davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I had a lease with  XXXX   XXXX   XXXX .   My car was in the accident and it was a total loss.     I had full coverage with insurance and they supposed to pay for the car in full.   But they had issues with body shop where I took the car, so they did n't pay in full.     I was suing insurance company and I won in court, but the whole litigation process took over a year. Once I got money from insurance company after winning in court, I paid to   XXXX   XXXX   XXXX   Since  insurance  company did n't pay in full initially,  XXXX   XXXX   XXXX  put a mark on my credit bureaus profiles that I have a derogatory account. And even after I paid them with the money I got from the insurance company, it still stays on my credit report.     I always pay everything on time and do n't have any missed payments ever, but with this situation with   XXXX   and insurance company now I had a bad account on my credit report which stays there for 7 years and prevents me from buying a house or getting any loans.
Consumer complaint received 2017-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Continental Finance Company, LLC (CT)

My account with  Continental Finance w as re-billed in the amount of  XXXX  on  XXXX , this is for a disputed transaction, an item I did not receive. Apparently the merchant provided a response to dispute which I did not receive, was not provided. I was not given a chance to reply, my account was automatically re-billed without my knowledge. I found out about it after recently checking my account, it is currently over-limit due to this. The item in dispute, a mens  XXXX  watch, was not in package when received. I 've attached photos of  XXXX  box showing it empty. The merchant,  XXXX , is known to send defective items and or empty watch boxes out. This is nothing new for them, its happened twice in the past. This information was provided in dispute, however, the bank does not seem to care as they have re-billed the amount without giving me the chance to reply in re.
Consumer complaint received 2017-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL (WA)

XXXX    XXXX   I was making a purchase in a Gap store and was asked if I wanted to be a 'Gap rewards ' member - there was no mention of signing up for a credit card, not did I want to. I received a new  Visa  card in the  XXXX  and my purchase went on this Gap visa card instead of the card I handed the cashier. The whole thing was deceptive and I never wanted the card.
Consumer complaint received 2017-05-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: WELLS FARGO & COMPANY (NJ)

I have been a customer  of Wells Fargo  since   XX/XX/XXXX . I  started off with a secured credit card with a deposit of {$500.00}. After a year of use they refunded my deposit and increased the line to {$700.00}. Abo ut 6 months to 1 year l ater I had applied for an increase and they countered with {$900.00} limit. With my current liabilitie s ( mor tgage, car payments, etc,  my DTI is  only 25 % ). My current  credit score flu ctuates between mid and high  XXXX .  Income  is  XXXX  annually. I do have  XXXX  negative items from high school / college year s ( w hich have been paid off yet still lingering on my report - probably why I do n't have a  XXXX  score at the moment ). However, my report states  XXXX  missed payments on all accounts and my utilization is currently at 22 % ( and again Debt to income ratio is only 25 % ). I do not have any bankruptcies. I also had over {$50000.00} last year in a savings PMA account with  Wells Fargo.  Regardless of this they still would not increase my limit over {$900.00}. I applied with   XXXX   and I now have a {$16000.00} credit limit with  XXXX . This card allows me to make every day purchases while still keeping my utilization under 30 % ( which is known as good utilization ). As a result I had moved all my accounts over to  XXXX . The aforementioned facts are to help you understand why I am filing a formal complaint. I feel that  Wells Fargo ' s business practices are unethical. Considering credit is extremely important in all financial aspects in America, I feel suppressed by unwarranted reasons. The letter I had received in the mail had said I was denied due to " inquiries in last 2 years on credit report and high balance as compared to credit limit or revolving line ''. I had called customer service and expressed the inquiries were due to my home purchase last year. I had also asked how they could perceive a 22 % credit utilization as " high balance ''. She said I was not privy to know what they considered " high utilization '' as it 's part of their proprietary algorithm. That does n't seem very compliant with the fair credit reporting act. The last reason was " insufficient length of time accounts on credit report has been established ''. I have an account that is over 10  years old,  without missed payments, active and in good standing. Again she would not inform me what they considered a " sufficient length of time ''. Overall I feel that banks and credit lendors have an ethical responsibility to inform clients of their business practices and educate their clients as to achieving better credit status. I feel unfairly suppress ed by Wells Fargo and I hope others can learn from this experience.   Unfortunately closing the card would only hinder my credit status.
Consumer complaint received 2017-05-07
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: BARCLAYS BANK DELAWARE (NH)

Barclays bank has made excessive hard inquiries on my report which has had significant negative impact on my credit scores. I have repeatedly mentioned this to Barclay to no effect.On the Barclay site when you request a credit increase there is no indicator that a hard inquiry will be made at the time. I have attached a screen print of the hard inquiries showing on my credit report at   XXXX   XXXX   as of   XXXX
Consumer complaint received 2017-05-06
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: EQUIFAX, INC. (TX)

Upon reviewing my credit it looks as if I have ALOT of credit injuries that DO NOT belong to me. I even have some that show up on multiple dates. I 'm unaware of these injuries. I contact   XXXX   the week of  XXXX   XXXX ,   XXXX   and spoke with a  XXXX  representative from which I did n't get anything but a hard time and someone who belittled me. On  XXXX   XXXX ,   XXXX  , I sent a Multiple Inquiry Removal Letter via certified mail from the United States Postal Service to  XXXX , which was delivered at   XXXX   XXXX   on  XXXX   XXXX ,   XXXX   in  XXXX , PA  XXXX  asking them to investigate. On  XXXX   XXXX ,   XXXX  ,  XXXX  sent me a letter back stating " that the injuries are accurate and that I needed to contact the creditors. '' I contact the creditors and was told to put in a dispute with the credit bureaus. also sent a Multiple Inquiry Removal Letter via certified mail from the United States Postal Service to  XXXX  which was been delivered and is available at a  XXXX   XXXX   at    XXXX   XXXX   on  XXXX   XXXX ,   XXXX   in  XXXX , TX  XXXX  and Equifax which was was delivered at   XXXX   XXXX   on  XXXX   XXXX ,   XXXX   in  XXXX , GA  XXXX . According to the FCRA Rules, FCRA  623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it st ates that any information can be disrupted and MUST BE INVESTIGATED and if you do not investigate and respond, the CRA must delete and disputed information from its files. The fact that received a response 3 days after the receipt of my certified letter shows that there was n't any investigation into the mater. I plan to purchase a home and with inaccurate information reporting on my credit will make it seem like I 'm in a financial struggle which is n't the case. I 'm submitting this complaint due to the lack of investigation into my original dispute for hard inquires that does not belong to me. This is unfair practices by a credit reporting agency and that is n't fair.
Consumer complaint received 2017-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I have sent IRS Not ice of Withdrawal of Federal Tax lien to  Equifax,  XXXX  and  XXXX  to delete the entry from our records, and they have not.
Consumer complaint received 2017-03-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Stearns Ventures, LLC (NJ)

Stearns Lending over paid our 2016 taxes by over {$10000.00}. They then increased our monthly payments {$1500.00} a month and continue to overpay our taxes. This is causing hardship for our family. I have been calling them for three months and ca n't get this resolved. We do n't know what to do as no one seems to be able to resolve the issue. Our only option would be to refinance - in this market we would get unfavorable rates. It 's unbelievable to us that this can happen!
Consumer complaint received 2017-04-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is AGAIN, a blanket complaint of all XXXX bureaus! 
Some information that I requested to be removed or corrected has been done. However, the responses regarding the INQUIRIES that I asked to be removed - what a JOKE! 
I did NOT AUTHORIZE OR ALLOW the creditors listed within those inquiries, to pull my credit! PERIOD - therefore, those are FRAUDULENT AND UNAUTHORIZED!! 

So, why am I being told that I NEED TO CONTACT EACH CREDITOR to have them remove the inquiry? WHO IS IN CHARGE OF MY FINANCIAL CREDIT REPORT? You, the credit bureau ( crook ), are collecting my financial data, so therefore, it is YOUR JOB to remove, add or correct MY INFORMATION. Period, end of discussion! 

Now, this is my last request, REMOVE ALL INQUIRIES ON MY CREDIT REPORT BETWEEN THE TIMEFRAME OF XX/XX/XXXX TO XX/XX/XXXX. I am going to seek an attorney, if all inquiries are not deleted, and a new report with scores, is not sent within 15 business days from today. 

CFPB, do YOUR job and assist me with this, as this has been going on since XX/XX/XXXX. 
I await your responses... 
I NEVER AUTHORIZED OR ALLOWED ANY OF THOSE CREDITORS TO RUN MY CREDIT, AND I WILL NOT DO YOUR JOB FOR YOU. YOU WORK FOR ME, THE CONSUMER, AND THEREFORE YOU ARE LIABLE FOR THE ACCURATE INFORMATION ON MY REPORT. GET IT DONE, GET IT RIGHT. I AM TIRED OF SENDING THESE COMPLAINTS!!
Consumer complaint received 2017-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (VA)

I have a  VISA Signature  credit card issued b  y Citibank.
I have enrolled for automatic payments of the minimum a  mount due to avoid late payment fees.     I usually pay the last statement balance to avoid interest charges.     The problem I am going to describe below is documented in a PDF file that contains a screen shot of the payments webpage of  Citibank  containing the pertinent information.     Yesterday,   XXXX   XXXX    2017 I lo gged in to the  Citi Visa w ebsite to pay my last statement balance. The webpage showed the minimum due, and the additional payment  ( {$1800.00} )  that had to be made to pay the statement balance  ( {$1800.00} ) . I submitted this additional payment, and the page showed " Remaining  Statement Balance Du e  XXXX - XXXX -2  017  {$0.00} ".      HOWEVER, JUST MINUTES LATER THE PAYMENTS PAGE ONLY ACCOUNTED PAYMENTS FOR {$1800.00}, WHICH TRIGGERS AN INTEREST CHARGE FOR PURCHASES.     I reported the problem at least 3  times ( and spent a substantial amount of time doing it ), and the agents always say that system shows that the minimum payment was not paid, which contradicts Citibank Visa own web page ( as you can verify in the above mentioned PDF ).      At the very least this is a software defect, and potentially it is a ploy to charge interest on purchases with the justification that the balance due was not paid
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Cell # XXXX XXXX XXXX XXXXXX/XX/XXXX Subject : Dispute of Inaccurate Information in Credit Report Dear XXXX I am writing to dispute the following information in my credit report. I have reviewed my credit report and found that it contains inaccurate information regarding a collection/charge-off account. I am requesting that this information be removed under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e ( b ), 15 U.S. Code 1681s-2, and 15 U.S. Code 1681i ( a ) ( 5 ). Account Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reason for Dispute : The information reported is inaccurate and does not comply with the requirements set forth in the FCRA. According to 15 U.S. Code 1681e ( b ), credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information. Additionally, 15 U.S. Code 1681s-2 ( a ) outlines the responsibilities of furnishers of information to provide accurate information. Furthermore, 15 U.S. Code 1681i ( a ) ( 5 ) requires the deletion or modification of information that can not be verified. I have enclosed copies of the following documents to support my dispute : copy of your credit report page with the disputed item. 
Please conduct a thorough investigation of this matter and remove the inaccurate information from my credit report. I request that you provide me with a written statement confirming the deletion or correction of this information. Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Navient Solutions, LLC. (TX)

In  XXXX , I was unemployed and became past due on my student loan. This information was reported to the credit agencies.  Navient re ports that I was approx. 200 days past due. In  XXXX   XXXX , I submitted appropriate documentation to resolve the past due account which was back dated to  XXXX   XXXX   XXXX . I then enrolled in school in  XXXX   XXXX . I recently contacted Navient to obtain documentation that the account issue was resolved in  XXXX  and became current. Navient indicates that I was not sent a notice indicating that I applied for an unemployment hardship deferment. I have had a difficult time obtaining documentation that my student loans were current in  XXXX   XXXX -todate in  XXXX .     The past due account was reported to the  XXXX  credit bureaus. In order to obtain a professional license today, the state license committee is requiring me to submit documentation that my student loan past due accounts were resolved and have since been current. I have had a difficult time obtaining this information. Navient employees had been rude and have provided incorrect information concerning my accounts. I need to resolve the matter as quickly as possible.     In addition, I would like to know why the back-dated documentation resolving the past due amount did not prevent the account from being reported to the credit bureaus as a negative transaction.
Consumer complaint received 2017-05-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NV)

I have been pa ying {$360.00} a month for nearly 16 years ( roughly {$70000.00} ). My original principal in   XXXX   was {$23000.00}. Why is this loan not paid off three tim  es over?!! Navient say s its a 7 % interest student loan, but only 50 % of my payment is applied to the principle balance. I 've done the math over and over, I have an auto loan at 7 % and 85 % of my payment goes to principle. What kind of math are they using? This loan should have been paid off years ago. They are thieves! They wo n't give me any explanation ... they just show me where I signed their contract and they give me payment history, but never say why my loan balance is not decreasing at a 7 % rate. I 'm refusing to pay any more. Maybe they 'll talk to me if I do n't pay.
Consumer complaint received 2017-05-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

I applied to consolidate and refinance my federal student loan from an agency called   XXXX   XXXX   XXXX   XXXX   in   XXXX   XXXX  , in order to reduce the payments I was making at the time. I completed my application for consolidation and refinance, and received word that my new consolidated private loan was sold/given to  Navient. I  prepared to begin payment of my loan in   XXXX   XXXX  , and continued to receive billing statements from   XXXX   XXXX  , my previous federal loan servicer. I proceeded to call and speak with customer service representation at   XXXX   XXXX  , who stated that there was no information in their data base indicating my loans had been paid off and/or consolidated. In turn, I called   XXXX   XXXX  . The customer service representatives at this agency also stated that it appeared as if my consolidation process/payoff was not presenting as complete. In turn, I called  Navient, wh ose customer service representatives stated that no evidence of partial consolidation/payoff was observed, and that further inquiry would be required. Thus, I had received verbal guarantee from representatives of both   XXXX   XXXX   and  Navient tha t inquiry would be made regarding the observed and confirmed error, and follow up communication would occur. I waited for a period of weeks, with no reply from either entity regarding this matter. Meanwhile,   XXXX   XXXX   continued to bill me for the federal loan. In the same period, Navient private loan department began contacting me about payment deadlines for my new private loan. At this point, I became very concerned, as I had  XXXX  agencies billing me simultaneously, and no follow up communication to update me about the progress of my consolidation, even though my loan was stated to be complete and privatized p er Navient.  Without any further communication from the aforementioned parties, I developed an emotional panic, and reached out to a third loan consolidation agency, which in turn led to financial victimization  ( See  CFPB complaint #  XXXX   ) .  The ultimate res ult of this error has been significant unethical financial loss to my family, as well as a persistent emotional distress I have experienced since it became apparent that multiple agencies were billing me for a student loan, and I received no follow up assistance despite the appropriate communication efforts, which I made in good faith and trust in these entities.
Consumer complaint received 2017-05-08
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: Resurgent Capital Services L.P. (NC)

Dear   XXXX   XXXX   XXXX     : This is in regards to an account that was opened in my name around  XXXX  that I recently saw on my credit report and learned you are attempting to collect  XXXX  from me.     I am an identity theft victim, and the debt you are trying to collect is the result of fraudulent usage of my personal information without my consent. Please cease contact with me or anyone else about this debt, with the exception of a creditor or consumer reporting agency to restore my good standing.     Under law, you  may  only contact me once more to acknowledge that you have received this request.   Under the Fair Debt Collection Practices Act, I have the right to view copies of applications of other proofs of this debt your agency possesses. Please forward these documents on for me to view.     I expect to receive your confirmation that you have received this notice by  XXXX / XX/XX/XXXX
Consumer complaint received 2017-05-08
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. (NC)

On  XXXX / XXXX /17 I filed a complaint with TransUnion in regards to  XXXX  accounts that were reporting on my Credit Report inaccurately as these accounts were not mine. I requested TransUnion to provide sufficient information to investigate the disputed information, and they did not provide me with whom said accounts were verified with along with their contact information. The following accounts have not been properly investigated by law : Chapter  XXXX  Bankruptcy Maryland   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   These accounts have bee n labeled as Dispute n ot Specific however they were also considered " verified. ''