davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

I am writing to formally file a complaint against XXXX XXXX  XXXX for their failure to accurately process my XXXX mortgage payment. 

On XX/XX/XXXX, at XXXX XXXX, I made my monthly mortgage payment through XXXX XXXXXXXX XXXX online portal. Despite making the payment before the end of the month, their system erroneously recorded it as being made on XX/XX/XXXX. 

I promptly contacted XXXXXXXX XXXX XXXX customer service department on XX/XX/XXXX to address this issue. I spoke with multiple representatives, including XXXX, XXXX, XXXX, and was escalated to XXXX, They all insisted that the payment was not made in the month of XXXX, but it was. 

Despite the clear evidence and multiple confirmations, XXXX XXXX  has refused to acknowledge that the payment was made on the correct date. They are now threatening to report a 30-day late payment on my credit report, which will have a significant negative impact on my credit score. 

Furthermore, XXXX XXXX  is also reporting rolling 60-day lates from XX/XX/XXXX, to XX/XX/XXXX. This inaccurate reporting is causing me extreme stress and frustration. 

I believe that XXXX XXXXXXXX XXXX actions are a clear violation of consumer protection laws. I request that the CFPB investigate this matter and take appropriate action to hold XXXX XXXX  accountable for their misconduct. 

Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-14
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. (MA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Subject : Urgent Request for Resolution Regarding Unauthorized Credit Card Reporting Dear Sir/Madam, I am writing to express my deep concern and frustration regarding the continued reporting of a credit card account in my name by XXXX XXXX XXXX XXXX XXXX despite my repeated requests for its removal. 

Earlier this year in XXXX specifically, I mailed in an authorization notice, called, and even sent written communication requesting that this credit card be removed from my account ( See attached Request form from Back then ). I was assured by your representative that the credit reporting associated with this card would no longer reflect on my XXXX XXXX. Unfortunately, despite these assurances, the issue has not been resolved.

Recently, while applying for a loan, I discovered that this erroneous credit card is still being reported, which has adversely affected my credit score. This situation is not only causing unnecessary stress but is also damaging my financial standing. 

It is clear to me that the systems in place at XXXX XXXX XXXX XXXX are failing to address this matter appropriately. As a result, I am escalating this issue through the Consumer Financial Protection Bureau ( CFPB ) to ensure that it receives the attention it deserves. 

I demand immediate action to correct this error and to remove any adverse information related to this unauthorized credit card from my credit report. Please provide me with written confirmation that this matter has been fully resolved and that my credit score will not be negatively impacted by this issue in the future. 

Thank you for your prompt attention to this critical matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-14
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)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-08-14
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. (FL)

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
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 2024-08-14
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. (FL)

This morning, I was stunned to discover inaccurate accounts on my credit report, and I cant comprehend why theyve shown up. I reviewed my credit report as usual, only to find discrepancies that werent there before. I attempted to refresh my browser, thinking it might be a mistake, but the errors didnt disappear. Because of this, Im asking that the documents Ive submitted be carefully examined so I wont have to XXXX about this anymore.
Consumer complaint received 2015-10-01
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ditech Financial LLC (KY)

Continued calls after I verified I am not the XXXX XXXX that owes Ditech Financial LLC, formerly Greentree Financial Services, nor am I affiliated with XXXX XXXX or any property at XXXX XXXX, Ky. There have been calls daily up until after XXXX and throughout the day on my cell which I use for my business. There are multiple numbers in which the calls come from out of Texas, but the number in which to return the calls remains the same.
Consumer complaint received 2024-08-14
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. (DC)

Privacy and Confidentiality under 15 USC 1681 XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Account needs to be removed from report.
Consumer complaint received 2015-06-06
Product: Credit card — 
Issue: Other — 
Company: WELLS FARGO & COMPANY (AZ)

In 2008, I was offered a credit card from Wells Fargo Bank. I excepted the credit card incase of emergencies and went over the particulars with a personal banker. One of the topics was rather I wanted to have it linked to overdraft perfection ; I declined to have it linked to overdraft protection as I used a saving account for this. I also knew that if attached to my credit card that interest would build on overdrafts and any fees. 
I attempted to use the card during an emergency sometime in 2008 after never using it and found out that the credit card was full in the amount of {$800.00}. I contacted the bank and they told me it was link to my overdraft and that is why it has the amount of {$800.00}. I took responsibility as my car insurance came out and I used my debit card for about 2 days not knowing it was over drawn. Wells Fargo charged me fees on top of using my credit card which I never allowed them to use for overdrafts. If It was set up to my savings account like I had requested, the money would have been taken out of there and I would have only been charged XXXX small fee. The banker had signed me up for this to gain more of his/her incentive and I went to the branch to dispute this but they continently told me there was nothing they could do. I paid on this bill as I continued to try and dispute it but they would not help in any way. 
I have been paying on this credit card and have it almost paid off. During this time I was still disputing these charges and about a year ago I did not want to pay anymore until they worked with me as this was unlawfully and unknowingly attached to me account and the card has a really high interest rate. During this time they sent it to collections and I am now having issues with my credit and obtaining any financing. 
I am and have been willing to pay my over drafts and even the fee that would have been placed to my savings account. I have now paid XXXX 's of dollars in overdraft fees and high interest due to this banks negligence to monitor what their personal bankers do to receive there quotas. 
I have no problem paying the card off at this point but I do n't deserve to have this negatively affecting my credit as I have paid them over a XXXX 's in interest and fess that I should have never even had to begin with. ( fraud )
Consumer complaint received 2015-10-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (GA)

I have got a lot things on my report that are not mine my identity was stolen years ago and I disputed the items they were removed and returned i tried to dispute them again and now it tells me that I do n't have a credit file i sent copies of bills drivers license social security card a now i am lost please help
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense XXXX this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2015-05-01
Product: Debt collection — Mortgage
Issue: Communication tactics — Frequent or repeated calls
Company: Dyck-O'Neal, Inc. (VA)

Dyck Oneal has repeatedly called us and threatened to take us to court over and over again for years. Their collection tactics are abusive. They are still on our credit report without a judgement ... just threats and harassment. Everything has been documented. They have violated FDCPA several times.
Consumer complaint received 2024-08-14
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. (TX)

Recently i looked at a copy of my credit report and noticed several inaccuracies on my account. this account is hurling my ability to obtain credit. it is my understanding that you will investigate these items for me to ensure accuracy. here is the item i am asking you to verify as accurate. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-14
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. (NY)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of A Secured Loan Account name XXXX XXXXXXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX A Credit card Account name XXXX  XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Account name XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX  Account name XXXXXXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX Account name XXXX XXXX Account number XXXX Date XXXX XX/XX/XXXXXXXX XXXX Account name XXXX XXXX  Account number XXXX Date opened XX/XX/XXXXXXXX XXXX Account name XXXX XXXX Account number XXXX Date opened XX/XX/XXXXXXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX TX XXXX A Inquiries XXXX XXXX  Inquired XXXX XX/XX/XXXX XXXX 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections, late payments and accounts appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX and XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-10-02
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. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

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 XXXXXX/XX/XXXX
Consumer complaint received 2015-10-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (AL)

There was a small case suit against me in XX/XX/XXXX, as which, this was never placed on my credit files. The case was handled in mediation. The final payment was made in XXXX XXXX ; and now XXXX XXXX this has been placed on my credit files with all major credit bureaus. I am seeking help in reference to finding out why the major credit bureaus waited 5 years later to place this on my credit files? Why? I am hereby asking that XXXX be removed from all major credit bureaus because this was resolved in XX/XX/XXXX in mediation and was paid off in XXXX XXXX. It seems as though the credit bureaus of retaliating against me due to the many disputes I have submitted based on the laws. I am crying out for you to assist me in getting this public record removed from my files ASAP.
Consumer complaint received 2024-08-14
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. (DC)

I am writing to express my deep concern about the disputed accounts on my credit report. Despite my persistent efforts to address these inaccuracies and my repeated requests for thorough investigations, I have yet to see any resolution or corrective action. 

These erroneous accounts are causing substantial damage to my credit file and severely impacting my ability to lead a normal life. The effects of these errors have created significant hardships, leading me to urgently request your assistance in resolving this matter as quickly as possible. 

I respectfully ask for a comprehensive investigation into the reporting of each disputed account. It is crucial that immediate action is taken to update and correct my credit report without further delay. Your support in restoring the accuracy and integrity of my credit file is vital for me to regain control of my financial stability. 

I urge you to treat this issue as a priority and take swift action. Your prompt cooperation in addressing this matter would be greatly appreciated. 

Thank you for your attention and assistance.
Consumer complaint received 2015-05-02
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Pinnacle Credit Services, LLC (KY)

On XX/XX/XXXX I received a credit alert a new account was added to my credit file. Upon inspection, I found this 'new account ' was a collections account from Pinnacle listed as a XXXX XXXX debt. I had never received any communication regarding this alleged obligation. 

At that time, I sent a letter to Pinnacle, Certified Mail Return Receipt requesting validation of this debt. Despite Pinnacle receiving this demand, I received no response, not even a dunning letter. 

Having waited the required length of time for a response and for validation of the debt, and receiving none, I submitted disputes with the XXXX major credit reporting agencies on XX/XX/XXXX explaining I was unaware of such an obligation to Pinnacle and that Pinnacle had failed to respond to my request for validation as required. Per the resolution letter I received from the credit reporting agencies regarding my dispute, Pinnacle verified to them that the account belonged to me and by keeping it on my credit report, that they were legally entitled to collect said debt AND that is was a valid debt of mine, all information they seemed unable or unwilling to provide me. 

At no time before or after the validation request and the verification with the credit reporting agencies, and continuing to today, I have never received any communication from Pinnacle regarding this alleged debt. They have current contact information for me as they review my credit files, update their collection account monthly or more, AND I have always included current mailing address information in my communication. 

I again reached out to them on XX/XX/XXXX via Certified Mail Return Receipt requested and again received no communication despite their receiving my communication. 

On XX/XX/XXXX I emailed their COO, XXXX regarding this matter. He responded that they were unable to locate my account information and could I provide more information? I responded with all my personal information, and all account information in my credit files so they could locate the account and we could resolve this. I never heard another word despite my sending repeated emails. 

I have requested to have documentation provided that this debt exists, that I owe it, and that they are legally entitled to collect it. They have failed to provide requested documentation, yet they continue to report the account to the credit reporting agencies inaccurately each month which constitutes a continued efforts to collect this debt. Pinnacle is in violation of the FCRA and the FDCPA.
Consumer complaint received 2015-06-07
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (FL)

HelloI have a XXXX mortgage on my home and Green Tree Servicing is the servicing company. It has been a very trying experience from the very start. I requested a XXXX mortgage modification and I was told " we do n't do that '', then they modified it " temporarily ''. I was told that they do n't reduce the principal on XXXX mortgages at all, even thought they are listed on the HAMP website. XXXX I have my payments automatically drafted from my bank account and keep getting letters saying there is a balance. I have never been late on any payment. I called and the representative does n't know why I am getting the letters. I am guessing they do n't process payments I sent in to go to the principal of the loan. The most troubling part is that last week I received a letter from Green Tree stating that my account was put in default and they made a mistake. I work hard to keep a good credit rating and this brought down my rating. I checked my mortgage account online and the balance is still there. Again I call them, they still have no clue.
Consumer complaint received 2015-10-09
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (NY)

I recently pulled my credit reportJPM Chase is reporting a charge off on my acct I called them several times to verify the debtI told them I never received a bill they said they were sending it to an old address it looks like they send the card to a wrong address and someone stole my card or my card number was stolen through a store I dunno. I explained so I asked them to send me all charges on the acct starting from XXXX dollars till XXXX dollars that they are reporting they failed to supply me with the charges on the bills all they sent me was XXXX statements of ending balances with XXXX purchases.
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am submitting a formal complaint against XXXX and TransUnion for inaccurately reporting information on my credit report. Despite their assurances that the data is accurate, it is not, and it has caused significant damage to my financial standing. XXXX is in violation of 15 U.S. Code 1681s2, which requires furnishers to report accurate and complete information to credit reporting agencies. And TransUnion under 5 U.S.C. 1681e ( b ) regarding their responsibility to ensure maximum possible accuracy of consumer credit information and to remove or correct inaccuracies when documentation has been provided.