davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank (SC)

I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks dated on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''. 

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. 

I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.
Consumer complaint received 2021-03-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

During last 45 days, almost two CFPB cases against Mr. Cooper : XXXX XXXX What I am looking for : 1. Show me online amortization schedule once i login to my online account at Mr. Cooper. 
2. Close my escrow account and send all the money back to my bank account without incurring any fees to me. 

Till now Mr. Cooper is not able to explain why they are collecting different amount every time for my escrow. any way i don't want them to have my escrow account. 

It's really long wait time to reach out to Mr. Cooper Customer service due to lack of staff and limited work timing of theirs. 
Worst thing, even if you reach out to them then also nothing is moving.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To Whom It May Concern, I am a victim ofXX/XX/XXXXThe information listed below, which appears on my credit report, is the result of that XX/XX/XXXX 
ACCOUNTS XX/XX/XXXXXX/XX/XXXX
Consumer complaint received 2020-01-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CO)

XX/XX/2019 I requested the cancellation of PMI on my mortgage with my lender LoanCare LLC., a sub-servicer of XXXX XXXX XXXX XXXX XXXX This request for PMI cancellation was due to two factors : 1 ) local market appreciation in Colorado 2 ) substantive and/or structural improvements made to the property. As part of this request, LoanCare had me pay-in-advance for a Broker 's Private Opinion ( BPO ) to assess the new value of the ( subject ) property. 

XX/XX/2019 XXXX XXXX of XXXX XXXX XXXX XXXX conducted the BPO. 

XX/XX/2019 I received a copy of the BPO that was used by LoanCare to determine whether the value of the property warranted PMI cancellation ( loan to value ratio of 80 % or less ). -See attached Document # 2- In the document, XXXX XXXX singled out two comparable properties ( comps ) that were most similar to my ( subject ) property and adjusted the value of my property based upon these market numbers. With the adjustments made using these comps ( CS1 and LC3 ) the averaged value of my property was {$510000.00}. With adjustments made with reference to all six of the comps, including those XXXX XXXX deemed less similar, the averaged value of my property was {$500000.00}. At the time that the BPO was conducted, an LTV of 80 % or less would have equaled a current property value of {$490000.00}. Despite his own adjusted values for current market comps equaling a minimum of $ XXXX and more accurately a value of $ XXXX for my property, XXXX XXXX listed an " Opinion of Price '' as {$480000.00}. A number that seemed arbitrary and exactly {$10000.00} less than that needed to achieve an LTV of 80 %. This notwithstanding the value of improvements to my property post-closing that XXXX XXXX estimated to be valued at {$22000.00}. 

XX/XX/2019 I received LoanCare 's letter rejecting the request to cancel the PMI on my mortgage. In the letter, LoanCare neither referenced any data such as my current property value or LTV ratio to justify this decision nor did they discuss how this decision was reached. They only offered that I may, at my expense and at a cost of {$910.00}, hire an appraisal of the property. -See attached Document # 1- At this point, given the capricious and fortuitous ( for LoanCare ) value arrived at by the BPO which contradicted local market comp data, I'm skeptical of the independence of the " third-party '' contractors that LoanCare hires to do their BPOs and appraisals.
Consumer complaint received 2024-11-08
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. (GA)

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required unde

r 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify an
y information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Consumer complaint received 2021-07-09
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 (CT)

I had recently wrote cfpb a complaint about discover credit company reporting a negative mark on my credit report with these balance has already been sastified and paid for as agreed also on there last reponse they did not provide any real documentation in relation to these so called negative balances ... so there for i am asking if discover credit can please take off this negative mark on my credit report people have suffered enough from covid 19 finacially and now discover wants to punish us more by reporting inacurate informations on peoples credit reports who have XXXX fico accounts that are always paid for on time please this is just far beyond ridiclous and i honesty dont think anyone deserves it at a time like this and what we are all going through rite now
Consumer complaint received 2018-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Sarma (TX)

Actions taken : called both creditors and advise that I have no recollection, I was told an investigation will undergo and nothing. 






XXXXXXXX XXXX XXXX. XX/XX/XXXX {$1600.00} Sarma collections XX/XX/XXXX {$110.00}
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

In accordance with the fair credit reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, has violated my rights. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 


15 U.S.C 1681 section 602 A. states I have the right to privacy.

15U.S.C1681 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 1681 c ( 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 or convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681-2 ( 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 intentions are inaccurate.
Consumer complaint received 2024-11-08
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. (NJ)

The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I just recently looked at my report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer credit report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I sent a letter asking them to reinvestigate the accounts listed below because ( XXXX XXXX XXXXXXXX ) open date is not reporting correctly, high credit amount, last reported date, comments, date of last payment ( XXXX XXXX XXXX ) open date is not reporting correctly, monthly payment, account status, Balance, high credit, last reported, date last active, I only received a letter stating the accounts were verified but as you can see in the supporting documents, they are still currently all incorrect. 

In addition, I was not provided any documentation proving the accuracy of the accounts this is clear violations of my right under the fair credit reporting act and is causing me a severe hardship
Consumer complaint received 2024-09-27
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: EQUIFAX, INC. (TX)

I am formally filing a complaint against your agency for the blatant reporting of false information on my credit report. This is a serious violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e and 15 U.S.C. 1681a ( 1 ) ( b ). The inaccuracies on my report have caused substantial damage to my financial standing and peace of mind. 

As credit reporting agencies, you have a legal obligation to ensure the accuracy and integrity of the information you provide. It is your duty to conduct thorough investigations into reported inaccuracies. Your complete disregard for this responsibility is unacceptable. I demand the immediate deletion of all erroneous entries from my credit report. 

The FCRA is unequivocal : consumers have the right to dispute inaccurate information, and you must investigate these disputes promptly. Your failure to correct or remove this erroneous information is a direct violation of my rights and constitutes a serious breach of the law. 

If this matter is not resolved immediately, I will take legal action, including pursuing small claims for every instance of wrongful reporting. I expect a detailed written response within 30 days outlining the actions you have taken to rectify this situation. 

This is not merely an inconvenience ; it is a violation of consumer rights that can not be ignored. I insist that you act in accordance with the law and rectify these errors without delay.
Consumer complaint received 2018-05-01
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Diversified Consultants, Inc. (AL)

This is a collection company called diversified consultants. They are trying to collect for XXXX XXXX XXXX. Ive told them that I didnt have a remaining balance when I closed my account and when I went to turn the equipment back in I was told they like to still charge you and to hold to my receipt which I have. I tried explaining this to this collection company but theyre trying to tell me its not for an equipment charge. So I asked where is it coming from because I didnt have a balance and they couldnt give me an answer. All they keep saying is I owe {$270.00}. They have been calling for 4 months and I have blocked their number 13 times ... the balance is now on my credit report so I figured that they would stop calling because thats what they threaten you with to get to hurry up and pay, but NOPE they called me today XX/XX/XXXX from another number ... .please get the calls to stop before my phone memorys full from blocking everyone in the companys number ... ..please and thank you!!!!!
Consumer complaint received 2018-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

Late payment error on my account. I had it corrected by the lender a month earlier and it automatically showed up on the other credit reporting companies. Equifax wants 30 days to update my account. I am applying for insurance and my company uses credit score in setting rates. So Equifax wants to drag out 30 days at my expence. Tried to correct and file disputes on line to no avail. Instructed to call after 45 minute and a supervisor who only will go by " Only XXXX In XXXX call center '' She went on to file a dispute and tell me 30 days is the best they can do. She said the problem with my account is someone put XXXX after my name resulting in all the issues. I told her I dont go by XXXX or is it not on my ids. She had the crazy idea I had to prove this by sending in copies of my drivers liscence and social security card and this is to the XXXX to a indivual who would only identify her self as " only XXXX  ''.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-21
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. (UT)

I have an agreement with XXXX that they would remove late payments on all closed accounts. Credit reporting agencies refuse to remove late payment information despite being provided with a letter from XXXX asking them to remove. This information gets removed and then reappears.
Consumer complaint received 2022-08-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX, I opened a checking account online with Wells Fargo Bank and transferred {$500.00} from my account at XXXX  XXXX XXXX. On XX/XX/XXXX, I received an email from Wells Fargo Bank that they suspected identify fraud on my account and they were closing my account. The online transfer of the {$500.00} from my XXXX  XXXX XXXX account to Wells Fargo was completed on XX/XX/XXXX. I received a letter in the mail from Wells Fargo Bank that my account was being closed and that I would receive a check for the closing balance by XX/XX/XXXX. I have never received the {$500.00} back to my XXXX  XXXX XXXX account nor have I received a check from Wells Fargo Bank. 

I did have identity theft around XX/XX/XXXX, but it was not due to anything I did. 

I have spoken by telephone to two different people at Wells Fargo. Their response is they never received any funds into my account. I believe that the account was closed prior to Wells Fargo receiving the funds from XXXX  XXXX XXXX. Wells Fargo has told me they opened a claim but I have received no response from them.
Consumer complaint received 2022-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (OR)

After a call about faulty autopay features and a hopeful resolution, the company once again disabled my autopay and a {$30.00} total balance accrued a 70 dollars in late fees without any notice. I believed the entire card was paid off but only got notice after two billing cycles that there was a problem.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Consumer complaint received 2024-09-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (MN)

My fraud claims from Wells Fargo have been denied for the 3rd time. They have shown me no evidence from the company I am filing charges against, I did authorize a few transactions by phone when calling Wells Fargo. 
I DID NOT authorize XXXX of XXXX of dollars of the folllowing months. 
They are using past phone recordings as their only evidence. 
I have not seen any evidence to date from the company XXXX XXXX XXXX XXXX My other credit card that was compromised by the company has recognized it as fraud and reimbursed me fully for fraud charge of over {$4000.00}. 
I will not let this go. 
Wells Fargo has been nothing but rude, disrespectful and dishonest. 
I have not gotten any valid documentation or calls backing up their denials. I have pages of evidence from several sources. 
I will keep filing until this is resolved.