davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-21
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 (TX)

It saddens me that Wells Fargo is stalling when it comes to dealing with my complaint. In complaint XXXX reminded Wells Fargo of our agreement back in XX/XX/XXXX where I agreed to give them a lumpsum of money, {$1500.00} to be exact, in exchange that they would remove all negative information regarding this account and they DID NOT keep their word which is against the FDCPA. Instead of Wells Fargo addressing my complaint they say that they have opened a case and asked me to supply information to help them Identify me. The case number they gave me is XXXX. 
What I find disgusting is Wells Fargo said they couldn't identify me. In my Complaint I submitted the documentation that is requested by the FTC for identifying purposes, Wells Fargo is blatantly ignoring my request. This is not my SECOND complaint in the CFPB and if this isn't handled properly I will move forward. Now to show that I am in complete compliance with getting this resolved I will be supplying again the information Wells Fargo is requesting. 
My name is XXXX XXXX, the account I am referring to was closed almost 3 years ago so I do not have the whole account number but it is listed on my report as XXXX, the last four digits of my SSN is XXXX. 
We agreed almost 3 years ago that I would give you all a lumpsum of money in exchange that you all would remove all negative information from my report. I kept my agreement and yet you all continue to report negative information regarding this account. I am asking that Wells Fargo either refund me {$1500.00} or remove all negative information from my account which is what we agreed would happen.
Consumer complaint received 2023-01-21
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. (NY)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
4. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
7. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
8. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
9. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
10. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account.
Consumer complaint received 2022-08-04
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. (NJ)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX. XXXX  XXXX Account # XXXX 30 days late on XX/XX/XXXX2019, and 60 days on XX/XX/XXXX2019. 

XXXX. XXXX XXXX # XXXX 30 days late in XX/XX/XXXX2020, and XX/XX/XXXX2021. 

XXXX. XXXX Account # XXXX 30 days late in XXXX 2019, 60 days in XXXX 2019, 90 days in XXXX 2019, 30 days late in XXXX 2020, 60 days in XXXX 2020, and 90 days in XXXX 2020.
Consumer complaint received 2023-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (GA)

I received a copy of my credit report regarding DISCOVER BANK ACCOUNT # XXXX and noticed some errors with this account. You all are reporting to the bureaus late payments for the XX/XX/2020 which is inaccurate. I have my payment stub for this month and the account was paid on time as agreed per contract at the opening of this account. 
Please update this information and provide to all three creditors as well myself via mail to the address above. If you decide to validate my claim as false, please provide physical evidence proving otherwise. 
Let me remind you per FCRA 623 you are required to correct inaccurate data provided to the bureaus on my report and provide any relevant information proving otherwise. Please recheck this information and report the updates as necessary. 
Please send correspondence via mail regarding the changes.
Consumer complaint received 2020-11-18
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: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$11000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

2. XXXXXXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account.
Consumer complaint received 2020-11-04
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: EQUIFAX, INC. (TN)

I'm very frustrated and highly upset. I've been trying to reach this bureau for their investigation results with no response. I've sent letter via certified mail dated XX/XX/2020, XX/XX/2020, and XX/XX/2020. It has been well over 60 days and this is not right. Please send the results of the investigation immediately!!!!!!
Consumer complaint received 2021-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (NH)

Chase wrongfully reported 30 day late fro XX/XX/XXXX. Payment on XX/XX/XXXX and posted on XXXX for the total of {$400.00} was paid for the amount due in XX/XX/XXXX {$200.00} and XX/XX/XXXX for {$200.00}. Chase DID NOT POST PYAMENTS CORRECTED AND AS REQUESTED. INSTEAD OF APPLYING THEM FOR 2 MONTHS THEY POSTED IT ALL FOR XXXX, AND NEVER CALLED EMAILED OR CONTACTED ME IN XXXX FOR THE PAYMENT THUS I ASSUED IT WAS ALL PROCESSED CORRECTLY. Later I can't to find out they reported a 30 day late damaging my credit for XX/XX/XXXX. I have been arguing with Chase trying to resolve this matter to no avail ... Please help correct this injustice. 
I spoke with XXXX in the CBSU on XX/XX/XXXX at XXXX ET - the call lasted 1 hour and 1 minute. The CBSU does not provide employee numbers or Last Names and said that the call date and call time in conjunction with my account number would be sufficient as the account notes are clearly documented.. I also spoke with XXXX in the CBSU this morning XX/XX/XXXX at XXXX ET for 28 minutes. This call was also recorded. I'm also attaching my bank statement which shows the XXXX payment being withdrawn from my account on XX/XX/XXXX. 

I would like to assert that the payment I was required to make on XX/XX/XXXX included both XXXX and XXXX 's payment for XXXX - and I would like Chase to prove ( or disprove ) that. I firmly believe that there is a bank error in the crediting of my payment and that I was clearly under the impression that my XX/XX/XXXX payment include the XX/XX/XXXX payment for XXXX and the XX/XX/XXXX payment for XXXX ( paid early ).
Consumer complaint received 2020-11-04
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: SYNCHRONY FINANCIAL (AR)

On XX/XX/20 I called to pay off my account. They told me {$520.00}. I paid the total amount and closed my account. Then about 2 months later got a bill for {$250.00}. I called them numerous times and gave them my confirmation on the payoff transaction which is, XXXX. They informed me they would investigate the phone transaction and get back with me. I never heard anything back. Then I find out they turned it in on my credit report. When I paid it off i ask twice if that was the total payoff and she said yes. I am not paying this bill that they have created after my account was paid in full. They have the phone recording on that transaction that they can review.
Consumer complaint received 2020-07-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HOMESTAR FINANCIAL CORPORATION (GA)

Here 's a copy of what was sent to Homestar Financial : To whom it may concern. 
I am deeply troubled by the lack of communication and unacceptable service received since refinancing my home. 

For some unknown reason, Homestar did not process the approved payment for the XXXX premium. Subsequently, I received an unfortunate letter re Foreclosures and the need to make immediate payment for two months premiums. 

The document received did not acknowledge errors made on behalf of Homestar, yet fully placed the blame on the consumer. 

As a result of these oversights by Homestar, my credit reports, as well as my wife 's, have been inaccurately reflected to show missing payments for XXXX and XX/XX/2020. 

Here 's the email I sent to Homestar asking for an explanation on XX/XX/2020 - to which I've had no response as of this message. Please review the details provided. 

To summarize, on XX/XX/2020 Homestar confirmed autopayments would be made effective XX/XX/XXXX, XXXX. 

Homestar has quite a few issues to correct, especially regarding the inaccurate reporting on the credit reports for both myself, as well as my wife. 

I look forward to your immediate response, to include a plan of action that addresses each issue Sincerely, NAME The XXXX email and attachment is listed below : CC : XXXX XXXX XXXX Consumer Financial Protection Bureau ACCT Concerns - LOAN # XXXX Mon, XX/XX/2020 at XXXX XXXX To : XXXX URGENT MESSAGE Please see the information on your website regarding my monthly payment. My monthly payments are $ XXXX.I enrolled in AutoPay XX/XX/2020. It was to become effective XX/XX/2020, as stated on the confirmationletter I received ( attached for your reference ). 
Why in the world am I seeing a payment due date of XX/XX/2020? 

ot only was the XXXX payment made, I did everything requested to have the monthly payment deductions begin XX/XX/2020 - per confirmation from Homestar. 
This is of great concern to me, and I appreciate a thoroughreview to better understand what's happened - or what I've done wrong. 
Sincerely, NAME
Consumer complaint received 2023-01-21
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. (TX)

This letter is being sent to you in response to the account furnished in my Report. When asked, your office replied that the dispute regarding the validity of the debt is not raised within the prescribed time period therefore, the same is furnished in your Report. According to 15 USC 1692a. ( 5 ) The term " debt '' means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. Further according to 15 USC g. ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer Therefore, I would like to inform you that this debt is not valid and my failure to dispute the validity of the debt will not amount to an admission of liability. I further request you to kindly remove this alleged debt from my Report Thank you for your cooperation Sincerely XXXX XXXX
Consumer complaint received 2020-09-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NE)

XX/XX/XXXX - Navient shows full funds were disbursed to XXXX XXXX XXXX for a 2 year degree in XXXX  XXXX. The actual date of attendance would have been in XXXX XXXX XXXX. The full course XXXX XX/XX/XXXX - XX/XX/XXXX ) was not completed, at less than 50 percent attendance. XXXX falsified their records showing that I had attended beyond 60 percent attendance. This was revealed by Navient on XX/XX/XXXX. 
XX/XX/XXXX - XXXX closed all for profit locations. 
XX/XX/XXXX - I sent a letter stating all pertinent facts regarding the education I did not receive from XXXX XXXX XXXX, however was being forced to pay for. This included employment - only available through temporary agencies though this is not what was promised at the time of entering, the closing of the school and therefore their credentials were no longer being accepted, after several attempts to obtain loan documents ( XX/XX/XXXX,, all that could be provided was the signatory page, an attempt was previously made to complete the coursework online prior to the closing, however was told that I needed to start all over and pay again. 
XX/XX/XXXX - I contacted the Department of Education and they forwarded me to the Federal Student Aid Ombudsman Group. 
XX/XX/XXXX - I contacted the Nebraska Attorney General 's Office. They forwarded me to the Department of Education. 
XX/XX/XXXX - I contacted the Office of the Customer Advocate for Navient. They suggested I seek legal counsel regarding the handling of my account and loans. 
XX/XX/XXXX - Borrower Defense to Repayment application submitted to Navient. 
I have received XXXX emails, both dated this year, that state that I do not qualify. 
XX/XX/XXXX - I applied for an income sensitive repayment plan due to the inability to make payments, but was told that I must pay the interest which amounted to $ XXXX. In XXXX, my payments were entered into forbearance without my consent and are set to resume XX/XX/XXXX at the amount of $ XXXX. 
I could not seek work outside of the home due to the major medical needs of my youngest son. This has never been taken into consideration. Due to spending a majority of his life being hospitalized, I will never put this student loan above his medical or medication needs.
Consumer complaint received 2023-01-20
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. (PA)

I AM WRITING TO DELTE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT YALL REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AFFIDAVIT!
Consumer complaint received 2020-09-14
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: EQUIFAX, INC. (TX)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

There are several items reporting incorrectly on my credit file. Please remove the following items : Incorrect Personal Information : Name : XXXX XXXX ( XXXX  ) Name : XXXX ( Equifax ) Address : XXXX XXXX XXXX XXXX ( XXXX  & Equifax ) Address : XXXX XXXX XXXX ( XXXX  & XXXX  ) Address : XXXX XXXX XXXX ( XXXX  & Equifax ) The following account status is incorrect : XXXX XXXX - Open Date : XX/XX/XXXX ; Bal : {$11.00} ( Equifax, XXXX, XXXX ) ; I was never late. 

The following items are reporting as a result of Identity Theft : XXXX  - Date Open : XX/XX/XXXX ; Bal : {$240.00} ( Equifax ) XXXX XXXX ( XXXX ) - Date Opened : XX/XX/XXXX ; Bal : {$520.00} ( XXXX & Equifax ) Please remove unauthorized inquiries from my credit file : XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 4 Times ) 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 ( 3 Times ) XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NM)

In XX/XX/XXXX we were behind on our mortgage because of a loss of employment. We were able to sell our home and the title records show we sold our home. Earlier this year we got a construction loan and started building a home. We are getting close to completion and started working on the mortgage loan. We were turned down because at least one of the credit reporting agencies are reporting the mortgage as a foreclosure. In XXXX we contested this with XXXX XXXX ( XXXX  ) after learning about it when we tried to buy a car in XX/XX/XXXX. We have the letter from XXXX that states they started a foreclosure process in XX/XX/XXXX but it was not completed and the loan was paid in full after the sale in XXXX. We thought that the reporting was corrected. To start this home project we pulled money out of a retirement fund. We have been turned down by two lenders because " we had a foreclosure within the past 7 year ''. If we don't get a mortgage by the time the construction is complete and loan is due, we will loose this house and the XXXX we invested from our retirement. We have records of the sale, the county assessor shows the sale, yet we stand to loose everything because Experian is reporting this as " foreclosure or repossession ''.
Consumer complaint received 2020-08-14
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. (NJ)

I bought 3 cars in the past months and the dealers Were running credit checks without my authorization. Calling Bank after the bank after bank hit after hit after hit. They destroyed my life. Theres over 60 hits
Consumer complaint received 2020-06-22
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. (LA)

I have talked to XXXX, Transunion, and XXXX  and have submitted all the proper documentation to show that I was a victim of identity theft and nothing has been fixed or removed from my credit nor have they responded. This is really impacting my credit score and personal life. I am a hard worker and trying to purchase a new home. The interest rates are down now due to COVID 19 and I would really like to qualify but can't until this is resolved. Please assist. Thank you!