davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TX)

I had placed the mortgage in forbearance, once things returned to normal I removed forbearance and asked for a restructure to move one " missed '' payment to the end of the mortgage. This has been approved. I was told the only option, as a result of the FHA mortgage, is to have new papers signed which need to be notarized. This is of course no problem, I asked if they could be e-mailed or faxed and I was told that they " needed originals '' so they had to be sent to the notary service from them ( this doesn't make sense since they become originals once they have my signature, there is no signature on the papers that are sent from the loan company ). The lender is requiring that I work with their mobile notary, the request was put in on XX/XX/XXXX however no one has contacted me. I have reached back out to the lender and have been told that it may be another 2-3 business days before they contact me, am I willing to wait? Do I have any choice? Not really. This is preventing me from doing a debt consolidation loan with another lender because they want to see that I'm not in default, but I can't produce that paperwork without this being completed.
Consumer complaint received 2020-08-07
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: WELLS FARGO & COMPANY (RI)

This year, XXXX XXXX, XXXX, and Wells Fargo have all lowered my credit limits on accounts that are, and have always been in good standing. 
This creates a snowball effect, as my FICO scores drop to reflect an increase of debt to available credit, even though the amount of my debt has not increased.

The strategy behind this is clear. The lenders want to prevent me from flipping balances from one card over to another, to take advantage of reduced or XXXX percent interest rates. When my promotional rates expire, they go to 30 % or more, and any effort to open a new line of credit reduces my score even more. 
This is dirty business. Ive never been late on anything. I have told these creditors that if my interest rates skyrocket, I wont pay them back at all. They dont care : My FICO scores are already ruined because of this.

Corporate greed and stupidity.

FICO scoring and lending industry abuse of this system DIRECTLY CAUSED the financial crisis of 2008. I lost XXXX homes and life savings because of this. 
See my website, XXXX. 
This business model is applied universally. The people it victimizes are rarely aware of the real reasons behind their credit problems.

FICO scoring is the SOLE PARAMETER by which an applicants credit worthiness can be evaluated or considered. Nobody reads credit reports anymore. This is a corporate screwjob, and creditors who engage in it dont deserve to be paid. Tell them to stuff it, along with their dirty business tricks. Dont sanction or tolerate legalized theft.
Consumer complaint received 2020-08-07
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: AMERICAN EXPRESS COMPANY (RI)

This year, American Express, XXXX, and XXXX XXXX have all lowered my credit limits on accounts that are, and have always been in good standing. 
This creates a snowball effect, as my FICO scores drop to reflect an increase of debt to available credit, even though the amount of my debt has not increased.

The strategy behind this is clear. The lenders want to prevent me from flipping balances from one card over to another, to take advantage of reduced or XXXX percent interest rates. When my promotional rates expire, they go to 30 % or more, and any effort to open a new line of credit reduces my score even more. 
This is dirty business. Ive never been late on anything. I have told these creditors that if my interest rates skyrocket, I wont pay them back at all. They dont care : My FICO scores are already ruined because of this.

Corporate greed and stupidity.

FICO scoring and lending industry abuse of this system DIRECTLY CAUSED the financial crisis of 2008. I lost XXXX homes and life savings because of this. 
See my website, XXXX 
This business model is applied universally. The people it victimizes are rarely aware of the real reasons behind their credit problems.

FICO scoring is the SOLE PARAMETER by which an applicants credit worthiness can be evaluated or considered. Nobody reads credit reports anymore. This is a corporate screwjob, and creditors who engage in it dont deserve to be paid. Tell them to stuff it, along with their dirty business tricks. Dont sanction or tolerate legalized theft.
Consumer complaint received 2024-05-18
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. (GA)

I previously had a {$25000.00} credit limit for a cash rewards credit card with XXXX XXXX XXXX XXXX. I unfortunately fell on hard times and XXXX XXXX  ended up closing the card and charging it off. 

I made a lump sum payment of {$500.00} and set up a payment plan in XXXX XXXX for $ XXXX to satisfy the charged off debt. 

I'm cleaning my credit up so in the midst of looking at my credit report from XXXX, XXXX and Transunion I noticed that XXXX XXXX reported the same exact account TWICE on my XXXX and Transunion report. 

One shows a balance of {$24000.00} last reported on XX/XX/XXXX and the other shows a balance of {$24000.00} last reported on XX/XX/XXXX. 

Both of these are technically inaccurate as I paid them a {$500.00} payment in XXXX XXXX, but the balance reported in XXXX XXXX is {$24000.00} instead of the accurate balance which is {$24000.00}. 

I did not have XXXX different accounts with the same credit limit. I only had XXXX cash rewards account with them so it should not appear on my XXXX and Transunion report twice. That is inaccurate information and it's having an adverse effect on my credit report by showing I owe more debt than I actually do. 

I've tried calling their collections department to see if they can fix it, I've messaged XXXX XXXX XXXX XXXX via their internal messaging system as well as disputing it through Transunion with no results. I'm not able to dispute it through XXXX yet or else I would. 

I'm asking that XXXX XXXX XXXX XXXX please remove the duplicate reported accounts on my credit report and fix the actual reporting inaccuracy.
Consumer complaint received 2022-09-15
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. (NV)

The Credit bureaus stated that my account with XXXX XXXXXXXX XXXX XXXX ACCOUNT # XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate. This is grounds for removal from my credit report. The XXXX  and my state Attorney General 's office have also been contacted regarding this matter. 

They have also violated my rights under 15 U.S.C 1681 Section 602 A States i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 States that any consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681C ( A ) ( 5 ) States NO consumer reporting agency may make any consumer report containing any of the following : Items of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681S 2 ( A ) ( 1 ) States a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-08-07
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (AZ)

The lender is NewRez LLC / operating under Shellpoint Mortgage Servicing. 
XXXX XXXX Amount due to me {$59.00} +/-. 
I refinanced the loan through another lender. The loan closed on XX/XX/XXXX. 
XXXX charged interest from XX/XX/XXXX through XX/XX/XXXX. 
XXXX charged for XXXX days on which it was not on the loan. 
I have written to them on XX/XX/XXXX and XX/XX/XXXX requesting and adjustment. Both times I got notification the request had been received and that they would respond within a few days but it has gone ignored. 
My accountant believes this might be a tactical move. The amount in question is under {$60.00} and they expect most people not to pursue it.
Consumer complaint received 2020-06-16
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: TRUIST FINANCIAL CORPORATION (SC)

BBT continues to describe bills that they sent us to pay. We never rec 'd them until XXXX when they sent a letter describing that the the account was 2 months late. We immediately paid off the XXXX $ credit card, BBT refunded the late charges, but still reported us to the XXXX, XXXX  and XXXX. We had XXXX and XXXX credit scores and b/c of the {$24.00} reported to the all credit bureau 's our scores have dropped 100 points each starting a spiral effect of not being able to refinance our home. I have tried on mutiple occasions ( 4-5 calls into customer service, 2 calls and mutiple conversations with my personal banker at BBT and more than 3 internal complaints filed ) to resolve with BBT and not one single individual from their credit department will call me back. I have disputed the information on each credit bureau sites mutiple times. Each time BBT says that they did send me a bill. I never rec 'd a bill to pay. You may look at both my husband and my credit history and never find anything like this to happen before. I DID NOT receive a paper bill to pay despite the ones they say they sent. The credit card department told us that we had seleted paperless billing. We would just like this removed from our credit.
Consumer complaint received 2020-06-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (CA)

Credence Resource added an old XXXX bill to my credit that is not mine. I have not received any information from Credence, nor have they attempted to call me. I'm disputing the debt and demanding this be removed from my credit report.
Consumer complaint received 2020-08-07
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. (TX)

I have contacted Trans Union several times making them aware that there was an increase that I did not authorize no apply for credit with these companies I've also sent a letter to the Creditor, both credit bureau and creditor refuse to act on it and they told me that the information was accurate that they would not be willing to remove it XXXX XXXX XXXX XXXXXXXX XXXX I also have a identity theft report that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-16
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MD)

I was granted forbearance due to COVID-19 as of XX/XX/2020. In general, my mortgage statements since then do not make any sense and I am trying to obtain explanations/clarification as I do not feel bookkeeping of the account is accurate. Below are a list of my grievances. I have tried contacting Carrington Mortgage Services several times over the last 5 business days and, each time, am automatically disconnected after a recorded message stating, " We are unable to assist at this time due to large call volumes ''. 

1 ) My XX/XX/2020 statement ( first statement of forbearance ) HAS A LATE FEE OF {$45.00} ON IT. Again, I am in forbearance. 

2 ) The XXXX and XX/XX/2020 statements have a DELINQUENCY NOTICE ATTACHED STATING, " YOU ARE LATE ON YOUR MORTGAGE PAYMENTS. FAILURE TO BRING YOUR LOAN CURRENT MAY RESULT IN FEES AND FORECLOSURE - THE LOSS OF YOUR HOME ''. Again, I am in forbearance. 

3 ) I have been submitting escrow only payments during forbearance ( as I was previously told was acceptable ), however, there have been " unapplied funds '' on both the XXXX and XX/XX/2020 mortgage statements. The most recent statement ( XXXX ) indicates that previously unapplied funds are being applied to principle, interest, and escrow. 

4 ) For some odd reason, both my XXXX and XX/XX/2020 statements show the same amount due ( despite partial payment for escrow only being made ). 

5 ) On XX/XX/2020, I submitted a " forbearance update '' online at the request of Carrington. I received an on screen message which stated that the forbearance was being extended by 90 days. I have yet to receive anything formal stating such and in my online account it still shows as forbearance ending on XX/XX/2020. 

6 ) In early XX/XX/2020, a Carrington rep told me that I would be informed of what options will be available to me at the end of my forbearance period in XXXX XXXX have still not been informed of what my options are at the end of the forbearance period. Carrington has previously told me that I may be required to pay all missed payments at once at the end of the forbearance. Several of my colleagues and friends have told me that their banks/loan servicers have already informed them of what their options will be at the end of the forbearance ( and it's not repaying all missed payments in full ). 

In summary, I do not think Carrington is being honest or accurately maintaining my loan. Quite honestly, I think there is some nefarious activity going on.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2020-08-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Accounts, LLC (TX)

Please refer to previous complaint # XXXX with Capital Accounts, in which they agreed they could not validate the debt from the original Creditor, and closed out the account. On XX/XX/2020, they simply opened up a new account, and state that I now owe {$9000.00} to the same creditor ( although it is phrased slightly different XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. Just as before, they will not be able to validate this debt, and although I will be forced to submit another dispute in which they will most likely ignore once again, they will undoubtedly submit the collections to all three credit agencies ( once again XXXX, and I will be once again dragged through an extremely painful and draining process. I can't begin to express the damage this has done to our family, both emotionally and fiscally, and we now seek resolution above and beyond a simple cancellation letter. We now wish to sue Capital Accounts for their unethical behavior and damages done to our personal well being.
Consumer complaint received 2020-01-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (MD)

On XX/XX/XXXX I called customer service to make my XXXX payment with a live agent. At the end of the call the agent asked which account did I want to use between XXXX XXXX XXXX XXXX which is in my spouse name or XXXX  XXXX XXXX ( XXXX ) which is in my name. I told the agent to process against the only XXXX account that I was aware of just as I did for the previous five ( 5 ) payments without any issues. Later that week I noticed that the payment had not been deducted from my account so I took the liberty to contact Roundpoint on a recorded call in which I was informed everything was fine on their end and the problem had to be with my bank. I went on to call a few more times to Roundpoint and got the  same response. Finally, on XX/XX/XXXX Roundpoint stated through an initiated call to them my payment was returned because the agent who processed my payment on XX/XX/XXXX applied it to an erroneous account # XXXX. On this call I asked why and how did this happen. Roundpoint basically stated there were two ( 2 ) XXXX  accounts on file but never alerted to me that all of a sudden this month they would be applying to an account with all XXXX rather than the one that had been used for the last 5 payments.  XXXX will take no ownership of not even at least repeating the last 4 digits of both XXXX accounts on file. Specifically, I was never asked if I wanted to use the last 4 ending in XXXX or XXXX. I would have never told the agent to use a XXXX account that to this day I dont even know how it was associated with my mortgage and was not given a definitive explanation. Just as importantly, I need to include some ethical factors to be considered and ultimately investigated by the proper authorities. Specifically, simultaneously as I was making my XXXX payment I too was in the final phases of refinancing and the loan was weeks away from being paid off. The timing of Roundpoint applying my payment to an erroneous account that had never been used in the history of this loan creates an appearance Roundpoint was maliciously sabotaging our new loan. I and many other businesses I shared my story to in this industry find it very suspicious and convenient at how a live agent could apply a payment to an account with all XXXX.In conclusion, I along with many friends, family members, colleagues and any other interested parties will work tirelessly to get this story to all appropriate Federal government agencies including the FBI to determine if there was tampering and fraudulent actions taken by Roundpoint to report negatively on my credit report which would prevent my family and I to proceed with refinancing. In addition to reaching out to Roundpoint who takes no ownership of their wrongdoing I plead with CFPB to also investigate and turn this matter over to the appropriate authorities within your reach. 
I also believe it would be very beneficial for my story to reach all audiences to determine if this issue has happened to other consumers in the lending industry.
Consumer complaint received 2022-09-16
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: Experian Information Solutions Inc. (CA)

I was the victim of Identity Theft back in XXXX An account was opened under my name, DOB, and SSN with XXXX XXXX XXXX. I tried to resolve this fraudulent account by submitting an Identity Theft Report with the 3 Credit Bureaus. This account was eventually deleted off my Credit Report, but resurfaced 5 months ago. I have been pushing XXXX XXXX XXXXXXXX to delete this account, but they keep arguing that no account exists under my name, however, they keep reporting an account under my Social Security Number. In addition, they have submitted a letter to me stating in writing, as quoted In addition, we couldnt identify an account in your name ending in XXXX. This account is the account that continues to be reported to my Social Security Number. I have submitted additional information to them, but continue to receive the same response.
Consumer complaint received 2022-10-28
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 XXXX
Consumer complaint received 2022-10-28
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: Experian Information Solutions Inc. (TX)

On XX/XX/22 I submitted a dispute to Experian for multiple hard inquiries on my report that I did not recognize nor authorize. Experian did not reply by mail so I was unable to see the results. When pulling my updated credit report, I show the unauthorized inquiries have not been removed. On XX/XX/22 I contacted each unauthorized inquiry creditor and was transferred to multiple departments each time with no representative able to find any record of my information, authorization for a credit application, or an application on file.
Consumer complaint received 2020-06-16
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: TD BANK US HOLDING COMPANY (CO)

Received a letter from TD Bank , N.A . managing my XXXX XXXX account about the privacy policy. I wanted to restrict information which bank shares about me, called provided number ( XXXX ) - nobody picks up without providing an option for a call back number or information about wait time. Called a general number for TD Bank ( XXXX ), left a call back number nobody called back. TD Bank NA does not give me an opportunity to restrict my information sharing.
Consumer complaint received 2020-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Thanks to the great work of the CFPB, I had a two-year long dispute with Capital One resolved within a month of the CFPB getting involved. Case id : XXXX The investigation was resolved, Capital One 's fraud team found there had in fact been fraudulent activity on my account which resulted in two delinquent/late payment charges being added to my credit report. 

Capital One reimbursed the money and awarded the dispute in my favor ( letters and account proof attached ) however, the two late payment charges remain on all 3 bureau credit reports. 

I contacted Capitol One and was passed from team to team, with none being able to confirm that they had updated my standing and removed the late payment red flags from my credit reports. 

I'm currently refinancing and this bad reporting is seriously affecting my ability to do so.