davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-14
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX REQUEST TO REMOVE UNAUTHORIZED CREDIT INQUIRY To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report. Your immediate attention to this matter Is appreciated XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX DOB- XX/XX/XXXX Email - XXXX SSN- XXXX Phone number XXXX Inquiries that need to be removed are listed below XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX
Consumer complaint received 2024-10-14
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: Experian Information Solutions Inc. (AL)

I am writing to express my concern regarding the unresolved inaccuracies on my credit report. Despite multiple requests for a thorough investigation of these disputed accounts, no corrective action has been taken, and the errors continue to harm my credit file. These inaccuracies are causing significant personal and financial hardship. 

I kindly request that you conduct an immediate and comprehensive investigation into the disputed accounts. It is crucial that my credit report is updated and corrected without further delay to restore its accuracy and integrity. I trust you will treat this matter with the urgency it deserves. 

Thank you for your prompt attention and assistance in resolving this issue.
Consumer complaint received 2024-10-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2017-01-13
Product: Debt collection — Payday loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: TrueAccord Corp. (PA)

I received a payday loan several years ago and continuously receive harassing and abuse emails from a 3rd party debt collector - to my personal email address. The emails are abusive, continuous, and seem to become worse. I receive abusive emails -approximately one email every 8 days. Via these emails, I have been harassed consistently, called irresponsible, and also called childish. I have received a total of XXXX harassing emails since XXXX 2015. I have saved all emails from this collector.
Consumer complaint received 2016-10-24
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (FL)

A company called CBNA made hard inquiries to my XXXX credit report on XXXX/XXXX/16 and XXXX/XXXX/2016. I I do n't know who this company is and I certainly did n't give them permission to run my credit. There is no phone number for them on the credit report, just a notation " by mail only. '' The address XXXX XXXX XXXX XXXX, SD XXXX follows. Repeated letters to that address were ignored. I sent one by certified mail, so I know it arrived at that address. 
I must assume that there is some sort of fraud going on, or I would have received a reply with an explanation. I have no way of knowing if accounts were opened in my name, using my credit, without my knowing. I can only assume that they have been.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

XXXX XXXX XXXX :
Consumer complaint received 2016-07-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (GA)

It has been more than sixty days since my Chapter XXXX was discharged. Ditech Financial promised to release my account to regular customer service. They never did even after calling several times once every week. They raised my mortgage without communicating with me. When I sent the regular payment on XXXX XXXX, they did n't post it to my account. Also they reported my account as closed to the XXXX credit bureau.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2017-03-28
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

I wanted to proceed with a mortgage refinance on my primary residence and I was rejected by USAA Federal Savings bank due to my debt to income ratio which was 48 %. The associate stated that the debt to income ratio should be 45 % or under. So I applied with my wife as joint applicants. We were turned down as well due to the fact that her credit score was below XXXX ( XXXX ). I am displeased due to the standards imposed in trying to apply for a refinance. We are hard working individuals that want to consolidate the XXXX mortgage loans into XXXX.
Consumer complaint received 2016-10-24
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

Bank of America charged an overdraft fee of {$35.00} for a transaction that did not overdraft the account. I have attached a download of the transactions with the transaction in question highlighted. As you can see there is a balance of {$62.00} after the transaction is processed. I have also attached the email indicating I was charged a fee. This is clearly an error, or more likely an intentional fleecing of the customers of this giant corporation.
Consumer complaint received 2017-01-12
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

On XXXX XXXX, XXXX I went onto www.carringtonms.com to make my mortgage statement. I have grace period to the XXXX to pay my mortgage but due to it being after that date my online payment included the {$50.00} late fee. I checked repeatedly to make sure that I input my routing number correctly and my bank account number and made sure the payment was submitted. I received a call on the XXXX of XXXX from someone at Carrington and I returned their call on the XXXX of XXXX. I spoke with a gentleman who informed me that they attempted to receive the payment and it came back account not found. I told him that I had made sure I input the correct information. I went ahead and made the payment over the phone that same. On the XXXX of XXXX I returned home from a business trip and opened a letter from Carrington dated XXXX/XXXX/XXXX stating that it was rejected for a account not found reason and stating that my payment must be in certified funds only although they received the payment by check on the XXXX, I called their customer service and spoke with XXXX representatives. The first told me that I had to make my payment today so that it would n't be late because they are closed on the weekend and Monday is a holiday. I told her I have until the XXXX to make a payment but I would go ahead and make it today. I went online to make the payment and saw that the payment due was $ XXXX.My payment is currently {$1200.00}. I was on the phone with a representative and told her what it showed. She told me that if I paid over the phone with her that I would save {$35.00} and that they had credited my account. she told me once I paid it to give her the confirmation number. I told her I did n't see where my bank account was refunded. She said that I would n't see it. It would be held in their ( Carrington Mortgage ) account as a credit until my next payment. I told her that I wanted my money back and I never gave Carrington permission to keep my money. She informed me in order to receive my money back I would have to show them a copy of my bank statement. I told her thats none of their business and why they needed to see my bank statement. I spoke with XXXX different representatives. XXXX hung up the phone, the other XXXX all said different things.I told them I just wanted someone to tell me the right thing. They all said Carrington does't give peopl 's money back and in order to do so they need to see a bank statement. I am pretty sure I put the correct information into the payment system the first time. A few years ago they told me the same thing at that time I thought they were credible now I do n't believe they are.When I checked my credit report today Carrington Mortgage had reported that I had missed a payment. That I owe {$1300.00} and that I am 60 days behind on my mortgage to XXXX
Consumer complaint received 2016-10-23
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (TX)

From XXXX to XXXX we were involved in a 'workout mortgage ' with Wells Fargo due to my husband 's job loss. 

This was the most miserable experience I have ever been thru in my life. We asked for a reduction in principle due to the reduced value of our home and was denied many many times. We had XXXX Wells Fargo Loan Officers assigned to our mortgage that would not return calls, mishandled documents, and consistently had full emails or voice mails. It seemed to have all worked out in Wells Fargo favor. Wells Fargo took the money from the government and instead of reducing our principle amount, we were offered a refi with all fees and charges included, so in essence they collected from the Tax Payers in a bailout of the mortgage industry and collected from us to save our home. So today, we have an awful loan that is still screwing us. 

During this process, we had XXXX drive by inspections with notes left on the front door. I have a XXXX '' tall file of correspondence and recaps of constant phone calls and letters to save our home, but twice, they sent inspectors by the house to see if we were still living in our home. WE QUESTIONED THIS AT THE TIME, and we were told this was standard to find a note on the front door and an extra charge added to our mortgage. I kept XXXX of the notes we found on the front door concerning these illegal inspections. 


XXXX courts have declared the inspections and fees as illegal. I want these charges paid back to my loan. I do n't care what agreement you all come to and what happens to everyone else, I want these charges paid back to my mortgage loan outstanding balance. It was wrong at the time, I told them it was wrong at the time. 


We have banked at Wells Fargo since XXXX XXXX, XXXX, we set up a joint account the Thursday before we got married.. My current Wells Fargo bank statement is XXXX pages long with accounts. How do you get these people to treat you fairly? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2016-09-12
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (WI)

My student loans were in default. I completed student loan rehabilitation and then my loans were transferred XXXX XXXX to XXXX XXXX XXXX. All my XXXX XXXX loans are closed except XXXX that is showing open and I am over 120 days past due. I have verified with the National Student Loan Registry Database as to my student loan servicer and none of them are with XXXX XXXX or Navient. I called XXXX XXXX & Navient directly and they do not have any loans in their database for me. They told me to call Navient as some loans got transferred to them. I contacted Navient and they too told me that I have no student loans with them either. I have now disputed this charge on my XXXX credit report 4 times and they still say that I own this money and I am past due.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Unauthorized inquiries : EXPERIAN XXXX XXXX XX/XX/year>
Consumer complaint received 2016-07-12
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I 'm in the process of a short sale on my home because this was the only option Bank Of America gave me. I use to have my XXXX loans with Bank of America ( XXXX and XXXX liens ) NOW while negotiating my short sale Bank of America went ahead and sold my servicing rights to XXXX. NOW XXXX who is my first lien holder approved my shortsale BUT is only giving Bank of America who is my second loan {$6000.00} and Bank of America wants {$12000.00} to release. As of this morning Bank of America has stated that they will NOT work with us in closing the short sale because they want {$12000.00}. Is this legal for Bank of America to do? hold me hostage to foreclosure?
Consumer complaint received 2016-05-23
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIZENS FINANCIAL GROUP, INC. (RI)

Received high fee for insufficient funds. I can not see, by way of my online account page, at which point I went below in order to incur the fee. I logged on XXXX day to see a balance, XXXX as yet " unposted '' items and XXXX deposits by way of funds transfer ALL with the same date. I was told by a teller if funds are deposited on the same day - no fees will occur. 
Fees are WAY to high for many people who are banking and living at the very edge. Charge a fee that corresponds with the amount of interference the lack of funds meant to or affected the bank. Did my {$2.00}, {$5.00} or {$19.00} debit with insufficient funds render the bank unable to continue on? Did my mistake mean the country 's economic health may suffer or banks may close up shop? Not even close. The fees are unrealistic for most Americans. 
Make the fee match the burden put on the bank for the mistake instead of trying to break the customer.
Consumer complaint received 2016-12-29
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: HUNTINGTON NATIONAL BANK, THE (MI)

This compliant is in regards to a business credit line for my business XXXX. I currently have an installment loan with this bank with an initial loan for XXXX. I currently owe a balance after XXXX years of {$13000.00} in which I will be paying off as of XX/XX/XXXX because it does not make sense to pay a set amount based on XXXX when the loan is down to XXXX. I have not missed a payment and I am in good standing with the bank and my payments were all current and to date. I have a good credit score per personal in the XXXX 's and business score for my business because I was just recently approved for XXXX approx a month ago in credit card but the bank did not have a credit line product so I applied at Huntington Bank due to I have a relationship with them and a installment loan. I applied for a credit line for XXXX dollars and was told the process would take XXXX hours however after XXXX weeks I called XXXX and he stated that they were backed up on loans and also read the Email back to me stating the underwriting said that If I had a hard time paying off my current loan that would be an issue but which the banker, XXXX must have gotten the information confused that he sent to the underwriter becuase I told him I was paying of the existing loan but I express to the banker, XXXX I am paying off the existing loan but I just wanted to apply for the creadit line to have a credit line available it took XXXX weeks to find out I was denied but did not find out by that banker XXXX but only after calling several other personnel for customer service and branches. I am writing this compliant because I feel I was unfairly denied for a business loan I should have received. These are the following factors : XXXX. This existing loan will be paid off as of XX/XX/XXXX XXXX. I have good personal and business credit XXXX. I have been in business over 15 years XXXX. I have not missed a payment on the loan XXXX and have paid XXXX XXXX years current and in good standing. I feel the banker has dropped the ball and handle this particular banking issue reckessly. Further, I have several other credit lines and have had for over 20 years and all are in good standing. This is the lst time I have encountered a situation where it takes XXXX weeks and still no answer until I call another bank and even they thought it was odd to wait XXXX weeks for a decision. Last, I am writing this compliant due to the banker XXXX not properly conveying my circumstances for receiving a credit line and has in essence blown my chances for a credit line I was suppose to receive based on my currently standing in business and I feel not only a violation for my business but my rights as a business owner. 

Desired Outcome : My desired out come is to have my case properly conveyed and reviewed so the outcome by the underwriter can be made with proper and correct information and not misinformation.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

Please review the attached letter. Thank you for your assistance.
Consumer complaint received 2016-12-29
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo deceptively opened a personal line of credit. It has fees attache with it to have it open and it gave be a hard ding on my personal credit report. When I spoke with Wells Fargo they said " sorry '' and they will talk within their internal teams to resolve it - no solution or help for me ... 

THE STORY : I went into Wells Fargo XXXX, CA to get a new credit card for XXXX that I lost. When I did that the banker recommended I open a personal line of credit - which would have an interest rate between XXXX %. Then I should move my credit card balance to that and pay off my debt slowly with a lower interest weight. No brainer - right? 

When I opened the account - I received a XXXX % interest rate - higher than my credit card. When I called the banker back, he said sit on the account for XXXX months and do n't use it, then Wells Fargo would lower the rate. Obviously, that never happened. That account has been sitting open, untouched, unused. Not even once. Why would I? It 's higher than my credit card interest. 

I have been paying fees on this account to have it open ( if I close it I get another hard ding ). When I opened it, Equifax gave me a hard ding as well.