davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY (MO)

Wells Fargo-They contact me. I filled out the application and I was approved for a credit card with a {$3500.00} limit in XXXX XXXX. 

As of today my balance is approx. 1800.00. Last month I made a payment on XX/XX/2018 of XXXX, when my minimum due was only {$27.00}. 
Today I tried to make a card purchase with this card. After trying three times, I was unsuccessful. I called Wells Fargo and they told me based on my credit reporting status they reduced my limit. I asked them how can you just reduced my limit when I only had the card 3 months. Secondly I paid you more than your requested. I told them they didn't give me a chance to show them over time that I would pay them back and lasting how can you just decrease my card with no notification. 
Furthermore, I just paid off a vehicle financed through Wells Fargo Dealership. I fulfilled my contract for 72 months and was never 30 days late! 
I could of needed my card in a emergency situation. I could of been out of town or out of the country and depended on this credit card to get back home! They just reduced my limit with absolutely no warning and in my opinion no reason ... my fico score status is the same as it was when they gave me the line of credit. Now since they reduced my credit card limit, this is lowing my credit score, because now it is up to the limit!
Consumer complaint received 2018-07-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Ameritech Financial (NY)

Ameritech Financial has not been paying any of my students loans although they have been extracting a monthly payment amount from my checking out. Ameritech Financial is a servicer in which they claim to consolidate your students loan for a cheaper monthly amount. However, i had to pay a percentage to Ameritech along with my payment plan in which Ameritech gains access to my educational loans and pays my loans. So they have claimed. For the past several months i was away XXXX and received calls of Ameritech wanted more documents for my file. At the time i understood although i was suspicious in why they wanted more documents and pay stubs. I could barely talk and notified the person over the phone that i was not home and it would be a while before i was able to get any documents. I also knew once i arrived home, i will be able to sit down and better understand what exactly was wanted. Upon my return home in XX/XX/XXXX, i began looking into my credit report and it stated i was behind one my students loans. I discovered my debt had only increased. Furthermore, i was receiving and still am receiving emails from XXXX stating i have been missing my monthly payments. This discovery became more so clear when on XX/XX/XXXX i received a letter from the Federal Trade Commission ( FTC ) stating that Ameritech has been sued for deceptive practices. I realize the money i have been paying since XX/XX/XXXX, has been going directly to Ameritech and not my loan debt. 
On XX/XX/XXXX upon receiving the letter from FTC, i called Ameritech regarding this whole issue. I was only greeted by a costumer messenger who would only take my contact info for a call back within 24hrs from a actual case manager or agent. At roughly XXXX hrs EST time on XX/XX/XXXX, i received a call from a XXXX from Ameritech telephone number XXXX. I discussed the issue in play. I requested to have my money back. XXXX put me on hold on more than one occasion stating he will run it with the billing department. He then said it was denied. XXXX was not understanding about the situation. He said he might only be able to give me the money for the services Ameritech was not able to complete. I told him no service was done since my monthly payments were not going towards my loans. I am now behind in more debt because of this deceptive practice to lure people in. I kept attempting to get my money back. It was also mentioned on the steps i should take according to the FTC letter. 
I had my membership/plan canceled. XXXX said should have a conformation letter emailed within 24hrs. 


Ameritech Financial # XXXX, XXXX XXXX XXXXXXXX XXXX , XXXX XXXX, CA XXXX Tel- ( XXXX ) XXXX When i initially enrolled the person who guided me is XXXX XXXX . 
Email- XXXX XXXX
Consumer complaint received 2018-12-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Someone used information to obtain XXXX XXXX XXXX   account # XXXX on XX/XX/XXXX, XXXX XXXX XXXX account XXXX on XX/XX/XXXX, XXXX XXXX account # XXXX on XX/XX/XXXX
Consumer complaint received 2018-06-29
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA (GA)

I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX XXXX XXXX with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXXXX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2018-07-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Neon Newco Corporation (NJ)

I was a victim of fraud several years ago involving a NetSpend card. My frequent flyer program has a deal with NetSpend and I VERY much want to take advantage of this offer, however they have denied me twice due to past fraud. I was the VICTIM and feel it is very poor business practice I get punished for someone else 's crime. I have provided every answer to idenity questions and will provide documentation of idenity if needed. This is NOT a credit card, as you know ; it is a refillable debt card so I don't see why I am being denied. The past fraud involved an XXXX gift card. Please rectify this problem.
Consumer complaint received 2018-07-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lendmark Financial Services (CA)

I'm currently struggling on paying some bills so I went to XXXX XXXX company which helps out people with different creditors to settle on a certain amount so I don't have to pay all of it back. They are currently trying to settle with Lendmark and I understand why they are calling me constantly to make a payment because I haven't but I had already told them to not contact where I work and they continue to. I find it disrespectful and thank XXXX I haven't got fired because they call almost everyday. I had spoke with a lady at Lendmark telling her to not contact me at work and she has other people calling from Lendmark and she should of passed the message to them as well. Also, they contacted my mom the other day asking to verify my employment and I don't appreciate that. I'm waiting till they settle on a agreement but until then I don't want them to contact me at work.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

Dear CFPB, I'm writing for you for URGENT assistance to correct some information on my credit file which is hindering me from gaining employment, getting financed for housing, and life necessities. 

PLEASE VERIFY THEY HAVE MY CORRECT CONTACT/ADDRESS INFORMATION. 

Experian is reporting negative information from XXXX XXXX XXXX, and XXXX XXXX XXXX which is incorrect. These items do not belong to me. They're illegally attempting to collect money from me. 

This information is negatively affecting my credit score, and I would like it removed ASAP. Please assist me in getting these items removed from my report so I can no longer be prohibited by the negative information which is impacting my livelihood.
Consumer complaint received 2018-07-01
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

XXXX XXXX listed a debt collection on my report for an amount of {$14000.00} for a car loan. On XX/XX/XXXX I wrote to Experian, I wrote to XXXX on XX/XX/XXXX, And on XX/XX/XXXX I  wrote to XXXX. I wrote to them sending them proof that this account must be deleted from my credit report because it was reporting inaccurate information. And on XX/XX/XXXX I received a letter from XXXX explaining their investigation procedure. On XX/XX/XXXX Experian informed me that the information I disputed had been updated. And XXXX NEVER RESPOND TO MY LETTER WITH ANY STATEMENT NOR LETTER. So on XX/XX/XXXX, I wrote to XXXX XXXX requesting a debt validation for this car loan which they say I owe. They sent back a letter stating I need to give them further information from the credit bureaus in which they are the ones reporting this inaccurate information to the bureaus. Shouldn't they have the information that they are reporting on my credit file? So on XX/XX/XXXX I wrote XXXX XXXX, AND EXPERIAN THE SAME LETTER SENDING THEM PROOF THAT THEY WERE REPORTING MISLEADING AND INACCURATE INFORMATION ON MY CREDIT REPORT FROM XXXX XXXX. After I requested in writing from XXXX XXXX TO VALIDATE THE DEBT IN QUESTIONED. AND THEY HAD NO RECORD OF THIS INFORMATION AND THEY STILL COULD NOT PRODUCE A VALIDATION BEARING MY SIGNATURE. Per FCRA, I requested a debt validation bearing my signature to prove I owe this debt, they have not been able to send this to me. Per the Federal laws, it is my right to validate any debt from a collection agency. I request full removal of this debt associated with any of the credit reporting agencies ASAP
Consumer complaint received 2018-06-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION (TN)

On XX/XX/2018 I made several small purchases using my debit card. The next day I checked my account and they had charged me XXXX in OD charges. On XX/XX/XXXX after trying to resolve this myself I went to the bank and they refunded XXXX of OD charges. On the same day I locked my account and reported to them that some charges were unauthorized on XXXX, XXXX and XXXX but that didnt stop them. To my knowledge they have stolen over XXXX from me. I am on Social Security and I am worried about my check that will be deposited on XX/XX/XXXX. I dont know where to begin but these people need to be stopped.
Consumer complaint received 2020-11-13
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: Experian Information Solutions Inc. (FL)

Experian keeps telling me and my husband the same over and over that is not me disputing accounts on my report. I have sent Experian many disputes and have included MY DRIVER LICENSE and copy of MY SOCIAL SECURITY CARD several times to validate my identity. Yet Experian is saying that It is not me who is disputing these accounts affecting my credit. Do they need a DNA test to proof its me? In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. If the information requested can not be verified, remove this accounts from my report immediately. 1- XXXX XXXX  XXXX XXXX - Reported XX/XX/XXXX 2- XXXX XXXX  - Reported XX/XX/XXXX 3- XXXX XXXX XXXX - Reported XX/XX/XXXX 4- XXXX XXXX  XXXX - Reported XX/XX/XXXX 5- XXXX XXXX - Reported XX/XX/XXXX 6- US Dept of Edu - Reported XX/XX/XXXX 7- XXXX Reported XX/XX/XXXX
Consumer complaint received 2018-07-02
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Avant Credit Corporation (NV)

I received a letter from Avant, XXXX XXXX XXXX ( second Time ) offering me a loan,,, saying you are pre-Approved .... no where in the letter was any Disclaimer that says unless your credit changed or is not good enough ... we will not honor this letter ...

any way they do this to have people apply for the loan, and than the reject it ... and write back ... you can Continue with XXXX ... sister company with very very high rates,,,,, this is criminal!!!!!! 

my Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX. 
phone # XXXX E Mail. XXXX My personal code # XXXX and the offer expire XX/XX/2018
Consumer complaint received 2018-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CAPITAL ONE with no successful resolution. XXXX, XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2016.
Consumer complaint received 2021-05-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (MD)

Ive been sending letters since 2018 to this collection agency and have not received anything I try to dispute it and have not heard back anything the collection agencies no reporting the information as valid I have no contract with this company no written signature or no validation of this that I dont know who this company is
Consumer complaint received 2018-06-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Northstar Education Finance Incorporated (VA)

I have made timely payments on my Fed Student loan for over 14 years to XXXX XXXX. XXXX XXXX XXXX XXXX. The beginning balance was approximately {$100000.00}. I have paid over {$120000.00} and the balance on the loan is approximately {$95000.00}. When I complained and requested an amortization schedule for a 15 year loan that has the same principal balance as it did 14 years ago, the Servicer informed me that no amortization schedule was available. Then a couple days later, the lender split my loan and transferred it to 2 new servicers, each with the balance apparently. There was no warning, approval, etc. I think this was done in retaliation for my filing a complaint and request for payment history. I have no idea if this loan or lending institution is legitimate. I have no faith that the records are accurate. 

Equally troubling is that my personal information has now been transferred to 2 additional entities ( including my birth date, personal address, social security number, banking accounts, email etc. ). I understood that the lender may select a servicing entity at the time of consolidation but it can not retaliatorily " split and transfer '' balances. This is a student loan, not a revolving credit card ( and hopefully not a pyramid scheme ). A 20 % return on investment should be adequate for student lending.
Consumer complaint received 2018-06-28
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: ID Analytics, Inc. (IL)

XXXX , XXXX consumer reporting extemely low for no good reason. 

I ALWAYS pay my bills on time, have extensive credit, low utilization, and have never been denied credit for anything!!! 

I recently applied for a line of credit at XXXX 's store online, and after being initially denied, was sent a letter ( explaining my denial ). The company that provided the information was called XXXX , XXXX. I'm sorry but I have never even heard of this agency. They gave me a credit score of XXXX. This is unbelievable to me as my scores have been in the 7-800 range for many years ( with all three major agencies ). 
Needless to say i nearly had a heart attack when I saw my score from XXXX was XXXX. Initially I called XXXX 's to ask which credit agency gave me the score, and was informed it was XXXX. I tried to reach out to XXXX, but was transferred to generic voicemail every time. It looks like they don't even have a way to obtain my report online, and want me to fax, or mail my full information including my social security number to them just to get a copy of my " so called '' report. TERRIBLE! 

The 4 reasons listed on the XXXX 's denial letter were all based on XXXX report, and appear in this order : 1. Not enough debt experience. ( I am XXXX years old and have had debt experience since my teens, own a business and am a very responsible person. 
( So reason # 1 is BOGUS ) 2. Number of inquiries in last 4 months. ( Again, I run a business and my name is used to back our credit lines, as well as our personal lines of credit. So obviously It's being used all the time and does not effect my other credit scores, as it rightfully shouldn't! ( So reason # 2 is BOGUS ) 3. Limited Credit History ( SEE # 1 -- Reason # 3 is BOGUS, and isn't this basically the same as # 1? ) 4. Previous inquiries adversely impacted score. ( SEE # 2 -- Reason # 4 is BOGUS,  and isn't this basically same thing as # 2? ) This to me is unacceptable, and seems to be a dereliction of duty on their part! Do they look at total credit lines, utilization, what you do for a living, what the credit inquiries even are? I think not! Something should be done to get these people in check! They need to be responsible, and not able to make people look like fools. They also need to make information accessible without the need for hard copies of critical information which can be stolen and really used to destroy someone's credit. 

Shame on you XXXX! 

Please do something to make these people accountable!
Consumer complaint received 2024-11-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Caliber Home Loans, Inc. (NC)

It was caliber home loans. I had several modifications over the last XXXX years. During covid and right before covid I was going through problems. I had to take a leave of absence from work. I had arranged everything I needed to arrange with the company as far as payments and modification. However even though they told me it wouldn't affect my credit it did affect my credit. Even though this account is closed it's still showing up that I was delinquent. 

I have disputed this with the credit reporting agencies. I have also talked to caliber home loans. They said I had to fax something to somebody in some basement and some building somewhere. I have tried although I've never gotten a response. I was specifically told to not make payments because we're going through a modification. And that it would not affect my credit. I was specifically told about forbearance and how it would not affect my credit but it did. To the point where I can not get ahead in the world right now I can not buy a car because I need to get a car mine 's about to die but I can not get XXXX which means I can not get to work. Which means I can not pay my bills. Even at the end when I sold my house they told me I didn't have to make a payment. But when I was in the process of selling the house. But it's showing up as delinquent. I will try to find the files I have everything in storage for several years and now I just moved into a new place and now I'm packing
Consumer complaint received 2017-02-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim my account was charged off {$2000.00}. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.