davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-31
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. (CA)

I am writing with the utmost urgency to demand immediate action regarding the fraudulent accounts and erroneous information unlawfully reported on my credit file. As a victim of identity theft, it is imperative that this situation is promptly rectified. I insist that you take the following actions forthwith : Expunge all fraudulent accounts from my credit report. 
Provide written confirmation that these items have been removed. 
Conduct a comprehensive investigation into how these accounts were erroneously reported. 
Ensure that all future credit reports reflect accurate information and are devoid of any fraudulent activity. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-06-04
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. (GA)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-03-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (GA)

This Complaint is against Wells Fargo Bank ( Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX MN. XXXX. ) Request to ammendment credit bureau inquiry dated XX/XX/2023. Dispute ID # XXXX My XXXX Credit Report shows another WF Fraudulent inquiry dated XX/XX/2023 from W.Fargo. I have been experiencing Identity theft for 15 months thus far. I've asked W.Fargo to fully remove this Fraudulent Inquiry from my XXXX Report. 
Their response : we have contacted the Customer Reporting Agencies to request an adjustment to your Credit Report. This inquiry will be reclassified so that it is not reported to other requestors of your Credit Report. In accordance with the requirements of the Fair Credit Reporting, all inquiries will appear on your report for up to two years. 
This is not good enough!!! This is a Fraudulent Inquiry and I want this FULLY REMOVED FROM MY CREDIT FILE!!!!
Consumer complaint received 2018-09-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

XXXX XXXX Sent letter To you CFPB Case # XXXX Please check it, Portfolio recovery I sent letters 4 times disputing this as not mine to all 3 CRA and to portfolio Recovery enclose the letter from XXXX  XXXX stating not my account and bought it back from portfolio recovery the 3CRA investigated 4 times claiming portfolio recovery verfied account even tho they all received that letter for them to state they had no idea is false portfolio recovery CFPB case # XXXX states this. In my email reply to you CFPB MOnday XX/XX/XXXX XXXX pm Are 2 pdf response to this claim I am making now PDF XXXX XXXX you closed my case so I file another My rights are being violated and I feel there should be fines imposed for this 6 month fight i have been going through as a consumer they have damaged my credit embarressed me and my family I even wrecked my car thinking about this dispute the emomtional efects its had on me I want this removed NOW they have did enought damage .I have shown they were stalling and playing games
Consumer complaint received 2022-07-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Personal Finance Center (GU)

I am filing this complaint because as of this date XX/XX/2022 I have yet to hear any response from Personal Finance center on my complaint filed XX/XX/2022, and also PFC has not made any attempts to amend the situation regarding my mortgage and arrears payments, and at this point I feel that I am being harassed by PFC and their employees and their attorney XXXX XXXX. The whole time I have been dealing with PFC and their attorney XXXX XXXX they been very rude and have tried many times to intimidate me and have threatened me on serveal occasions that if I don't pay the arrears and the mortgage off that they will take my house away. And another example of thier harassment is that I have been summoned to appear in court in reference to a personal loan and also to see my salary when the bank knows what my salary is and that there are no changes to it and it is unnecessary for me to appear in court in regards to my personal loan because the vice president XXXX XXXX indicated that they would put a lein on the personal loan and combine it with the mortgage. I feel like Pfc and their attorney are trying to keep me in debt so they can take my house away and are trying to harrass and intimate me into paying off my mortgage and arrears payments instead of trying to work with me and come up with an agreement in regards to my mortgage and arrears payments
Consumer complaint received 2024-05-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I opened a money market at Fith Third Bank, the interst rate was 5.3 and when it was close to coming due I noticed that they only paid 2 %. I called and they checked it out and said yes I was right it would be fixed by the end of the week. 3 wks. later it has come due and the error was not fixed. They increased my rate but not what it was supposed to be. Called again on XX/XX/XXXX again spoke with a employee who verified that I was correct, Opened XX/XX/XXXX Due XX/XX/XXXX Money Market I have had many issues with this bank that has caused me countless hours of stress. 
I do not have any debt and they refused my husband and I a loan,
Consumer complaint received 2023-11-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION (NJ)

I will be eventually mobing my funds from Regions Bank after an attempted emptying of my bank account. I will have to go through the prolonged dispute process again and can only hope the infractionary account is suspended. I have done my best to protect myself, but when people have access to your debit card they will just use it to no avail. I am hoping the process is quicker this time and I can move my remaining funds over to XXXX XXXX. I am unfortunately on probation and the FBI tracks all of my online activity as one of the conditions. I would hope a temporary credit followed by a permanent in due order is expedient to rectify the situation.
Consumer complaint received 2024-07-31
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-20
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. (OH)

The date of XX/XX/2019 I Checked my credit report when I noticed a derogatory mark on my report from a XXXX XXXX XXXXI {$300.00}, XXXX {$580.00}, that I had not known existed nor was I in the know of the account being used. My Name, XXXX XXXX and my address is XXXX XXXX XXXX . XXXX XXXX XXXX, Ohio XXXX I am filing a complaint to dispute all existing accounts that continue to reflect on my report but are not my accounts and am asking that proof is shown that these accounts are in fact mine. Under Section 609, credit reporting agencies are required to disclose certain information to consumers who request it. Verifiable Proof. 
{ FRCA 607, 611, 609. } I noticed that there are addresses that are not mine showing as well. Please remove me from lexis Nexis, corelogic, Innovis, Sagestream. ( Gramm-Leach-Bliley Act ) 16 CFR 313.15 SECTION. ( 1 ) With the consent or at the direction of the consumer, provided that the consumer has not revoked the consent or direction. I do not nor have I given my consent to any consumer database to distribute or sale my information. 
I would like the following addresses deleted XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information is not accurate. The following addresses and the variation on my name are not accurate. Please delete all other variations of my name. I am no longer affiliated with those addresses. I would like to have my credit report to reflect true up to date information that is accurate.
Consumer complaint received 2023-12-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CT)

Hello, I am writing to file a formal complain against MOHELA for the constant negligence and disregard of my student loan processing. I submitted my IDR application XXXX XXXX XXXX. My application has been pending review for over 90 days. I have called this servicer 50+ times and have received misinformation constantly. I have waited for 3-4 hours daily to speak to a representative. I have scheduled over 30 call backs that have not been returned. I have been promised this matter would be escalated to supervisor/escalation units and have been blatantly hung up on. I have been promised processing times of 2-3 days, 5-7 days, and 10 days all amongst XXXX that which have NONE been adhered to. This loan servicers constantly has tried to push forbearance on my account multiple times. They have refused to reprocess a new IDR plan over the phone. I have sent complaint messages on XXXX XXXX XXXX XXXX which note will be responded to within 2-3 days, NONE of which have been responded to. I requested a full audit of this account which yet has not been provided. There is absolutely no way to get a hold of this servicer as when promised a call back- the call directly goes to VM where the agent attempts to report they called to respond - when they haven't. I have received the call back, placed into the waiting que, and have been forcedly disconnected and somehow the agent still has access to leave a VM? I was guaranteed the latest processing would be XXXX XXXX  and its still not processed however payment is due tomorrow. Not to mention my monthly payment has fluctuated for 3 months and MOHELA reps have no explanation as to why. There are so many discrepancies regarding my account, and it needs to be examined thoroughly and this servicer needs to be held accountable for all the false promises they have guaranteed.
Consumer complaint received 2024-05-14
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. (SC)

Dear [ TransUnion/Equifax/Experian ] Identity Theft and Fraud Department, I am writing to urgently address identity theft reflected on my credit report. On XX/XX/year>, I submitted a dispute regarding several unauthorized accounts and transactions appearing on my report. 

These accounts were clearly opened fraudulently, potentially by someone using a similar name or stolen identification. I never authorized, used, or benefitted from these accounts in any way. 

The Fair Credit Reporting Act ( FCRA ) Section 605B ( 15 U.S.C. 1681c-2 ) mandates that disputed information believed to be a result of identity theft be blocked within four business days of receiving a dispute. As of today, XX/XX/year>, it has exceeded this timeframe. 

I have attached documentation, including a copy of my original dispute and supporting evidence ( XXXX XXXX, XXXX XXXX, ID theft reports, sworn testimony ) for your review. 

I request immediate action to : Block the disputed accounts from further reporting on my credit report. 
Investigate the fraudulent activity and remove all unauthorized information permanently. 
I take the security of my credit report very seriously. Please confirm receipt of this urgent request and provide a clear timeline for resolving this matter. 

Thank you for your prompt attention to this critical issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-14
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. (CA)

I just recently looked at my credit report XX/XX/year>. I saw some hard inquiries that did not have permissible purpose. i also attached IDTheft report 1. XXXX XXXX XXXX  XX/XX/year> This inquiry has no permissible purpose to be on my report. Please delete this inquiry to violation of 15 USC 168 1b 2. XXXX XXXXXXXX XXXX  XX/XX/year> This inquiry has no permissible purpose to be on my report. Please delete this inquiry to violation of 15 USC 168 1b XXXX. XXXX XXXXXXXX XXXX  XX/XX/year> 4. XXXX XX/XX/year>
Consumer complaint received 2022-07-10
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)

Equifax still reporting an account that is fraudulently open and I reported and send the report to Equifax the account name is XXXX XXXX # XXXX. All the disputes I make they don't send me the evidence of they making an independent investigation and they don't accept my report, violating my rights.
Consumer complaint received 2024-05-14
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. (PA)

I am now requesting information regarding a previous investigation in accordance with FCRA 611 ( aI ( 6 ) ( B ) ( iii ). I submitted my dispute via CFPB # XXXX XXXX XXXX  and your agency acknowledged receipt on XXXX and sent me the results that 2 accounts were verified on XXXX I am requesting that you send me the Procedures you used that led to the 2 accounts below to be verified.

I would like to request all records that will reveal the Procedures that you used along with the name ( s ) of the person ( s ) you spoke with and their business name, address and telephone number ( s ).

Please send me the proof that my Privacy Rights were not violated because I gave no one permission to furnish/ publish these accounts on my credit report.

FCRA Section 602 states I have a right to privacy and FCRA Section 604 ( a ) ( 2 ) which states a credit reporting agency can not furnish an account without the consumers written instructions.

I did not give any consent/permission nor did I give your agency any type of written instruction for the accounts to appear on my Experian credit report. 

XXXX ) XXXX # # XXXX XXXX ) Portfolio Recovery # XXXX Please forward me the information I am requesting in accordance with FCRA611 ( a ) ( 6 ) ( B ) ( iii ) within 15 Days.
Consumer complaint received 2024-07-31
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. (TX)

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 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 an account without my written instructions. 


Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) Account XXXX XXXXXXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : Not Stated on Credit Report ) Account XXXX XXXXXXXX Account Name : XXXX XXXX XXXX ( Original Creditor : Not Stated on Credit Report ) Account # XXXX Account Name : XXXX XXXX XXXXXXXX ( Original Creditor : Not Stated on Credit Report ) Account # XXXX Account Name : XXXX XXXX XXXXXXXX ( Original Creditor : Not Stated on Credit Report ) Account XXXX XXXXXXXX Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) XXXX. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks
Consumer complaint received 2024-05-14
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. (AR)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.
Consumer complaint received 2024-05-14
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. (NY)

This complaint serves as a formal complaint regarding the inaccurate and incomplete information that you are reporting on my Credit Report, which I wish to dispute. 
While I acknowledge that errors can occur, it is important to rectify this inaccuracies promptly, as they could potentially lead to higher interest rates for me. Given my current financial obligations, such additional expenses are unwelcome. 
XXXX XXXX  XXXX.
Consumer complaint received 2016-09-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (GA)

As of XXXX XXXX Nationstar stated to my lawyer, XXXX XXXX, that I have not paid any mortgage payments since XXXX XXXX. Meaning they think I am delinquent for about {$5500.00} ( estimated ) to my mortgage. They filed a motion with the bankruptcy court on XXXX XXXX, XXXX to be relieved from the motion to stay to foreclose on my house. They have tried to do this before in XXXX and due to lack of proof on their end and substantial proof of payments on my end the case was dismissed. Once again I am in the same situation of having substantial proof of payments on my end and they have nothing to support their claims on their end. However, having to go through the hassle time and time again plus the added problems of them not letting me see how they are applying my payments or showing me anything regarding my mortgage. I have sent several requests to Nationstar 's Bankruptcy Lawyer via a certified RESPA Qualified Written Request, Complaint, and Dispute of Debt and Validation of Debt Letter to request that Nationstar give me copies of my mortgage and see how they are handling it, but time and time again they just deny me and send incomplete paperwork. I am beyond frustrated at this point and now I suspect they have done some illegal things with my mortgage if they refuse to give me access. It must mean they have something to hide. Here is my proof of payments through XXXX up to date and, once again, this is complete mortgage fraud.
Consumer complaint received 2024-05-14
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. (DE)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XX/XX/XXXXXX/XX/XXXXXXXX XXXX XXXX Number {$3700.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$700.00} has violated my rights. 

These accounts have violated my rights. 

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 2019-04-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NM)

I am a new customer with Bank of America mortgage. I originally setup an auto-payment for my mortgage to take out an additional principal payment each month. Recently I decided to switch back to just the required payment. In changing my auto-payment, I apparently created a second payment for the month of XX/XX/2019. My normal payment went through, but then an additional unwanted payment also was attempted. As I direct deposit only the amount of money needed for my monthly payment each month into my required Bank of America checking account, this resulted in an insufficient funds situation. When I contacted the bank, they advised me they saw what happened and told me I would receive a refund for two {$35.00} NSF fees charged in this error. This has not occurred. As Bank of America 's system did not alert me to the two scheduled payments, and I was told I would receive refunds for these fees, I request a refund for the two {$35.00} NSF fees.