davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: WELLS FARGO & COMPANY (AZ)

We had our Mortgage with Wells Fargo on our home from XXXX until approximately XXXX. We requested a forbearance plan and submitted all our income data and everything they needed to show that our income had lowered due to a loss of job. Our pay was cut in half. They sent back a letter saying we weren't qualified which was crazy because of our income. We ended up having to file for Bankruptcy in XXXX and tried to keep the house and made the large mortgage payments for a little bit but had to give it up. Thru the foreclosure they sold it for half the price that was left on our mortgage. I'm not sure why they wouldn't work with us, we would have been able to afford the house had we been offered the amount they sold it for. They took a loss on the home, why couldn't they take it for us when we'd been with them for so many years. 

Thank you!
Consumer complaint received 2023-07-03
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. (GA)

I received an alert from experian. Stating a new address was on my credit report XXXX XXXX XXXX which is not associated with me the address up above and that linked to a collection XXXX XXXX XXXX XXXX that I have no knowledge of that also being reported on my credit file. I have put in multiple complaints in stating these items do not belong to me as will names on my credit that are being reported. And I believe this why when Ive file a dispute they are going back either verified or updated
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Innovative Funding Services, L.L.C. (NE)

I received a notice of adverse action on a loan I did not request. I inquired online via XXXX XXXX to explore interest rates but I never intended to request/apply for a loan. I want that credit inquiry and resulting notice of adverse action expunged from any files that have been created and held by Tesl. Also, if the action was reported to any third party ( e.g., XXXX ) I request that the report be rescinded and the record annotated to reflect that I did not apply for a loan from Tesl. Please note that I have contacted Tesl, the credit bureaus, and the FRC consumer support for assistance in these regards. Please note that I had no intention of applying for a loan from Tesl during my online inquiry of current interest rates. To be clear and for the record, I just want the notice to be rescinded immediately. I am not interested in, and have not applied for, a loan from Tesl. XXXX XXXX XXXX XXXX The company is : Tresl ( Innovative Funding Services ) XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Phone : XXXX
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.
Consumer complaint received 2023-09-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am following up on a previous dispute that was filed XXXX in which I requested that a account listed on my credit report be validated and I was specific asking for documentation that was used to determine the account to be valid. If there was no validation or documentation provided then by law the account was to be deleted. Transunion failed to provide either the proof of validation or deletion of the account. They are now liable for damages under the law for willful non compliance. 

So again I request that all information for the accounts listed below be provided in writing to me which includes but not limited to : the original contract with my wet signature, full transactional history from date of opening to present or closing of the account, any other documentation that was use to verify the account as being accurate. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-26
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

The statute of limitations on my mortgage expired and I previously filed a XXXX XXXX and received a discharge. I have a pending appeal and the servicer just processed an application for mortgage assistance without my authorization. I did not request mortgage assistance as it would reaffirm the debt. This was a deceitful tactic to reaffirm my debt. They felt that if I did not respond I would consent to it when I no longer have no obligation to repay this stale debt of almost 20 Years now.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I have contacted the listed creditor to provide proof of consent without successful response from them. 
According with the Fair Credit Reporting Act this creditor has violated my rights. 
Under 15 USC 1681 section 602 ; I have the right to privacy. 15 USC 1681 section 604a section 2 which states that a consumer reporting agency can not furnish an account without my written instructions. Under 15USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
I find that the creditor has violated all of the laws stated above. I request that their reports be removed immediately.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

PER FCRA AS A FEDERAL PROTECTED CONSUMER I OPTING OUT OF ANY AND ALL AUTHORIZATIONS I THE CONSUMER MAY HAVE GIVEN YOU WRITTEN, UNWRITTEN, VERBAL AND NONVERBAL PER 15 USC 6802 WHICH IS EFFECTIVE IMMEDIATE AND INDEFINITELY The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual, unless the disclosure is pursuant to one of twelve statutory exceptions. The Act also provides individuals with a means by which to seek access to and amendment of their records, and sets forth various agency record-keeping requirements. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Consumer complaint received 2023-12-20
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. (NJ)

I, XXXX XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Consumer complaint received 2023-12-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (TX)

I received a bill from Mohela on XX/XX/XXXX at XXXX XXXX. for around five times more than what my loan payment is supposed to be under my income-based plan ( SAVE ). The due date was XX/XX/XXXX -- less than a month from the date of the bill. I am XXXX and have no income, so the payment is based on my husband 's, the XXXX XXXX XXXX XXXX XXXX. But it is currently at nearly 25 % of his pay, even though I am enrolled in the SAVE plan. I had enrolled in the SAVE plan the first day it became available and received confirmation the application had been received XX/XX/XXXX. I have had two concussions and have auditory processing issues and must use the secure messaging system to contact Mohela since I can't use the phone. Starting XX/XX/XXXX, I have sent five messages to Mohela asking them to correct the billing error. The website indicates there will be a response from them within three business days after sending a message. None of my messages have received any kind of response. I filed a complaint with Mohela on XX/XX/XXXX and with the XXXX on XX/XX/XXXX and have not yet received any response except a request through the XXXX to fill out a privacy release, which I did. My payment is now past due because I could not pay the erroneously high amount, which was due only because of the loan provider 's error. Mohela 's refusal to provide accessibility in communication is discriminatory and ableist.
Consumer complaint received 2023-11-02
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Problems receiving the advance — 
Company: NAVY FEDERAL CREDIT UNION (OH)

I applied for a loan from Navy Federal to pay off a credit card and another loan it was approved. I never received the loan and they never paid off the credit card .then the sold tge loan to a 3rd party that is now trying to sue me for a loan the was never received
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

My consumer rights are being violated due to the presence of inaccurate information! I have the right to fair treatment by those managing this information, so kindly furnish all available details outlining how accuracy and compliance responsibilities have been neglected. I officially challenge you to thoroughly review the data on file for me, in accordance with the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C 1681I ) and Metro 2 compliance standards, addressing any inaccuracies or deficiencies in reporting. The credit report I received lacks accuracy, which is surprising considering the expectation that you adhere to FCRA and relevant Metro 2 data field formatting standards.

As a consumer, I have outlined concerns about your reporting in this document. It is incomplete and fails to meet applicable standards, as both FCRA and Metro 2 compliance require truthful and timely provision of correct information to ensure none of my rights are violated. I am aware that you have been responding to disputes and challenges from consumers with form letters, irrespective of the specific information provided. This practice is illegal, as each dispute and challenge must be individually addressed based on its merits. My letters were generated using universally accessible software. Failure to process my letters violates 15 U.S. Code 5 1681i.

Please note that delaying the processing of consumer letters under the assumption that third-party assistance may be available is not a legal exception. I am the author of any letters bearing my name, written either by me or my advisors with my full knowledge and consent. There is no legal requirement for a Power of Attorney to process consumer letters promptly. Failure to do so will be considered an intentional disregard of my consumer rights, prompting me to involve my lawyer for legal action.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

XX/XX/2024 I requested a pay to delete I was told that they do not do pay to delete due to the credit fair act they are required to report correct and accurate information I advised them that the information on my account status was not accurate This account is closed It is a debt and on the account it has open and I request it for them to delete it for the inaccuracy
Consumer complaint received 2023-12-04
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A. (NJ)

XX/XX/2023 When i was booking a flight on XXXX XXXX a promotion posed up for an Advantage Citi Card. If approved I would receive uo to a {$200.00} Statement Credt, as well as, XXXX miles in addition I would be able to check a first bag at no additional fees on domestic flights. 

I opted to apply for this offer, was approved, and a temporary number, expiration date, and, Security Code came up On the screen to use when booking my flights. In addition, I had received an email informing me I was approved. 

I returned to the booking flight, filled out the information, and, when I got to payment, I went back to the page with the card details, which, unfortunately had timed out by then, and the information was no longer available. I loged back onto the account, but, it would only show my other Citi card account, not the new one. I contacted Citi Customer Service, and was told that the number I was initially provided did not exist, and they could not help me. I asked to speak with a supervisor, but, the call went silent, although, it did still appear to be connected. 

I made another call to Citi Customer Service, and this time, it seemed that they could see I had been approved for a new account. I was asked for a code word that I had just provided during the application, and answered it correctly. I was put on hold several times, and they did not seem to be able to assist me. Once again, I asked to speak with a Supervisor. The Representative seemed reluctant to transfer me to a supervisor as i had to ask 4 times before being transferred. At the time I was transferred, I was placed on hold for10-15 minutes before being able to speak to aSupervisor. Once I spoke with the Supervisor ( Someone who identified themselves as XXXX XXXX, she determined that there was nothing that could be done, until I received my card in XXXX days. She did offer a {$100.00} statement credit for my inconvenience. Mentioned that was less than the {$200.00} credit promised, and, there was no accommodation for the promised miles, nor, the miles for the pending purchase. 

I spent almost 2 hours in my attempt to have this issue resolved, and it seems to me as I should be able to receive the {$200.00} statement credit, along with the miles.
Consumer complaint received 2023-12-20
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. (IL)

I want to stress that the mentioned inquiry on my credit report has no connection to me. I am not familiar with, nor have I ever been affiliated with the listed creditors. I urge you to take swift action to delete this inquiry from my report. Thank you for addressing this concern promptly.
Consumer complaint received 2024-04-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TN)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-04-18
Product: Credit reporting 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. (FL)

Upon reviewing my XXXX, XXXX and Equifax credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

My name is XXXX XXXX XXXX and this personal statement is being written by me. The Fair Credit Reporting Act ( FCRA ), the accounts listed in this report should not be furnished on my reports. According to FCRA section 604F, prohibits a person/company from using or obtaining a consumer report unless the consumer uses the report, and it is obtained for a purpose for which the consumer report is authorized to be furnished. FCRA section 1681-S states, that a company/person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. Lastly, 15 USC 1681-4 consumer report agencies have to resume having a vital role in assembling a reevaluating consumer credit periods there is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumers right to privacy. I demand the removal of these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX