davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY (FL)

XXXX to XXXX Struggling to pay mortgage, home was worth less than the mortgaged paid. Reached out to Wells Fargo for help they told me to do a loan modification because behind on payments to avoid foreclosure. I wrote letters every month. They told me I do not need a lawyer but foreclosed on my and short sold my house to someone else.
Consumer complaint received 2016-10-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I signed as co-signer for an initial application for credit for a private student loan on behalf of my father. After the initial credit application, I never saw disclosure of the terms of the loan, nor signed another document again. I was told by a XXXX representative that there was a check made out to me AND my father, but I never signed that either. When notifying XXXX student loan services, they told me I can submit a fraud package, but never gave me the package or proof that I signed for any loans. So the fraud is on XXXX student loans part. XXXX currently is n't reporting this loan on my credit report, it is a company called XXXX ( XXXX XXXX XXXX ). This company charged off the student loans, yet every time I dispute the charge saying I do n't own it, all three credit bureaus come back and say I do own it ( Transunion, XXXX, XXXX ). I am not sure how the credit bureaus verify this when XXXX is unable to provide any information on these loans. So not only can I file a fraud charge on this account, but both XXXX and XXXX refuse to mail me any evidence that these loans belong to me. XXXX only sent a loan request I signed on XX/XX/2008 while showing a document of Disclosure Statement sent on XX/XX/2008 with no signatures. And they do not have the cancelled check showing my signature ( or lack thereof ). I am only trying to remove myself as a co-signer because I never agreed to their terms nor signed the check IN ACCORDANCE WITH CODE OF FEDERAL REGULATIONS, TITLE 34 EDUCATION, SECTION 685.215 - Discharge for false certification of student eligibility or unauthorized payment.
Consumer complaint received 2015-09-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Records were stated again from XX/XX/XXXX,XX/XX/XXXX to lower my rating from Trans Union. I am retired, and dept free at this moment. there rating service return old files that I requested be cleared 8 or nine years ago. I 'm purchasing a car, and will be forced to pay a higher rate due to their false report. If an update is issued, I can reapply for a lower rate. Thank you, XXXX XXXX. 
XXXX
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Credit Karma (GA)

In XXXX of 2022 i opened a money spend checking account with credit karma I did so because I knew Id be filing taxes through turbo tax and with the account being advertised as free I honestly didnt think I could go wrong doing soI made a few automatic transfers into the account just to show activity to avoid it being closed and otherwise relied on my email to notify me of any other activity on the account. I had also opened a savings account with credit karma which is still open. So now the time has come to file taxes and when I go to link my money spend account with XXXX Im alerted that my Account had been closed ..i received no warning prior to the closing nor even a reason of why when I searched my email.I contacted credit karma they opened an investigation to see why it had been closedsame night I reached out again the next rep informed me they closed my account over a -3 balance in which I remind you I was never even notified about so that I had time to pay it.she also notified me that because of my account being closed that I was unable to reopen my account.I attempted reaching out again with disbelief and hopes that someone would Help me set this straight but was only Told that I couldnt reopen my account
Consumer complaint received 2021-12-23
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: EQUIFAX, INC. (GA)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2023-06-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (KY)

I was unaware of a debt until it showed up as a negative report on my credit report. My apartment complex that the debt it supposedly owed to never told us the debt was owed ( {$700.00} ) after moving out or told us when it needed to be paid by. We moved out in XX/XX/2022. 

Around 5 months later I had not received any notice from the apartment complex the amount was due and was going to be sent to collections. The first I found out about the debt was around XX/XX/2022 when I got a negative report on my credit report as it had been sent to a debt collector. 

I had not received any type of written notice about the debt being with a debt collector or given the ability to dispute the debt. I still have not heard anything from the debt collector in written form or by phone or email. It has been over a year since I moved out of the apartment. It has now been sent to collections and has greatly impacted my credit score.
Consumer complaint received 2022-10-04
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. (GA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2019-12-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P. (FL)

I have been placed in collections on XX/XX/2018 by LVNV Funding LLC for the balance {$840.00}. This is in response from erroneous reporting to the Credit Bureaus, and the highly negative impact on my personal credit report. I have not received information to verify this debt. 
This is not a request for " verification '' or proof of my mailing address, but request for VALIDATION made pursuant to the above. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec, 809 { b } that your claim is disputed and validation is requested. 
I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : - What the money you say I owe you is for? 
- Explain and show me how you calculated what you say I owe : - Provide me with copies of any papers that show I agreed to pay what you say I owe : - Provide a verification or copy of any judgement if applicable. 
- Identify the original creditor. 
- Prove the Statute of Limitations has not expired on this account.

- Show me that you are licensed to collect in my state.

- Provide me with your license numbers and Registered Agent of Service.

At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, XXXX, or XXXX ) this action might constitute fraud under Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by the company or company your represent all references to this account must be deleted and completely removed from my credit reports an a copy of such deletion { to any/all the 3 major credit reporting bureaus : XXXX, XXXX, and XXXX  } requests shall be sent to me immediately.

If your company fails to respond to this validation request within 15 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit reports and a copy of such deletion { to any/all the 3 major credit reporting bureaus : XXXX, XXXX, and XXXX  } requests shall be sent to me immediately. 

I would also like to request, in writing, that no telephone contact ( including computer generated calls and calls or correspondence sent to or with any third parties ) be made by your company to my home phone, cell phone or my place of employment.
Consumer complaint received 2017-04-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Phoned Transunion and spoke with a Rep inform them I had been a victim of the their credit inquiry issue ... .to include the following inquiries XXXX XXXX XXXX ), XXXX, XXXX XXXX ( XXXX ) XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX ( XXXX ), XXXX , XXXX, XXXX , XXXX,
Consumer complaint received 2023-12-05
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. (PA)

Trans Union, XXXX, XXXX are in violation of consumer law codes ( 15 USC 1666B ) & ( 15 USC 1681a ) I did not authorize nor gave my consent for these late payments below to be reported to my credit report This information is incorrect and is against the consumer law. Nor was I notified regarding these late payments no notifications have been sent regarding these late payments I demand that these late payments be removed immediately. Also, I demand that Trans Union, XXXX and XXXX show proof that I gave my consent for these late payments below to be reported to my credit report. 

XXXX Account # XXXXXXXX XXXX  Account # XXXX XXXX XXXX  XXXX account # XXXXXXXX XXXX Account # XXXX
Consumer complaint received 2017-02-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

Different 3rd Party Debt Collection companies continue to buy and resell and report to XXXX credit agencies some bogus debt supposedly owed to XXXX XXXX for unpaid telecommunications/internet services which I never had. I have lived at current address for almost 4 years and had XXXX XXXX for nearly 10 years. This bogus debt keeps reaccuring on my credit report from various 3rd Party debt collectors whom can not vaildate the debt and do not possess the required documents to support their claims. They continue to renew it and it comes up as recently reported as recently as a week ago. Sometimes it is reported multiple times on the same credit report as slightly different debt, for under {$200.00} dollars most often as {$56.00} or {$150.00} dollars debt. This needs to be removed and the credit bureaus refuse to take any action to remove this despite it being in violation of the FCRA.
Consumer complaint received 2016-10-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TRANSUNION HAD A GLITCH IN THEIR SYSTEM THAT VIOLATED THE RIGHTS OF THEIR CONSUMERS UNDER SECTION 6.11. AS A RESULT I HAVE BEEN GRAVELY AFFECTED AND MY SCORE IS SUFFERING AS A RESULT. NO NOTICE WAS EVER GIVEN WHICH IS ALSO A VIOLATION AND I AM REQUESTING THAT ALL INQUIRIES BE REMOVED : XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CMG MORTGAGE, INC (NY)

CMG is the worst mortgage servicing company I've dealt with. Their customer service representatives are unable to properly deal with customer issues and are almost exclusively reading from a script without any break from the company line unless you attempt to escalate through many agents and/or departments. 

My latest issue is trying to remove PMI from my mortgage. This department has no human presence, no phone number, no department to speak with via transfer, no named email address. The only way to receive information regarding PMI is to email their address at XXXX which is presumably an outside service provider. 

My first email to this address was on XX/XX/22 with regards to receiving an updated property appraisal to review and modify my XXXXXXXX XXXX XXXX XXXX. I received an email response 22 days later that I was ineligible to remove PMI. 

I immediately responded, same day, to their email for clarification on eligibility on XX/XX/22, I received my response 18 days later that I needed to resolve my COVID XXXX forbearance before receiving additional information on removing PMI. 

It took 41 days for this company to answer a very basic question to their customer regarding the removal of PMI. 

On XX/XX/22 I had my XXXX mortgage payment cleared and I email the department again about the removal of PMI. As of this time, I still did not know what the process was to request an appraisal to re-evaluate my XXXX on my mortgage. 

They responded 23 days later with the details needed to move PMI from my mortgage. This being a full 97 days from my initial inquiry. 

I sent a check as requested to process an appraisal in XXXX, I received an email from the PMI department on XX/XX/XXXX that I was ineligible for the appraisal. 

I had, for the first time delinquent, submitted a mortgage payment for XX/XX/XXXX payment on XX/XX/XXXX. I then followed up that payment with a second to satisfy my XXXX mortgage payment. However, that made my mortgage payment history with a single 30 day late payment. 

This resulted in me being ineligible to request an appraisal to modify my mortgage XXXX for the chance to remove PMI for at least another 12 months. 

I'm of the opinion this is setup by design to make the appraisal and modification of PMI as difficult for the consumer as possible and to the benefit of the mortgage/PMI servicer. 

I'm set by a specific standard by my mortgage company and I don't believe they are set to the same standard. I should be able to speak with this department directly as a consumer and get answers to my questions as needed, not wait a consistent average of 21 days before receiving replies to basic email inquiries.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

Dear Experian I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE XXXX XXXX XXXX XXXX  Account Number : XXXX Delete From My CREDIT REPORT 2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXXXXXX XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXXXXXX XXXX  Account Number : XXXX Delete this account. 
4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX XXXXXXXX XXXX XXXX of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-22
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: Experian Information Solutions Inc. (FL)

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 all other names and addresses. These other forms of my name are not correct historical data. 
incorrect historical data listed below : Incorrect Address - XXXX XXXX XXXX, XXXX, FL, XXXX Incorrect Address- XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Address- XXXX XXXX XXXX Incorrect Address- XXXX, FL XXXX Incorrect Address- XXXX XXXXXXXX XXXX XXXX FL, XXXX Incorrect Address- XXXX XXXX XXXX XXXX FL, XXXX Incorrect Address- XXXXXXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX Incorrect Address- XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX
Consumer complaint received 2023-01-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (OR)

I attempted to get a modification in order to keep my house, originally I was approved and then they stated that I did not qualify and was no longer eligible to try to get a modification. This resulted in them attempting to foreclose on the house, of which I had to sell under duress in 2018 to avoid the foreclosure. 

This has caused a longer term hardship as now my rent has been higher than my mortgage payments and I have lost all the equity that I would have had in the home.
Consumer complaint received 2023-01-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Westcreek Financial (KY)

My son 's car needed an engine replaced per XXXX XXXX XXXX in XXXX, Kentucky. Unfortunately we didn't have enough money to cover costs so we were told to apply for a loan through Koalafi per shops owner and the money I was approved for was the exact amount he charged as well as not actually perform the services on the vehicle. The shop owner actual made fraudulent charges for work that was never performed just to have the vehicle go back into the same state. I've reached out to the owner but he isn't trying to work with me on making it right.
Consumer complaint received 2023-01-20
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. (WA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2016-11-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently called to check the status of the XXXX dispute I sent to Transunion in regards to public records entry on my file. I have advised numerous times that although the bankruptcies were filed, They are no mine. XXXX has verified that the public records were not mine and have deleted them from my credit file. I was advised that I have to contacted the XXXX and was advised that they advised that I did not file a bankruptcy with them. I have contacted both courts and was told that they do no furnish any information to the credit bureaus or any 3rd parties. As working in a law firm, in order to access public information for " legal '' use, you must complete a form and indicate why you are seeking this information. I have been told a number of times that an electronic message is sent from XXXX to the courts directly. Each time, the " courts '' send back a message starting that they are verified. I then ask for the name and telephone number of the individual at the court that verified the information, and the bureau is unable to provide that information.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

In accordance with the Fair Credit Reporting act. The following account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
* Account name : XXXX XXXX XXXX XXXX XXXX XXXX * Account number : XXXX, all have violated my rights. 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item 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 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.