davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX SSN : XXXX DOB : XX/XX/XXXXXX/XX/XXXX EXPERIAN INFORMATION SOLUTIONS RE : Requesting a Method of Verification Letter RE : XXXX XXXX - XXXX XXXX XXXX - XXXX Dear Sir/Maam : I recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding erroneous items on my credit report involving a transaction with. I was saddened to learn that you somehow verified the disputed item, with my address and social security number, dont know how you did it, but, its not correct because XXXX DOES NOT have those accounts number attached to THIS ADDRESS! And electing to leave it on my report. 
I am absolutely certain that the items I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. 
I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. 
I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this deliberate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 
I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the items in question permanently expunged from my record. 
Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 
Very Respectfully,
Consumer complaint received 2018-04-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CIT BANK, NATIONAL ASSOCIATION (NY)

I AM HAVING MAJOR DIFFICULTY AS WELL AS MY ATTORNEY, AS GETTING AN ANSWER FROM CIT BANK FOR EITHER AN APPROVAL OR DISAPPROVAL ON THE STATUS OF A RE-MODIFICATION APPLICATION OF MY PRIMARY RESIDENCE!! THE PROBLEM IS, CIT BANK, NEEDS TO MAKE AN IMMEDIATE DECISION AS APPROVED OR DISAPPROVED ON THE RE-MODIFICATION, AS THEY ALREADY HAVE AN UPCOMING SALE DATE SET FOR XX/XX/XXXX, WHICH IS LESS THAN 30 DAYS FROM NOW!! I AM CURRENTLY IN A FORECLOSURE THAT HAS BEEN ON GOING SINCE XX/XX/XXXX AND HAS FILLED OUT MANY OF AN APPLICATION, WITH MANY OF THE BANKS, THROUGHOUT THE YEARS, AND RECENTLY HAVE SUBMITTED 3 NEW APPLICATION TO CIT BANK SINCE THE BEGINNING OF THIS YEAR. INITIALLY, THE MORTGAGE NOTE WAS HELD WITH THE FORMER XXXX XXXX XXXX TRANSFERRED TO XXXX XXXX XXXX AND AGAIN TRANSFERRED TO CIT BANK, WHO CURRENTLY IS SERVICING THE MORTGAGE LOAN FOR THE LAST 2 YEARS. 
I AM A XXXX, WHO CURRENTLY HAS THE MEANS TO PAY A MORTGAGE, AND MEET ALL CIT BANKS CRITERIA FOR A MODIFICATION, BUT, KEEP GETTING STONED WALLED WITH NO FINAL ANSWER ON THE STATUS OF THIS RECENTLY SUBMITTED APPLICATION!! THEY HAVE MORE THAN 5 YEARS OF BANK STATEMENTS AND HAVE THE LAST 8 YEARS OF MY FILED FEDERAL INCOME TAX ON FILE!! I NEED THE CFPB TO STEP IN AND INQUIRE WHY THERE IS NO DECISION ON THIS RE-MODIFICATION INLITE OF THE DOOMING SALE DATE WHICH WILL HAPPEN WITHIN THE NEXT 30 DAYS. 
IN XXXX XXXX XXXX, THE JUDGE OVERSEEING THIS CASE, IN AGREEMENT WITH THE CIT BANK ATTORNEYS, ALLOWED FOR THIS APPLICATION TO BE SUBMITTED AS THE JUDGE AGREES THAT I WOULD MEET THE CRITERIA FOR APPROVAL AND NOT HAVE THE BANK TAKE MY HOME. ANY FURTHER DOCUMENTATION NEEDED PLEASE LET ME KNOW!! YOU CAN REACH ME VIA E MAIL XXXX or call XXXX XXXX XXXX CIT BANK- PHONE- XXXX LOAN NUMBER-XXXX PROPERTY ADDRESS- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX
Consumer complaint received 2022-09-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo sends me monthly rent money from my trust. It is deposited on the XXXX of each month into my checking account for use the next month. This rent money is due on the first of each month, with a grace period of five days. They did not deposit my rent money this month ( XX/XX/2022 ). I called my XXXX  officer and she needs a budget form filled out and mailed back in order to continue my payments. This has always been done in XXXX or XXXX each year. This year the budget form was not sent to me and they continued depositing my rent into my checking account. I thought they finally realized that since it is just for my rent, a budget form was not necessary. I tried to tell her the money is needed now, but she just said she will send another form and then hung up on me. I do not want a XXXX officer who is rude and inconsiderate, but one who treats a client with respect and understands and listens. She is quite able to help and deposit my rent money while mailing out the budget form, but refused to even comprehend my stress and in the meantime, I still have no rent money for XXXX. The trust officers name is : XXXX XXXX, phone : XXXX. Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I would like another XXXX officer. Preferably XXXX XXXX.
Consumer complaint received 2018-08-27
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NH)

Freedom mortgage lost my XX/XX/XXXX mortgage check, thus charging me {$40.00}. I sent in a replacement check which they also lost, and charged me another {$40.00} and adversely affected my credit rating. OnXX/XX/XXXX I received a peculiar phone call from Freedom Mortgage. The individual on the phone bluntly asked me if I had sent in my XXXX mortgage payment. I was rather taken aback by this strange call, and said, " Yeah I did, Why? Did you loose that one too? '' He answered by telling me that they were calling random mortgagee 's and asking when they sent in their mortgage payments. I always sent mine in 3 or 4 days before the first of the month. He continued on to tell me that they had been having trouble getting their mail at their mortgage receiving facility since about mid XXXX. I replied, " Oh, is that why both of my XXXX checks were lost? '' He simply said, " Probably. '' I asked him if I could get something to that effect in writing so I could restore my credit. He said he would send me a letter stating the problem, but he was probably told by his superiors that such a letter would admit guilt. needless to say, I never got that letter. I never had a late mortgage payment in 23 years. Now because of their own negligence I have a bad credit rating, dropping about 100 points for two late mortgage payments. I have since sold my home, but would like to buy another. I have written several letters asking them to expunge the bad rating they caused, and to restore my credit. They have refused to assist me on any level. I know they are in violation of UDAAP laws as they knew this problem existed for about a year, and dragged their feet in getting it resolved with the Post Office.
Consumer complaint received 2018-04-20
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (RI)

I had an automatic payment of {$50.00} scheduled for payment to my XXXX XXXX Credit Card, because my minimum due ran around {$33.00} per month. In XX/XX/2016 i made some bigger purchases using my XXXX XXXX Credit Card, which them increased my minimum due for the month of XXXX. During this time I was out of the country and did not realize that the minimum automatic payment i had set up was not going to cover the increase to the minimum due causing for my {$50.00} automatic payment to not be enough to cover the minimum. This situation caused a negative reporting to the credit bureaus by XXXX XXXX which reduced my credit score by 95 points for this one late payment reporting. I tried contacting both XXXX XXXX and the credit bureaus because i felt that 95 points was too much for just one late payment, which was not even late it was insufficient. When speaking with one, they would tell me to contact the other. I opened a dispute with the credit bureaus and got no resolution.
Consumer complaint received 2018-09-13
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: Experian Information Solutions Inc. (AR)

In XX/XX/2018 I disputed an inaccurate account with EXPERIAN XXXX XXXX XXXX. The account I disputed was XXXX XXXX XXXX Account ending with XXXX well Experian did their investigation and the account came back verified and accurate. On XX/XX/2018 I typed a letter to Experian asking for their ( METHOD OF VERIFICATION ) for that account and dispute. I am absolutely certain that the item I disputed is incorrect and should be removed, so I was hereby exercising my rights under the FCRA 611 ( A ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. I have attached the letter that was sent to EXPERIAN via certified mail. I have a copy of the certified mail receipt that I sent the letter to the address listed on my credit report. On XX/XX/XXXX Experian received my certified letter started the process of my letter they received it and they refused and failed to send me my request. This is not right are you Experian investigating and verifying this account and me as the consumer cant the METHOD OF VERIFICATION like I asked for. Experian you are in violation of the FCRA and this is against the law and I will be filing a small claims suit for the non compliance for this matter. The letter was sent certified you received it and did the reinvestigation and failed to send me what I am entitled to see. I would like this account removed from my credit report. On XX/XX/2018 I received a letter stating that this account was verified and Experian wasn't going to investigate the matter again.. Experian you failed to send me by mail the proof and the method of verification that I am entitled to. On XX/XX/2018 I called the original creditor which is XXXX XXXX XXXX   and spoke with a XXXX XXXX XXXX agent her name was XXXX her rep id is XXXX and I asked her for the records of Experian Method 's of verification the agent stated she didn't have any records of the method of verification from Experian on this account This is not right and against the FCRA. Experian please remove this account from my file,, I will be going downtown to my local court and file this suit if this account isn't removed from my file. be advised I have all the paper work showing that is sent all letter to Experian and they received them and violated my rights under the FCRA. Experian was given ample amount of time to send the paper work and yet they refused to send me the METHOD OF VERIFICATION. please delete the account asap from my file or this will be a legal matter in court. and I will be entitled to damages for the non compliance and violation for the FCRA 611 ( A ) ( 7 ). and willful non compliance. I have attached the delivery notice, the certified mail receipt, the letter dated XX/XX/2018 and the Experian results,
Consumer complaint received 2018-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

According to my credit report and XXXX XXXX XXXX XXXX, my student loans from XXXX ( 2 loans ) dated for XX/XX/XXXX and Department of Education ( 4 loans ) dated for XX/XX/XXXX, XXXX XXXX ( 2 loans ) dated for XX/XX/XXXX : in which I was not born ; these loans were transferred to XXXX XXXX as the new debt collector for the loans mentioned herein. Since then, Ive started an loan rehabilitation with XXXX XXXX. 

Secondly, Ive disputed the hard inquiries on my credit report on numerous occasions. AroundXX/XX/XXXX, 10 hard inquires were removed from my CR and on XX/XX/XXXX there were all placed on there. Ive even submitted police reports that I was a victim of Identity Theft through numerous reports and contacted lenders and XXXX/ XXXX/ Experian continue to allow  for the information to be removed and replaced back on my credit report.
Consumer complaint received 2021-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX  XXXX XXXX  XXXX Date Opened XX/XX/XXXX XXXX XXXX Date Opened XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX Date OpenedXX/XX/XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2018-09-13
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nelnet, Inc. (NC)

I received a phone call from XXXX XXXX onXX/XX/XXXX in an attempt to collect a debt in the amount of {$630.00}.

On XX/XX/XXXX, I requested two months of forbearance on my loans because I lost my full-time job. These were granted with no issues, and I was not informed of any restrictions moving forward on using the rest of my forbearance months ( XX/XX/XXXX   remaining ).

I do not have a full-time job, and my monthly income is {$1800.00} ( I work three part-time jobs ). I am unable to afford my fixed expenses ( {$2400.00} ) in full so I attempted to speak with XXXX about using some forbearance while I tried to catch up. However, they informed me that 9 monthly payments must be made in between the use of forbearance before another 2 months can be used.

This is the first I've heard of these stipulations. I am behind on this loan and if I have 10 months of forbearance, it would be helpful to be able to use it since this is why it exists. I'm working on pulling up my promissory note from when I originally signed the loan with XXXX in XX/XX/XXXX ( XXXX now services XXXX XXXX  loans ) because I don't believe I was ever informed of us. If I was, I would have potentially reconsidered using the forbearance some months ago.

This aside, XXXX was unable to work with me any further on. Is this what it's come to? If people can't make a payment, they just push you into a bigger hole of debt?
Consumer complaint received 2018-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I do not have a contract nor any contract with Portfolio Recovery. I have never done business with this company. I am not liable for collection from this debt from Portfolio Recovery. I am not responsible for this debt with Portfolio Recovery.
Consumer complaint received 2018-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (UT)

My credit report with XXXX XXXX XXXX XXXX XXXX is showing that i owe a balance to XXXX state child support of almost 40 thousand, this is not true the balancein fact is nearly paid off and should be posting no more than 1000, in a couple months it should be paid in full i do not want to continue to have my credit showing balances owed that are not ive reported to XXXX   XXXX this is not accurate and they have not yet updated this information
Consumer complaint received 2022-09-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (NY)

On Wednesday, XX/XX/XXXX, I contacted Edfinancial to request a refund on all payments made throughout the payment pause that started in XXXX which is allowed under the Cares Act. 
I was shocked when they notified me that the processing times would be a minimum of 150 days. I called them again the next day to inquire about the refund submission process and from everything they told me made it clear that Edfinancial is the culprit in delaying the Refund request submissions to the Department of Education. 

It is clear as daylight that edfinancial is the ONLY student loan provider who is quoting these ridiculous wait times. XXXX, XXXX XXXX, aidvantage are only quoting 3-8 weeks turnaround time and people that I know with those loan providers are already seeing their loans reflected on their account. Whats worrying to me is that the application for forgiveness starts in XXXX and edfinancial wont be processing any of these in time for us to receive forgiveness. They stated that our loan balances wont be reinstated until the refund is processed which wont be until XXXX at the earliest for them. The interest rates and payments will resume again in XXXX. 

They told me on the phone that they can not send out confirmation emails or anything to prove that they indeed did send in our request. I realize with the influx of calls that getting our money back could take a while but its very concerning to me that theyre saying this entire process can take 6 months to a year when every single other student loan provider has a way quicker turnaround despite having thousands of requests as well. Currently, getting that money back would be life-changing for me as well as many others. So seeing other peoples loan providers reinstating their balance after requesting it just 36-72 hours later makes me very concerned that this company does not have our best interests at heart, and their recent transgressions and shady practices in which they were fined very heavily leaves me to wonder why do they still have their federal loan servicer status. 
PS : CFPB should investigate this company again for their very anti-consumer practices and have their license revoked as a federal loan servicer if found guilty.
Consumer complaint received 2018-04-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (CA)

Hello XXXX and XXXX, this is again a very confusing arrangement we have I have just received a payment notice change which I have attached and yet you are proceeding with a sale and I am yet to receive any communication on the re instatement of my loan or proof of the returned 12 months of payments for XX/XX/2017. Please call me to explain this.. 

Again Ditech is violating codes of the California civil sections 2924.11 2923.7 and the are in violation of the business code section 17200.et seq and most of all ACCOUNTING!!
Consumer complaint received 2018-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: FIRST CITIZENS BANCSHARES, INC. (WI)

I have a Old Vehicle Loan that I took out in XX/XX/XXXX or XX/XX/XXXX that was paid off in Full in XX/XX/XXXX as a Positive Good Standing Account for {$3000.00}. It was Positively building my Credit and was one of my Largest Tradelines. With the Data Breaches it was deleted and wasn't notified. I understand its closed but the Credit Bureaus stated I needed a Resinsertion Letter from the Credit. Please Add this back within 30 Days
Consumer complaint received 2018-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital One intentionally destroyed my credit. Capital One had incorrect information on me and did not notify they were about to report derogatory information on my CBR. I was finally notified by a representative 5 days ago and contacted daily sometimes twice when I became 34 days past due. The representative appeared to be unconcerned about my issues concerning the derogatory reporting. This was simply an oversight because I thought my spouse mailed payment as he mentioned he would. I have multiple accounts with Capital One and have never been a collection issue. Most creditors notify you prior 30 days past due to avoid derog reporting, so apparently Capital One had incorrect information.
Consumer complaint received 2018-09-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Diversified Consultants, Inc. (AR)

COLLECTOR KEPT CALLING MY CELL NO. ( XXXX ) XXXX OR ( XXXX ) XXXX OR ( XXXX ) XXXX OR ( XXXX ) XXXX AND CALLING TO COLLECT XXXX XXXX XXXX DEBT.
Consumer complaint received 2021-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX XXXX  XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XX/XX/XXXX {$120.00} XXXX XXXX  XX/XX/XXXX {$0.00} XXXX  XXXX XX/XX/XXXX {$0.00} XXXXXXXX XXXXXX/XX/XXXX {$0.00} XXXX XX/XX/XXXX {$0.00} XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00}
Consumer complaint received 2018-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

IN REGARDS TO : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX THIS ACCOUNT IS REPORTING ON MY EQUIFAX CREDIT REPORT AS IF IT'S MY ACCOUNT. I'VE SENT NUMEROUS OF CERTIFIED LETTERS TO ON XX/XX/2016 THE COMPANY NOTIFYING THEM THAT THIS ACCOUNT WAS OPENED FRAUDULENTLY AND THE LETTER WAS RECEIVED BY AGENT XXXX XXXX, ASKING THEM TO PLEASE CEASE AND DESIST WITH THE COLLECTION PRACTICES AS I AM A VICTIM OF IDENTITY THEFT AND STOP REPORTING THIS ACCOUNT TO THE EQUIFAX BUREAU BECAUSE THE ACCOUNT DOES NOT BELONG TO ME. I'VE ASKED FOR THEM TO VALIDATE THE DEBT AND TO VERIFY THE VALIDITY OF THE ACCOUNT. SHOW ME PROOF OF THE ORIGINAL CONTRACT BEARING MY ORIGINAL SIGNATURE. DO NOT SHOW ME PROOF OF BILLING STATEMENT BECAUSE THAT DOES NOT VALIDATE THE ACCOUNT TO BE ACCURATELY MINES. I'VE FILED THE PROPER PAPERWORK WITH THE LOCAL POLICE DEPARTMENT AND AFTER THEIR INVESTIGATION THEY SAID IT WAS NOTHING THEY COULD DO. I HAVE SENT ALL DOCUMENTATION INTO EQUIFAX TO REMOVE THIS ACCOUNT AND THEY HAVE YET TO DO SO.