davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-13
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. (MN)

A dispute was submitted on XX/XX/2021 ; ( 1 ) requested deletion of incorrect name spelling and usage on file. ( 2 ) Information relating to the status of bank accounts is incorrectly listed and an attempt to fix the information was denied, ( 3 ) a debt collector claims to have ownership of an account but can not provide ownership of the account or a contract that we entered into a contract or a contract they purchased said account. A request was made for the information to be deleted because debt collector could not supply proof of ownership or contract information requested. Experian refuses to remove or investigate the above disputes.
Consumer complaint received 2021-06-13
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)

On XX/XX/2014, I filed paperwork for a bankruptcy. The bankruptcy was dismissed because I changed my mind and didnt pay the court cost for it to be official filed. I never went to court, turned in any additional information, or paid a fee. The bankruptcy is being erroneously reported by all three credit bureaus. I have disputed this many times. The wording was updated with one of the credit bureaus, changed from XXXX to dismissed, but the bankruptcy was never removed. I have disputed this about 5 times. I believe the credit bureaus are improperly investigating this matter correctly resulting in a negative impact on my credit. I am requesting this information be removed from my credit history. Again, I did file initial papers to the court, but changed my mind and did not go through with the bankruptcy and paid off creditors. 

I would also like to request that all creditors who requested my credit in the past 60 days, are notified and provided an updated report.
Consumer complaint received 2016-03-26
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Hi, my name is XXXX XXXX. I live in XXXX XXXX, CA. My address is XXXX XXXX XXXX XXXX XXXX, CA XXXX. My servicer is now Select Portfolio Servicing , Inc. ( SPS ). 
I 'm currently attempting to work out a loan modification option with SPS. I 've been trying since XX/XX/XXXX. Now it 's XX/XX/XXXX and I still do not have an answer to my loan modification request. I do n't know how long this usually takes but to me this seems very unusual to have this process take so long. Every time I give them documents they always ask for more and it seems like no matter how much documents I give them it 's still not enough for them. I do n't know what to do anymore as my home is put on a foreclosure sale which is scheduled for XXXX XXXX, XXXX. 
I 'm very worried that by that sale date I still will not have a loan modification approved on my loan. I would greatly appreciate it if your company will look into why this is going on and when I will be able to get a loan modification on my home. 
Thank you kindly
Consumer complaint received 2022-02-04
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)

In response to THEIR ADVERTISEMENT. That their score is get this " THE CORRECT SCORE '' BANKS AND LENDERS USE '' they omit the rest of it all! That is banks and lenders use only the middle score of the big three agencies and they onit some use 3rd parties who have outdated and incorrect information from the big three. My current score XXXX, here 's your credit snapshot Not Boosted 628 11 Learn more Experian XXXX XX/XX/2022 even though my debt to income went down!!!! And of course immediately impacting information posted while current and positive takes months. The scam of all scams.
Consumer complaint received 2021-06-13
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: WELLS FARGO & COMPANY (NJ)

I am writing this complaint in reference to Wells Fargo Dealer Services for destroying my credit worthiness by adding late payments to my report for a car that wasnt in my possession. I have provided proof in the form of a signed notarized letter from the individual and I, who had been in charge of the payments for when these late payments accrued back in XXXX, XXXX, XXXX, and XXXX of XX/XX/XXXX-XX/XX/XXXXThis has affected me mentally because I have been denied credit in the form of housing, getting denied credit cards, and other credit worthy items. This account was transferred to the individual which i spoke to Wells Fargo Dealer Services about on numerous occasions but the individual didnt want to transfer it for unknown reasons. I would like this resolved by getting all the late payments removed from my credit report ASAP because the Notarized Letter has the exact date of when it went into effect and when the late payments occurred, and you can see that I wasnt at fault for the late payments.
Consumer complaint received 2020-02-14
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Lockhart, Morris & Montgomery Inc. (NM)

Back in 2015 I went to XXXX XXXX XXXX XXXX school. They say they will help you get your XXXX, and reimburse the cost of school after you work there for x amount of time. They then make it impossible to work for them. Shortly after I quit it my credit, after the time expired for them to take it to court they threatened a law suit with XXXX XXXX as their debt collector. A couple months ago when I filled that complaint with you, XXXX agreed not to sue, and to remove it from my credit. Now XXXX has hired another collection agency who has relisted it on my credit. XXXX and their predatory lending practices continue to harass me and my family. They have threatened me, lied about loan amounts, and seemingly edited the original contract. Not to mention now I supposedly owe 4 thousand plus- not what my paperwork shows.
Consumer complaint received 2022-03-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

I have my account transferred from XXXX to Citizen Bank on XX/XX/2022. 
Just received my statement and there is a dormant fee charge for {$5.00}. 
In Florida a dormant account consider after XXXX  years of inactivity, while I didn't have this account that long at XXXX and only XXXX  month at Citizen. 
Was trying to contact Citizen Bank over the phone, waiting time at least XXXX minutes and a first person I spoke hung up on me. 
This is unacceptable to steal customer funds under bogus fees.
Consumer complaint received 2021-06-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TX)

My mortgage has been in forbearance since XXXX of XXXX due to Covid and losing my job. 

I have done some research and have become aware of Regulatory Requirements that have been violated. 

On XX/XX/XXXX I received a letter from the bank ( Wells Fargo ) to call them due to the forbearance coming to an end in XXXX. So on XX/XX/XXXX I called the bank and spoke to a woman who went through options with me and gave me new guidelines and told me that I was approved for a Modification and told me what my new mortgage payment would be and what my new interest rate would be, she told me that I would be getting some paper work in the mail within 2 weeks and that they needed to be signed, notarized and returned to the bank ASAP. These items never arrived on XX/XX/XXXX I called the bank there were no answers for me ... I continued to call 2 x a week until my complaint was escalated to a home preservation manager named XXXX she informed me that somehow along the process that someone dropped the ball and never followed up and that my Title was never sent out to check to make sure I had a clear title and that she was going to handle this matter, she was very good at keeping in touch with me for about 3 days and then nothing again it has now been 3 weeks and once again I have heard nothing, XXXX stated that the title search should be within a week and that I would hear from the bank but NOTHING!! I have now called the Mortgage dept. numerous times, left many messages, been hung up on, disconnected from calls ... ..I am completely feed up and afraid that my mortgage will fall into foreclosure, this is not how a Bank should handle these kinds of matters.
Consumer complaint received 2024-03-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

This is NOT a request for verification or proof of my mailing address or any other personal identifiers, but a request for VALIDATION made pursuant to the above named Titles and Sections. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have reported invalidated information to any of the three major credit bureaus ( XXXX, XXXX, and Trans Union ) ; this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act and Defamation of Character. It would be constructive for you to note that the FCRA ( Fair Credit Reporting Act ) section 609 ( c ) ( 2 ) ( E ) states : " a consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or can not be verified. The can not be verified is the key phrase, as you can see. Since I challenged you and your staff to verify, and you can not, that means all financial institutions and credit reporting agencies concerned with my account are required to remove any derogatory information. It can not be deemed accurate if it can not be verified. If it can not be verified, then it is required to be removed, according to the FCRA. 

ACCOUND NAME XXXX XXXX  XXXX. 
Account # XXXX. 
Date Opened. 
XX/XX/year>. 
Balance Owed. 
{$8700.00}. 
ACCOUND NAME XXXX Account # XXXX. 
Date Opened. 
XX/XX/year>. 
Balance Owed {$9900.00} Review and remove these accounts that have inaccurate information.
Consumer complaint received 2021-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CO)

On XX/XX/2021 I sent a letter to the credit bureaus requesting that the information regarding the charge-off balance be REMOVED along with the monthly reporting. Also the debt is past the " statue of Limitations '' for credit reporting. Nothing has been done nor have they responded to my request. They are in violation of my rights to fair reporting ( fcra ).
Consumer complaint received 2021-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (CA)

I've never filed a complaint here before, but this issue really needs to be corrected before other consumers fall victim. 

On XX/XX/XXXX, I chatted with jet blue via their online site and spoke to Barclay 's Bank on the phone. I had an upcoming trip from XX/XX/XXXX through XXXX that I had already paid for and at this point i wanted to know if there was a way I could get my bags checked for free somehow. I hadn't paid for the checked bags yet, only the tickets. I was led to believe through the chat and reassured on the phone that applying for a jetblue credit card, if I was approved, would allow me to be reimbursed for the checked bags fees for me and my two traveling companions.

After the chat agent suggested I apply for the credit card, I immediately applied for the card ( Barclay/jetblue with about {$100.00} annual fee ) and got approved. I then went back into to find out exactly how to proceed with advanced payment for the bags ( {$180.00} total ) the agents in the chat then gave me conflicting information and suggested that since I wouldn't receive my jetblue card before my flight, I was now ineligible for the free checked bags. This information also conflicted with the info I got on two separate calls with Barclay 's ( using phone number provided by the jeblue agent ). Before I purchased the baggage fees, I hsd called Barclay 's and the agent told me it was OK for me to purchase baggage fees before my flight with another credit card ( since I had not received my jet blue credit card in the mail yet ) and that I would be reimbursed afterward to compensate for the {$180.00} bag expense.

When I got home from the trip and having now received my card, I called Barclay 's to get the reimbursement ( today XXXX ). The Barclay 's representative assured me that i would be reimbursed for the fees ( which backed up what the previous Barclay 's agent told me before I first purchased the bag fees prior to the trip ) She then transferred me to a jet blue agent who now says they can't refund bag fees paid for with a non jet blue credit card. I am now on hold waiting for a supervisor ( they estimated 40 minutes wait time ) Here is some verbiage from the chat as we were talking about the free checked bag feature, before I applied for the jetblue card : Me : if I get a blueplus credit card, do I get free checked bags? ...

me : so even though I didn't pay for the flight through this card I can still do it? If I get approved?

Live agent : yes that's right But the most infuriating aspect of this is the blatant conflicting information between Barclay 's jetblue credit card and some of the jetblue agents. Two Barclay 's credit card agents told me I'd be reimbursed ( 1 today, XXXX and 1 on XX/XX/XXXX ) I have no doubt that if other consumers haven't already been cheated out of bag fees reimbursement the same way I did, many will soon if this issue is not corrected
Consumer complaint received 2022-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I have been disputing the following items for more than a year now with Zero results from the three credit reporting bureaus expect for XXXX. XXXX has updated and conducted investigations which they have already updated. Unfortunately Experian and XXXX have fallen behind in even sending out any investigation results. 
I am listing the Inaccurately Reported XXXX XXXX below needing to be immediately Removed & Deleted. 
XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX  XXXX XXXX XXXX TX XXXX XXXX - XXXX XXXX XXXX XXXX TX XXXX XXXX - XXXX EXPERIAN - XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX NORTH XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX EXPERIAN - XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (WV)

The card is a capitol one quicksilver card. 
There was a charge from capitol one travel on my card. 
I spent 1 hour trying to resolve it, nothing was done. 
Then I spent another 20 minutes at which time the card was locked, so right now I have no credit card that I can use. These are both capitol one companies ... and they are treating the credit card customer like XXXX. They will not talk to each other and resolve the matter. 

Plus, all 5 customer service people that I talked with were pretty rude. Women in XXXX do not need to be referred to as " Miss '' XXXX!!!
Consumer complaint received 2022-03-21
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: Bread Financial Holdings, Inc. (FL)

I have been actively trying to communicate with Comenity Capital Bank in regards to derogatory remarks being reported on my credit file. During late XXXX and XXXX I communicated with this company that I was not able to make on time payments due to the pandemic. This company would not work with me at all and has been reporting these payments to my credit reports. Also, Comenity Capital Bank is in violation of my rights under laws. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( 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 instructions of the consumer to whom it relates. 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

I have clearly stated this in several letters and they have continued to report these transactions. I have sent letters to Comenity Capital Bank on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and they have failed to remove these payments.
Consumer complaint received 2021-06-13
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: Delta Management Associates, Inc. (PA)

i paid delta management for a collection from XXXX XXXX an they did not report it to XXXX XXXX  so now my score has been impacted???
Consumer complaint received 2022-10-11
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. (TX)

I had a XXXX XXXX XXXX and they switched to XXXX and started charging minimum fees if you did not use the card as soon as I noticed the small fee I called in to cancel the card and get the fee removed. I was reassured the account was closed and the fee was removed and the next month I got another email claiming my account was passed due. I called again and again the rep stated she would credit the fee and close the account. The 3rd month rolled around I got another notification and called again. Same thing, this time more minimum charges plus now late fees. Rep assured me she would handle it once and for all. I recieved a notification from the credit bureau the card was closed due to late payment they made derogatory remarks on my credit and they are still charging the minimum fees and late payments. I called AGAIN this is 5 months now. I spoke to a supervisor that had so much background noise now they are telling me I have to jump through hoops to get this removed. My husband and I are trying to buy a house. This XXXX has made my credit drop down XXXX points!!! I just want this fixed. I don't know what else to do. I even offered on the 3rd month just to pay the stupid XXXX minimum fee and move on but the rep said it wasn't necessary it was reimbursed and closed.
Consumer complaint received 2021-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XX/XX/2021 To : CFPB/Dept. of Business Oversight From : XXXX XXXX RE : XXXX XXXX loans loan # XXXX CFPB, I woke up today to my credit monitoring indicating my score dropped 51 points due to my mortgage servicer XXXX transferring my loan and upon transfer showing I am 120 days late. I have been under forbearance with XXXX and all recorded phone calls have verified my credit report would not be impacted. They lie yet again. Documents dated XX/XX/2021 show my trial payment plan in which I have made all payments ON TIME. They decided in the middle of the trial plan to TRANSFER MY SERVICING TO XXXX XXXX- HOW THIS IS LEGAL IS BEYOND ME AS NOW THAT IS ENTIRELY IMPACTED AS WELL. XXXX XXXX DOES NOT HAVE THE CORRECT DATA TO MY LOAN. 

Payments were made to XXXX for XXXX and XXXX. They transferred my loan on XX/XX/XXXX and the last XXXX payment was made to XXXX XXXX. 

All three credit bureaus report now as of XX/XX/2021 that my mortgage is 120 days past due. How is this legal and acceptable based on being impacted by Covid when I have made payments on time and can easily prove that? Why do they get away with this? I was just going to try and refinance in a few months and now this will delay or not allow me as a consumer to get a refinance to lower rate. 

I have done all that XXXX has asked, made my payments on time, suffer through their transfer now and its continuing to hurt me as the consumer. I am blessed my wife is both a lender and has her XXXX XXXX as we find its no use to even call them to rectify, we have to report this to the CFPB to get corrected on ALL THREE BUREAUS. 

Please help us, XXXX XXXX
Consumer complaint received 2024-03-08
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)

I reviewed my consumer reports and noticed that I had two late payments on my XXXX account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshots inside this complaint in on dates of [ XX/XX/23, XX/XX/23 ] Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks!
Consumer complaint received 2021-06-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MD)

To whom it may concern : I have been trying to work with my mortgage but have only been given a run around. At first they failed to help me when they advised they never received documents and my loan modification was in limbo. Then I asked them to review me for a loan modification but they gave me a partial claim that does not help my situation. I am trying to be in a better financial situation than where I started. They advised it would take a few weeks to remove the partial claim in order to get my loan modification review started. Now, 2 months later and they have yet to review my account for an actual loan modification.