davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite my initial dispute and the provision of supporting documentation, this late open account persist, negatively affecting my creditworthiness. This letter serves as my second attempt to request the correction of this inaccuracy. However, despite my efforts, this late open account continue to be inaccurately reported on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and up-to-date credit report. The presence of these late open account not only violates the FCRA but also undermines my ability to access credit, secure loans, and make sound financial decisions. I kindly request that your agency conducts a thorough and comprehensive reinvestigation into this late open account, reviewing the documentation I have previously provided and any new information that may be relevant. It is imperative that you take immediate action to correct this error and ensure that my credit report accurately reflects my payment history. I urge you to prioritize this matter and provide a written response within the legally mandated XXXX-day timeframe, confirming the correction of the late open account on my credit report. With this, I am asking for your assistance to correct the account : XXXX XXXXXXXX XXXX Balance Owed : {$1100.00}.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (NJ)

Carrington mortgage is reporting my mortgage as closed when it is not to credit reporting agency and not reporting current payments to credit reporting agency. Also I have a bankruptcy that is discharged and over 7 years old that was reported to credit agency by Carrington. I was told by Carrington mortgage that if i wanted my payments to be reported to credit agency that i had to refinance mortgage to todays interest rate which is higher than previous.
Consumer complaint received 2024-06-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX
Consumer complaint received 2024-06-03
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)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 2017-11-01
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (CA)

My name is XXXX XXXX XXXX and I am using my Sons email since he has power of attorney. I do n't have an email account. I am XXXX years old. 
XXXX XXXX XXXX sold my reverse mortgage to XXXX XXXX. 
Since XX/XX/XXXX I have had problems for 4 months trying to get a withdraw to pay my bills and taxes. I have called 24 times spoken to almost all the customer service people and a manager XXXX. 
I requested {$7000.00} dollars in XX/XX/XXXX, they show sending it to me via Check. Never made it to my home. They said they cancelled the check and asked me to fill out another request and that they would credit my account. 
I sent in another request in XX/XX/XXXX with a voided check and direct deposit request fully filled out in XX/XX/XXXX. They show sending me another {$7000.00} that I did n't receive into the bank. When I called asking why I did n't get it in my bank account they showed missing a digit on my bank account and bank rejecting the deposit. However charged me {$7000.00} on my statement. So now I have {$14000.00} they show I took draws for that I never received. So I called them again they said they cancelled the {$7000.00}, however I still showed {$14000.00} taken out of my account and added to my loan amount. In XX/XX/XXXX again they said fill out another request for funds so I did in the amount of {$8000.00}. Also sent in another bank check voided with all the information so they can correct the Bank Info. They still had the wrong bank acct number missing one number. I said what does it take I have bills to pay and all I get is excuses and I have done everything they have asked and I have been without my funds for 4 months. They now show {$22000.00} taken out of my account as they tried to deposit the {$8000.00} again in the account missing a digit since they did n't update it. I again called and they said they would put this in on priority. It is now XX/XX/XXXX and I have n't received a dime in my account but they show over {$22000.00} plus interest and transaction fees added to my loan. This is fraud since the funds never left there facility but they are charging me. 
All I want is them to correct my statements as I have not received any money out of my account since last XX/XX/XXXX for {$3000.00}. This has put full stress on my XXXX year old wife and I am XXXX as we can not take this anymore.
Consumer complaint received 2024-06-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have consistently maintained timely payments, so I'm perplexed by an error in my credit report. I seek accurate, updated records that reflect my on-time payments for those accounts.
Consumer complaint received 2024-06-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account that needs to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-03-07
Product: Credit reporting, credit repair services, 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: Experian Information Solutions Inc. (PR)

Experian has my credit score blocked and after a month trying to contact them they give me miss information every single time and nobody knows why is getting blocked. My broker is unable to get in and see my credit report so I am about to lose a house I'm trying to buy because they can't give me a straight answer. They also refuse to transfer me to a supervisor. They offer call backs from supervisors that never happen. They have terrible customer service. One whole month and stay an unmeasurable amount of calls nothing!
Consumer complaint received 2022-03-07
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: EQUIFAX, INC. (PR)

This is a complaint against timeshare XXXX XXXX. We've worked with several people, Manager is XXXX and Representative XXXX # XXXX XXXX, Lawyer XXXX XXXX XXXX. They told us that we were making a good financial investment. I've never used this timeshare, I had it scheduled for XXXX until I find out they lied by promising me verbally that they're going to help selling the timeshare. They also told me XXXX, was going to put persons under my commission to earn points and benefits which is not proper. When I went they were under construction and it was going to be a mortgage inversion and I could cash out whenever I wanted. They also promised rental income, that market value is going up. They said resale value would go up and due to the place was under construction that I bought in perfect timing. They said I will make money from this if I decide to sell it as the resale value would go up and that they would help me to get out of the process for sure. Regarding maintenance fee, they told us the price wasn't going up, that it could be lower with more owners. They promised us things would be positively different each time things got worse because nothing they promised is in the contract. We were also told that it had some tax benefits similar to owning a second home which they used to coerce me to get this timeshare. We felt pressured especially when they said they needed " corporate approval '' in order to grant me the price being offered and it's our last chance at the lowest price. They offered gifts like a gold member card, 3 days and 4 nights for free, that they will help me get referral points. We were never able to use them because they scammed us. They have our ID and personal information during the process. They did not allow us to read the contract, everything said was verbally, the only thing they showed me the contract was to sign. They never gave me a copy of the contract, they only gave us the purchase agreement. We didn't know how to cancel, we were never properly educated on the cancellation process. They just told us they're going to find the buyers and I don't have anything to be worried about. We tried to call but no help was received, until we realized, it's already too late to cancel. We're having financial difficulties because of this, we're not even having profits from it as they promised. I'm having relation stress with my wife wanted to leave me because of the situation. I'm not able to concentrate in my work with all the lies they told me. I even lose sleep over the stress of the timeshare. We were highly pressured with their sales tactics, worst thing is I don't have physical proof, they didn't even give us a copy of the contract. I felt sure because of the lawyer present during that time but we were simply defrauded, we were lied to and taken advantage of.
Consumer complaint received 2024-08-01
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. (PA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under trafficking according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (PA)

My name is XXXX XXXX XXXX and I am wrote to Nelnet to request consideration in removing a late payment from my credit report associated with my student loan account. The late payment in question occurred in XX/XX/XXXX with a 90 day late payment out of the blue and another 90 day late payment in XXXX, XXXX with no 30 day or 60 day. This is inaccurate reporting. I have sent a copy of this letter to the credit bureaus and also to Nelnet asking to correct this error. 
I am currently aiming to achieve the goal of purchasing my first home. Unfortunately, the presence of this late payment on my credit report is hindering my ability to qualify for the most favorable mortgage rates. 
Therefore, I kindly requested that Nelnet consider removing this late payment from my credit report because it is an error and not accurate. I have consistently demonstrated responsible financial behavior, and removing this mark would significantly improve my credit score and allow me to pursue my goal of homeownership. 
Thank you for your time and consideration.
Consumer complaint received 2016-06-08
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (OK)

After multiple calls my homeowner 's insurance information is still incorrect with Nationstar. I have provided the information multiple times and have called several times trying to correct everything. Now I have been sent a 2nd and final notice of force place insurance if I do not update my insurance information. According to customer service representatives my information has been up to date and force placed insurance will not occur. However, the final notice letter was sent AFTER my account was supposedly updated. Luckily I am an educated borrower who works with mortgage compliance on a daily basis. Therefore, I know what I am looking at and understand what needs to be fixed. An attachment is included to further detail all the issues I have had in the past 6 months specifically detailing the issues still left unresolved ( shown below ) and what I have done to attempt to correct them. 
The current issues with my account are as follows : 1. Nationstar is trying to force place insurance on my mortgage in which they have insurance information on file. 
2. XXXX should be reflected as paid on XXXX/XXXX/16 in the amount of {$1400.00} not on XXXX/XXXX/16 in the amount of {$2600.00} as that is the amount that was incorrectly paid to XXXX XXXX 3. My online account still reflects my next MIP payment to be XXXX/XXXX/16.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (NY)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : 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  For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-06-26
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

XXXX erroneously sent a refund to my closed Bank of America Alaska XXXX credit card on or about XX/XX/2024. I called Bank of America and requested that the monies be refunded to me immediately. After numerous calls to the credit card company, I was advised that a check was mailed to me at my verified address on XX/XX/2024 however I never received the check. I was advised that I needed to wait 10 business days to request that the check be re-issued ; which I did on XX/XX/2024. I still have not received the check, so I contacted Bank of America again XX/XX/2024 and was advised that my request to reissue the check was still being processed and they are still within, their legal timeline. I have been waiting over two months to receive the money that was sent to Bank of America after my account was closed and XXXX and his supervisor XXXX today were of no assistance in assuring that this money gets refunded. I do not feel it is appropriate for the credit card company to withhold my money for two months
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you XXXX  days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

Your agency is in violation! 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX  years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 

I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 



XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/ Please remove it from my credit report.

2. 15 US-CODE 16921 XXXX XXXX XXXX XXXX  Account Number : XXXX Delete this account.
Consumer complaint received 2024-06-26
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (AR)

I opened a Home Depot credit card ( Citi ) after being prompted with an advertisment noting a {$50.00} statement credit and 6 months special financing of 0 %. I applied through the pop-up so as to receive the promo. As I have a security alert on my credit report, Citi needed to contact me to verify the credit request, which they did. Upon proceeding with the purchase, the advertised {$50.00} credit was not applied. I called to inform them & was told that the promo was an either/or promo. However, I informed them that I had taken a screenshot of the advertisment & it falsely states *and. * I believe this to be a UDAAP violation & informed them that I would be filing a CFPB complaint to inform the agency of the bank 's practice. They did apply the credit at my insistence ; however, the institution should not flagrantly disregard UDAAP by misleading customers in this way. I find it highly unlikely that my account is the only account that this has occurred to.
Consumer complaint received 2024-06-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (MN)

On approximatelyXX/XX/2024, my purse was stolen from my car in XXXX MN. The criminal went to a XXXX XXXX and charged {$510.00} on my visa debit Wells Fargo card. I immediately called the police and they filed a report. I called my Wells Fargo and reported my card stolen. The card was deactivated and I opened up a fraud claim and they gave me 'provisional credit ' in the amount of XXXX. 
I thought this had been all taken care of and I would get my XXXX back but about a month later in early XXXX I got a letter from Wells Fargo saying that they had completed their research and found that this was an authorized transaction and no error occured. The letter said that they were going to deduct then 'provisional credit ' from my account and that my claim was closed. 
I immediately called the claims department ( XXXX ) and pleaded with them to reconsider, as I was a victim of theft and had a police report to prove it. 
When I call them, I get no information on how my reopened claim is doing. They are very secretive about it, and I am very discouraged as Wells Fargo has a history of corruption in how they have treated their customers unethically such as the fake accounts scandal a few years ago. Please help me, I am not a wealthy person and XXXX is a lot of money for me. I don't know why WF is stalling, as they make billions every year and this is just pennies ( {$510.00} ) to them. I don't know what else to do. I have faxed them the police report. If you can do anything to help my case, I appreciate it. Thank you