davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX admitted to furnishing the credit bureaus with fraudulent information on my credit report but did not remove the inaccurate information from experian or eqifax credit reporting agencies which is causing a financial hardship and damages. They are fraudulently reporting information as a third-party vendor and not the US Bankruptcy court as stated on my credit report. 

It is quite clear that someone from ( Experian, XXXX, XXXX ) fraudulently verified this bankruptcy with the ( US Bankruptcy CourtXXXX ) or ( US BK CT-XXXX XXXX XXXX  ) as reported, it was verified through the third-party vendor XXXX XXXX XXXX XXXX which is not the ( US Bankruptcy CourtXXXX ) or ( US BK CT-XXXX XXXX XXXX  ) according to the enclosed letter from XXXX XXXX which is an inaccuracy. That is a violation of the Fair Credit Reporting Act ( FCRA ) and Consumer Law which states : Under Consumer Law 15USC 1681e ( b ) that whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedure to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Under USC 1681i ( 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 deleted that item of information from the file of the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation ; and ( ii ) Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2022-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Credit Karma (NC)

Credit Karma Credit Card Company Told me that I was pre approved for a credit card to help build my credit up more and that my odds for approval on a credit card was great So I applied for the credit card and didnt get approved for the credit score they told me I was pre approved for and my credit score was very decent enough to get the credit card so now I have these hard inquiries on my credit report for listening to Credit Karma I dont know what to do because its stressful when ur trying to build ur credit up
Consumer complaint received 2022-05-03
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 — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (CA)

To whom this may concern, I am reaching out about a Wells Fargo Credit Card on my credit report that has not yet been removed and is continuously preventing me from progressing in life financially. I have reached out to XXXX and XXXX multiple times in attempts to verify the legitimacy of this account and I have received no information or proof that this account is valid. XXXX  results show the account is still currently reporting after my dispute. As of now the only thing I have received is a notification from XXXX with inaccurate results. XXXX has not responded at all. 

In my documentation I asked for a consumer signed signature form both companies and they could not provide this information. I also asked for any sorts of documentation that verifies this account and received nothing. I have reached out to Wells Fargo Card Services directly and they are completely neglecting the issue at hand. 

WELLS FARGO CARD SVC Acct no : XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Attached below are the letters sent to XXXX that I mentioned in the paragraph above along with receipts that require electronic signature from XXXX upon arrival. These exact same letters were also sent to XXXX but i did not attach due to their response. 

- statement of personal information correction - 3rd attempt 609 letter letter dispute
Consumer complaint received 2024-02-06
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. (FL)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e 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.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.
Consumer complaint received 2023-04-08
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. (MD)

The Following account numbers have been reported to my credit report without proper consent, and the information provided is inaccurate XXXX XXXX, XXXX, XXXX improper origination date and incorrect creditor type In addition my private transactions wee furnished without my written consent According to 15 USC 1681 section 604 states the CRA must provide correct information.

I have the right to privacy.

15 USC 1681b permissible purpose section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without written instructions
Consumer complaint received 2021-12-08
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 2019-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

At the beginning of XX/XX/2019. I submitted a dispute for all 9 of my department of education loans, disputing the monthly payment amount. Experian disputes the wrong information. So I had to open a new dispute to dispute the monthly payment amount on XX/XX/19. Experian told me to send in proof if I had it and they would attach it to the open dispute. I found out on XX/XX/19 they closed my XX/XX/19 dispute and opened a new one. On XX/XX/19 the department of education/Nelnet send Experian the correct monthly payment amount of zero for all accounts. Experian says they have nothing and the dispute will remain open until XX/XX/2001. Every time I call I get people I other countries who dont understand what Im talking about. This is effecting my credit to debit ratio and Im unable to do anything with me credit because of this issue. All other credit companies have the accurate monthly payment amount except for Experian.
Consumer complaint received 2019-08-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (TX)

A complaint was filed about 6 months ago with this company ( NAVIENT ) because I was paying on their coupons and then every month I paid, I was getting late notices. I then asked for new coupon payments so that ALL fees would be included. I also asked that any credit report items be fixed because of their inactivity. 

Navient never responds to letters ( I have sent six this past year, three were certified, no response to any ). I do not use their online portal due to issues in the past. I want all responses via regular mail. After my last complaint, I got a listing of payments made and am still checking them, but there was no explanation on why I would pay and then get late notices. I was paying on time and then getting extra charges. 

I am sending a certified letter today XX/XX/2019, asking for a 2-3 month deferrment and a NEW payment booklet with all charges by month so that if I pay on time, I should not get calls and letters saying I still OWE money. I don't make up the payment booklets, they do. They were suppose to send a new one after my last complaint, but only sent a list of payments. I really need a definite payment, by month and no hidden or extra charges. I can not respond to emails send that will not allow responses or texts that do not allow responses. 

They are the MOST frustrating company to deal with.
Consumer complaint received 2019-08-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Movement Mortgage LLC (VA)

In XXXX  of 2019, I contacted mortgage company named Movement Mortgage head quarter located in XXXX, NC for refinancing my primary residence located at XXXX XXXX XXXX XXXX va XXXX.  The company loan officer first asked me to hire a lawyer to redo the deed adding my name to the title.  My wife and I have been married for over 25 years.  Then, I was asked to pay $XXXX for appraisal. $XXXX for CPA letter.   After almost 3 months tirelessly trying to satisfy the daily request for documents coming from the bank requests from  the loan officer, processor and assistant, I was advised that the my loan got rejected.  After 30 days following my application, the underwriter kicked me out of 1 program putting me on higher interest program.  About 90 days later, the loan officer told me my loan got rejected.  No written explanation was given.  I have suffered great deal of mental distress and financial loss as a result of this company underwriter’s incompetence, unethical and discrimination practice.  I ask you help me to reach out to this company to address issues.  Thank you.
Consumer complaint received 2022-05-03
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. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has 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 an account without my written instructions.
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The account for XXXX XXXX is reporting as 30 days late. I have never been late on this account. I have called and written in several times concerning this matter. It hasn't been rectified as of yet. The date it is reporting late is XX/XX/2021. It was removed before, then placed back onto my report. XXXX has removed it permanently.
Consumer complaint received 2018-04-09
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: WELLS FARGO & COMPANY (TX)

On or about XX/XX/2018 I was reviewing my Wells Fargo credit card account to make an additional payment besides the one that is automatically withdrawn from my checking account and noticed that my limit had been changed from {$11000.00} to {$7000.00} without notification. I finally received the notification 7 days later in the mail. I telephoned them to inquire why this had happened. I was told that Wells Fargo reviews their customers credit worthiness periodically. What I did not know was that they were all over my credit report not just their account my whole entire credit history. I feel that this is not fair. Wells Fargo should only be looking at the way I pay my Wells Fargo accounts. I have never been late, I have paid off my line of credit and credit card several times however, at this time I can only pay the minimum payments due to financial hardship although I am never late. The main reason for my frustration is that their decision has a negative affect on my credit score. I believe that it is unfair to review my credit history from other lenders Wells Fargo should only be concerned about how I repay them. Additionally, I never had a problem with Wells Fargo correctly regarding my payments to the credit reporting agencies I have a problem with them reducing my limit based on my overall history.
Consumer complaint received 2022-05-03
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. (NV)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has 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
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX continues to claim this card is mine and I have stated that it is not. I have asked for file information that verifies this information and they have not provided it. They only send their generic card agreement and credit card statements. This is apparently fraud and they won't remove the account nor send me a full file disclosure showing how this account was opened and verified. This is a violation of my consumer rights. 15 USC 1681 g ( a ) 1. 15 USC 1681 ( a ) 1. 15 USC 1681 ( a ) D ( 2 ) ( a ) ( i ) My id is attached so don't say as you have in the past that is not me and you can't identify me. It's a stall tactic that you criminally use.
Consumer complaint received 2022-05-03
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: EQUIFAX, INC. (NY)

XXXX, XXXX,, Equifax Remove and Delete I call and show proof This is a request to remove the following inquiries that were made without my expressed permission. XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries according to the FCRA were not made due to a firm offer of credit, to obtain insurance, employment, or by a court order. Please remove these inquiries that did not have permissible purpose to pull my credit. 

Under the FCRA, the burden of proof lies on XXXX you are the one allowing fraudulent information to report on my credit report. 
I have included my contact information and proof of my identity. 

Thank you for following the ethical standards set by the FCRA and removing these inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ny XXXX
Consumer complaint received 2022-05-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX, Transunion,, XXXX Remove and Delete I call and show proof This is a request to remove the following inquiries that were made without my expressed permission. XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries according to the FCRA were not made due to a firm offer of credit, to obtain insurance, employment, or by a court order. Please remove these inquiries that did not have permissible purpose to pull my credit. 

Under the FCRA, the burden of proof lies on XXXX you are the one allowing fraudulent information to report on my credit report. 
I have included my contact information and proof of my identity. 

Thank you for following the ethical standards set by the FCRA and removing these inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Ny XXXX
Consumer complaint received 2022-05-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MO)

Purchased XXXX  air cleaner. best buy shipped it. shipped in original packaging per them. XXXX XXXX tracking shows delivered. however, we have a sign that states do not leave packages due to location. we contacted best buy who refuses to assist or refund. Citibank won't dispute since tracking shows delivered, which is the whole purpose of a dispute.
Consumer complaint received 2022-05-03
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. (CA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, account # XXXX, account # XXXX, account # XXXX, account # XXXX, account # XXXX, account # has 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 w : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Consumer complaint received 2021-12-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

Issue is with Specialized Loan Servicing XXXX XXXX XXXX XXXX XXXX XXXX, Co  XXXX Ph # XXXX XXXX XXXX XXXX this is the Escalation Dept. My wife and I closed and paid off the Home Equity Line of Credit on XX/XX/XXXX paid all satisfaction fees to Specialized Loan Servicing so that they could notify XXXX XXXX in Pa  and have the Lien Release filed with the county. XX/XX/XXXX spoke to Specialized Loan Servicing and was told that all fees paid just waiting to close out the loan. XX/XX/XXXX We received a Home Equity Line Statement showing that the Account was closed so we figured the Lien Release was filed with XXXX XXXX XXXX Pa. In late XXXX   we completed another mortgage application with XXXX and were told that we still had an open lien with XXXX XXXX XXXX in the amount of {$280000.00} ( XXXX XXXX XXXX  was the original lender on the Home equity Line of Credit but it is now being serviced by Specialized Loan Servicing ). XX/XX/XXXX I called Specialized Loan servicing and was told they had not filed the Lien Release with XXXX XXXX XXXX Pa  would do that should be done 5-7 days. XX/XX/XXXX Lien still not showing satisfied had to email Spec. Loan Servicing copy of the Mortgage Documents from XXXX XXXX. XX/XX/XXXX they acknowledge have docs. As of today XX/XX/XXXX still not completed and they can't tell me when they will get it done. I had made several phone calls and asked to speak to a Supervisor and have been told they would call back. Finally heard from a supervisor and she told me they didn't file the lien release because they didn't know how much my Home Equity Line of Credit was for - I noted I had emailed them the copy of the mortgage from XXXX XXXX.so they should know it was for {$280000.00} She said would notify payoff department and let me know when they would get this taken care of. on XX/XX/XXXX Specialized Loan Servicing called and noted that my case had been escalated to get the Lien Release completed but could not tell me when it would be completed. I asked them if they could email me a letter to show to my new Bank that the Lien Release is in progress and She told me that they would not be able to do that. 
At this point I don't know what to do as I can't get my new Home Equity Line of Credit approved until the Lien Release is filed with XXXX XXXX XXXX Pa.
Consumer complaint received 2021-06-10
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (FL)

I was shocked when reviewing my credit report to find late payments reported for XXXX - XXXX of 2020. I am not sure how this happened. I believe I made my payments when I received my statements. My only thought is that my statements did not get to me.