davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-30
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. (GA)

This account was charged off on the following date XX/XX/XXXX. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Experian : XXXX  XXXX XXXX ; XXXX  ; Date opened-XXXX  XXXX, XXXX This account was charged off on the following date XX/XX/XXXX. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Experian : XXXX XXXX XXXX ; XXXX  ; Date opened-XXXX  XXXX, XXXX This account was charged off on the following date XX/XX/XXXX. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Experian : XXXX  XXXX XXXX ; XXXX  ; Date XXXX XXXX, XXXX This account was charged off on the following date XX/XX/XXXX. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Experian : XXXX  XXXX XXXX ; XXXX ; Date opened-XXXX  XXXX, XXXX This account was charged off on the following date XX/XX/XXXX. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Experian : XXXX XXXX  ; XXXX ; Date opened-XXXX  XXXX, XXXX
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (AR)

Madza Financial Services I co signed for a car I gave them the car back they sold the car an they closed the account XX/XX/XXXX but they pulled XXXX points from my credit today they have not told me the amount car sold for the man says its no balance so why pull off my credit if its no balance owed please help XXXX XXXX Im no longer A XXXX it was a XXXX madza XXXX
Consumer complaint received 2024-10-01
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)

I recently review a copy of my credit report and noticed fraudulent account on my report XXXX XXXX XXXX is not my account and need to be remove immediately this account does not belong to me and it's hurting my personal finance.
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-11-23
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. (FL)

Upon reviewing my Consumer Reports, I noticed some instances of late payments on an account tor which I have always maintained timely payments. consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative imagines information be reported with upmost accuracy. I have never missed a payment on my XXXX XXXX  account XXXX. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to Furnish proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.
Consumer complaint received 2024-10-17
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. (TX)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.
Consumer complaint received 2024-11-21
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. (NY)

Request to Block Fraudulent Information Due to Identity Theft Under the FCRA I am writing to formally inform you that I have fallen victim to identity theft, resulting in the presence of inaccurate or fraudulent information on my credit report. Under Section 605B of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, I request that this information be blocked from my credit file immediately.

The FCRA requires credit reporting agencies to block information identified as resulting from identity theft within four business days of receiving the following : 1. A valid identity theft report ; 2. Identification of the fraudulent information on the credit report ; 3. A statement from the consumer confirming that this information does not pertain to any transaction they authorized.

I trust you will act swiftly in accordance with FCRA Section 605B to block this information from my credit report. Please provide written confirmation once this action has been completed. 

Thank you for your immediate attention to this matter.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-11-23
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. (OK)

I am submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

COMPLAINT FOR CFPB PARA REMOVER LATE PAYMENT ( ( XXXX XXXX XXXX ) ) Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against EQUIFAX 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 XXXX Account Number : XXXX Date of Late Payment : XXXX " I have submitted XXXX separate disputes to EQUIFAX regarding a late payment reported by [ name of the creditor ]. In each dispute, 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 ) ), explaining that the reported late payment is inaccurate for the following reasons : [ include reasons ]. Despite my repeated efforts, I have not received an adequate resolution to correct this issue, which continues to unfairly impact " my credit history. '' " I am deeply concerned about the error in your records showing a late payment, as I am confident that I fulfilled my obligation on time. This may be due to an administrative mistake or a failure in your processing system. I am requesting an urgent and thorough review of my payments, as an incorrect report could unfairly impact my credit history. As a responsible consumer, I always ensure my financial commitments are met, and I trust you will correct this error before any further action is taken or my credit is negatively affected without justification. I appreciate your prompt response and correction of this matter. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, 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
Consumer complaint received 2024-10-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (NY)

I wanted to apply for the XXXX XXXX program. When I tried to use the website that I had been directed to ( https : //myeddebt.ed.gov, https : //myeddebt.ed.gov/borrower/, https : //myeddebt.ed.gov/borrower/ # /sendemail ) and other subdomains, the entire website was broken, and it was not possible to send an email. I used developer tools on several browsers and made sure that there was no XXXX activated. Still, there was nothing being served by the given url. This caused considerable stress and disrupted my ability to handle other critical tasks. 

When I subsequently tried to log into the site, the next day, when I had been told that the site was now functional, there were additional issues.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NC)

I had just filed a Cfpb complaint last week about Equifax reporting the wrong information for this same account. Saying XXXX I was 60 days late. This complaint is against EQUIFAX for violating the Fair Credit Reporting Act ( FCRA ) Section XXXX ( a ) ( XXXX ) ( B ). I previously disputed an account XXXX XXXX acct # XXXX on my credit report for a late payment in XX/XX/XXXX which was found to be inaccurate and changed from being late to never late However, this account has been reinserted numerous times into my credit report without any notification from EQUIFAX within the required XXXX business days. This action is in direct violation of FCRA Section XXXX ( a ) ( XXXX ) ( B ), which mandates that consumers must be notified if previously removed information is to be reinserted into their credit report. The lack of notification has caused unnecessary stress and potential harm to my credit standing. A few days ago they were reporting that XXXX XXXX was 60 days late now its XX/XX/XXXX. I have already contacted EQUIFAX regarding this issue but have not received a GOOD resolution. Therefore, I am seeking your assistance to ensure that EQUIFAX complies with FCRA regulations and corrects this issue immediately WITHIN XXXX BUSINESS DAYS. No other XXXX is reporting this wrong information. Attached are copies of all relevant correspondence, including my confirmation of the account 's removal, and my recent dispute regarding the unauthorized reinsertion. I appreciate your prompt attention to this matter and look forward to your assistance in resolving this issue. XXXX XXXX
Consumer complaint received 2016-01-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo is trying to foreclose on my home tomorrow XXXX/XXXX/XXXX based on a fraudulent decision they sent to me regarding my mortgage package. 
I submitted a package for a short sale because I had n't been able to get them to modify my loan. I sent that shot sale package earlier this month, on XXXX XXXX, XXXX. They had a sale date scheduled for XXXX XXXX XXXX. That is 12 business days, and 15 calendar days prior to the sale yet wells fargo is wrongly stating first they didnt receive a package then that they didnt get my package in time. 

I am attaching a copy of the forged decision they sent to me from my Home Preservation Specialist, XXXX XXXX. It is forged document because XXXX XXXX left Wells Fargo on XXXX XXXX, XXXX and has never since returned. She was never even an employee on XXXX XXXX, XXXX to write the letter and send me the decision so important regarding my home that they are saying that she mailed me.
Consumer complaint received 2015-12-16
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WESTERN UNION COMPANY, THE (MN)

An impostor faked to a company that fixed my computer remotely. He told me that I was overcharged and that the company moved to XXXX. He wanted to send me a refund into my check card but the security chip on it hampered the move. He asked for my account number to wire the money and I did. I wired {$900.00} instead of XXXX I had paid to the company ( XXXX computer repairs ). He called me to say that he send {$900.00} into my account and that I could send in {$500.00}. I went to Western Union XXXX and sent it. ( Tracking number XXXX. 
Sender -- -XXXX . XXXX XXXX of transaction XXXX Receiver XXXX XXXX Pay out Location -- Western Union XXXX XXXX fees {$14.00} XXXX ) I will like western Union to regain and refund my money. They should verify this impostor and call XXXX law on him. I was excited to get back some holiday money but instead got exacted.
Consumer complaint received 2016-01-06
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: STONEGATE MORTGAGE CORPORATION (TX)

Just by coincidence my mortgage company customer service dept told me my escrow was almost {$5000.00} short. With further digging I was told that when I refinanced in XXXX 2015 the homeowners insurance somehow was not included by the servicer although it is on the good faith estimate and the HUD statement. This means for last year no money had been put in my escrow for homeowners insurance although my monthly payment at closing was calculated based on taxes principle and insurance Now I face an extreme shortage in XX/XX/XXXX which is when Texas does annual analysis. I am so angry thinking that all along all my fees were being paid when I paid my monthly payment. I have spoken with the mortgage company and the company that did the refi application today and they are looking to see what happened. They should be held responsible as they made me have this shortage. If my monthly mortgage payment was to include my homeowners insurance, where is that portion of my monthly going if it has not gone towards the insurance?
Consumer complaint received 2016-02-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

XXXX is reporting a loan that charged off back in XXXX as 120 days late as of XXXX. That is wrong. If it charged off in XXXX how can they continue to report me and my husbands late in XXXX? XXXX XXXX has already deleted the item but, the other XXXX bureaus are showing invalid data that is destroying our credit scores. Please hold XXXX accountable to the FCRA and make them remove the lates after the account charged off XXXX. We have disputed the account via the credit bureau dispute process, 4 times and they still refuse to fix it.
Consumer complaint received 2016-02-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NJ)

I disputed the following account historical information with Equifax : XXXX XXXX XXXX account number XXXX and was told XXXX that this historical information has been deleted for this account. Please see attached XXXX communications from Equifax. 
I ordered a credit report today and the historical information for this account remains. 
Please permanently delete this information or account as promised XXXX already.
Consumer complaint received 2015-12-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

I have a collection of {$2000.00} showing on my credit report. This collection belong to a person with a different name ( although similar ) on it and has no SSN ( I have a SSN ). What I 've learned is that person is even of an opposite sex. I disputed twice for it on Equifax , waiting for almost 2 months but never get it resolved. It should be a simple issue but I was so disappointed about the result.
Consumer complaint received 2015-11-06
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (NJ)

To whom it may concern : My husband and I ( XXXX XXXX and XXXX XXXX ) are sending a written complaint regarding the bank JPMorgan Chase Bank located XXXX, NJ for the following reasons : When we started with the process of our house loan a representative by the name of XXXX XXXX in XXXX/XXXX/2013 began to assist us. However, for some reason he stopped working at this bank and our entire process was delayed and we were informed that a new representative would be following up with us by the name of XXXX XXXX. However, XXXX never followed up with our case and no one from the bank contacted us regarding our status in the process. I then started to make the calls on my own to find out how the status of our loan was taking progress. This negligence of irresponsible representatives that were assisting us caused a delayed in the closing of our first home. Due to these inconvenences the closing of the house was finally done XXXX XXXX, 2013 when it could have been processed earlier. I would like for you to consider all these neglectfulness by this particular bank and reconsider that as I client of JPMorgan Chase Bank we should have met the criteria to change MIP premium requirements of FHA loans that took effect for those who had a case number assignment date before XXXX XXXX, 2013. I have attached documentation that proves that our process had began by XXXX/XXXX/2013. Please I would appreciate if you reviewed this information and assist me in the best possible way so that we can qualify for the resolutions that applied before XXXX XXXX, 2013. 





Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX stWest New York, NJ XXXX # : XXXX
Consumer complaint received 2015-11-06
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (PA)

Hello - I have a mortgage with Wells Fargo. Back in XXXX I met XXXX XXXX from XXXX associates. He said he can help me get a lower rate with my mortgage and lower payments. My expenses went up. Higher car payment and my husband hit a parked car in the ice left his name on the windshield and his insurance went up. In the meantime I told XXXX I had a modification back in XXXX 2014. Little did I know that FHA modification are only every 2 years. XXXX told me that does not matter. I paid him {$1900.00} and wells fargo did take the application back in XXXX but I need a quit claim deed to take my father in law off the income because he is a co-signer. It took sometime and months went by I will still needing the deed the get recorded. With the XXXX here and a case of bed bugs in XXXX hall it took longer that I thought. When I spoke to Wells Fargo they said we could not help me until the 2 years was up. Why did they take application and not tell me so many months went by now I owe {$8000.00} and it will go in foreclosure unless I get that payment. I was scammed by XXXX XXXX and I think because of that Wells Fargo should help me with somekind of assistance because they communicated with him and went along with not telling me it was impossible. Please help.
Consumer complaint received 2015-09-14
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NY)

I originally had a fixed rate HUD loan through the XXXX XXXX XXXX. It was sold to Carrington Mortgage a few months ago. After a few months of their ownership the loan was increased by XXXX per month with no legitimate reason. The reason I say this is, I was given an explaination by one of Carringtons employees. When I went to my municipalities Clerks office as well as the Assessors office what they told me did not match what Carringtons employee told me. According to Carrington, there was a new educational building being built and there was new assesments on our properties. That is not the case the City official verified that. So somewhere there is a mistake or something is not right with this company. This needs to be looked into. How often are they doing this type of thing to homeowners? I have attempted to get further detailed information but I have n't received anything yet.
Consumer complaint received 2016-01-27
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: Ditech Financial LLC (NC)

Ditech/ Greentree started foreclosure on a property that I used to live in. The house was foreclosed on in XX/XX/XXXX by XXXX. Ditech started foreclosed in XX/XX/XXXX. Ditech admits that they should have never had the mortgage and they took it off of my credit report. However they say that the account will remain open. Which makes no since if they should have never had the mortgage. Ditech says I owe them no money. I need them to report to the credit bureaus that the account is closed and that I owe them no money. Also XXXX says I owe them no money. I 've talked to both companies and each company tells me to contact the other company. If I owe neither company money I do n't see why they ca n't close my account.