davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-03
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

I feel that my loan modification application has been decline and I feel discriminated because of my race and ethnicity and I also feel they are violating the Fair Housing Equal Opportunity Act Policy and Guidelines. 

I have summit my application and comply with all term and condition with all necessary document need to qualify more then 7 times. Lender and Services now setting a sale date on my property want lender and services to be investigate for mortgage discrimination and for violation of ( Mortgage Servicing Rules under the Real Estate Settlement Procedures Act ( Regulation X ) ( RESPA ) Wells Fargo home loans and XXXX XXXX ( servicer )
Consumer complaint received 2023-12-04
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

XXXX XXXX XXXX has inaccurately placed my auto loan in a charge off state in XXXX of 2021. XXXX ( 3rd party auto dealer ) paid the remaining balance of my auto loan in XXXX 2021, one month before the account was due to be in a charge off state. XXXX also made an attempt in XXXX of 2021 to payout the vehicle but according to XXXX, they never received it. XXXX intentionally stalled processing the new check of the full amount of the remaining loan until after I reached the charge off / delinquent date in order to receive the tax break and the full amount of the funds. 

During this waiting period, I was unable to make payments due to the bill of sale already being processed ( twice due to XXXX stalling for three weeks ) and also because of the disablement of my online XXXX XXXX account due to the buying process. 

Ive asked for the C/O remarks to be removed and provided documentation proving why case - XXXX agreed but never followed through with the removal. 

Ive recently learned that XXXX and XXXX are now affiliated with one another and I believe both parties worked together to intentionally get a tax break by filing the charge off while also knowingly receiving the money of the full amount of the vehicle. 

Please investigate this unethical and predatory behavior.
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

The reason why I'm following this complaint is because this repossession date is XX/XX/2015 and I spoke to the creditors multiple times over three months and they stated that they have sent a request to this bureau to have the repossession remark removed off my credit report for over three months and it still on my credit report it's been over seven years from the time of the repossession and the remark is affecting me and I have tried my best I've sent numerous letters to this credit bureau and still nothing has happened this is a violation of my rights because I know it should be not it should not be on my credit report no more than seven years from the time the delinquent has happened and it is over seven years now I need this repossession for remark remove my credit report it has been removed off of XXXX XXXX but not this credit bureau.
Consumer complaint received 2024-03-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NV)

My student loan was serviced by Nelnet for the last XXXX to years. Never had a problem. 
I owe about XXXX payments. Sloan Servicing took over today. 
I went into my new account for the XXXX XXXX time today, and Sloan Servicing added on XXXX payments to my loan. I called 3 times and was told no one can help except a supervisor and I can only leave a message. 
You can only see this extra XXXX payments when you actually click on the individual loans where it says the amount due, the balance and number of remaining payments. Sloan said reason is because I consolidated my loans... I consolidated my loans like XXXX to years ago, and that should not make me pay XXXX additional payments. 
Sloan said they see that I owe XXXX payments and that is what it shows on the record. This is not accurate, this is illegal, and they are adding XXXX payments, illegally on to my loan.
Consumer complaint received 2022-12-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (MD)

On XX/XX/2022, I was not able to log in to my account. I had tried all basic troubleshooting options, including using different browsers, using Private/Incognito mode, using a different computer, restarting the computer, and clearing cookies site/data. I was also unable to log in through the mobile phone app. 

This was not a wrong username/password error, I was receiving a generic Request can not be processed error. 

I called customer service that day and a representative walked me through some additional troubleshooting with no success. They submitted a support ticket for me. I never heard back and the problem was not resolved. 

On XX/XX/2022 I tried to log in to my account again and was still unable to. I repeated the troubleshooting steps I had done before with no success. 

Since I can not access my account, I do not have access to my money.
Consumer complaint received 2022-12-25
Product: Credit card or prepaid 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: DISCOVER BANK (GA)

I submitted a fraud claim to Discover for a new credit card opened up where I saw several unauthorized charges in XXXX and XXXX from the beginning on XX/XX/2022. The XXXX department opened a claim/investigation and I spoke with someone from that department maybe XXXX times during the investigation to provide additional details. XXXX XXXXXXXX I noticed that all of the charged were reversed from the adjustments made resulting in my account balance being increased again. I am not responsible for these charges, I did not authorize anyone to make these charges and they need to be removed permanently. Discover is negligent in protecting me as a customer when the card is supposed to be secure with a number of protections in place as their client.
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

The file I will upload are fraud accounts and inquiries, I have submitted this information over and over in still no response for over 5 months. Im a victim of theft and they need to remove these accounts
Consumer complaint received 2018-03-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (IN)

In XX/XX/XXXX, from an offer to provide high speed internet access, I made arrangements with XXXX XXXX XXXX to replace my Spectrum service with less-expensive and higher speed service. The XXXX XXXX XXXX technician installed the service, but warned me that I would likely not be satisfied with the available speed. The available speed in my neighborhood was only 3 mgs as the fiber connectivity had not reached my area. My previous speed from Spectrum was XXXX mgs. He told me that I had to call XXXX XXXX XXXX to cancel the service. I did so and XXXX XXXX XXXX agreed to the cancellation. They told me that I would see the net zero bill in XX/XX/XXXXXXXX the billing balance due that month had been reduced but was not at zero as promised. XX/XX/XXXX's bill was further reduced but still not at zero. Each month I spoke to XXXX XXXX XXXX and was told it was just an internal process to back off the charges and for me not be concerned. XXXX weeks ago, I received a collection letter from XXXX XXXX XXXX for the residual amount of {$110.00}. Since then I have received two collection phone calls informing me that the uncollected debt was going on my credit report. I spoke to XXXX XXXX XXXX again on XX/XX/XXXX and they told me that they would correct the issue, but it would take time to negotiate service costs with the collection agency. To their admission, I do not owe the debt, but because of their delay in processing, it has cycled through to the point of collection. They keep telling me the right message but the never follow through to closure. XXXX XXXX XXXX 's incompetence has now turned into harassment.
Consumer complaint received 2023-01-05
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. (FL)

The file I will upload are fraud accounts and inquiries, I have submitted this information over and over in still no response for over 5 months. Im a victim of theft and they need to remove these accounts
Consumer complaint received 2023-01-05
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-03-03
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: General Motors Financial Company, Inc. (NY)

I went to XXXX XXXX looking for a car loan. On XX/XX/2018 I gave XXXX XXXX permission to run my credit report. Upon this agreement, I was informed that XXXX XXXX would be reaching out to several banks to try to get me approved but I was also told that these numerous inquiries would be bundled into one, claiming that the credit bureau would recognize it as me shopping for a car. The extra inquires include GM   Financial on XX/XX/XXXX and XX/XX/XXXX, XXXX on XX/XX/XXXX and XXXX   on XX/XX/XXXX. When I contacted the gentleman at XXXX XXXX he assured me they would fall off of my report. It's been over a year and these inquiries are damaging my credit score.
Consumer complaint received 2023-01-05
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)

The file I will upload are fraud accounts and inquiries, I have submitted this information over and over in still no response for over 5 months. Im a victim of theft and they need to remove these accounts
Consumer complaint received 2020-03-11
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (TN)

Reference # XXXX I contacted Home Depot credit card to discuss the reasoning for their decision. After being transferred to 3 different people I ended up talking to a supervisor named XXXX. My first question was about the credit score.  She could not tell me what score that they were using. Examples FICO  XXXX, Vantage 3.0, etc. The reason I was asking is because the number reflected was not even close to the actual numbers that I obtained from the credit bureau myself. In addition as we looked over my credit report there was conflicting information through out the report and she could not answer my specific questions. How can a company be following the FCRA if they cant even explain their own information to the consumer?
Consumer complaint received 2020-03-03
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: Credence Resource Management, LLC (KY)

The issue I am having is with a debt collector reporting on my credit, by the name of Credence Resource Management. They reportedly bought the debt from XXXX XXXX The issue with this is, that it was a joint account ; and the amount due was for a payment on new smart phone devices that were signed for and had the signature of the other person on the account. I went to the XXXX store at the time it was added to my bill, and fought with XXXX, because I was closing out the account with this person. We came to an agreement I would pay the cancellation fee of the account which was {$600.00}. This happened in XXXX of 2016. They agreed to take my name off of the account once I paid the cancellation fee, and put the remaining balance in the amount of {$2700.00}, in his name ; since the signatures for purchasing the devices was his signature. I am not responsible for this debt, I payed XXXX what I owed, and my name was to be taken off the account. Please remove my name from this account.
Consumer complaint received 2023-01-05
Product: Credit card or prepaid 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: BARCLAYS BANK DELAWARE (TX)

After performing a minor audit I realized that on XX/XX/XXXX I was charged {$9700.00} by XXXX XXXX XXXX On XX/XX/XXXX I reached out to Barclays credit card to file a fraudulent claim with them for this fraud. After two weeks I received a letter from Barclay credit card stating that this was not a fraud. I then proceeded to call them again to refile my claim and was told that it was denied because Barclay credit card fraud department was unable to reach the merchant ( XXXX XXXX  ) and because my account is in good standing this must not be a fraud, and that I should call them directly and ask them for a refund. As I explained to them when I originally filed my claim I have reached out to the merchant numerous times and I'm unable to reach anyone. I don't understand if the bank can't reach the merchant. How do they expect me to? When I explained this they told me there is nothing they can do for me to call the merchant. I am a senior citizen and don't always stay on top of my finances so I didn't catch this earlier. I am now staying more aware of my accounts but as a customer for this credit card I find it hard to believe they are protecting the Merchant and not their customers.
Consumer complaint received 2024-03-17
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. (MO)

Requested TransUnion to reinvestigate XXXX XXXX XXXX # XXXX which per the response was validated as Accurate. Transunion did not provide a description of the procedure used to determine the accuracy and completeness of the information. 
The Results were the same from the investigation of XX/XX/XXXX and XX/XX/XXXX however Tram Union indicated it has been updated Rating/ Payment received. 
1. Transunion report XXXX XXXX # XXXX Origination date Last Payment date XX/XX/XXXX also shows a Charge -off XX/XX/XXXX Maximum Delinquency 90 days in XX/XX/XXXX. XXXX. Transunion report XXXX XXXX # XXXX Origination date XX/XX/XXXX Last Payment date XX/XX/XXXX also shows a Charge -off XX/XX/XXXX Maximum Delinquency 90 days in XX/XX/XXXX. XXXX. Transunion report XXXX XXXX # XXXX Origination date XX/XX/XXXX Last Payment date XX/XX/XXXX also shows a Charge -off XX/XX/XXXX Maximum Delinquency 90 days in XX/XX/XXXX. Trans Union report indicates payments were made in XXXX. 
TransUnion shows XXXX XXXX # XXXX were charged off after the statue of limitation had expired. Trans Union shows the re -aging of accounts by XXXX XXXX XXXX XXXX when the Last Payment Made was in XXXX. 
Prior to the Spin-Off ( XXXX ), all XXXX XXXX XXXX XXXX were originated and initially held by XXXX XXXXXXXX XXXX XXXX as a subsidiary of legacy XXXX XXXX XXXXXXXX XXXX typically then sold certain of the performing XXXX XXXX XXXX XXXX to an affiliate of legacy XXXX for securitization. Additionally, on a monthly basis XXXX XXXX XXXX  sold all loans that were over 90 days past due, in forbearance, restructured or involved in a bankruptcy to an affiliate of legacy XXXX. 
XXXX XXXXXXXX collected XXXX XXXX XXXX XXXX pursuant to policies that required loans be charged off after 212 days of delinquency. In XX/XX/XXXX, XXXX XXXX XXXX began collecting the vast majority of its XXXXXXXX XXXX XXXX XXXX pursuant to policies that required loans be charged off after 120 days of delinquency, in accordance with bank regulatory guidance. For the reasons described above, a portion of XXXX XXXX XXXX historical performance data does not reflect current collections and charge off
Consumer complaint received 2022-10-27
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: Credit Karma (CA)

I signed up for credit karma and was offered and told to use apply for loans and cards indicating that my approval rate would very high and I got denied several times. I feel like this is false advertisement on their part and giving me false that would be approved for loans. My credit score is bad and have been trying to fix it for years based on the information their site provided. U know that there is lawsuit against credit karma and I feel like I should be apart of it because the have done more damage to me than good.
Consumer complaint received 2020-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I'm trying to buy a house and the information that my credit is reporting unknown to me it's all health information which is also illegal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-25
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion was notified of this fraudulent and unauthorized inquiry on XX/XX/XXXX, immediately when it was noticed. Transunion was also notified on XX/XX/2022 as well as a compensation of {$1000.00} was demanded in accordance with the law for their violation. Transunion responded over 50 days later, which was way far beyond the 30 days allotted by law. The claim was closed without resolve and compensation. It is now over 6 months. Transunion continues to violate their duties as a consumer reporting agency and in doing what is fair and equitable to me, the consumer. This is willful neglegence.
Consumer complaint received 2022-01-02
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

A debt validation letter was sent on XX/XX/XXXX to prove that this debt is owed by me. This is very damaging to my credit as I try to apply for my first home. This validation letter was sent on XX/XX/XXXX as of today XX/XX/XXXX this debt has yet to be proven to be owed by me. This company has not replied to the verification letter of the this debt.
Consumer complaint received 2023-07-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Abra (MD)

I have an account with cryptocurrency exchange Abra. The company asked me to withdraw all my assets with them in early XXXX. I withdrew the cash balance in the account totaled {$130000.00}, on XX/XX/2023. The withdrawal was intended to use wire transfer to my XXXX XXXX XXXX account. My cash asset in Abra 's account went to XXXX XXXXmmediately. However, up till today, XX/XX/2023, My XXXX XXXX XXXXXXXX account has not received this transfer at all. 

I sent a request to XXXX, complained about this problem. On XX/XX/XXXX, I received a response saying that their XXXX XXXX XXXX XXXX XXXX was ordered to stop operation by the government of Nevada. The company did not address the solution to solve this problem, and return my money back to me.
Consumer complaint received 2020-03-03
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: Convergent Resources, Inc. (NY)

I WAS ON MY CREDIT MONITORING SITE AND NOTICED A FRAUDULENT ACCOUNT THAT IM GONE PUT IN THIS COMPLAINT HAD NO KNOWLEDGE OF I WOULD LIKE FOR THIS ACCOUNT TO BE REMOVED OFF MY CREDIT REPORT BECAUSE ITS AFFECTING MY CREDIT