davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

I recently received a copy of my Experian Credit Report ( XXXX ) on XXXX/XXXX/2016. For several months I have been disputing what I believe is a questionable Hard Inquire from XXXX XXXX XXXX dated XXXX/XXXX/2016. I have disputed the inquire with the XXXX other major Credit Bureau and upon the completion of there investigation they determined that inquire were to be removed from my Credit Report. Experian continues to refuse to remove the mentioned hard inquiry from my Credit Report and continue to deny my right granted to me by the FCRA. If the other XXXX major credit bureau conducted there investigation and determined to remove the inquire from my credit report it could only result in the ethical and trust worthiness of how Experian handles disputed items from consumers.
Consumer complaint received 2016-10-15
Product: Credit card — 
Issue: Other — 
Company: PENTAGON FEDERAL CREDIT UNION (NY)

I applied for this credit card and I did not receive it due to " an IP address issue '' having to do with fraud. I never received this card in the mail. I never did any transactions on this card because I did not receive it. I now have a charge-off for around {$1500.00} that I am not liable for! How can I have charges on a card that I never received, never used and never had? I contacted this company as well as the credit bureaus and XXXX told me that I had to pay them. They did not care that I did not receive the card in the mail. They would not assist me, would not explain it to me and would not pass me to upper-management. They said that because they suspected that I was not the one to apply for the account ( I was, of course ) that they would not send out the card. So why do I have to pay them for something that I had no access to??? I 'm not, and it needs to be removed immediately. I do n't care whether that is a bunch of annual fees, or other fee, but I never had any access whatsoever to this card so this must be removed from my credit report immediately.
Consumer complaint received 2016-11-29
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (IN)

Received a letter from Experian stating that a changed has been made to my account. They provided XXXX phone numbers to which I called. The recorded message said there has been a changed to my information and if I did not make those changes stay on the line to obtain a credit report. I called several times and held for for a total of fifteen minutes only to be hung up on. 

Experian has a habit of not allowing the consumer access by phone and if you ( the caller ) do n't respond to the prompts ( even if the prompts do n't apply to your situation they hang up the call. It 's there tactic of avoiding the customer/consumer. Experian are not accountable.
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

15 usc 1681i ( 5 ) The reseller determined that the item of the information is incomplete or in accurate as a result of an act or omission of the reseller, not later than 20 days. 

Remove late payments XXXX XXXX XXXXXXXXXXXX XXXX XXXX
Consumer complaint received 2023-06-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIBANK, N.A. (FL)

I've sent two cease and desist letters certified mail to Citi Bank and both have been ignored. I receive repeated phone calls every day, I receive phone calls at work, and they have even contacted my family members despite both my letters specifically stating they do not have my permission to contact my phone number, my family members, and that my workplace does not allow these types of calls.
Consumer complaint received 2021-05-14
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 (NC)

How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment on I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2015-04-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (MN)

I sent experian a certified letter, return receipt requested. Disputing late payments with my XXXX XXXX account. ( They are reporting I was late last month ) I included in this dispute, the actual trade line from my Experian Credit report, A print out of all my received payments from XXXX website, A letter signed and dated by me, asking for them to do a verification of their reporting. I received back a letter saying.. " We received a suspicious request regarding your personal credit information that we have determined was not sent by you '' they went on to say they are ignoring my request. 

This was a legitimate dispute, there is no reason to think it was from anyone else.
Consumer complaint received 2016-01-09
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: PENTAGON FEDERAL CREDIT UNION (NV)

PenFed wo n't let me do anything with my account. I have {$30.00} in my account. PenFed wo n't allow me to update my address even though I mailed them proof of address and proof of identity. They asked me to call and verify the information on the phone and I did call in, but it still is not updated. 
PenFed will not allow me open a checking account with them. PenFed will not allow me to initiate a transfer out of my account. Basically they are holding my money hostage and I have no access to is.
Consumer complaint received 2015-09-14
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (TX)

This summer, I tried to get the free copies of my credit report from the XXXX agencies. I have to report that it was very difficult. I was only able to get XXXX ( XXXX ) ; I had to pay for XXXX ( i.e., sign up for a {$1.00} trial at Experian ), and I was never able to get XXXX XXXX report. The free website would lock up, it was very difficult to use, and the whole process took hours.
Consumer complaint received 2016-01-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (FL)

That Experian needs to update in the Payment and/or Account Payment History the status for each month. These areas are incomplete as of this writing. 
The amount past due is incorrect {$58000.00} the amount past due amount based on their letter of acceleration dated XXXX XXXX, XXXX is AMOUNT PAST DUE {$2900.00} The account is only 120 days past due as of XXXX XXXX, XXXX. 
MY CREDIT SCORE SHOULD BE BASED ON THE FORECLOSURE IN XXXX NOT XXXX
Consumer complaint received 2015-08-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (FL)

Debt is not mineDescribe what happened so we can understand the issue ... 

I have received a XXXX point reduction in my credit score from experian When I got my score in XX/XX/XXXX it was XXXX in XX/XX/XXXX it is XXXX-XXXX. When I reviewed my credit report I found that XXXX had reported me as having a bill of {$340.00}. I have never received a bill from XXXX and since they put me into collection And have never received a bill from them ( XXXX.. ) This bill is showing as 1 year old. If I had received a bill from either one I would have paid it immediately. I have always paid all of my bills on time. I Called XXXX who. Referred me to XXXX. I called covergent who sent me back to XXXX. XXXX said I would have to go to the collection agency because they can no longer send an itemized bill, when calling convergent again they said they did n't have one but I should pay it anyway. Why would I pay a bill that I never received and did n't know what it was for. I finally filed a dispute with Experian and explained that I never received an itemized bill from either XXXX or XXXX. The answer to my disputewas " It was my bill. " That, of course did not answer my problem. I am sure that you would not pay a bill that gave you a number but not itemized and did not know what it was for. I have been given the runaround enough. 

I called XXXX in XX/XX/XXXX because I wanted to unlock my phone ''. I could n't unlock my phone unless I knew I had a XXXX balance '' and was told by the billing department that I had a XXXX balance and my account was current. I ca n't understand why they would now say this. 
XXXX XXXX
Consumer complaint received 2015-11-17
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Marlette Funding, LLC (VA)

I have been on the opt-out prescreen list for over 10 years, and I just got a " prescreened '' offer from MyBestEgg. Since they are not obeying the prescreened offer opt-out, they need to be penalized.
Consumer complaint received 2017-02-06
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC. (MA)

My mortgage loan was sold from XXXX XXXX XXXX to PennyMac in XXXX of 2016. I had at that time been approved for a mortgage modification trial payment. In XXXX, when my first trial payment was due i called in to make that payment. The phone rep asked me my checking account number for the payment. I told them i would like to pay with a debit card, my reasoning behind using that form of payment was that i am on a fixed income and i only get paid once a month so i had to wait till the end of the month for the payment ( within the 30 days required of course ) and i wanted to make sure that payment was made instantly in the event the checking account took to long as i was making sure other payments did n't go through first. This would have put me in a place where my trial payments were not late. 
The rep would not accept the debit card as payment so i was only left with XXXX option of paying through my checking account. The second month came around and i made the payment through my checking account, and the payment bounced as i was n't able to make a more immediate payment with my debit card putting my loan payment through as a priority. 
When i went to make my final payment in XXXX i was told i was kicked off the modification trial agreement. I stated at that time if there were any funds missing i would be able to ensure those payments were complete and they would not discuss this with me. Where i do realize the terms of a modification trial payment is to make the payments on time, i feel as though i was almost set up to fail by denying me an alternate form of payment. I was told " no banks take payments through debit accounts '' which is an absolutely XXXX statement as ALL the accounts i have had accepted those types of payments.
Consumer complaint received 2016-12-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida Upon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen I have included a copy of the police report attached to this letter I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DIVERSIFIED XXXX # XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX ACC # XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2016-10-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (FL)

Ocwen has serviced my mortgage for years. My mortgage fell behind and {$5100.00} was owed. I was contacted by Ocwen Financial offering a modification. I was told to pay {$9300.00} no later than XXXX/XXXX/16 then mortgage will be current. The {$9300.00} was paid to Ocwen, via wire transfer, on that date. The funds were returned w/out notice. I called & was told : First, amt was {$300.00} short, then, I 'm not eligible for modification. I told them they offered it to me, then they said : " Ok now pay {$12000.00} by XXXX/XXXX/16 & you 'll be current & your next regular payment will be due XXXX/XXXX/16 ''. Why was n't it made current w/the original payment? All that is owed is {$6400.00} - why do they want {$12000.00}? I ask for agreement in writing, never get it. Amt owed keeps increasing w/no explanation. Filed a written complaint on Ocwen site - no response. All calls are routed to an XXXX call center - never able to speak w/someone that can help. Funds are available in a separate acct. I need help w/this.
Consumer complaint received 2015-06-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (TX)

For starters, I am concerned about the very high interest rate that I 'm currently paying on my mortgage with Green Tree ( 11 % ). I was told that this is considered a predatory loan and since my loan was not originally taken out with them but was transferred without my knowledge or control, I am eligible for a lower interest rate, refinance or modification. Unfortunately, Green Tree has denied each of the said requests. Whenever documents are submitted they conveniently lose them or say that they never received them. Customer service is horrible with this company! I recently submitted a letter of request to have my escrow account deleted as I will pay my property taxes on my own and to date, they have yet to respond or honor my request. I would like information on how I can get out of this loan and refinace my home for the {$43000.00} plus amount that I currently owe at a much lower interest rate and principal and interest.
Consumer complaint received 2016-09-22
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (PA)

Hi i had just recently turned XXXX XX/XX/XXXX and wanted to begin building my credit by starting a contract plan with XXXX. They denied me and sent me a letter informing me of my credit score : XXXX. I am not sure why is it XXXX because I have no payment history, never gotten any loans out or anything. I attempting to receive my annual free credit report from the XXXX credit agencies, annualcreditreport, creditkarma etc. In the third step of identity confirmation I am asked security question as to which credit agency or bank I got my supposed home, auto and school loan from XX/XX/XXXX. XX/XX/XXXX I was only XXXX years old and it is impossible that I have any loans, which then denies me access to my credit report ; it says they are " unable to retreive my report at this time ''. I have taken hours calling each agency bureau, the annualcreditreport, my bank XXXX and the consumer protection bureau. All of them have given me little to no insight. I had no other choice but to turn on a fraud alert on my credit report to be proactive if it is the case of an identity theft crisis and someone got loans in my name XX/XX/XXXX. Still no one can help me see my credit report that I have never gotten to see myself and no help from Experian to talk to a representative, its all an automated machine that had no option for assistance. I am left with my last hope of figuring out my credit status so I can fix it if needed or just understand how my score came to be, by filing a complaint to get a response and further guidance.
Consumer complaint received 2015-07-21
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (GA)

BACKGROUND - I have an investment property located at XXXX XXXX XXXX in XXXX, Georgia that is currently in foreclosure. No sale date is currently scheduled. I requested approval for a short sale from the lender XXXX Wells Fargo XXXX - which was approved almost 2 years ago. I have had multiple sales contracts - but XXXX potential buyers eventually canceled because the process was taking so long ( they found other properties to buy ). I complained to the CEO and SVP in written letters on XXXX/XXXX/15, XXXX/XXXX/15, and XXXX/XXXX/15. Each time I received a letter from XXXX XXXX XXXX - Senior Vice-President Wells Fargo Home Lending stating that she would investigate and get back to me. I have not heard back from XXXX XXXX XXXX with the results of any investigation. SPECIFICALLY - THIS IS MY CURRENT COMPLAINT AND REQUEST FOR ASSISTANCE : A short sale offer of $ XXXX was made on XXXX/XXXX/15. The buyer is a cash buyer and funds have been verified by Wells Fargo. On XXXX/XXXX/2015 my sales agent spoke to a Wells Fargo representative in the short sales department. As per the representative, the file was declined for the offer being too low. As per the underwriter, they want an offer of at least {$180000.00} as the current appraisal they conducted deems this to be at fair market value. Two key points. A short sale from another buyer WAS APPROVED by Wells Fargo and underwriter for the exact same amount ( $ XXXX ) on XXXX/XXXX/2015. XXXX The buyer canceled a few days later because they had been waiting since XXXX/XXXX/2014 and found another house to buy. ) A new appraisal HAD NOT BEEN DONE between the dates of XXXX/XXXX/2015 and XXXX/XXXX/2015. No material market conditions or home improvements have been made since XXXX/XXXX/2015. After waiting for almost 2 years - I would like to get this short sale finalized. The fact that Wells Fargo approved $ XXXX in XXXX, we received a new offer 2 months later for the same amount with a qualified buyer, and now that offer is being rejected - is not ethical. I would appreciate any help you can provide.
Consumer complaint received 2015-09-11
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

There are XXXX Capital one credit card accounts listed which I never had XXXX, my father whom past away XX/XX/XXXX had the same name as me and I had a business that was closed in XX/XX/XXXX I do recall XXXX account which was a business debt NOT personal. I need some assistance requested verification and validation nothing received.
Consumer complaint received 2016-10-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (AL)

As it is. Im not sure how the Identity theft gained access to my credit report and personal information such as my personal accounts ssn, dob, and etc. Experian refuse to investigate the nature of this issue properly. Experian only sends my personal information to the orginal creditors, debt collection and etc to verify those items. Experian do not issue an accurate investigation. Im Irate! Please Help get this matter resolved soon. Thanks!
Consumer complaint received 2015-08-10
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CITIBANK, N.A. (KS)

My account is current and One Main Financial continues to call and harass me. The say that I am lying about my payment about how often they call. And today I went to the local office after yet another call from them. And they told me that I did not pay enough to get my account current and made me pay another {$12.00} after they had already taken {$150.00} out of my account on the XXXX.
Consumer complaint received 2015-05-01
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CA)

I am a stamp collector, and in XX/XX/XXXX I purchased what were described as XXXX very rare stamps from a dealer in XXXX, that were also described to be of the highest quality. Upon receiving the stamps in XX/XX/XXXX, I submitted them to the XXXX XXXX XXXX XXXX XXXX XXXX for an expert opinion to confirm they were genuine and as described by the dealer. In XX/XX/XXXX the XXXX issued their opinions, both of the stamps were actually different, much more common varieties, and both were re-gummed, so worth maybe {$400.00} instead of {$1200.00}. I then emailed the merchant and repeatedly asked for a refund since the stamps were not as described, and he did n't answer any of my emails, leading me to believe he knew very well what he sold were not the rare varieties he described. Because I charged the stamps on my Citibank Master Card, I went to the Citibank web site to try and dispute the charge. When I went to the Citibank dispute e-form, when I selected " merchandise not as describe '', it asked me to specify the date when the merchandise was returned. I called Citibank, and was told they would not accept a dispute for " merchandise not as describe '' until the merchandise in dispute had been returned to the merchant, so I went to the post office and sent the stamps back by registered mail, and then entered the dispute in the Citibank web site. Sometime later, I received a letter from Citibank saying my dispute was declined, because too much time had passed between the charge and filing the dispute ( which was due to the long time it takes for the XXXX to issue a certificate ). Of course I was very upset, I called Citibank and said why did n't they tell me that before they told me to send the stamps back? Now the merchant not only has my {$1200.00}, but he received the stamps back to sell to someone else, and I could have sold them to mitigate my loss. I think it 's unfair for Citibank to insist on merchandise being returned before they consider a dispute. XXXX is much better, they will resolve a dispute and then if the Buyer prevails, he/she has XXXX days to return the merchandise to the Seller. This should be the general policy for all banks, do n't enrich merchants who are crooks by forcing a buyer to return items before the dispute is resolved in the buyer 's favor. 

** FYI : The above is simplified for ease of understanding, the purchase actually involved XXXX stamps and XXXX seperate charges to my credit card, the XXXX other charges were in XX/XX/XXXX, and XXXX were reversed by Citibank as they were within the time window. The XX/XX/XXXX charge was the one not reversed, which is the one I am upset about.