XXXX and again this year I received fraudulent XXXX forms pairing my name with a mistaken Social Security Number. The concern is that these forms are partly attributable to the defective identification information maintained by XXXX, XXXX, and Trans Union without my consent ( and in spite of my repeated written attempts to provide correct information ). 

I am attaching an example of XXXX of multiple written attempts to correct all identification information maintained by XXXX, XXXX, and Trans Union.
Consumer complaint received 2018-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (PA)

XXXX XXXX XXXX XXXX XXXX As stated on my letter XX/XX/2018 the refund has not been credit to my account as stated by Citi due to they sold it to a collection company. As stated we are issuing a full refund. statement credit of {$370.00} that has been applied to my account and will appear on my statement as stated by Citi as they sold it to a collection company that account needs to be bought back due to the fact that there was a dispute then when they had the account to there fee 's that they never took in to account.
Consumer complaint received 2018-02-14
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Since I have this auto loan from Capital One since XX/XX/2016, I've always paid its monthly payment. However, around XX/XX/2016, I asked for an extension for my XX/XX/2016 payment due to personal reason and was granted such extension. Either due to miscommunication or administrative procedure to process the extension, Capital One somehow reported my XX/XX/2016 payment as 30 days delinquent in my credit report. I talked to their customer service trying to correct the inaccuracy and was told the report was accurate. While confused, I tried multiple times to persuade them to correct it considering my excellent payment history and goodwill regardless. Yet they seems to be adamant about their decision which caused significant damage to my credit. Besides, their way of handling this is quite unreasonable and inappropriate to a loyal customer with very consistent payment history.
Consumer complaint received 2018-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

For the last several years Capital one has been conducting soft pulls on my credit and sending me offers. Some of these include prequalified offers. On XX/XX/XXXX I responded to one of the offers and a hard pull was conducted on my credit dropping my score about 5 points. The card responded that I needed to provide proof of income which I complied with. The card application was ultimately declined and the company cited they still could not verify my income. I am a XXXX vet currently receiving a pension as well as education benefits. I am not currently employed because I am a full-time XXXX student. I will be attending law school in the fall. This means my income is a mixture of student loans, merit scholarships, GI bill housing allowance, and XXXX payments for my service-connected XXXX. My application was denied solely based on the type of income I have which I believe violates the equal credit opportunity act. After the denial letter arrived I received a pre-approved letter for a different type of capital one credit card. The notice stated to enter a code to accept my card. I believed the card was associated with the first application so I entered the number. The card pulled my credit again and I received an e-mail shortly thereafter to provide yet again my financial information. These two transactions have dropped my credit score 12 points and I still do not have a card. On XX/XX/2018 I called capital one an spoke with XXXX operator number XXXX. I asked XXXX to cancel both my applications and remove the credit pull on my account. I explained I believed the company violated the equal credit opportunity act because the sole denial reason was my income. I also explained that upon further research I saw Capital one paid a 3 million dollar fine for discriminatory lending practices and I did not want to do any business with the company. I asked that they never pull my credit again ( soft pulls ) and never send preapproval notices again as  they are just being used as scams to get people to apply.
Consumer complaint received 2018-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I would like to have a bankruptcy remove off my credit. I have contact the federal courts about the bankruptcy which they sent me a letter stating that they do not provide information with reporting agency and the reporting agency has went through a third party XXXX XXXX to obtain information which is incorrect.
Consumer complaint received 2018-02-14
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account status incorrect
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (IN)

Filed for Bankruotcy Forclosed on property and equity credit line bankruptcy discharged property foreclosed on and sold to soneone else i no. Longer live at or own this prooerty THE EQUITY CREDIT LINE WAS THROUFH XXXX  XXXX. I RECENTLY STARTED GETTING CALLS AND STATEMENTS FROM XXXX XXXX XXXX XXXX WICH LOOKS LIJE BOUGHT THE LOAN FROM XXXX   XXXX THEY ARE BOW TRYING TO COLLECT ON A LOAN THAT WAS DISCHARGED IN BANKRUPTCY I CONTACTED THEM AND NO LUCK
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to formally dispute inaccurate information that is currently being reported on my credit report. XXXX is incorrectly reporting the following details about my alleged account with : Current Closed balance : {$820.00} Original balance : {$6500.00} Last payment : {$0.00} Account status : Voluntarily surrendered, XX/XX/XXXX Settlement offer does not match credit report balance due. 
These details are inaccurate and misleading for the following reasons and must be DELETED IMMEDIATELY. The account shows as " voluntarily surrendered '' in XX/XX/XXXX, which misrepresents the situation. The total purchase amount changed to {$6500.00}, which is why I wanted the merchandise return. Again, this furniture, was surrendered in XX/XX/XXXX, NOT XX/XX/XXXX. The creditor is offering a settlement amount of {$1300.00} and if I pay this, I would have full ownership of the merchandise. If I voluntarily surrendered the merchandise in XXXX of XXXX, how can I have full ownership. I have been harassed by the creditor for 3 years by emails and text messages requesting a payment. Obviously, someone dropped the ball at their end. I was authorized to surrender these items by XXXX XXXX, from the resolutions dept. None of these amounts reflect what the credit agency is reporting on my XXXX credit report. Obviously, someone at your end has dropped the ball. This is clearly a violation of the Fair Credit Reporting Act ( FCRA ), section 611. Correct this error by deleting this account. I was approved for {$2.00} and not {$6500.00}, which is why I stopped payment on all attempted transactions. ( See attached docs. ). I complained about this various times. My name not XXXX XXXX XXXX. It is XXXX XXXX. See attached doc.
Consumer complaint received 2018-02-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

Me and my mom bought this house in XXXX. And we got loan from XXXX with adjustable rate. It went go up to 8 % and never go down. 
Then we had business hardship in XXXX and tried fix rate modification but it denied and short sale failed, too. 
One of agency ( XXXX ) help me to prevent foreclosure and i paid every month. 
Three years later i notified i was involved as victim in mortgage fraud when i got a phone call from detective in fraud and cyber crimes. 
Now i tried modification and paid 3monthes trial payment on time to wells fargo but it denied cuz of cloud on title ( slender title ). 
There is 10 people and only one person I know and she was staff of agency. There is no my mom and my name on deed anymore .... 
I WOKE UP IN THE MRN AND I FOUND NOTICE of trustee 's sale ATTACHED MT FRONT DOOR last friday on XX/XX/XXXX. 
Foreclosure sales date is shown on XX/XX/XXXX. 
i am totally lost and i do not know how i can my title back and get modification with principal reduction. 
My house condition as not as much worth than market price as price ... .. 

plz help me how can i do ... ..
Consumer complaint received 2024-10-05
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. (ME)

I was advised in XXXX  by XXXX that someone had filed a Income tax report requesting a credit using my name and s.s. number. I filed the form XXXX Identify Theft Affidavit with the IRS and now get a new pin number each year. 
My Expreian credit report shows an address that is not and has never been mine ; S.Carolina # XXXX, XXXX, SC XXXX. My credit report is locked. I asked Experian to remove this false address from my report and they requested that I contact the FTC to begin a removal process. The FTC web page directed me to CFPB. 
Experian also advised that this address had been used in XX/XX/year> for application to XXXX XXXX for a credit card that was approved with a credit limit of {$500.00} but has not been used. Experian also asked that I contact XXXX XXXX after processing this request for help and submit your response to XXXX XXXX to inform them that the request for a credit card was fraudulent.
Consumer complaint received 2018-02-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (FL)

XXXX XXXX was sold an account from XXXX XXXX sold an Account number XXXX that allegedly belonged to me with a amount due of {$3400.00}. I am requesting for XXXX XXXX to provide me with a copy of the original contract, which bears my signature, for the aforementioned account.
Consumer complaint received 2018-03-30
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. (CA)

I am a victim of identity theft and had duly notified the relevant authorities. As a results, I sent this company my dispute on XX/XX/XXXX, attached with all the relevant documents to verify my claims and expected them to block/ delete inaccurate Inquiries information from my credit report within 3 days as required by law but they have not. The fraudulent inquiries which I did not authorize are still showing on my credit report and have resulted to me being denied credit.

Please delete these fraudulent inquiries from my credit report : XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX