davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-13
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: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting act XXXX Account # 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 2024-12-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (CA)

NEWREZ did an escrow analysis on my Loan # XXXX and told me that I had a shortage in my escrow account because taxes and insurance had increased. I could either make a payment into my escrow account or opt to pay a higher monthly payment. 
I responded by sending them a check for {$1300.00} which would address the shortage. NEWREZ received my check and instead of applying it to my escrow account, they applied it to reduction of my outstanding Principal balance and thereby raised my monthly payment. 

NEWREZ needs to correctly deposit my check into my Escrow account for Loan # XXXX and bring my monthly payment down to the prior level.
Consumer complaint received 2022-06-26
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. (OH)

In accordance with the fair credit act XXXX Acts Us XXXX XXXX # XXXX XXXX XXXX XXXX Have violated my rights 15 U.S.C 1681 section 602 A. States that 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. 
XXXX XXXX written off act # XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX $ XXXX XXXX XXXXXX/XX/XXXX XXXX $ U.S Department of Education XX/XX/XXXX XXXX $ U.S Department of Education XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX $ XXXX hard inquiry XXXXXXXX XXXX  hard inquiries Soft inquiries XXXX Experian???? 
Experian all over soft inquiries Clarity theres a ton XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  I dont live there No credit accounts
Consumer complaint received 2024-12-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY ()

I had two accounts with Wells Fargo ( an Everyday Checking and a Business Checking ) that I used while living in the XXXX. I moved to XXXX in XXXX and informed Wells Fargo of my new address. Due to XXXX residency requirements, both accounts were closed by the bank in XXXX. At the time of closure, the accounts held {$520.00} and {$550.00}, respectively, totaling {$1000.00}. 

Before the accounts were closed in XXXX, I submitted documentation requested by Wells Fargo to confirm I did not reside in a sanctioned country ( XXXX ). I also provided instructions to transfer the balances to my XXXX account ( details were submitted ). Despite this, the transfer was never completed. 

I have followed up multiple times via email and mailed a letter to Wells Fargos Customer Complaints team ( in XXXX, XXXX, XXXX, and XXXX ), but I have not received any response or resolution. I am requesting that Wells Fargo transfer the funds to my WISE account or mail a check to my current address in XXXX. 

I appreciate your help in this matter.
Consumer complaint received 2022-08-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-11-21
Product: Credit reporting 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. (WI)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2022-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

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

I wrote to them on the following dates : XX/XX/2022 2022
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

Dear Sir or Madam, It is with great spirits for a prosperous 2023 that I hope this email finds you. For me it is very exciting to be a XXXX customer. Aside from a checking and savings account, I also opened a secured credit card. 

The XXXX app provides, as a courtesy, an update report on ones FICO score. As I closed a XXXX XXXX credit card recently, my score experienced an enormous drop last month. 

On a greater level, I opened these accounts to develop a stronger relationship with XXXX. The app identifies Equifax as being the source for the score. However, when reviewing my consumer file, with this agency, my XXXX credit card is not reporting. 

Credit reports sometimes contain information that is inaccurate. However, a scenario in which missing positive information has now presented itself. And it is to this agency that subsequent scoring models are used by XXXX in considering future offers. 

After reaching out to Equifax and spending quite some time on hold, and escalating this to a supervisor, they delegated this back to the lender ; in this case XXXX. 


The mission of XXXX has been to engage in good business practices that protect consumers, and their access to credit. Can you kindly look into this and please see to it that the account is properly reported, along with prior months, along with future ones as well, and provide an update? 

Thank you for your assistance in this matter. 


Sincerely, XXXX XXXX
Consumer complaint received 2022-10-24
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. (NJ)

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

I wrote to them on the following dates : XX/XX/2022 2022
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2022-06-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This account is Charged off which is a violation of my rights I never gave any written consent for this to occur this is idenity Theft. The creditor has sold/furnished my debt and is now negatively reporting it on my credit profile this is damaging my name as I try to advance in life. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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 a account without my written instructions 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 : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I want this negative impact removed from my credit immediately or to be compensated for the violation of my rights 15 U.S.C 1681n States : ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I would like to be compensated for all of these errors and violations.
Consumer complaint received 2022-08-31
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: TRUIST FINANCIAL CORPORATION (FL)

We took a cruise on celebrity cruise lines and had a back to back and they gave me a XXXX test the day before the second cruise was supposed to begin on the ship and told me I had XXXX even though they sent a doctor in and I showed no signs of XXXX and he wouldnt give me another test saying that its like a XXXX test once youre positive youre always positive. After they a banded us on XXXX XXXX I called visa Credit card that is with truest bank and filed a dispute with them because on the ship they wouldnt give me a credit until they said the manifest is ending so at the end of the second cruise. I called celebrity cruise lines at least a dozen times trying to resolve this but to no avail. I kept calling truest banks dispute department and they told me that they have not gotten any response from the merchant and then on XX/XX/XXXX they said they have not heard any response so they are giving us restitution and that the credit that they provided to us would stay on our bill so I checked my bill in XXXX and nothing was on it as it was resolved so we went on vacation and came back to three letters stating that they finally talk to them and told them that I canceled the cruise which is a LIE.. and since I didnt send in a response to those letters from the dispute department at truest bank asking me if I knew celebrity cruises cancellation policy which is not what I disputed back on XX/XX/XXXX when I filed a complaint with TRUIST dispute department for the visa bill. We were disputing that they kicked us off the boat and I was supposed to get her a full refund +2 days of isolation as thats what they told me a customer relations on celebrity cruises ship. So then The dispute department at truest bank reversed the credit and gave me a debit for the amount of {$3100.00} and some change. I am mediately filed another dispute disputing the first charge plus the reverse of the second credit reversal charge and was told by a lady named XXXX that it would be reopened and only found out yesterday on XX/XX/XXXX that it was never Reopened again meanwhile I took it upon myself to text celebrity cruises and tell them that they still owe me a refund and they did it show me one for {$2200.00}. on XX/XX/XXXX. I mean really am I supposed to be doing the work of the visa TRUIST dispute department. Im still do money and it seems like no one TRUIST wants to help me in either the dispute department or upper management. Please get back with me I hope that you can find in your heart to resolve this situation for us
Consumer complaint received 2023-04-05
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

on XX/XX/23 I sent a letter regarding inaccurate information.I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year, I have sent disputes and have made a complaint with the federal trade commission and better business bureau because to my knowledge I do not recall any of these accounts. I need this problem fixed asap I will not wait another 50 days to receive any response because clearly, they are ignoring me
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : **Dispute of Debt Account XXXX Dear Sir/Madam, I am writing to formally dispute the validity of the debt you are attempting to collect under the account number referenced above. I have reviewed my records and do not believe that I owe this debt, or the amount you are claiming. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide me with the following documentation to verify the debt : XXXX. A copy of the original contract or agreement associated with this debt. 
XXXX. The name and address of the original creditor. 
XXXX. A complete history of the debt, including dates and amounts, showing how the current balance has been calculated. 
XXXX. Any additional evidence of my liability for this debt. 
If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. 

Please be advised that until this information is provided, I consider this debt disputed, and I request that you cease all collection activities. You are also required by law to report this dispute to the credit reporting agencies, if applicable. 

I would appreciate a response within XXXX  days of receiving this letter. If you do not provide the necessary documentation or if you continue to pursue this debt without verification, I will consider taking further action, including reporting this matter to the Consumer Financial Protection Bureau ( CFPB ) and my states Attorney General. 

Please send all correspondence regarding this matter to the address listed above. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-12-01
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TRUIST FINANCIAL CORPORATION (MO)

tried to make my monthly payment, bank app stated " no payment due ''. so, i did not pay. next XXXX XXXX charged me late fee {$35.00}. then i paid. a month later, exactly the same happened. but i took screen shots this time, stating again '' no payment due ''. and again-days later the bank charged me {$35.00} late fee. 
I am reporting sheffieldfinancial bank to steel money from me. I also report same bank of fraudulent activities. 
i request my money back-that they stole from me " XXXX {$35.00} ''. and removing any filed late payments in credit history.
Consumer complaint received 2023-06-06
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (DC)

PNC Mortgage has refused to remove escrow from my loan. I have owned and occupied my property since XXXX and have been making my property tax payments on my own ever since. I have receipts of these property tax payments that I have made. I currently have a credit on my property taxes according to Office of Tax and Revenue for {$300.00} and I noticed my monthly mortgage payments increased about {$250.00}. When I called PNC about 4-5 months ago to inquire about escrow account and have it removed, I was reassured by several representatives that the escrow account would be removed and I would be able to continue making property tax payments on my own. The last call I made to PNC was XX/XX/XXXX and the rep. stated the removal of my escrow account was denied. The rep. stated letters were sent out XX/XX/XXXX to request proof of property tax payments. I asked the rep. if these letters were certified and she stated the letters came through regular mail, I did not recieve these letters. I have proof of payments and I would have provided these receipts had I known they were being requested. What I am trying to achieve now, is for my escrow to be removed so I can continue making property tax payments on my own and have my monthly payment go back down to its original amount.
Consumer complaint received 2022-06-26
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. (FL)

This account is Charged off which is a violation of my rights I never gave any written consent for this to occur this is idenity Theft. The creditor has sold/furnished my debt and is now negatively reporting it on my credit profile this is damaging my name as I try to advance in life. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 a account without my written instructions 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 : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I want this negative impact removed from my credit immediately or to be compensated for the violation of my rights 15 U.S.C 1681n States : ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I would like to be compensated for all of these errors and violations.
Consumer complaint received 2022-06-26
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. (FL)

This account is Charged off which is a violation of my rights I never gave any written consent for this to occur this is idenity Theft. The creditor has sold/furnished my debt and is now negatively reporting it on my credit profile this is damaging my name as I try to advance in life. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 a account without my written instructions 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 : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I want this negative impact removed from my credit immediately or to be compensated for the violation of my rights 15 U.S.C 1681n States : ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I would like to be compensated for all of these errors and violations.
Consumer complaint received 2022-06-26
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. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 a account without my written instructions