davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-27
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (GA)

The company changed my product with out notice. I called several times to the second mortgage department on to be directed to another department that I challenge them to show me in my loan note. I even went into the XXXX branch to change my phone and asked I was told continue making my payment and they would fix it now they are showing three late payments for XXXX dollars with no communication via text. They direct YOU to the on-line banking and you CAN NOT Pay less then the minume payment is the system will not allow it and they will not remove the late date.
Consumer complaint received 2017-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (AZ)

I had a Citibank credit card for years, account number XXXX XXXX XXXX XXXX. Unfortunately in XX/XX/XXXXI ended up in a divorce. The Courts gave me ALL of the marital debt, at the same time I lost the job I had had for years. I used up all of my savings and resources by the middle of XX/XX/XXXX. I contacted Citibank NUMEROUS times in an attempt to work out some kind of payment plan but no agreement could be reached. Finally I gave up and turned my account over to a consumer debt settlement company and In XX/XX/XXXX, began making monthly payments upon acceptance of the {$9900.00} settlement of the {$28000.00} balance. At that time my account correctly showed that you had charged off my account or at least XXXX as a loss and my credit report correctly reflected this. 
However, Citibank continues to show this every month on my credit report statement and this is not the true reflection of my account at present. Citibank agreed to a settlement and I am paying this settlement as agreed. I respectfully requested numerous times that you simply reflect accurately the current state of my account. As recently as XX/XX/XXXX of this year Citibank continues to report my account status as delinquent 90 days+.
Consumer complaint received 2017-11-27
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. (FL)

I have called Equifax over the course of the last 3 to 4 months about inquiries listed on my credit report dated XX/XX/XXXX. I have submitted several online disputes in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to them with no action being taken. The last letter I sent to them was on XX/XX/XXXX and I received a generic response letter dated XX/XX/XXXX which basically states that anyone can request my credit without my consent or signature. I did not authorize these inquires and have requested for to remove them and Equifax has refused to do so as of today 's date XX/XX/XXXX.
Consumer complaint received 2017-11-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (CA)

XXXX XXXX XXXX closed my business cell phone account & released a letter, XXXX-16, that my balance on such account was {$0.00}, They then turned my account over to a collection agency, XXXX XXXX XXXX, for {$310.00}. I contacted them and told them i did not owe this. Now I am getting bills for {$310.00} from another collection agency, Diversified Consultants. I called them but they hung up on me. This last one has now gotten private information from some data base and is calling my son who has no relation to this problem at all. He has not lived at my address for 20+ yrs. They have invaded my and his privacy. I need help and will have to get an attorney if this is not cleared up. XXXX XXXX
Consumer complaint received 2016-06-30
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Nevada Credico, Inc. (NV)

The listing on my credit report with Quantum Collections should not be reporting on my credit. I submitted a validation request to them on XXXX XXXX, XXXX as well as disputed with the credit bureaus on XXXX XXXX, XXXX due to my validation request being undeliverable per the certified tracking. 

Finally they responded to me on XXXX XXXX, XXXX see attached response they sent me. 

The collection account listing on my report does not belong to me and the documents they sent me clearly show that they should have invoiced my wife. The " Patient Face Sheet '' that was sent to me from XXXX shows that the " Patient Name '' and the " Guarantor Name '' is my wife. Also enclosed is the Patient Ledger that they sent me even though I 'm not the patient! The only reason why my name was on any of the paperwork that they have is because my name was on the insurance card that was presented ; that does not make me financially responsible and I was not even present. In addition the bill statement date of XXXX/XXXX/XXXX for {$80.00} was clearly invoiced to my wife not to me. I did not sign any document accepting financial responsibility nor was I present. However, this company has managed to report this collection on MY credit report and refused to remove it. 

My wife offered to pay this bill in full in exchange for a deletion of the inaccurate information and they refused. 

Furthermore, they already have reported this collection on my wife 's credit reports as well. 

This inaccurate reporting is damaging my credit rating, as a result of this erroneous reporting and negligent compliance I 've been turned down for financing. Quantum has deliberately damaged my credit and are negligently continuing to do so at the detriment to my family. My good name has been tarnished and this can further cost me in my career endeavors. 

Furthermore I have reason to believe there is a HIPAA violation as her personal confidential medical information was sent to me, in response to my attempt to get this off my credit reports. Since I 'm not a financially responsible party for her to this service her private medical information should not have been sent to me. Yes, I 'm her husband but that does n't exclude her privacy rights afforded to her through the HIPAA ACT, clearly they are negligent.
Consumer complaint received 2023-06-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 



Account - XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-06-21
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXXdays. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :
Consumer complaint received 2017-11-27
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. (CA)

XXXX XXXX XXXX did forceful file of taxes for 2008 which in turn they file judgement for {$6200.00} which I did n't own. They later release the lien. I reported to all their credit bureaus but Trans Union refuses to remove it off my credit report.
Consumer complaint received 2017-11-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (CA)

I purchased a {$100.00} prepaid XXXX issued by XXXX XXXX XXXX XXXX in XX/XX/XXXX.  Turns out the card was already compromised in XX/XX/XXXX ( according to U.S. Bank ) by a fraudster, who unloaded the value of the card in XX/XX/XXXX, soon after I purchased the card. After I became aware that the card had XXXX balance on it, I called U.S. Bank to find out what was going on. U.S. Bank refused any responsibility, claiming it had advised me in an XX/XX/XXXX phone call that re-activating the card carried the risk of exposing it to fraud ( in fact the very person they were talking to was the fraudster - the card value was unloaded the following day ; I even provided evidence to U.S. Bank to show that I was in Hawaii, not anywhere near where the fraud was perpetuated in XXXX California, at the time of the phone call and unloading of the {$100.00} ). On XX/XX/XXXX, I provided all information requested by U.S. Bank to dispute the fraud by fax. I had no response from U.S. Bank and called back two weeks later. In repeated phone calls since then, U.S. Bank would only tell me that it was being researched, or that someone would get back to me, or that I was out of luck because I had already been advised about the risk of re-activating the card on XX/XX/XXXX ( when in fact they were talking to the fraudster ). Although I have provided all requested information, U.S. Bank continues to give me the run-around ( now having talked to over a dozen people at U.S. Bank ) rather than any action to resolve the problem.
Consumer complaint received 2017-11-27
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. (TN)

I have been trying to have incorrect information Collection companies/debts that are fraudulent and are not mine Incorrect statements that do not match my true history removed Over 31 inquiries that have impacted my score d/t another using my name etc .... 
Fraudulently -- - I have sent Info for removal XX/XX/XXXX XX/XX/XXXX And XX/XX/XXXX That should have been enough time to remove incorrect items And return my correct credit bureau scores -- - I sent letter from XXXX XXXX XXXX For information related to crimes against me
Consumer complaint received 2017-11-27
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. (TN)

I have been trying to have incorrect information Collection companies/debts that are fraudulent and are not mine Incorrect statements that do not match my true history removed Over 31 inquiries that have impacted my score d/t another using my name etc .... 
Fraudulently -- - I have sent Info for removal XX/XX/XXXX XX/XX/XXXX And XX/XX/XXXX That should have been enough time to remove incorrect items And return my correct credit bureau scores -- - I sent letter from XXXX XXXX XXXX For information related to crimes against me
Consumer complaint received 2017-11-27
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

the company has guided me towards forbearance while doubling my rates, when the rathes got too high they put me on a rate reduction program which then made it nearly impossible for me to get in contact with helpful members or any team that speaks to me like they care at all they purposely gave me the run around every single time my online account summary never matches with the timely payments i make every month, they harass my cosigners, & make it hard to repay in a sensible way
Consumer complaint received 2017-11-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I have reached out to all the credit breuas and creditors to provide me with validation that the inaccurate information listed below belongs to me. several phone calls, faxes, and letters sent and no response. This is very hard for me to obtain credit and having a negative impact on my future things I am trying to obtain. 

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-10-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Stearns Ventures, LLC (MA)

My husband and I have been Stearns customers since XXXX of XXXX, shortly after we purchased our new home. Between the end of XXXX and the end of XXXX, our mortgage was sold from Stearns Lending to another company, and then repurchased by Stearns, which seems to be when this issue first arose. When our mortgage was reacquired by Stearns, they somehow miscalculated our PMI ( the value of which, {$190.00}, has not changed since we purchased our house in XXXX of XXXX ) as {$16.00}, despite taking out the full {$190.00} from our escrow account each month. This obviously created an escrow shortage, and by XXXX of XXXX that shortage amounted to {$1900.00}, which was then split up and added to all of XXXX 's payments, beginning in XXXX of XXXX. In XXXX of XXXX, our full mortgage payment was {$1300.00}, and in XXXX our full mortgage payment increased by over 23 % to {$1600.00}. 

In XXXX of XXXX we requested an escrow analysis, at the urging of an employee at Stearns, who assured us that the PMI mistake was fully on Stearns shoulders, and she would look into the issue for us after an escrow analysis was completed. After the escrow analysis was complete, our payment went down by about {$30.00}, but we never heard back about the cause of the escrow shortage, nor did we hear back about Stearns ' mistake in calculating our monthly payment for all of XXXX. I 've spent hours on the phone trying to contact their customer service department, which is not easy to get a hold of, and I 've spoken to many employees over the phone, and a couple over email, in an attempt to get this incredibly inconvenient and detrimental mistake fixed. I do not understand, due to Stearns ' grievous miscalculation of a constant value in our mortgage payment, why my husband and I would be responsible for almost {$2000.00} of repayment for a mistake that is not our own.
Consumer complaint received 2023-06-22
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. (OH)

My personal information was stolen in XXXX since then Ive been seeing a lot of unauthorized inquiries and accounts. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXXXXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX INQUIRY : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX FXXXX XXXX XXXX REPORTED BALANCE {$150.00} : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX INQUIRY : XX/XX/XXXXXXXX XXXX XXXX XXXX INQUIRY : XX/XX/XXXX XXXX XXXXNQUIRY : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX INQUIRY : XX/XX/XXXX XXXX XXXX INQUIRY : XX/XX/XXXX XXXX INQUIRY : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2023-06-22
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: Fidelity National Information Services, Inc. (FNIS) (TX)

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 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and vou are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2023-06-22
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. (NM)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
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
Consumer complaint received 2023-06-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My personal information was stolen in XXXX since then Ive been seeing a lot of unauthorized inquiries and accounts. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : 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 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
Consumer complaint received 2024-09-29
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FC HoldCo LLC (WV)

Flagship Credit Acceptance calls multiple times a day. I resorted in using the chat option on their portal instead of talking with them over the phone and explained I was waiting on the money to make a payment. I have asked them repeatedly for assistance on payment options because we have had some financial difficulty with our children and other issues that have come our way. They refused to assist with payment options until XXXX, stating that it can only be done once a year. I am not sure about them, but sometimes people run into financial difficulty more than XXXX time of year. Inflation is ridiculous right now, the cost of food for a family of XXXX for XXXX weeks come to the amount as a car payment or rent. Flagship Credit Acceptance approved our loan for {$1000.00} a month, which is crazy. We don't have amazing credit and were stuck with this. We don't mind having a couple of months added on to the loan to help us get ahead. Though they don't want to help, but they want to harass us by calling each of our numbers 5 times each within a few hour period. I find it excessive. They should understand that excessively calling their customers is annoying, especially when it at times is at XXXX at night when we have children who attend school. We understand their need to collect balances but we have explained to them and attempt to make good faith payments.