davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report.
Consumer complaint received 2021-02-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (MN)

XXXX XXXX, XXXX XXXX, I received an email saying " Hooray, your order is confirmed! '' saying I bought {$470.00} worth of bitcoin through XXXX XXXX which I had not. Then it said " Issue with this transaction? '' call the resolution center at XXXX XXXX XXXX. I did and they offered to put {$500.00} in my checking account ( which they already had access to, unknown to me ) so I agreed out of fear because that account had a lot of money in it due to a recent property sale.They put a screen on my computer called XXXX XXXX and told me to enter {$500.00}. When I did it changed to {$50000.00} and the decimal point disappeared.They acted very upset and said I needed to return the money, directed me how so I did believing I had someone else 's money.What followed was an offer to give me {$2000.00} for my trouble and send a wire transfer to XXXX for {$48000.00}. I was given all the name & banking information to do the transfer so I went to my bank, Wells Fargo, to obtain the wire transfer. My main issue is their knowledge of the bank account number without me telling them ; they said I opened a XXXX account with it XXXX, which I did not. I have filed a local police report, filed a wire transfer claim with Wells Fargo and was told it's too late, I notified XXXX as their logo was at the top of the email & I obtained legal advice.
Consumer complaint received 2021-02-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (FL)

Pnc bank mortgage account XXXX closing was on XXXX. Amount is {$110000.00}. On XXXX {$950.00} was entered into my pnc bank account - checking without explanation but close to amount that was to be distributed to me. 
The complaint is that no accounting was sent to me and most importantly the funds have not been paid by pnc to previous mortgagee and no funds have been paid on 3 credit card accounts as was scheduled. Interest charges keep accruing. 
Pnc loan processing has failed to distribute funds. Also, there seems to be no loan processing communication with pnc mortgage dept.
Consumer complaint received 2021-07-07
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: National Credit Adjusters, LLC (AL)

A bill does not imply that these account are valid, anyone can send a bill a claim ownership. I do not have any agreement with these company a contract showing that I have legal obligation to pay them. I am requesting you to send to me all the paperwork associated with the mentioned accounts.
Consumer complaint received 2021-02-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (MO)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found several items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

ACCOUNT : XXXX XXXX account number ending in XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2021-02-19
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (PA)

I reside in Pennsylvania, and the Department of unemployment compensation sent me a US Bank Relia Card. My Pandemic unemployment Assistance ( PUA ) unemployment compensation payments has been deposited to US Bank Reli card. I went to make a withdrawal at XXXX XXXX, and I am also a customer with XXXXXXXX XXXX and an account holder. I tried to make a withdrawal and each time the XXXX XXXX  would want to charge me a fee of {$3.00} cents per withdrawal. I also tried to to transfer my PUA payments to my primary checking or saving accounts without much success each time more than three times.
Consumer complaint received 2021-07-06
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. (CA)

XXXX XXXX NEEDS TO BE DELETED FROM MY CREDIT REPORT. I HAVE ATTACHED A LETTER FROM XXXX XXXX STATING THIS ACCOUNT WOULD BE REMOVED FROM MY CREDIT REPORTING. XXXX AND XXXX HAS SUCCESSFULLY REMOVED THE ACCOUNT. EQUIFAX HAS YET TO DO THEIR DUE DILIGENCE.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IL)

I am writing to formally submit a complaint regarding an unauthorized credit inquiry that appears on my Experian credit report, which has been unjustly left unresolved despite my attempts to address the issue directly with the credit bureau. Upon reviewing my credit report, I identified an inquiry dated XX/XX/year>, from XXXX XXXX  XXXX, which I did not authorize. I have my Report FTC # XXXX reporting the situation, According to Section 604 of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are only permitted to provide credit reports under specific circumstances. However, in this instance, no permissible purpose exists for this inquiry, as outlined under 15 U.S. Code 1681b. The creditor has failed to provide any documentation or proof, whether written or verbal, demonstrating that I authorized this inquiry.Additionally, under Section 609 ( a ) ( 1 ) ( A ) of the FCRA, the consumer reporting agency is required to verify each inquiry listed on my credit report by producing the original signed contract or authorization from the consumer. Despite my formal request, no such verification has been provided, and the inquiry remains on my report. This failure to verify raises concerns about potential fraudulent activity, which could negatively impact my credit report and financial standing.Experian has denied my requests to remove this unauthorized inquiry, which directly violates my rights under the FCRA. As a consumer, I am entitled to accurate and verified information on my credit report, and this inquiry does not meet the legal requirements for inclusion.I respectfully request that the CFPB take immediate action to ensure that Experian complies with its obligations under the FCRA and removes this unauthorized inquiry from my credit report. I appreciate your prompt attention to this matter. 
Regards XXXX XXXX
Consumer complaint received 2021-02-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

Regarding : Specialized Loan Servicing LLC Account # XXXX Going back several months I have been making additional payments directed to lowering the principle balance of account # XXXX. The Mortgage is held by Specialized Loan Servicing LLC. My additional principal payments are not applied in timely manner to the principal. SLS ( Specialized Loan Servicing LLC ) holds the funds in suspense account and on the following billing statement the additional principle payment is not applied. The last two months I have directly made payments using the online payment method and using the specific additional principle payment option on the SLS payment site. There is no compliance and consistency of them correctly and in a timely manner applying the additional principal payments to my principal balance does not exist. sometimes they apply the payment and sometimes they apply it to the following months. 
On XX/XX/2021 I made my regular Mortgage payment and sent an additional principal payment of {$370.00} to date they have not applied the {$370.00} to the principal balance, the XXXX billing statement reflects a suspense balance of {$370.00} in unapplied funds, and a lower XXXX payment due. I have sent them Online communications of this Book-keeping error the previous times it has occurred they have not addressed it and in some instances they ignore my online messages making it necessary for me to call and speak to a representative.
Consumer complaint received 2021-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

XXXX XXXX XXXX reported XX/XX/2020 30 days late to all the credit bureaus. I made the payment at or before the XXXX XXXX  Mountain time cutoff but the transaction history shows that the payment was made at XXXX XXXX  so they processed the payment on XX/XX/2020. This caused the account to appear to be 30 days late. I called and asked them to correct the issue and they said that they could not and the issue is closed with their Consumer Escalations department. I told them that I would be filing a complaint with this agency and they responded that they would not remove it and the case is closed. This report is inaccurate because I was not 30 days past due and this has completely damaged my credit rating and caused me to be rejected for a refinance of this mortgage. I just want this to be corrected as soon as possible.
Consumer complaint received 2021-02-19
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: Bread Financial Holdings, Inc. (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Comenity Capital Forever 21. The Account Opened is Comenity Capital Forever 21 Account Number : XXXX Date Opened : XX/XX/2017 Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2021-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (TX)

I paid off the Sheffield note, but they didn't give me the exact payoff on the date I paid it. Obviously, they neglected to include an imminent accrued interest of {$5.00}. So {$5.00} was left owing on the note. I actually asked for the current payoff on the telephone and PAID IT THAT DAY, so this was the clerk 's mistake for giving me the incorrect payoff. The clerk also confirmed the note was paid in full at the time. It was not until the " late payment '' showed up on my credit report that I even knew there was an issue. ( I did not receive any additional payment requests ) At the time, I spoke with Sheffield, they apologized, I paid the {$5.00} and they assured me my credit rating would be returned to " Paid as Agreed '' but I see it is STILL showing I was delinquent. Since the company didn't remove the error as they agreed, I felt you were my only option to getting this issue resolved.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

They are reporting an account for XXXX XXXXXXXX XXXX  as having late payments when it does not. The creditor sent Experian, XXXX, and XXXX all a notice over 60 days ago stating a request to remove the late payments. They also sent the same letter to me as a reference. The reporting agencies have yet to remove the late payments stating they are verified, they cant be verified if the creditor requested removal.
Consumer complaint received 2021-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (CO)

XX/XX/2021 Unable to get annual free credit report from Experian. They took all my personal information name, address, SSN, phone, e-mail and replied by stating they are restricting access to my credit report to prevent identity theft. Credit report links to a visual broken maintenance icon but no other page links. Phone number links to an automated message service that redirects you to re-register through the internet page that doesn't work to begin with. They are collecting people 's identities and personal information with the promise of giving you your annual credit report but then are not issuing the report and purposely not allowing you to contact them directly. Why isn't this being looked into? Please help consumers.
Consumer complaint received 2021-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I was affected by XXXX, XXXX XXXX XXXX closed my account and removed online access giving me no ability to pay the account while hospitalized. Upon my recovery, I was able to call ( my only remaining access to the account ) and resolved the delinquency. I attempted to resolve the matter with XXXX XXXX XXXX, who states they are reported the delinquency correctly and will take no further action. While I would have liked to have known when the onset of XXXX was to happen and contact the bank in advance as the CARES ACT suggest, this was not realistically possible. After the fact, although the matter is resolved, it would seem neither XXXX XXXX XXXX  or the 3 Credit Reporting Agencies will assist in resolving this matter, as a result, my FICO score has plummeted 50 points. The intent of the CARES ACT was to address situations like mine, but was not specific enough to compel either XXXX XXXX XXXX  or the 3 Reporting Bureaus to assist in resolving this issue so negatively impacting my credit. I took great care to attempt to resolve the matter by paying the delinquent balance caused by the bank who removed online access and by contacting the bank and the bureaus to dispute reporting only to hear they say it was accurate. While this may be true, the issue now resolved, was directly related to XXXX  and has had a dramatic negative impact on my credit score. The issue was caused by the bank removing online access to an account they closed because a check did not clear while I was hospitalized. Upon closure of the account they removed all access to the account except for mail or phone in the middle of the pandemic, a lack of empathy I will never understand. The credit reporting bureaus will do nothing about the issue except to report what XXXX XXXX reports. Leaving me unable to resolve the matter and experiencing a 50 point drop in my credit scores.
Consumer complaint received 2024-10-18
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. (IA)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX block information appearing on my XXXX XXXX report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of A cell phone account opened at XXXX on XX/XX/XXXX Account number ( XXXX ) an auto loan opened at XXXX on XX/XX/XXXX Account number ( XXXX ) an auto loan open at XXXX on XX/XX/XXXX ( XXXX ). Unauthorized inquiries XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX NA XX/XX/XXXX, XXXX XXXX NA XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 as proof from the XXXX 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 2021-02-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (MD)

To Whom it May Concern : I am having the worst experience with the " loan depot '' servicing department in New Jersey. Every time I call I am put on hold for over 30 minutes. Currently, I am on hold with the new jersey office for over 41 minutes with no response. I called an hour ago and was able to reach a representative who put me on hold to look into my account and the call was dropped. I had the most amazing experience on the financing side so this is completely disheartening. I made a {$710.00} payment on XX/XX/XXXX and it was never credited to my account because my bank had blocked my bank draft for XX/XX/XXXX. Loan depot is now trying to send me to collections saying I am behind by one payment and hasn't credited this {$710.00} payment to my account. I also made a full payment of {$1200.00} on XX/XX/XXXX as well. This is going to affect my credit horribly, so I am trying to get this addressed by the end of the month. My {$710.00} payment was pulled from my account but is not credited towards my mortgage and is lost somewhere. That is a large sum of money to have just sitting out in the atmosphere. I have also sent two emails through my payment portal ( see attached screenshot ) that have gone unanswered. I emailed XXXX ' on XX/XX/XXXX as directed by the new jersey office with my bank statement showing the money pulled out. Then, today I was told that was the wrong email and it needs to be sent to XXXX. I emailed them today and I have receipts of every phone call and email I've sent. 

Please see the attached supporting documents and all the emails that have gone unanswered. I can not correct the issue because the communication and customer service has been awful. I have called over 20 times between XXXX with no resolution.
Consumer complaint received 2021-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

XXXX LATE PAYMENT INCORRECT REPORTING. I opened this account in XXXX whenIi moved to XXXX XXXX XXXX # XXXX XXXX, NY. A year later I moved to XXXX XXXX XXXX, XXXX NY XXXX and the following year I moved back to the same apartment ( XXXX XXXX XXXX # XXXX XXXX NY XXXX ) during the process of moving back, the XXXX agent wrongly left the account from XXXX XXXX open instead of forwarding my account to the new address. The agent opened a new secondary account on the XXXX XXXX XXXX address leaving me with two open accounts while continuing sending bills to XXXX XXXX XXXX. XXXX NY XXXX. Late in XXXX of XXXX I discovered through my credit report that I have over {$600.00} collection account open with XXXX, despite me paying my bills. After months of investigation and escalations, finally a manager from the executive department apologized for their mistake and told me that if I pay off a balance of around {$270.00}, they would remove the account from my credit. Here is the case number that pertains to the above information, and to the removal of the verizon account. Escalation Case number : XXXX Unfortunately, after following the managers directions and paying the balance, the account is still being listed on my credit report despite my disputes and XXXX promises. Please remove this XXXX account immediately as it is causing unjustified and unreasonable damages to my credit and to my life. XXXX LATE PAYMENT INCORRECT REPORTING.
Consumer complaint received 2024-10-18
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. (IL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX - XXXX XXXX XXXXXXXX Balance : {$550.00XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX, XXXX XXXX Balance : {$2000.00}