davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WSFS FINANCIAL CORPORATION (NJ)

Dear WSFS, Thank you for your attached response letter dated XX/XX/2021 to CFPB Complaint # XXXX. 

What is the basis for your advisement as to the Counsel of the Trust, XXXX XXXX XXXX XXXX being : XXXX XXXX of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Thank you for the information to the link regarding the role of the Trustee. 

The Role of the Corporate Trustee As Trustee, WSFS has the following responsibilities : Holds an interest in the mortgage loans for the benefit of Investors Does not initiate, nor has any discretion or authority in the foreclosure process Does not have responsibility for overseeing mortgage Servicers Does not mediate between the Servicer ( s ) and Investors in securitization deals Does not manage or maintain properties in foreclosure Is not responsible for the approval of any loan modifications All Trustees for XXXX transactions, including WSFS, have no advance knowledge of when a mortgage loan has defaulted. Trustees on XXXX transactions, while named on the mortgage and on legal foreclosure documents, are not involved in the foreclosure process The Trustee does not have an economic or beneficial interest in the loans and has no authority to manage or otherwise take action on the loans, which is reserved for the Servicer. 

The link you provided reads as follows : The Role of the Corporate Trustee As Trustee, WSFS has the following responsibilities : Holds an interest in the mortgage loans for the benefit of Investors Does not initiate, nor has any discretion or authority in the foreclosure process Does not have responsibility for overseeing mortgage Servicers Does not mediate between the Servicer ( s ) and Investors in securitization deals Does not manage or maintain properties in foreclosure Is not responsible for the approval of any loan modifications All Trustees for XXXX transactions, including WSFS, have no advance knowledge of when a mortgage loan has defaulted. Trustees on XXXX transactions, while named on the mortgage and on legal foreclosure documents, are not involved in the foreclosure process The Trustee does not have an economic or beneficial interest in the loans and has no authority to manage or otherwise take action on the loans, which is reserved for the Servicer. 
What authority if any does WSFS, D/B/A XXXX not in its Individual Capacity But Solely as Trustee for the XXXX XXXX XXXX XXXX have under the Trust Agreement. 

Please advise. 


Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (TX)

On XX/XX/year>, I received an email notice that my FICO score decreased by XXXX points. I logged into my Experian account to see why. There was NO new debt or derogatory information added to my account for me to see. 

I called Experian customer service on XX/XX/year>, for an explanation, and was told " Your credit score is determined by the information sent to us and we can not change that information ''. 

According to the documents I've attached, my debt has decreased and there is NO derogatory data submitted. There is NO reason for a XXXX drop in credit score.
Consumer complaint received 2022-01-31
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

My consumer rights have been violated. Pursuant to 15 USC 1681 ( a ) ( 1 ) The banking system is dependent upon my consumer reports being fair, and accurate to me. You allowing insccuracies to be furnished on my consumer reports has caused me to lose confidence in the banking system, and as a result I will no longer be extending my credit to anyone, nor will i allow you to furnish a report on my behalf as a result. If you would like to continue to do business with me I am demanding that you do what I say Immediately! You have not followed the procedures when preparing my consumer report pursuant to 15 USC 1681e ( b ) Credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy. These violations results in {$1000.00} in damages for each violation I find if my demands are not met. Remove all derogatory items on my credit file listed in my documents attached or be civil and criminal liable pursuant to 15 USC 1681n and 15 USC 1681o of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

Subject : Formal Complaint Against Experian for Failure to Comply with FCRA and Inaccurate Reporting Dear Sir/Madam, I am writing to formally file a complaint against Experian for failure to comply with the Fair Credit Reporting Act ( FCRA ) rules, specifically regarding fair and accurate reporting. I have encountered several issues with inaccurate information reported on my credit report, despite multiple attempts to resolve them. 

Details of Complaint : Inaccurate Reporting of XXXX XXXX ( XXXX ) Account : One particular account with XXXX XXXX XXXX XXXX XXXX ( XXXX ) is being reported inaccurately. Although I have disputed this with Experian, the investigation was deemed " accurate '' by Experian. However, another account with the same creditor and reporting the same inaccurate information was removed from my report. This raises serious questions regarding the consistency and fairness of the investigation process. 

Inconsistent Results : Upon inquiry, Experian informed me that the discrepancy between the two accounts was due to RBFCUs involvement, but XXXX confirmed that they did not validate one account and validated the other. This inconsistency raises concerns about the integrity of Experians investigation processes and decision-making.

This situation has caused significant harm to my credit profile and, consequently, my financial well-being. I believe this demonstrates a failure by Experian to uphold its responsibility under the FCRA to ensure the accuracy and fairness of the information it reports. 

Requested Resolution : I kindly request that the CFPB conduct a thorough investigation into this matter and provide me with the results. Additionally, I seek compensation for the financial losses I have incurred as a result of this inaccurate reporting and mishandled investigation process. 

I would appreciate your prompt attention to this matter and look forward to your response. Should you need any further information or documentation to assist with the investigation, please do not hesitate to contact me.
Consumer complaint received 2022-01-31
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

Specialized loan servicing bought my 2nd mortgage in XXXX of XXXX. XX/XX/XXXX I made my first payment to them after setting up online account and everything was fine. On XX/XX/XXXX I went online to see what my payment amount was and noticed that there were outstanding fees and charges in the amount of XXXX. 
I called on that date to report the error and was given a ticket number ofXXXX, and told it would take until XX/XX/XXXX to investigate. I called again on XX/XX/XXXX and was told that they were still looking into the matter and they were expediting the issue. I asked repeatedly to speak with a supervisor as I am scheduled to close on this property in a matter of a few days. That same day I received from them 2 phone calls not from a supervisor. No one has any information. I offered to send my last payment statement from the previous service to show there were no outstanding fees or charges. I am at a loss as to how to handle this. When I call I get nowhere and I am going to have to pay these fees because I am closing in a matter of days. Any help you can give me is greatly appreciated. Thank you
Consumer complaint received 2022-01-31
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

TRANSUNION continues to inaccurately report XXXX  information on my credit profile. I have pointed out several inaccuracies on this account to the credit bureau. I have yet to receive a response back and I'm certain no reasonable procedures were conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts on my report. How can a disputed be resolved if no human being is actually looking at the obvious inaccuracies i continue to point out to them all. Using a computer to electronically review my dispute is unacceptable. How can they possibly resolve the disputed account if no reasonable procedure was performed? It is a violation to my rights to claim that an account has been resolved if it's not reporting 100 % accurate. TransUnion reports that the account was opened XX/XX/XXXX, XXXX reports it was open XX/XX/XXXX and XXXX reports it was open XX/XX/XXXX. Those are clearly different dates. How is it possible the account was opened on both? Also TransUnion reports the last date of activity as XX/XX/XXXX, XXXX reports it as XX/XX/XXXX and XXXX reports it as XX/XX/XXXX. How could this be possible? This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion. I want this account deleted immediately.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.
Consumer complaint received 2023-09-11
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: EQUIFAX, INC. (MA)

Hello my name is XXXX XXXX I am trying to buy a house and I realize that I have damages on my credit report. According to the 15 usc 1681 law, there should not be any damages on my credit report. Is a defamation to my character. I have reached out to all the companies and they are giving me the run around so Im asking please can cfpb help me with this problem
Consumer complaint received 2022-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ACIMA CREDIT, LLC (MI)

Acima Credit XXXX Simple XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXXXXXX phone number XXXX. Opened a fraudulent account in my name with fake address and phone number. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Phone number XXXX and birth year XXXX.
Consumer complaint received 2022-01-15
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: CITIBANK, N.A. (IA)

I have tried numerous times to communicate with Citicards CBNA regarding a listing on my credit report that is not mine to no avail. They continue to report a {$21000.00} balance to my bureaus of which I know is not mine. They refuse to send me copies of signed credit agreement or purchases.
Consumer complaint received 2021-09-02
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: JPMORGAN CHASE & CO. (NJ)

I have an account with Chase credit card # XXXXXXXX XXXX XXXX XXXX.I noticed multiple fraudulent charges made totaling around {$19000.00}. One of the main indications that these charges were not made by me is that some of them happened at non-kosher establishments ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX amongst others ) .I strictly observe XXXX, and would not eat or take food to go that do not have certified XXXX certifications. There were also large charges made at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX and some clothing stores ) I tried disputing this with Chase explaining that I did NOT make those charges. I called numerous times but they gave me the runaround. As of yet they still claim I owe them {$19000.00}. 
I met with a Chase representative who agrees that these charges should be dropped. His contact info : XXXX XXXX XXXX ( officer ) XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX cell : XXXX office XXXX
Consumer complaint received 2022-01-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION (FL)

XXXX XXXXXXXX XXXX  FRAUDULENTLY COLLECTED MY INFORMATION WITHOUT MY CONSENT AND IS FORCEFULLY TRYING TO MAKE ME PAY THEM A DEBT THAT I DO NOT OWE TO THEM FOR AN ESTIMATION OF ABOUT 2 YEARS. I SENT OUT A DISPUTE LETTER IN ACCORDANCE WITH REFERENCE, REGULATIONS OF THE FCRA, CFPB, FTC AND HIPPA LAWS AND CONSUMER RIGHTS ; AND NEVER GOT A RESPONSE BACK FROM THEM. I NEVER GAVE THIS XXXX  AUTHORIZATION NOR CONSENT TO MY PERSONAL INFORMATION. NOR DID I SIGN ANY CONTRACT WITH THIS SAID XXXX  TO PAY ANY DEBT TO THEM. ALSO, IT APPEARS TO BE HIDDING BEHIND THE SHADOWS OF NAVY FEDERAL CREDIT UNION. THEY ARE NOT REPORTING ON MY CREDIT REPORT BUT INSTEAD REPORTS DISCRETELY TO XXXX XXXX XXXX XXXX ( XXXX ), XXXX, XXXX, XXXX ( RECENTLY MERGED ) AND SENDS OUT LETTERS TO ME WHICH IS MISREPSENTATING AND IMPERSONATING AS AN ATTORNEY FOR NFCU FRAUDULENTLY TRYING TO DOUBLE DIP ON A DEBT NOT OWED TO THEM. NAVY FEDERAL WROTE THIS OFF DUE TO HARDSHIP AT THE TIME MY MOTHER WAS XXXX AND I WAS GOING THROUGH A BAD DIVORCED AND LOST EVERYTHING.
Consumer complaint received 2024-10-18
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: Experian Information Solutions Inc. (TN)

XXXX XXXX XXXXSeveral hard inquires on my credit report not authorized by me nor did I every request XXXX XXXX XXXX XXXXXX/XX/XXXX I have several requests for these to be removed and they are still listed on all my credit reports.
Consumer complaint received 2023-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (MA)

On XX/XX/23, I was notified that my Choice Privileges Visa card with Barclays would convert to a Choice Privileges Mastercard with XXXX XXXX on XX/XX/23. On XX/XX/23, I mailed the attached cashier 's check in the amount of {$8600.00}, with the attached XXXX statement to Barclays. On XX/XX/23, the cashier 's check cleared my bank, but was not credited to my account prior to converting to XXXX XXXX on XX/XX/23. The attached May statement from XXXX XXXX for the period XX/XX/23 to XX/XX/23 does not reflect the $ XXXX made to Barclay on XX/XX/23, and includes additional interest.
Consumer complaint received 2021-09-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (GA)

I applied for a refinance with my existing lender Mr. Cooper. From XXXX to XXXX, Mr. Cooper became unresponsive and would not respond to my inquiries via email or telephone. I did not go forward with them, as I realized that they are a horrible company. However, I paid for an appraisal that came in low. I applied for a refinance with my original local lender and we were set to close XX/XX/21, but Mr. Cooper has refused to send the .xml version of the appraisal or the receipt that I paid for the appraisal to my new lender. The FHA requires the use of any appraisal taken within the last 6 months. I can not get this resolved and I can not close on my refinance without these documents. Please help me.
Consumer complaint received 2022-01-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

To whom it may concern ; I am writing in regard to the above referenced accounts and transactions. 

This is not a refusal to pay, but a notice that this account is disputed. 

Under the laws of the ( State of Iowa ) UCC 9.506 and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 

Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle.
Consumer complaint received 2022-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (NJ)

Truist Bank is horrible. 

I opened the checking account in XX/XX/2022 and transfer {$2200.00} from my other bank. As soon as the deposit is done, the bank has blocked me says Truist needs my verification. They said i have to go to the branch which makes me drive 2 hrs from my house. I brought my drivers license and proof of address to the branch to show my identity. It has been 3 weeks and nothing resolved. I still can not get my {$2200.00} out from Truist.
Consumer complaint received 2024-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION (NC)

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for
Consumer complaint received 2022-01-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I disputed with Transunion on XX/XX/2021 via their online portal and I wrote and mailed a letter to Transunion on XX/XX/2021 letting them know that they were inaccurately reporting information regarding 15 accounts that they listed under my name and providing information about the inaccurate accounts. Accounts : 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 I received a letter from them XXXX XXXX stating that they needed additional time to process the dispute and that it would be done by XX/XX/2021. I did not receive a response from them. On XX/XX/2021, I sent another letter asking them to remove the accounts as per the FCRA, they have 30 days to reply and even with the additional time they requested, my dispute still had received no response. My request asking them to remove the accounts due to them failing to comply with the FCRA and correct the matter and mail me a response was delivered to them on XX/XX/2021. I have not received any additional information regarding this dispute or my follow-up stating I had not received any information from them regarding this matter and that I wanted the accounts removed.
Consumer complaint received 2021-09-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NY)

Wells Fargo has denied a recast of my current mortgage, citing my participation on the COVID deferral program. Wells Fargo claims that this is a decision of the " investor '' namely, XXXX XXXX, and not a Wells Fargo decision. I have offered to pay off the deferral amount in full. They say this will not change the policy, that I am no longer allowed to recast the mortgage.
Consumer complaint received 2023-09-11
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.