davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Recently I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of the inaccurate or unverifiable information ( A ) In general if, after any investigation under paragraph ( XXXX ) of any information disputed by consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file to the consumer. 

Please remove the following items from my credit report, immediately : XXXX XXXX of XXXX {$45000.00} Account Information Account Number XXXX Date Opened XX/XX/year> Open/Closed Open. 

XXXX {$2900.00} Account Information Account Number XXXX Date Opened XX/XX/year> Open/Closed Closed XXXX {$2600.00} Account Information Account Number XXXX Date Opened XX/XX/year> Open/Closed Closed XXXXXX/XX/XXXXXXXX XXXX XXXX {$45000.00} Account XXXX Account Number XXXX Date Opened XX/XX/year> Open/Closed Open. 

XXXX XXXX {$2600.00} Account Information Account Number XXXX Date Opened XX/XX/year> Open/Closed Open. 

XXXX XXXX {$2900.00} Account Information Account Number XXXX Date Opened XX/XX/year> Open/Closed Open. 

XX/XX/XXXXXXXX, XXXX {$40000.00} Account Information Account Number XXXX Date Opened XX/XX/year> Open/Closed Open. 

XXXX XXXX {$2600.00} Account Information Account Number XXXX Date Opened XX/XX/year> Open/Closed Charged Off. 

XXXX XXXX {$2900.00} Account Information Account Number XXXX Date Opened XX/XX/year> Open/Closed Charged Off
Consumer complaint received 2015-07-14
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

USAA Federal Savings Bank issued a XXXX from to me, but upon checking my credit score, I saw that USAA did not delete debt. It is still showing the amount and it is still open. Please help me resolving this matter because USAA is not helping me and they are rude. I tired to explain to them to take it out on my credit report but they always hang up the phone on me.
Consumer complaint received 2024-09-02
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. (MI)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.
Consumer complaint received 2016-03-15
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Advance America, Cash Advance Centers, Inc. (GA)

In XXXX 2016 a collection account showed up in my credit report. I contacted the debt collector and made payment arraignments to settle the debt of {$380.00}. On XXXX XXXX 2016 the agreed payment of {$200.00} to settle debt in full was paid and acknowledged as received. Instead of updating credit bureau report as paid in full, it was updated to balance of {$180.00}. After discussions with both XXXX XXXX XXXX and XXXX they both stated that they will continue to hold my credit report hostage until {$180.00} is paid despite the fact that they have issued a letter to me that the debt is " settled in full ''. This obvious coercion violates the good faith negotiations that produced the settlement and payment of an account.
Consumer complaint received 2016-03-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC. (NY)

Debt was the result of fraudulent charges that were charged to my XXXX account as part of a prepaid rental. The rental was prepaid with priceline.conm to include insurance at a cost of {$200.00} for 3 days. At the end of the rental an additional {$230.00} was charged to my card in addition to the original {$200.00}. When I inquired about the duplicative charges I was told that is was for additional insurance policies that I never asked for and some were actually duplicative. The prepaid amount included {$9.00} per day of damage and collision but XXXX included the same insurance at {$27.00} a day without my consent. XXXX and XXXX both agreed that the charges should have never been posted to my account and XXXX voided the charges. I am now receiving a collections notice that these fraudulent charges are being put on my credit report. I never received a certified letter from the collections agent just a regually mailed letter as well.
Consumer complaint received 2015-11-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (GA)

i had agreement with wells fargo due to me being layoff, i kept my agreement term, my letter of agreement state that i would pay XXXX for 6 months and after i found a job that my go back to paying what i was paying which was XXXX.well i went back to paying my normal payment from XX/XX/XXXX to XX/XX/XXXX went to bank to make my XX/XX/XXXX payment i was told that my home was in forclose. still no answer wanted me to pay XXXX which i did not have. please help, i have been in my home for 18 years
Consumer complaint received 2016-03-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CA)

Respected XXXX Please help as I am being harassed by these credit bureaus as they are not being fair in their reporting. 
Initially when I was doing short sale and loan modification, XXXX Bank had promised us it would not reflect on our credit reports and the only way the Federal law would allow us to " short sale '' or do " loan modification '' would be by missing payments for XXXX 6 months It has been XXXX 2009 and more than 7 years since the short sale of XXXX XXXX XXXX, XXXX XXXX and a similar amount of time since the late payments for loan modification for XXXX XXXX XXXX XXXX XXXX XXXX, but all the XXXX credit bureaus refuse to remove this information inspite of repeated requests, written letters etc. This is adversely affecting our credit reports and scores and we are ending up paying very high monthly mortgage for our primary residence. This is very unfair as all this information per law should be removed once it is 7 years old and any late payment information once its 2 years old, and this is because they repeatedly called and asked us to do it. 
Please see attached letter Due to this reporting my credit score has suffered for past 7 years and I have been paying an APR of XXXX when I can be easily eligible for an APR of XXXX or XXXX for the same Jumbo loan on my primary residence XXXX, XXXX XXXX XXXX, XXXX, XXXX The extra money will help secure my child 's future and education and my wife and child 's security as I am the only earning member of the family I recently had XXXX XXXX at age XXXX and Thank XXXX I am completely XXXX free and expect to live a normal long life for XXXX to XXXX years XXXX willing. 
However at this point XXXX and need help from the Federal agency such as yours to correct these issues which are not fair. I know colleagues making much less and recent grads but because of their credit score they got much lower rates. My Child and family are entitled to the same level of security and I need your help I have been trying to refinance my mortgage for past 2 years and after months of paperwork am given the run around. 
All I can request is to please help and have the credit bureaus be fair and remove the negative information from all XXXX reports because in the first place I was promised they would never go on my file and second place it has been more than 7 years since the short sale and more than 2 years since any late payments. 
Please help resolve this as soon as possible, I have XXXX banks in their final stages of refinancing but are giving me higher rates just because of the negative information on my credit reports As a Physician Keeping an excellent credit is my number XXXX priority SSN XXXX Thank you and sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2015-05-26
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Integrated Recovery Services (OH)

This collection agency contacted me via phone on XXXX/XXXX/2015 at XXXX pm and left a computer generated message claiming that I must contact them to avoid civil action. They contacted me again at XXXX and I was n't able to answer the phone. I called the number back at XXXX and spoke with a XXXX XXXX who was very rude to me and did not tell me what the call was about. When I asked him what the call was regarding and his contact information, he asked " what are your plans to pay what you owe, you owe XXXX ''. He never once disclose that he was attempting to collect a debt, nor did he validate the debt information to me. When I asked him for his contact information, he asked me what did I need it for and that he only accept payments via telephone. I told him that I wanted the information so that I can dispute his claim and he told me that I can dispute the claim in XXXX XXXX XXXX. He simply hung up the phone right after he made this statement. I called the number back because I assumed it was a scam the way the XXXX conversation was handled ; I called back at XXXX and the same person XXXX XXXX answered the number again. I told him that we had a conversation earlier and that I was calling back to get the contact information. He kept trying not to give me his information and continued to asked whether or not I plan on paying and how I plan on paying. He never stated he was attempting to collect again on this call nor did he validate what the debt was for with competent documentation. The representative also claimed that they had a legal department that I needed to contact about this as well and initially I was told that their name was Integrated legal services. I do n't know if the address that he gave me when I called back at XXXX is correct being that they were not honest initially on what the name of their company was and the fact that the representative refused to give it to me. All I have that I am certain of is the number that is on my caller I.D on my telephone from where they called from and the message that was left threatening me with legal action if I did not return their phone call. I have the voicemail that was left on my phone saved as well. The message that was left on my phone nor the representative that I spoke with Disclose that this was an attempt to collect a debt.
Consumer complaint received 2016-03-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

After Transunion deleted the illegal XXXX CONNECTED TO A XXXX XXXX from XXXX, which i have NO BUSINESS WITH, they inserted now an account that I assume was associated with it, they refuse to block the account and as such I have asked them too without any response. Why would you block a fraudulent inq then allow the account to appear. XXXX and XXXX both did not allow such account to appear. In the enhanced Inq section of my hard copy report it listed the information as XXXX XXXX, " SYNTHETIC FRAUD '', I want this account blocked ASAP.I have filed a complaint with the FTC, ID Theft Center, Privacy Rights, and CFPB prior. Transunion refuses as always to assist victims in there XXXX rights, further I have filed numerous police reports and XXXX INSPECTOR REPORTS. The account is numbered XXXX and listed as XXXX,
Consumer complaint received 2016-03-15
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (NJ)

I have experienced a variety of issues with my loan application with Wells Fargo : 1. My application was mishandled with full of inefficiency and miscommunication and took unnecessarily long ( nearly 2 months ) to reach a decision. So much time and effort was wasted during the process and I had to switch to another lender at the end. The closing was delayed by at least two months. 
2. My loan was rejected with a wrongful reason. The rejection letter simply stated " insufficient funds to close the loan '' as the reason, which is against the fact and the documents I submitted. This also harmed my reputation and credibility as I had to present the rejection letter to the seller for extension of closing. 
3. I requested detailed information based on which my loan was rejected and refund for payments I made to Wells Fargo. They keep telling me that they need more time to investigate without any further explanation. It 's been more than 6 weeks now and they have n't provided any information I requested. This, as I understand, is a violation against my right under Fair Credit Reporting Act.
Consumer complaint received 2016-03-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (MA)

Hi. Sadly- my house was illegally forclosed on in 2010. We were made to file bankruptcy. 
I should not have to suffer because XXXX XXXX stole my house. Can you please help me take XXXX XXXX off my credit report and my bankruptcy? 
.... The very least that could have been done when they were n't made to follow through with the indepent forclosure review.
Consumer complaint received 2016-01-22
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: U.S. BANCORP (TX)

I opened an account at International Bank of Commerce ( IBC ), XXXX XXXX the XX/XX/2015 in XXXX XXXX XXXX XXXX. I was informed that a credit card displaying the name of this bank, thru Elan Financial Sercives was mailed to my house in XXXX the next month. I did not ask nor authorize this line of credit to be opened. After speaking to the IBC I was told that I had to cancel the card, which I did before the end of the year. I reported it as fraud, and was told that reports from the credit agencies would be mailed to me. They were, to XXXX. 
I live in XXXX, I opened the bank account in XXXX, IBC has no banks in XXXX, but all this information was sent there. 
After speaking to IBC this month again, to find out why a line of credit was opened without my knowledge or authorization I was told that there are XXXX credit cards with different numbers, and presumably different lines of credit opened by Elan Financial. I have been given to case workers number who is open only the hours that I work, and after several calls has never answered my calls or returned my messages. I have no idea where the second card is, and do not know if additional lines of credit are being opened.
Consumer complaint received 2015-07-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (FL)

Prior review to a compliant that I had received a check due asc put forced insurance on me when I had homeowner insurance asc was getting kick back by place every client on forced insurance and there was class action suit well I was told since I was under review the money went back to escrow since my house is sold during a review the week XXXX day prior I sent doc of course missing doc, I want my check that due to me, next issue the bank was using a higher appraisal then discover after the fact there was a lower appraisal by XXXX lower and admitted that they should have use that after the fact that discrimination the that I 'm XXXX and my son is XXXX between all income totals up XXXX XXXX dollars a month so I was n't sent a letter of the sale date prior to it happening and suppose a there were deadlines where the letters stating that where the copy requesting a postponement of sale date to there lawyer, I was told over the phone that is n't legal and when I asked about the escrow I was told I do n't get it back, I do n't place the force insurance I had insurance that was paid for I want that money back asap they promise XXXX Mos of good credit history never happen
Consumer complaint received 2024-11-23
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. (OH)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-11-23
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. (CT)

I am writing to formally notify you that I am a victim of a data breach and identity theft, which has resulted in the unauthorized accounts being reported under my name. Pursuant to 15 U.S.C.

1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate blocking and deletion of the following accounts from my credit file : Unauthorized Accounts : XXXX. XXXX  XXXX XXXX Account XXXX : XXXX Opened : XX/XX/XXXX Amount : {$1600.00} XXXX. XXXX XXXX Account Ending : XXXX Opened : XX/XX/XXXX Amount : {$660.00} XXXX. XXXX  XXXX Account Ending : XXXX Opened : XX/XX/XXXX Amount : {$1900.00} XXXX. XXXX Account Ending : XXXX Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX Account XXXX : XXXX Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX XXXX Account ID : XXXX Opened : XX/XX/XXXX Amount : {$200.00}
Consumer complaint received 2016-03-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (MA)

Hi. Sadly- my house was illegally forclosed on in 2010. We were made to file bankruptcy. 
I should not have to suffer because XXXX XXXX stole my house. Can you please help me take XXXX XXXX off my credit report and my bankruptcy? 
.... The very least that could have been done when they were n't made to follow through with the indepent forclosure review.
Consumer complaint received 2015-09-14
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Medical Business Bureau (TX)

My first time seeing outstanding medical " bills '' was on my credit report from a company called Medical Service XXXX in the amount of {$6800.00}. When I sent Medical Service XXXX a validation of debt letter ; they replied with only {$3600.00} all of medical bills that are covered by XXXX and XXXX for my children and XXXX small bills that were paid by my insurance company and my deductible. When I provided proof and ask them to respond with a verification of this debt to be valid and true in 30 days, there has been no reply. The company can not validate this debt because it does n't exist. I 'm requesting these billing be removed from my credit report.
Consumer complaint received 2016-02-10
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Freedom Mortgage Company (NV)

I would like to lower my mortgage monthly payment. I know about the pmi reduction and a lower interes that are now in the market. My loan is a FHA and I need to save so.e money because a reunification family and I can not get benefies of any goverment plan or rate reduction because lender XXXX me all the times in the proposawith a very high APR and hidden fees. 
My loan was sold to freedom mortgage and this company wanted to make me get involve in variable interest rate and I almost get into the trap. 
I would like to find a honest lender to refinance my actual FHA loan and get the reduction in my PMI that was lowered by goverment days after my loan closed. 
My credit is excellent it was XXXX in early XXXX although I dont know anymore after aplying to many nation wide lenders that wasnt honest to me. They want good and excellent credit people to get you but not to offer you a better conditions. 
I would like some help with a honest lender recomended by the goverment. Thank you
Consumer complaint received 2016-01-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CO)

I am a co-signer for my Daughters school loan. I have XXXX loans. She has been XXXX. I have informed Navient in the past that she was XXXX and that the max she could pay them was {$150.00}. It seems that they never document her account because I have had this discussion EVERY month for the last 8 months. 
I received no phone call or direct mail to inform me that a payment had not been made. 
I called to discuss that as the co-signer was not properly notified. I would bring my account up to date. That because I was not properly notified as the co-signer I request that they remove the delinquent from my credit. 
I had difficulty with the representative, XXXX XXXX # XXXX. 
1. He does not speak XXXX very well. When I asked for a fluently XXXX speaking representative XXXX was not " available '' 2. I was told XXXX different numbers that needed to be paid. XXXX ( her monthly agreement {$150.00} ). 
total bill of {$670.00} or the total bill of {$940.00}. 
3. He told me he would not remove the late payment ( remember I am the co-signer and I was not properly notified ). I asked for his supervisor. XXXX was not provided. He then told me he COULD remove it from my credit-IF I gave him authorization for auto debt from this point forward. I do n't do auto debt. There have been some complaints filed of Navient messing with peoples bank accounts that I read on line. Another concern was he told me XXXX different numbers that needed to be paid. {$280.00}, {$670.00}, or {$980.00}. The monthly payments are {$150.00} I thought about going ahead and giving him an account number if it meant removing it off of my credit. He told me in another sentence he WOULD NOT be able to remove it from my credit. 

I then got frustrated and pointed out how many times I repeated myself and had to explain things. That he was telling me XXXX different things. The amount owed and his authorization to remove from credit. Also that a supervisor was not available-but I could hear someone in the back ground coaching him? 
The bottom line was I was only able to talk to him-the communication was confusing- I was told to give him my bank account number or he would disconnect the call. 
My call was disconnected ... .... The End