davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

THIS IS NOT A DUPLICATE On XX/XX/year>, I received a letter from XXXX stating that they had completed an investigation into the collection account with XXXX XXXX XXXX related to XXXX XXXX XXXX XXXX, and that the investigation verified the debt. However, it is clear that XXXX did not complete a thorough investigation for several reasons : Inaccurate Spelling of My Name : XXXX does not have the correct spelling of my name, which I have provided them through my previous communications and complaint submitted to the CFPB on XX/XX/year>. The continued use of an incorrect spelling demonstrates that they did not accurately or thoroughly review the information I provided. 

Failure to Provide Requested Documentation : I requested specific information from the debt furnisher, including the contract assignment, which has not been provided to me within the 30-day period as required by law. There is no way that XXXX could have verified the inaccuracies reported by the debt furnisher without this documentation. 

Legal Violations : Fair Credit Reporting Act ( FCRA ) Violations : Section 611 ( 15 U.S.C. 1681i ) - Procedure in Case of Disputed Accuracy : XXXX failure to conduct a thorough investigation and their verification of the debt without receiving the necessary documentation from the debt furnisher constitutes a violation of the FCRA. This section mandates that if a consumer disputes the accuracy of any information, the credit reporting agency must conduct a reasonable investigation and delete or correct any inaccurate, incomplete, or unverifiable information within 30 days. 
Section 611 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) - Requirement for Reinvestigation : Since the proper documentation was not provided to me within the 30-day period, XXXX can not legally claim that the debt was verified. Therefore, they are obligated under the FCRA to delete this account from my credit report. 
Section 605 ( a ) ( 15 U.S.C. 1681c ) - Requirements Relating to Information Contained in Consumer Reports : XXXX is required to report only accurate information. The continued presence of this collection account, despite its inaccuracy and the failure to receive the requested documentation, is a violation of this provision. 
Falsification of Investigation Results : The fact that XXXX claims to have verified the debt without receiving the necessary documents suggests that they have falsified the investigation results. This is a serious breach of their legal obligations under the FCRA and further supports the need for immediate deletion of the account.
Consumer complaint received 2019-08-08
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A. (NC)

PNC Bank is so unprofessional and made me waste my time and money! I walked in on XX/XX/XXXX to apply for a mortgage loan & the first thing I did was ask if I could apply for the loan with my XXXX XXXX   because I was XXXX XXXX XXXX. I am under whats called XXXX, XXXX XXXX XXXX XXXX XXXX which allows us to XXXX and XXXX XXXX in the U.S, I am aware not all banks accept that or will only approve your loan untill your XXXX expires and thats WHYY it was the FIRST thing that I asked & I was told that they do accept it. I had all the documents needed that day because I had previously applied at other banks, I had my W2, tax returns, pay stubs, bank statements, proof of down payment, social, ID, EVERYTHING. The lady that helped me took copies of what was needed to send to the loan officer & later on  was told I got pre approved. I picked out the house I wanted and went from there. My loan officer almost NEVER called me to let me know anything about the loan it would always be my realtor having to call him and get updates. They asked for the earnest money and due diligence which was {$2000.00} total. I was told that if I backed out I would not get the money back but I NEVER backed out. I was willing to continue untill the house was mine! Then they asked for the appraisal money and that was {$600.00}. My closing date was set for XX/XX/XXXX but they kept asking for more and more documents and asked for a copy of my XXXX XXXX, so the date got moved to the XXXX. Comes XX/XX/XXXX and my realtor has to call the loan officer early in the morning to confirm & the loan officer tells her we can not proceed with the loan because I am not a XXXX XXXX and can not do a loan with my XXXX XXXX, she asked him if he spoke to me already and he said no. I waited all day for him to call me and he never did so I called before XXXX and thats when he told me we could not proceed. My point is I clearly asked before I started the process if I could apply with my XXXX XXXX and was told yes, made me spend {$2600.00}!! Money that I have to work hard for and is not growing on trees for them to say no the DAY OF CLOSING?? and tell me I cant get my money back?? Its YOUR fault for saying you DO accept my XXXX. If they would of said no I would of NEVER wasted my time with PNC.
Consumer complaint received 2023-04-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX  have VIOLATED my rights per 15 USC 1681b Permissible Purpose, I have not given written consent for this company to report on my consumer report nor did I give the consumer reporting agencies any written consent to place this on my report. Reporting this is considered identity Theft!
Consumer complaint received 2024-09-20
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 am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 

The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with confirmation of these corrections. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-10-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (GA)

Here is the email i sent them most recently : Hi- I've tried to log in multiple times but the website is down. Many other times i try to reset my credentials only for your servers to take hours & days to email me back. When I finally am able to send a message here, I get an email that says 'We 're sorry for the delay in our reply ' & still no reply! 

The lack of attention to detail has been extremely frustrating. I have submitted complaints to thXXXX XXXX XXXX & CFPB. 

If you can not speak to be, you can not accrue interest on my account. Reverse these fees & confirm the original balance of the debt you bought from Great Lakes or I will have to take legal action. You have until the end of the year. 42 business days. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-19
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (PA)

In XXXX multiple of my accounts where compromised threw a credentials leak. Synchrony accounts being one of the effected along with multiple other banks and lenders with differing fraud attempts. 

Synchrony Bank issued a new card at the end of XXXX and started a fraud investigation on the transactions at Amazon deciding in my favor. I then recived the new card, but noticed yet another new change on the account in the sum of XXXX for a dress purchased from Amazon. I promptly disputed this new charge back in XXXX, then a few days later un-expectedly a dress shows up on my door step. There is no orders in my amazon account for this dress, nor is it an item I would purchase. Since then I have had the card frozen since I can't trust that new unknow changes will appear on the account. 

No one has yet to offer any information as to how I got this item, who ordereded it, where it was ordered from. It's not acceptable to be mailed and billed for random stuff.
Consumer complaint received 2024-10-15
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION (IA)

In XX/XX/XXXX, I received a student loan from Sallie Mae. In XX/XX/XXXX, I completed my XXXX XXXX XXXX and began making payments on the loan. In XX/XX/XXXX, I enrolled in a XXXX XXXX  XXXX  at the XXXX XXXX XXXX . My loans were automatically enterred into deferrment. 

In XX/XX/XXXX, I began receiving bill notifications from Sallie May for approximately {$270.00} a month. I believed this was in error. Upon calling the agency, I was informed that even while enrolled, you can only defer payments for 48 months. This means that I have to come up with {$270.00} while still enrolled as a XXXX XXXX XXXX. 

My mother is listed as the co-signer on the loan. She is now retired and ill. When I called to seek another deferment until I graduate in XX/XX/XXXX or an income-driven repayment plan, I was denied by Sallie Mae .
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (TX)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2024-10-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (CA)

My current loan should not have an escrow/impound account associated with it. ShellPoint servicing created one with no reasoning or justification to do so and my mortgage payment has increased {$1100.00}. Here is a timeline of events so far. 


XX/XX/XXXX : My insurance renewal date was due XX/XX/XXXX. I paid it online on XX/XX/XXXX. 

XXXX XXXX XX/XX/XXXX : Received letter dated XX/XX/XXXX from ShellPoint claiming they had not received renewal notification of insurance yet. 

XXXX XXXX XX/XX/XXXX : ShellPoint notified us that an escrow account was created and attached to our mortgage. Verified they adjusted by auto payment and increased it {$1100.00} On XX/XX/XXXX : I called customer service and spoke to XXXX. She created a customer service claim, and stated that this should be a quick remedy if the loan was never suppose to have an escrow account. She requested I send proof of payment for Homeowners insurance to an email account. Which I did that day. 

On XX/XX/XXXX : I called again to follow up as there was no change noted on their webpage portal. I spoke to XXXX XXXX and she reviewed the notes the prior claim established on XXXX was closed on XX/XX/XXXX with no resolution. She escalated the issue. 

XXXX XXXX XX/XX/XXXX : Received letter stating escrow cancellation request was denied for reason that the loan had not properly seasoned. 

On XX/XX/XXXX : I called again with my original loan advisor with whom I created the loan with. We first spoke to XXXX who eventually escalated us to XXXX a Manager. We were assured that management would be contacted and they would reach out to me to address the issue. 

Letter Dated XX/XX/XXXX : Stating my request for information of the loan owner and saying it belonged to XXXX XXXX XXXX XXXX and that ShellPoint had requested information from them to forward along to me. I never requested this information. 

XX/XX/XXXX : Monthly mortgage draft was made and the {$1100.00} increase was included. 

I have spoken to them over the phone for over 2hrs, written them emails. Shared the proof of renewal of insurance, Had my insurance agent forward the proper COI 's, and have also emailed them with the original Closing Disclosure, Escrow Waivers, and California Loan Impound Disclosure and Waiver. And they have yet to correct the error.
Consumer complaint received 2024-05-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (AL)

i have a joint account with my brother. we receive a check from a renter each month and it is deposited in my brothers checking account ( private to him ) and he intern issues a check to me for 1/2 the amount sent from his account by wells fargo check sending service. in XX/XX/2024 in preparation for my tax return i review in and out checks. i noticed that there was one wells fargo rent check missing from XXXX XXXX in XXXX of XXXX i started the investigation and the process to recover from wells fargo for the lost check. i was referred to a fraud department representative. i was further referred to someone who could issue an affidavit and send to me. after a month with no correspondence i called again and started the process over again. after another month with no correspondence i called again. they assured me that it was sent. the address was incorrect. i retrieved it from the incorrect address. i completed the form and sent it precisely to their proper address after having it notarized. 
after 3 or 4 weeks i checked on the status of my claim. they let me know that they had never recieved it. so i started the process again and again and again with no results. a wells fargo branch person who advised corporate that the signature was wrong. he asked his contact for me multiple times with no response. they also promised return phone calls to me without doing so. can you help with this? the check ifor XXXX and is important to me as i am retired
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Description of the Issue : I am submitting this complaint due to TransUnions failure to allow me to submit or check the status of disputes online, despite having provided me with a copy of my credit report. Additionally, TransUnion has not updated my current address on my credit report, despite my having submitted proof of identity, including a copy of my drivers license, Social Security card, and a recent utility bill. This situation is causing significant issues, especially due to my XXXX, which makes managing disputes by phone or mail extremely difficult. 

Details of the Issue : 1. Lack of Online Dispute Accessibility : XXXX website indicates that the online dispute service is not available at this time. Without online access, I am unable to submit or track disputes efficiently. This lack of access restricts my ability to correct inaccuracies or make necessary updates on my report promptly, which I am entitled to under the Fair Credit Reporting Act ( FCRA ). 
2. Failure to Update Address : I have submitted the necessary documentation, including my drivers license, Social Security card, and a utility bill, to verify and update my current address, which is XXXX XXXX  XXXX XXXX, XXXX, NC XXXX. However, TransUnion has not made this update on my credit report. This omission is problematic as it prevents accurate reporting and hinders other financial and verification processes where a correct address is required. 
3. Impact of Disability on Alternative Dispute Methods : As a person with a XXXX, I face challenges using the phone or mail to manage these issues. The lack of online access significantly limits my ability to address these concerns independently and promptly. Online dispute access would allow me to handle disputes more efficiently without needing additional assistance. 
4. Request for Resolution : I am seeking intervention from the CFPB to ensure that TransUnion provides online dispute accessibility or an alternative accessible solution. Additionally, I request that they promptly update my address to XXXX XXXX  XXXX XXXX, XXXX, NC XXXX, as verified by the documents I submitted. 

Supporting Document : I have attached a screenshot from TransUnions website showing the unavailability of the online dispute service, along with documentation verifying my current address.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Information on collection accounts are not being reported accurately to each of the three credit agencies. XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX are all reporting incorrect and inconsistent information to each credit agency.
Consumer complaint received 2024-10-25
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 (GA)

Wells fargo Fraud Claim Case # XXXX Dear Sir or Madam : I am writing to dispute fraudulent XXXX charges on my account in the amounts of {$5000.00} and {$5000.00} ( totalling {$10000.00} ), and posted on XX/XX/XXXX. I am a victim of identity theft, and I did not make these charges. On XX/XX/XXXX I called WellsFargo XXXXraud department and was told my claim was denied and closed. I am requesting this case to be reopened to provide further evidence. Police have been contacted, report to follow. Statement included on Identity Theft Report below. Furthermore, I request that you remove the fraudulent charges and any related finance charges and other charges from my account, send me an updated and accurate statement. on XX/XX/XXXX, I received text notifications from a wells fargo phone number that 2 recipients were added to my wells fargo XXXX account. i checked my account and they were indeed added. within seconds i received a call from a person claiming to be wells fargo fraud dept asking if i initiated transfer to these 2 individuals. i said no, they sent me a texting asking to verify my identity. i provided them the code in text. They said the charges are pending and would be returned by monday. They processed XX/XX/XXXX in a total of $ XXXX. i called wells fargo directly at this time. They denied contacting me friday. I also received a text asking if i was togging in from XXXX texas. i also received notice that my data was leaked in the change healthcare breach on XXXX. On XX/XX/XXXX wells fargo denied my fraud claim ... .See attachment for full text. 

on XX/XX/XXXX I received report that this case was closed and wells fargo not only refused to provide a copy of the investigative report. Wells fargo is currently under investigation by XXXX XXXX for their refusal to return funds stolen viXXXX XXXX I will continue to seek legal action. They closed the case immediately despite pending police reports and refuse to provide a copy of the investigative report. They also immediately closed case and told me that it will not be reopened no matter what evidence I present because it is XXXX related and they do not have to reimburse XXXX. I am shocked by this and will continue to fight for myself and others being affected by wellls fargo fraudulent business practices.
Consumer complaint received 2024-10-26
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Professionals, Inc. (WY)

In Complaint # XXXX the collection agency owner stated in his response on XX/XX/year>, that " As a courtesy to the consumer we have requested to have this account removed from credit reporting. Thanks, XXXX. '' In Complaint # XXXX on XX/XX/year> again the owner of the collection agency stated " Typically this can take up to 30 days for the removal process. Yes we have already requested to have them remove as I explained in my previous response. Thanks, XXXX. '' We now know that this is not true as on XX/XX/year> Confirmation # XXXX from XXXX this debt was " VERIFIED AS REPORTED. '' As stated on the document from XXXX " Verified as Reported '' means, the reporting company has CERTIFIED it is reporting the item correctly. So, how can he promise to remove the item on XX/XX/year> but then CERTIFY on XX/XX/year> as the debt being valid. 

This is a SEVERE violation of the Fair Debt Collection Act.
Consumer complaint received 2024-10-25
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (AZ)

Applied for, was accepted for and ordered a specific Citi XXXX online with a specific XXXX XXXX promotional offer. 
Received an entirely different card with a lesser promotional offer. 
Called customer service and was told to email the details to XXXX. 
Did so, waited XXXX business days, received no response. 
Contacted customer service again via chat and email. No response. 
Being totally ignored now. 
Bait and switch - ordered one thing, received another and now... crickets.
Consumer complaint received 2024-10-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (WA)

i received a letter from a debt collector, Penn Credit Corporation, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year> stating that I owe the utility company, XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX for unpaid utility services in the amount of {$400.00}. 
I responded to dispute the charges stating that this is not my bill and that I have never purchase or received products or services from XXXX XXXX. 
I received another letter from Penn Credit Corporation stating that they have obtained verification of the debt from the original creditor and that they will continue with collection process. 
In my response to this letter, I pointed out that the customer name on the Account Transaction Details is 'XXXX XXXXXXXX XXXX whose service location is XXXXXXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX. 
My name is also XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. 
XXXX XXXX does not provide utility services in my zip code. 
This case has caused me a lot of stress and inconvenience doing business with vendors I do business with on a regular basis. My credit score dropped XXXX points as a result of this error inspite of the fact that the original creditor and the collection agent has the right customer and address on the Account Information/Transaction Details.