davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (VA)

I got an approval on my request for a Loan Modification submitted on XXXX to my mortgage company SETERUS, they set a Trail Mod Payments starting in XXXX/XXXX/XXXX on the amount of {$900.00} All notices in regards to this approval I received over the phone, I never received any documents by mail, email or fax, neither my housing counselor. 
On XXXX XXXX, XXXX I was requested by SETERUS to pay {$650.00}, until that moment no documents were received from SETERUS, not Trial Loan Mod approval, nor Permanent Loan Modification Agreement, as I expected after to fulfill my three trial payments on the full amount on time. 
There were so many phone calls to SETERUS requesting for documents above mentioned, but always servicer stated that they will send the right documents to my address ( Principal Residence ) and never accomplished. 
On XXXX/XXXX/XXXX SETERUS informed me that they will extend my trial loan mod for another three months, and they will continue debiting my checking account for {$900.00} In addition, servicer stated that day that I should submit Permanent Loan Modification Agreement not later than XXXX XXXX, otherwise they will reassume foreclosure procedures ; however, they still did not send any document to accept and sign!!!!! 
This is a XXXX Investor mortgage, the reason why we already contacted investor and let them know about this unfair and illegal procedure.
Consumer complaint received 2023-10-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (WI)

On XX/XX/23 I had completed a XXXX application in preparation of student loan repayments starting. By XXXX I still had not received any confirmation regarding my application. I called MOHELA and was told that my application was denied due to missing documentation, even though I had linked my IRS account with my application. The customer service representative I spoke to told me I could complete a new application over the phone and would be able to self-verify my income and family size and that it would take 10 business days for my application to be processed. Until then my account was placed in forbearance. 

XX/XX/XXXX I received a letter stating that my application was yet again denied due to missing documentation. I contacted MOHELA again, and was told that the letter was pertaining to my previous application. This customer service representative informed me that I needed to submit additional tax year documentation. I asked why it was needed when I had already linked my IRS account - the representative would not answer my questions. I asked why I was told that I could self verify my income and family size, if they would not accept self verification - the representative would not answer that question. I asked how long it would be before this application would be processed and the representative informed me at least 90 days. And that I would still be responsible for all payments- which exceed {$1000.00} per month- which I can not afford. 

I have tried calling back numerous times for updates on my application, to extend my forbearance until the application is processed, and to ensure that they have received all required documentation. Wait times exceed 5 hours, I have been hung up on and not called back. I can not receive any information regarding my account status, decreasing payments, or extending a forbearance.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

Notice to Agent is notice to principal notice to principal is notice to agent. 


On XX/XX/2023 you received my dispute regarding some transactions and late payments that you and XXXX furnished to my consumer report and when I disputed these exclusions using the FCRA I received a response from you stating that the account was verified!!! 

I am not sure why you responded with Verified as I did not ask for verification of anything! The law clearly states that ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; how can you validate a dispute regarding information that is excluded from the consumer report? The law says transactions are not apart of my consumer! So how can you validate a late payment? 


Please update this account and transaction from my consumer reports : Never Late ( PAANL ) : 1 ) XXXX ( Account Number XXXX ) - XX/XX/2023, Your truly XXXX XXXX
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX with account # XXXX opened on XX/XX/2016 and a balance of {$2000.00}. 


I believe this account is inaccurate and should be removed from my credit report immediately. Please verify that this is a previously removed collection/Charge-Off. The information on this account is extremely false and fraudulent. i have sent several credit dispute letters involving this account and it was removed from my XXXX report then added back months later. I need this removed from all my credit reports and also this is over 7 years. please delete this!

This is against the Consumer Financial protection bureau and this Company is violating the Debt collection practices.

I am aware of my rights under the FCRA, and I believe this collection account is not valid. I expect a timely response to this dispute, as required by law. Please conduct a thorough investigation and remove this account from my credit report if it is found to be inaccurate. I kindly request that you respond to this dispute within 30 days from the date of receipt, as mandated by the FCRA. Failure to respond within the specified timeframe may result in legal action.

Thank you for your prompt attention to this matter. I look forward to a resolution that reflects the accuracy of my credit report. Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. I personally signed and sent this letter. Sincerely,
Consumer complaint received 2017-03-17
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (FL)

This account is reported in to XXXX, XXXX and XXXX. The account is being reported to have a derogatory rating which is very troubling to me! I am concerned about my credit because I was recently denied a loan and my existing credit accounts have increased my interest rates. This negative rating has caused me serious financial distress and will continue to cause me financial and emotional distress until this issue is resolved. 

In researching my legal rights, I have found several items that I understand I am entitled to. In order to rectify this situation and ensure my rights have not been violated in any way under the various consumer protection laws, I must hereby formally demand and information request!
Consumer complaint received 2023-06-26
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)

I AM A VICTIM OF IDENTITY THEFT. ACCORDING TO FCRA RULES INFORMATION MUST BE BLOCKED WITHIN 4 DAYS. ITEMS ARE APPEARING ON MY CREDIT REPORT THAT I NEVER APPLIED FOR. IT IS THE DUTY OF CREDIT BUREAUS TO REPORT ACCURATE INFORMATION. THEY DELETE THE INACCURATE INFORMATION THEN ADD IT BACK ON. I HAVE BEING GOING BACK AND FORTH FOR MONTHS.
Consumer complaint received 2023-10-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (FL)

I made 2 separate charges on my Citi bank card. One for XXXX and another for XXXX I canceled the purchases within hours of the purchase. The items were never shipped to me and the vendor did not dispute the charges yet Citi bank will not permanently credit my account and are charging me interest
Consumer complaint received 2023-10-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (SD)

Wells Fargo again. They can't treat me any better, disrespectful, rude, transferred around and always defensive customer service representatives and higher level people. My bank contacted with a letter saying I did not authorize any payments, need be refunded back, TOLD WELLS FARGO CHECK ONLY BE RECEIVING FOR PAYMENTS. Unauthorized personal loan and credit card, which wells fargo can't get thru heads. The security officer fr XXXX XXXX calls me and accused me of acting threatening, well I'm threatened by this company and their departments. Wells fargo blames, accuses, make me the XXXX and bad guy of situation. I still see no refund of Unauthorized payments to wells fargo credit card. my case worker # XXXX still can't return calls or there agents can't send the message to contact me, never happens. ALL THE PAYMENTS FROM XXXX XXXX NOT MINE AND OVER {$5700.00} NEEDS TO BE REFUNDED STILL.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I am writing to file a complaint against TranUnion regarding a dispute I initiated under the Fair Credit Reporting Act ( FCRA ), specifically U.S. Code 1681i. 

On XX/XX/2023, I submitted a dispute regarding misinformation on my credit file with TransUnion. The results of their reinvestigation were communicated to me on XX/XX/2023. However, I am concerned that the agency has not provided adequate documentation of the procedures and evidence used during the reinvestigation, as required by U.S. Code 1681i.

The response I received lists a generic course of action, stating, " After a review of your dispute and any provided documentation, we took one or more of the following actions : '' and lists four possible actions they could have taken. One of these actions includes the statement, " determined that the data furnished has previously verified the reported information. If any of the items you disputed were previously verified, a separate communication was sent to you listing those items along with the data furnishes contact information. '' I wish to note that I have not received any separate correspondence regarding the verification of disputed items.

While these are generic options, the response lacks specific details about the actions taken in my case, which is crucial for a thorough understanding of the reinvestigation process. Relying on previously verified information without providing specific details about the verification process raises concerns about the accuracy and thoroughness of the reinvestigation, potentially violating the FCRA and U.S. Code 1681i.

I kindly request the Consumer Financial Protection Bureau to investigate this matter and take appropriate action to ensure compliance with the FCRA.

Enclosed, please find copies of the relevant documents, including my original dispute, the response ( s ) from Transunion, and any other supporting evidence. 

Thank you for your attention to this matter. I appreciate your assistance in resolving this dispute.
Consumer complaint received 2023-10-30
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: BROKER SOLUTIONS, INC. (MD)

I was under the impression that everything cleared for me to close on my own. Two days before closing I was told I wasnt going to be closing and I wont be getting my earnest money back after I had paid for an inspection and Im relocating from another state. All of my things were in transport already.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

My personal information was used without my permission to open fraudulent accounts and inquires using unauthorized residential address I never lived at. I have contacted to credit bureaus, data furnishers consumer financial protection bureau, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law. two fraudulent accounts unauthorized identity theft : 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 2017-03-24
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (TX)

Ditech Mortgage company has up to this date, has never reimbursed me for fees they billed my account in error and validated it was their error. They acknowledged the mistake ONLY AFTER the CFPB was contacted with case XXXX. Each month they have given me the run around since XX/XX/XXXX and failed to provide me with the money. I have no other alternative to seek CFPB assistance in obtaining my money XXXX and would like to request funds with interest. I have been calling each month on the funds owed. Each month I have been advised they were processing the refund. In XX/XX/2017 I called, requested to speak to a Manager, but was advised there was no one to speak with me. The agent assured me the money would be transferred at the latest in my bank account by end of month XX/XX/2017. I was asked to provide my checking account and bank routing number. I am trying to bring my account current with an IRA hardship withdrawal but this company has done nothing to make their error, right. Please assist, this is the most unprofessional company I have ever had to do business with, thankfully there are agencies like this created to protect the consumer and track this companies dealings.
Consumer complaint received 2017-03-31
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CO)

I made a purchase with at Macy 's with my Macy 's credit card ( # XXXX ). The items never arrived. I disputed the charge but Macy 's refuses to credit my account and wants me to chase my refund via their shipper. I have no contract with their vendor. My contract is with Macy 's. I want my refund. Please help as this is consumer fraud.
Consumer complaint received 2023-10-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NY)

On XX/XX/2023 a SERIES OF UNAUTHORIZED PURCHASES WERE MADE ON MY BEST BUY VISA CREDIT CARD. I GOT IMMEDIATE NOTIFICATION AFTER AN INITIAL CHARGE OF {$1400.00} followed by an unauthorized charge of {$510.00} was made. I immediately contacted Best Buy Visa to close the account as this is my only credit card, which does not have a capability to lock the credit card. 
The credit card sent me a vague notification on XX/XX/XXXX that they are looking into the on unauthorized purchases. On XX/XX/XXXX, I called up Best Buy Visa credit card to let them know that the unauthorized CHARGES ARE STILL POSTED ON MY CREDIT CARD ACCOUNT AND I HAVE NOT RECEIVED A TEMPORARY CREDIT WHILE THE INVESTIGATION IS TAKING PLACE. THE AGENT MENTIONED THAT A CREDIT WAS POSTED ON XX/XX/XXXX, HOWEVER, I DON'T SEE IT ON MY ACCOUNT. 
IT IS NOW XX/XX/XXXX AND I STILL HAVE THESE UNAUTHORIZED CHARGES ON MY ACCOUNT AND I FEEL THAT BEST BUY VISA CARD IS NOT DOING ENOUGH TO COMPLETE THIS INVESTIGATION RESPONSIBLY AND IN A TIMELY FASHION. They claim that I am not responsible for unauthorized purchases, especially in a credit card that can not be locked to prevent unauthorized transactions. I would really appreciate the collaboration and participation of the consumer financial protection bureau to investigate Best Buy visa and verify that they are fulfilling their responsibility and promise towards these unauthorized transactions. I am happy to furnish any documentation.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Subject : Complaint Letter Fraudulent Account Removal Due to Identity Theft To Whom It XXXX Concern, I am writing to file a formal complaint against credit bureaus for their failure to remove a fraudulent account from my credit report despite my identity theft claim. 

I discovered an unauthorized account listed on my credit report : Creditor : XXXX  XXXX Account Number : XXXX Balance : {$4300.00} I did not open this account nor did I authorize any transactions related to it. It is evident that my personal information has been used without my consent, leading to a clear case of identity theft. 

Upon identifying this issue, I immediately reported the fraudulent account to authorties and the credit bureaus and provided all necessary documentation to validate my claim, including : A identity theft report from FTC A valid police report detailing the identity theft Copies of my identification ( drivers license, social security card ) However, credit bureaus have not taken the appropriate steps to investigate my claim and remove the fraudulent account. The continued listing of this unauthorized account has caused significant harm to my credit score and has placed undue stress and financial burden on me. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to have accurate and verified information on my credit report and for fraudulent accounts to be removed in a timely manner. 

Therefore, I am seeking the CFPBs assistance to ensure that credit bureaues adhere to the FCRA and promptly remove the fraudulent account from my credit report. I am requesting a correction of my credit records and an updated copy of my credit report upon resolution. 

I am willing to provide any further information or documentation as needed. Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

Experian is not reporting a closed auto loan that was in good standing on my credit report. 

In XX/XX/2016 I paid off my auto loan and this loan is supposed to stay on my credit report as it is included in my XXXX credit report accurately. The details are listed below for your review. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account ending in XXXX Amount originally financed {$19000.00}
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CT)

I sent a dispute letter to XXXX XXXX  on XX/XX/XXXX  asking to 1 ) prove negative remarks reported on my credit report and IF proven true to make a goodwill adjustment and remove negative remarks. I received a corresponding letter dated XX/XX/XXXX  stating that " After reviewing our records, we find that we are unable to make any adjustments to your payment history ''. While I do understand that the creditor is under no obligation to grant a goodwill adjustment, XXXX failed to acknowledge my other requests with this response. 

I responded to this later on XX/XX/XXXX  ( mailed on XX/XX/XXXX  ) reiterating my original requests to 1 ) validate these late payments and 2 ) to provide me with written confirmation of the steps taken to investigate my dispute. Their initial vague and short response led me to believe that they did not taken my initial claim seriously and failed to validate said negative remarks AND did not follow through with providing me with written steps they took to investigate my claim. I have yet to receive any correspondence from them since my letter and therefore, I believe that my rights are being violated and my claim was not properly handled. I have attached ALL correspondence between XXXX and I since my initial dispute as well as the mail receipt of the final letter that was sent.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.