davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TD BANK US HOLDING COMPANY (GA)

I hope this letter finds you well. I am writing to express my serious concerns regarding what appear to be violations of security regulations by your company. It is with great disappointment that I must bring this matter to your attention.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

I am writing to follow up on a previous correspondence regarding the XXXX XXXX Bankruptcy entry on my credit report, associated with XXXX XXXX XXXX. 

I sent a complaint about the Bankruptcy from my Credit Report and looks like XXXX was already deleted. However, Experian still refuses to remove it off my credit report. 

The court house already states that they do not report this to the Credit Bureaus. I have attached a document affirming the courthouse 's position, explicitly indicating that the information in question is not reported to Experian or any other Credit Bureaus. 

Given this confirmation from the courthouse, please remove the XXXX XXXX Bankruptcy entry from my credit report with Experian. Your cooperation in resolving this issue expediently is greatly appreciated.
Consumer complaint received 2023-11-28
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. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX  XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX  XXXX {$0.00} XX/XX/XXXX XXXX XXXX  XXXX {$0.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-11-28
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-28
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LAKEVIEW LOAN SERVICING, LLC (AL)

I spoke to a representative with Lakeview - Loan Care a couple of weeks ago to ask a question about our homeowners insurance escrow account.

We have switched homeowners insurance to a cheaper policy in order to lower our mortgage payment amount. Our previous insurance provider sent us a refund check, and I'd like to apply that to the shortage on our escrow account to catch it back up from the switch over. I called to get information on how much we needed to pay for the shortage, and how to make that payment.

The representative said since I wasn't on the loan account, and was not listed as an authorized user, I had to get my husband ( who is on the loan ) to add me. They asked that he call, however, he is in the military and XXXX to XXXX and can not make outgoing calls or accept incoming ones. So they suggested he go online to the website to do it. 

He did access the website and added my information in the request, but did not hear anything back or receive any further correspondence on it. When I called back to try and get the information, they said they still did not have the request or have me authorized on there. The rep said to give it a bit and try logging in again to see if it had any updates. 

Since then we have tried logging into the account, but the website is down due to the cyber attack. I also can not reach anyone on the phones, as the phone line is down. This problem has been ongoing for multiple days and after further research, in seems NOBODY with this loan servicer can access their account or speak to anyone to get any solid answers about ANYTHING. 

I need this company to get their website back up and running, get their phone lines back in order, and honor my husband 's request to add me as a user so I can manage our mortgage and make sure our escrow account is paid up to date and on time before the new year. I REFUSE to pay a higher mortgage payment come XXXX due to not being able to get this issue rectified with the mortgage servicer. If anything, my mortgage payment should be going DOWN since switching to cheaper insurance, not increasing by $ XXXX because of their mess up and inability to be communicated with.
Consumer complaint received 2023-11-28
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.
Consumer complaint received 2019-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (FL)

I am writing to request your help with correcting the information Citibank reports to the credit bureaus. In XX/XX/2015, Citibank reported to the credit bureaus the following status : " Account included in Bankruptcy ... Closed by Credit Grantor ... '' At that time I explained to Citibank that I had never filed bankruptcy and asked that the credit card account ( XXXX ) be restored to good standing it was in before XX/XX/2015.  Citibank has failed to provide proof of a bankruptcy petition being filed, despite repeated requests. Citibank has maliciously ignored all requests to correct the derogatory information they continue to report every month to the credit bureaus and is in direct violation of the FCRA. This account is being reported as " Failed to pay '' which is wrong. This account was in good standing until XX/XX/2015 when Citibank closed the account. This action against me by Citibank has been going on for 4 years! This action by Citibank is unfair and extremely damaging. Credit reporting companies sell the information contained in the credit reports to creditors, insurers, employers, etc and it is used to evaluate applications for credit, insurance, etc. It is incumbent on Citibank to make sure the information it reports is accurate as the inaccurate information has had, and continues to have, a detrimental affect on my ability to get credit, insurance and even a job.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Nelnet, Inc. (OH)

This is my second complaint on this company the information on my XXXX consumer report is not valid, its inaccurate it states I was current and up to date on the month of XX/XX/2019, XX/XX/2019 And XXXX XXXX How was I 90 days pass due on the month of XXXX? If I was current those months before XXXX of 2019 The documents I submit shows the same thing on my credit report on all 13 accounts shows I was on time then all of a sudden there is a 90 late payment I also included copies from my XXXX account where it states I was on time 100 percent My credit is very important to me and the fair credit act states that all my information must be accurate and correct.. I am requesting that nel net update date my consumer report to paid on time, never late just like my XXXX account states.. should they both read the same thing?
Consumer complaint received 2023-11-28
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. (NC)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-28
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. (AR)

I am writing to urgently request your immediate intervention in addressing a critical issue concerning fraudulent items on my credit report, despite multiple unsuccessful attempts to rectify the situation. The gravity of this matter requires prompt action to safeguard my financial standing and protect against further damage. 

Despite submitting disputes, the fraudulent items on my credit report persist, causing significant distress and compromising my ability to make informed financial decisions. 

Attached to this letter, you will find supporting documentation, such as police reports, identity theft affidavits, and any other relevant evidence, to substantiate my claim and facilitate an expedited resolution. 

I am well aware of the Fair Credit Reporting Act ( FCRA ) requirements for prompt investigations and removal. Therefore, I urge you to prioritize the removal of these fraudulent items from my credit report, identify and address any obstacles preventing resolution, and provide me with regular updates on the progress of the correction process. 

In addition, I request that all relevant creditors and parties involved be promptly notified of the fraudulent nature of these items and that necessary steps are taken to expedite their removal. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX Balance Owed : {$6800.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$10000.00} XXXX XXXX XXXX Balance Owed : XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$6800.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$10000.00} XXXX XXXX XXXX Balance Owed : XXXX.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I am writing to express my deep concern and frustration regarding the presence of fraudulent items on my credit report and the multiple unsuccessful attempts to have these items promptly removed. The nature of this matter is urgent, and I am seeking immediate resolution to mitigate any further damage to my financial standing. 

I have previously submitted disputes regarding the fraudulent items on my credit report, and despite my efforts, these items persist. This situation is not only causing undue stress but is also adversely affecting my credit score and financial reputation.

The fraudulent items in question include inaccurate names,, addresses, late closures and inquiries. I have attached supporting documentation, including police reports, identity theft, and other relevant evidence, to substantiate my claim and facilitate a swift resolution. 

I understand the Fair Credit Reporting Act ( FCRA ) mandates a timely investigation and resolution of disputes, and I am disappointed by the apparent lack of progress in rectifying this situation. I request your urgent attention to this matter and immediate action to expedite the removal of these fraudulent items from my credit report. 

Given the repeated attempts to address this issue without success, I request a thorough review of my case to identify any obstacles preventing the timely resolution of this matter. Additionally, I insist on receiving regular updates on the progress of the investigation and removal process. 

I expect that all relevant creditors and parties involved be promptly notified of the fraudulent nature of these items, and the necessary steps be taken to ensure their swift removal from my credit report. 

As a consumer, I rely on the accuracy of my credit report to make financial decisions, and the presence of fraudulent items compromises my ability to do so. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX DEPT OF EDUCATIONXXXX XXXX Balance : - DEPT OF EDXXXX XXXX Opened XXXX XXXX XXXX Balance XXXX $ XXXX/previously late open XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX  AR XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXXXXXX XXXX  Balance : XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXXXXXX XXXX XXXX Balance : XXXX DEPT OF ED/XXXX XXXX  Opened XXXX XXXX, XXXX Balance : $ XXXX/previously late open XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

Firstly, I want to stress the vital importance of adhering to FCRA Section 602 ( 15 USC 1681 section 602a ), which underscores the duty of consumer reporting agencies to maintain fairness, impartiality, and an unwavering commitment to safeguarding consumer privacy. Additionally, I firmly assert my rights guaranteed under 15 USC 6801, which ensure that my personal information is protected by financial institutions acting as suppliers of data to credit agencies. I have expressed directly to these companies that I would not like my non-public information shared.

My primary concern revolves around the sharing of my information without explicit written consent. FCRA Section 604a ( 2 ) explicitly dictates that consumer reporting agencies are only authorized to provide reports upon receiving written instructions from the consumer. I do not believe I have given any consent to share my personal information and I hereby retract any implicit or verbal consent previously extended to entities like Equifax, XXXX, XXXX or other information furnishers to credit agencies. 

The reporting of adverse items without proper authorization is deeply troubling. According to 15 USC 1681C ( a ) ( 5 ), it's explicitly prohibited to report adverse information without explicit permission. It seems this regulation might have been violated, necessitating immediate attention and corrective action. Evidence of multiple items that are marked derogatory.

Moreover, the breaches of reporting laws outlined in 15 U.S. Code 1681s2 ( A ) ( 1 ) and 15 U.S. Code 1681e cast significant doubts on reporting agencies ability to uphold reasonable procedures. These infractions severely undermine the trust and confidence that should be placed in the accuracy and integrity of reported information. 

Lastly, I formally exercise my right to opt out of your reporting services here with CFPB as witness, as provided by 12 CFR 1016.7. It's imperative that my opt-out request is promptly acknowledged and actioned upon with the immediate removal and deletion of all stored data involving XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Suttell, Hammer & White, P.S (WA)

As a debtor to Suttell & Hammer, I feel compelled to share my experiences with this firm, which have been significantly troubling and warrant attention from the Consumer Financial Protection Bureau ( CFPB ). 

Lack of Communication : My primary grievance involves the firm 's consistent failure to respond to my communications for an extended period of over three months. Despite being a responsible debtor who has regularly met payment obligations, my attempts to engage with Suttell & Hammer have been met with silence. This lack of response has been particularly distressing given my current medical condition, which includes a XXXX XXXX requiring immediate attention and further treatment. 

Inappropriate Disclosure of Personal Information : Adding to my concerns is the firm 's handling of my personal information. Suttell & Hammer have engaged in conversations about my personal details with third parties without my consent. This not only raises serious privacy concerns but also reflects a disregard for professional ethics and client confidentiality. This includes searching for my and talking to friends to then suing my in court. 

Legal Concerns : The firm 's conduct does not align with the professional standards expected within Washington State 's legal framework. The disparity in their responsiveness and their unapproved sharing of my personal information are major red flags that question their adherence to ethical legal practices. 

Urgent Need for Corrective Measures : In light of these issues, I strongly urge Suttell & Hammer to take immediate action to rectify their approach. Their current practices fall short of the professionalism and respect that clients rightfully expect from a legal firm. 

I have taken steps to bring these issues to the attention of the XXXX XXXX XXXX the Washington State Bar Association, and XXXX XXXX for further investigation. Moreover, I believe it is critical that the CFPB is made aware of these practices, which may be indicative of broader systemic issues within the firm. 

Conclusion : My experience with Suttell & Hammer has been deeply unsatisfactory and distressing. I hope that by sharing this review, necessary steps will be taken to address these serious concerns and to ensure that future clients do not face similar challenges.
Consumer complaint received 2023-11-28
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY (MI)

I applied for and was approved for a Wells Fargo XXXX card on XX/XX/2023. 
A month later I have not received the card which I was told has a limit of {XXXX} and a balance transfer offer of XXXX XXXX XXXX XXXX XXXX 
Immediately upon being approved I attempted to conduct a balance transfer. The app gave me less than XXXX XXXX  to provide the balance information including account details. By the time I started entering it, the screen closed and that offer was no longer accessible on the app. 
I called asking to process the transfer and was told no transfers are allowed until I receive my card and that the clock for the XXXX XXXX  began on the day I was approved. Due to this rule, and their unwillingness to provide me with the card in a timely manner, the offer that enticed me to obtain the card is no longer fully available to me. 
This seems more of a pattern than an exception.
Consumer complaint received 2023-11-28
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. (VA)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX