davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXXXXXX 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made in Full : The payment in question was made in full and on time. I have attached bank records that verify the date and amount of the payment. There was no delay from my end in processing the payment. 
Administrative Error : XXXX XXXX XXXX XXXX confirmed that a system error on their part led to a delay in posting the payment. This delay should not have been reported as late on my credit report, as it was beyond my control. 
Communication Confirmation : I was informed by the creditor in writing that no late payment would be reported due to their error. However, this was inaccurately reflected on my credit report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-05
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: Experian Information Solutions Inc. (FL)

To whom it may concern XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1985 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX  Consumer Fraud Division XXXX. XXXX XXXX XXXX, GA XXXX I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report : XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX-, XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX {$1300.00}, XXXX   XXXX XXXX XXXX {$410.00} to be blocked by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc. ). 

This information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report. 

Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1985 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2024-11-06
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. (FL)

Under 15 USC 1681i ( a ) ( XXXX ) ( 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 ( XXXX ), 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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XX/XX/year>
Consumer complaint received 2018-01-16
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (LA)

this complaint is based on the response from the company in regards to complaint # XXXX that response is a forgary. the company admited fault for not disclosing and requiring the insurance prior to closeing and acnoledged that within the first 3 weeks of closing that insurance was needed. in regards to the companys response it has been proven that the values listed by XXXX in the response is a fraud and does not reflect the origonal loan application. i then asked wellsfargo through secure messaging for my loan application. i then asked XXXX who was handling my issue and sent the fragulent response for the same document. wellsfargo sent me the one i signed in person. XXXX sent me one that he altered and put my electronic signature block in makeing it not only another fraud trying to cover up his mistakes but a forged signature. before adding the wind insurance which then was around 2700 a year my liabilitys were XXXX in the response with the added wind insurance it states it was XXXX and equaled a debt to income ratio of 40.07. they used those values becuase on my application my liabilitys of XXXX would be over 41 % debt to income ratio. this means they they had the knowledge that it was not exceptable for lendingeven before the house closed but to get the comission they pushed it through. using the values of the loan application and adding the wind insuance of XXXX a month which comes too XXXX which is way above the debt to income of 41 %. and now to make things even worse that wind value was before hurricane season. as of today the wind insurance jumped to XXXX which will be alot higher debt to income ratio. wells fargo sent cpfb a fragulant response after admiting they didnt disclose the right info before closing and proved that my debt to income was not acceptable before the loan closed but pushed it through to get commission. this extra insurance if the rate does not change for 29 years is over 95k which i would never had agreed too.
Consumer complaint received 2018-11-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2018 Dear Ladies and Gentlemen : This communique is a complaint against Wells Fargo. Wells Fargo has charged 3 overdraft fees against me illegally. The only charge that I should have is for XXXX XXXX gas station. 


The other deductions for XXXX, XXXX XXXX, and XXXX XXXX were made before the XX/XX/XXXX charge at XXXX XXXX I checked my accounts to see if I had the funds to go to these fast food restaurants, and the funds were sufficient. 


This is the third time that Wells Fargo has illegally charged my account. Previously, they charged my account, and I made the automatic transfer from my checking to my savings account. So, I shouldn't have had to pay fees for accounts. 


Your immediate response will be highly appreciated. 


Sincerely, XXXX XXXX
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AR)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX XXXX XX/XX/XXXXXXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2018-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2018 I received a notification that a new inquiry had been posted to my credit file by the creditor XXXX XXXX XXXX. I did not apply for credit with them so I disputed the inquiry via XXXX online. I received the reply that it was considered valid and they would not be removing the fraudulent inquiry. I also received a letter from them on XX/XX/2018 stating they were dealing my credit request and that if I needed/wanted more information as to why that I needed to contact Capital One. An inquiry was done fraudulently and it was not done by myself or anyone in my immediate household.
Consumer complaint received 2024-11-06
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)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made in Full : The payment in question was made in full and on time. I have attached bank records that verify the date and amount of the payment. There was no delay from my end in processing the payment. 
Administrative Error : XXXX XXXX XXXX XXXX confirmed that a system error on their part led to a delay in posting the payment. This delay should not have been reported as late on my credit report, as it was beyond my control. 
Communication Confirmation : I was informed by the creditor in writing that no late payment would be reported due to their error. However, this was inaccurately reflected on my credit report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2018-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX and Transunion show 2 items on my Credit Report that should have fallen off 7 years after the first delinquency ( ie right now ). They have not, and I have submited disputes, however XXXX will not allow me to view the progress of the dispute online. The 2 delinquent errors are not consistent across reports, and XXXX actually removed both of them already! This is confusing to creditors, say when I go to refinance my student loans, that they see different reports across all 3 bureaus, XXXX showing me in perfect credit, Transunion, showing me an issue or two, and XXXX showing me with two delinquencies. I have a credit rating of XXXX, but these items hold me back. I work hard to keep a good credit score, just look at my past 7 YEARS of activity. This is not fair to hold on to items, inconsistently.
Consumer complaint received 2018-01-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (MI)

XX/XX/XXXX Home was purchased XX/XX/XXXX XX/XX/XXXX Included in Discharged Bankruptcy ( payments were voluntarily paid ) XX/XX/XXXX last month loan was serviced by XXXX XXXX XXXX XX/XX/XXXX first month serviced by XXXX XXXX XXXX XX/XX/XXXX servicing transferred to XXXX XX/XX/XXXX XXXX sent a letter that I could not receive monthly statements due to bankruptcy XX/XX/XXXX last payment I ever made XX/XX/XXXX servicing transferred to Caliber Home Loans  XX/XX/XXXX sheriff sale notice XXXX Judicial Foreclosure XXXX property sold to private buyer XXXX received a XXXX from Caliber Home Loans Marked ( # 5 that I was personally responsible for the repayment of debt )
Consumer complaint received 2018-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

cra violation inquires that are not sent police report and id theft gov Inquirer Name inquires pulled twice by the same company within 30days why? 
Inquiry Date Removal Date Business Type Contact Information XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Credit Unions  XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Bank  Credit Cards XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX All Banks - non specific XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX All Banks - non specific XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX, XXXX, RENTAL PROPERTY XXXX, XXXX XXXX XXXX not mine idtheft victim
Consumer complaint received 2016-08-29
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Finance of America Mortgage LLC (TX)

My wife and I began the refinance process on our home, signing a loan estimate on XXXX XXXX, 2016 with XXXX Mortgage ( Finance of America Mortgage, LLC ) through XXXX XXXX, XXXX XXXX. The loan for {$270000.00} had an interest rate of 3.5 % with 0.125 % in points ( {$340.00} ). The rate was locked to XXXX/XXXX/2016. On the same date, we are also informed we could choose our own title company because we could get a better rate than the lender preferred company having used the title company recently. On XXXX/XXXX/2016, we provided the lender XXXX XXXX XXXX the name ( XXXX ) and contact information for the title company to be used. On XXXX/XXXX/2016, we received our Closing Disclosure which listed the title company as XXXX and the higher rates we wanted to avoid by using University. We immediately informed the lender XXXX XXXX XXXX that day of the error and requested for the title company to be changed. On XXXX/XXXX/2016, we received a revised Closing Disclosure which did change the title company to University and the lower rates, but the discount points were increased 0.125 % to 0.25 % ( {$680.00} ). We immediately contacted the lender XXXX XXXX XXXX that day and inquired as to the increase in points. He said it was due to the rate lock expiring on XXXX/XXXX/2016, they had to charge an additional 0.125 % in order to keep the same interest rate of 3.5 %. We told them that was unacceptable because the only reason we were closing later was due to their title company error. XXXX informed us that day that he submitted an underage request to his manager for us to get a credit back, that it would be approved in 1 day, saying " OK, looks like we are good with this, '' and also asking us to " SO please move forward with anything else ... '' XXXX also verbally told me over the phone that it would be taken care of. On XXXX/XXXX/2016, we received another revised CD, and again it listed the points at 0.25 %. We again immediately contacted the lender XXXX XXXX XXXX that day of the problem. XXXX did not respond. We received our final revised CD on XXXX/XXXX/2016 ( closing day ), and it still had the problem. We again informed them of the error and they said : " I have requested it last week, will get with upper management again ... '' We decided to close in order to avoid any further issues ( and charges for not closing ) with the lender but in reliance that we would get a credit for the additional points in the amount of {$340.00}. Having closed and received no refund and no word, we contacted the lender XXXX XXXX XXXX on XXXX/XXXX/2016. All we got was that they were working on it with their management. Again we inquired on XXXX/XXXX/2016, and again were given the excuse that the request was submitted and they were waiting for management. Again, on XXXX/XXXX/2016 we inquired and were finally told that we were not going to receive the refund and that they essentially knew that was the case all the way back to closing, but finally made it clear to us.
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX  XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : The payment was made on time, as evidenced by the attached bank statement showing the transaction on or before the due date.

Natural Disaster Accommodations : This account was affected by a natural disaster, which should have precluded any late payments from being reported during the affected time frame.

Clerical Error : There was an administrative error on the creditors part, not reflective of my actual payment behavior. My consistent payment history supports this claim.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2018-01-16
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)

I tried to get my get the two address off my report which do not belong to me which are XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NH XXXX