davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MI)

Shellpoint Mortgage sent me a threatening letter that they would put forced place condo insurance on my home. I called them and supplied documentation showing that my home is not a condo. It is a single-family home. They documented the call and told me that they would resolve the issue and even sent me a confirmation email, a few weeks later I received another letter. I called again and was told I see your documentation here and we will get this fixed right away, another letter came, another call, another promise to fix. I said if this is not fixed after multiple calls and documentation provided to you, I will have to file a CFPB complaint, today I received a letter that the forced place insurance has officially been added to my mortgage. I live in a single family home with no homeowners association, so would not be able to obtain HOA insurance. This is unacceptable.
Consumer complaint received 2024-01-19
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. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-03
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (VA)

I am behind on my mortgage Payment and I plied for the Virginia Mortgage Relief. The whole process started around XXXX and both, PennyMac Financial Services and Virginia Mortgage Relief have not be able to communicate about my loan. I have suggested, for 4 months, for them to call each-other because their server communication is not working. When I call PennyMac they told that they email Virginia Mortgage Relief the B files sometimes on XXXX. When I called Virginia Mortgage Relief they said they have not received the file. But they have send several emails requesting the files, again. I called Penny Mac they said they have not received Virginia Mortgage Relief email. Every time I called they blaming each other and nobody is able to fix the problem. I have asked for a 3 ways call with both parties but PennyMac does not take third Party calls. It is clear that one of the company or both are having problems with their communication devices but nobody admitted. I am tired, I have call these companies more than 10 times. I need somebody help because they dont care what is happening with their server and the one not being help is me.
Consumer complaint received 2022-10-03
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: DISCOVER BANK (FL)

I have tried in many occasions and in different forms to contact the credit bureaus XXXX, XXXX and XXXX to request an investigation of inaccuracies and incomplete information on accounts that are untrue, unverified, incorrect, incomplete, untimely, not mine not my responsibility.. according to the FCRA they are required to promptly DELETE all the information that is inaccurate, incomplete or which can not be verified accordingly. Im now enacting my consumer and civil rights to compel you to annul with permanent deletion of the derogatory accounts allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine not my responsibility. the accounts in question are as follow : Bank XXXX XXXX Account XXXX Bank XXXX XXXX Account XXXX Discover Bank Account XXXX XXXX Bank Account XXXX XXXX Account XXXX
Consumer complaint received 2023-12-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A. (GA)

This is going to far. It is going on week 3 now. My account is still in suspension and no one seems to be able to answer any questions. XXXX XXXX called me and left a message letting me know that I needed to call her and I did several times and she never returned my call. I have been speaking to a XXXX XXXX who is a case manager who has absolutely did nothing. She called me to tell me that she received and email from XXXX on last Friday XX/XX/XXXX and that she believed it would be have an answer by this Monday which was yesterday XX/XX/. As of right not all my bills can not be paid because they have my funds on lockdown. Checks have bounced and my business is put on hold because they cant handle a large amount of money or their holding my funds for no reason. I have the release showing that the IRS released the money transfer to me and the bank " XXXX XXXX tax accountants at the bank told me when I called that they released the check two weeks ago and that PNC never called them for clearance. I want them release my funds or give me an explanation as to why they haven't. This is insane.
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX REMOVE THIS NOTICE FROM MY CREDIT REPORT. I DONT HAVE A TRANSPORTATION SERBVICE THESE NAME VARIATIONS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2023-12-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

I am writing to express my profound distress and frustration regarding the extended period of over a year during which I have received no response to my claims of identity theft from your bureau. 

The weight of this ordeal has grown increasingly burdensome as each day passes without resolution. My attempts to seek justice and protection against the heinous crime of identity theft have gone unanswered for an inexcusable length of time. 

It is deeply disheartening to think that despite my diligent efforts to provide the necessary documentation and follow your bureau 's guidelines, I remain in a state of distress, insecurity, and uncertainty. The toll this has taken on my financial stability and emotional well-being can not be overstated. 

XXXX XXXX I expect a written acknowledgment of this dispute letter and a commitment to investigate my identity theft claims thoroughly and promptly. The law mandates a timely response, and I insist that your bureau fulfils these legal obligations without further delay.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I am writing to formally dispute the bankruptcy proceedings currently underway in my name, which I believe have been conducted in violation of the Fair Credit Reporting Act ( FCRA ) Section 15 US 1681E. I am also filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding these matters so they can help me get to the bottom of this inaccurate reporting on my consumer profile. 

XXXX. The following account was a Bankruptcy/Charge-off. Balance should be {$0.00} 15 usc 1681b permissible purpose. i never gave written permission to report this account on my credit report i never filed XXXX XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 

XXXX. The following account was a Bankruptcy/Charge-off. Balance should be {$0.00} 15 usc 1681b permissible purpose. i never gave written permission to report this account on my credit report i never filed XXXX XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 


- 15 US 1681E - Compliance Procedures I am deeply concerned about the accuracy and legitimacy of the bankruptcy proceedings in my case. It has come to my attention that the procedures followed may not be in compliance with the aforementioned federal statutes. As a result, I insist on a thorough investigation into the matter to rectify any potential errors or misconduct. 

Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. 

Obviously this BANKRUPTCY does not conform to the FCRA REGULATIONS by reporting a court name that reflects different variations. Please investigate and delete from my report. 

I request the following actions be taken : 1. Verification of Compliance : I demand a comprehensive review of the bankruptcy proceedings to ensure compliance with 15 US 1681E. This includes a meticulous examination of all documents, notices, and communications related to my bankruptcy case.

2. Expedited Investigation : Given the urgency and potential impact on my financial standing, I kindly request an expedited investigation into this matter. Swift resolution is crucial to preventing any further damage to my credit and financial well-being. 

In addition to disputing the bankruptcy proceedings, I am concurrently filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) against the involved parties for potential violations of consumer protection laws. 

I am confident that a thorough investigation will reveal any discrepancies and rectify the situation promptly.
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX REMOVE THIS NOTICE FROM MY CREDIT REPORT. I DONT HAVE A TRANSPORTATION SERBVICE THESE NAME VARIATIONS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2022-10-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

I received an email today XX/XX/2022 about my business account having a payment waiting, but a few minutes later I got another email stating that they needed verification for my identity. I logged in and gave them a copy of my license and my social I believe. I then am notified that my account has been permanently closed and that they will be holding any money in the account for 180 days. I tried to call them and the representative I spoke basically told me the same thing, and had no information regarding why this even happened in the first place.
Consumer complaint received 2022-10-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (TX)

In Accordance with the fair credit Reporting act XXXX  account Synchrony has violated my rights. 

15 USC 1681 Section 602 Stated 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 any purpose.
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation (FL)

I have wrote bridge crest letting them know that my account says open when it is closed and reporting on my credit report. I also advised Bridgecrest that formerly XXXX XXXX on XX/XX/XXXX of the incorrect balance and that it says closed and still showing up on my credit report. They verified as accurate. I also disputed this again on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and still no luck. This is really hindering my credit.
Consumer complaint received 2022-10-03
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: WELLS FARGO & COMPANY (NC)

Several fraudulent charges were made to my credit card. Wells Fargo contacted me because they noticed it. They did not pay for the charges ( small XXXX and XXXX charges ). They issued me a new credit card. This is all in XX/XX/2022. Then I saw XXXX of the fraudulent charges back on my new account. I contacted them and they said they received 'proof ' from XXXX and I asked for them to send that to me. When I received the tracking number I went to the post office and they gave me the address of where the XXXX business routers were delivered - this is not my address. I call Wells Fargo and they add this to my 'notes '. Unfortunately through all of this I really wonder who added notes and who didn't do a thing. They all read from the same script when talking to me. I have been to Wells Fargo branches and they are unable to help. I filed a police report. When I received the 'proof ' - it was NOT my email address or my XXXX account that was used and I then called back and provided them with this information. I also looked into IP addresses and this one was not mine. 
I did not make this purchase and I am not responsible for the XXXX charge and the interest charges. 
I have spoken to multiple people on the phone and via email. I have had to take time off of work to deal with this and this has caused me a great deal of stress and anxiety. 
I am incredibly distraught and upset and I do not owe Wells Fargo this money.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My application for an XXXX credit card was rejected based on a credit report from TransUnion that stated insufficient credit history. Upon contacting TransUnion they have refused to inform XXXX that TransUnion had completely screwed up my credit report and had XXXX reports under my name XXXX with no credit history and XXXX with a credit history. I have requested that TransUnion contact XXXX and submit the correct credit report and they have refused.
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

I have XXXX credit card accounts that are not minds and was open up in my name as fraud. I File an identity theft report and a police report. Here are the accounts : XXXX XXXX balance XXXX XXXX XXXX balance XXXX XXXX XXXX bank balance {$380.00}
Consumer complaint received 2023-12-06
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. (GA)

I am writing to urgently seek assistance regarding multiple unsuccessful attempts made to both my creditor and the credit bureaus concerning inaccuracies in my credit report. 

Despite my persistent efforts to rectify the issue, there are accounts listed as " charged off '' that continue to display an incorrect balance. As per my understanding of regulations, this discrepancy violates legal standards. Moreover, when I diligently pursued investigations with the credit bureaus, the responses received merely affirm the validity of these inaccuracies, without addressing the root cause These errors are significantly impacting my financial standing and credibility. I am reaching out to the Consumer Financial Protection Bureau in the hope of receiving guidance and support to navigate this frustrating situation. Your expertise and intervention in this matter would be immensely appreciated. 

I have documentation supporting my claims and am willing to provide any necessary information to facilitate a swift resolution. Your prompt attention to this matter would be invaluable in restoring accuracy to my credit report. 

I filed a dispute with XXXX XXXX XX/XX/2023 I filed multi with Experian maybe 2 each year and Thank you for your time and consideration. I eagerly await your guidance and assistance.
Consumer complaint received 2022-10-03
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Global Lending Services LLC (VA)

This company will like to you every set of the way!!! I financed a vehicle through them XX/XX/XXXX for XXXX by XX/XX/XXXX I totaled it. I had insurance and gap insurance on the vehicle which my insurance paid the XXXX by the end of XXXX. I was talking with them trying to get them to work with me because I had to purchase a new vehicle. They acted at first as if they were going to be helpful, but they weren't. I made what payments i could and in the end once they received all the insurance my it left me owning XXXX. I continued making payments they started calling even threatening to report to the credit agencies, which im like go ahead because im doing all i can and making payments. I spoke with another lady named XXXX around XXXX or XXXX about the account where i told her about the threats that were made as well as XXXX trying to make payments. She informed me that if i had the vehicle paid off in within 6 months of the accident that they would forgive all the late payments and take them off. Ok that's great!! She said it to me in XXXX different conversations we had that this would happen as long as i had it paid in full come XX/XX/XXXX. By XXXX they marked it as a charge off to which i called and asked why because i had been making payments, because at this point i only owed XXXX. I did not understand that at all since i had been communicating with them making payments, and they gave me a deadline to have it paid by. I had it paid in full prior to the end of XXXX they went in and changed my credit to paid, charged off which that wasn't what she said would happen. I called which i talked to a different lady who informed me they cant change credit reports, and i'm like I know what XXXX told me on the phone more than once and y'all need to pull those tapes. These companies sit up here and lie every set of the way and don't hold up their end of the bargain even though i did mines and had the account paid off in the amount of time they told me.