davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I have a genuine concern regarding the inaccurate information on my credit report. My credit score is important to me as to anyone else 's. These inaccuracies are creating constant stress whenever I can not get approved for new credit due to the errors being reported on my credit report.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Advanced Resolution Services 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 of Birth : Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : 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 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I monitor my credit report via the Experian XXXX. I can also see the reports from the other XXXX credit reporting agencies. I noticed a few months ago that Experian has 1 ) added an additional open student loan from XXXX XXXX for {$23000.00} that does not exist, I never borrowed that amount and 2 ) combined my XXXX  and XXXX  student loans to equal {$51000.00} ( the total is correct but from what I understand they are not allowed to combine the XXXX types of loans, they must be listed separately ). 
The student loan amount of {$23000.00} is NOT listed on XXXX or XXXX, which is correct. 
I disputed it twice online with Experian and they informed me that XXXX XXXX confirmed the loan and they would not remove it from my report. 
I called XXXX XXXX for clarification and I was informed that they have been seeing this problem with Experian for a while now and that numerous people have called to report the same thing.
Consumer complaint received 2024-06-24
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (OK)

I scheduled to make a payment to Citi bank on line at the end of XXXX the current balance at the time was {$810.00}. When I received the paper statement for that month the balance was {$820.00} so, went on line and modified the amont on XX/XX/XXXX to {$82000.00}. Later on my bank acount I noticed that both amounts were debited from my account for the amount of {$1600.00}. I called Citi and was told that they will be mailing a check, as of today XXXX, I did not received a check. I called the credit card company and asked to be compensated for holding my money for a month, did not get a positive responce they did not even acknoleged the error in the software on the website. When I am late with a payment get late payment fees and interest fee but they can hold a customer money for a month without impunity. I am wondering some times if this progaming errors are not intentional.
Consumer complaint received 2024-06-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (WI)

We've attempted innumerable times to work with Nationstar Mortgage to find resolution to their accounting errors in facilitating our mortgage payout. We have faced collection calls, certified letters, countless hours on hold, having to repeatedly explain the errors and accounting issues to a magnitude of different representatives, and scheduled meetings have been ignored by company employees. 

The response letter from company 's response letter dated XX/XX/XXXX ( see our XX/XX/XXXX complaint and related attachments ) references erroneous dates and dollar amounts. It appears the company lacks the competency and skill to effectively address it's own accounting errors leaving us to suffer the hardships and mental aguish of trying to resolve this issue since XX/XX/XXXX - 9 MONTHS! 

As an example- we had a scheduled meeting with a representative # XXXX- XXXX who failed to call us at the time and date she scheduled and we have not heard from anyone since. 

We've attempted numerous times to resolve this issue with the company since XX/XX/XXXX- and the company fails time and time again to address the issue and put us in contact with any competent or capable representative who can solve this. 

Either the company honors the mortgage satisfaction letter dated XX/XX/XXXX - or the need to contact us by phone within 7 days of this complaint. If they fail to respond to us within 7 days of filing this complaint- we understand Nationstar Mortgage will honor the letter of satisfaction issued on XX/XX/XXXX for loan # XXXX and will update their records to reflect a XXXX mortgage balance due, once again close out the account and stop any and all efforts to collect on a mortgage they've failed time and time again to facilitate legally. 

The phone number they are to call is XXXX XXXX XXXX
Consumer complaint received 2024-06-24
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: DISCOVER BANK (TX)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Discover regarding a secured credit card account and the return of my security deposit. 
In XXXX, I applied for a Discover secured credit card and provided a {$200.00} security deposit. After XXXX months of unsuccessful attempts by Discover to deliver my card, I contacted them to cancel the account and request a refund of my deposit. 
It has now been XXXX months since I requested the cancellation and refund. Despite multiple inquiries, I have received neither my refund nor any information about its status. This lack of response and failure to return my funds is unacceptable. 
I am seeking your assistance in resolving this matter and obtaining my refund. If this issue can not be resolved promptly, I may consider pursuing legal action. 
Thank you for your attention to this matter. I look forward to your response and any guidance you can provide. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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 XXXX XXXX XXXX. 

Account 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 XXXX XXXX XXXX  and list of Inquiries. 

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 seven 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 2024-06-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/year> at approximately XXXX XXXX I attempted to deposit {$2800.00} in cash through a drive through ATM machine at Chase bank. The chase bank is located at XXXX XXXX XXXX XXXX XXXX, FL XXXX. The ATM machine number is XXXX. I counted the money XXXX times prior to making the deposit. After inputting all of the money into the machine, the screen did not show the full amount of {$2800.00}. I then cancelled the transaction hoping to get all of my money back, but instead I received {$2200.00} back. I did not receive a receipt since the transaction was cancelled. I then went inside of the branch to file a complaint, which the teller told me would need to be done by phone. I then deposited the {$2200.00} with the teller. I called Chase customer service number, explained the situation and a claimed was filled incorrectly as the agent misunderstood what I told her. I called again a couple of days later and had to file a new claim. Just spoke with them again and the new claim was denied as they stated no extra funds were in the machine. This is completely unacceptable as I am missing {$520.00}! I do not think a proper investigation was conducted since the XXXX  claim was incorrect and since they continue to get confused with the fact that I deposited {$2200.00} through a teller. They continue to bring that amount up and I do not understand why. They said my funds did get deposited and that is incorrect. They also told me they would only reinvestigate if I send proof or paperwork. I do not have proof of the full amount as some of the cash was cash left over from a cruise trip! And money from as a birthday gift! I am appalled that something like this is okay and I need my money back!
Consumer complaint received 2024-06-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: WELLS FARGO & COMPANY (NE)

On or about XX/XX/XXXX I contacted Wells Fargo Home Mortgage via Telephone on their recorded customer service line to see how much of a principal payment I needed to make to remove Private Mortgage Insurance ( PMI ) from my mortgage. The representative stated I needed to make a payment of {$980.00}. I made this payment and it was posted to my account on XX/XX/XXXX ( Exhibit 1 ). I was instructed to call back when the payment posts and request the PMI to do so. I made this phone call in return and the representative had no idea what I was talking about and told me to refer to the letter. I did so on the phone and read the verbiage which stated I needed to call to request removal if loan is less than XXXX  % XXXX. 

The representative then said she put the request through and I should get a letter stating it was removed. Subsequently I then received a Escrow Letter requesting funds of approximately {$2200.00} for Escrow shortages, this would include PMI funds of approximately {$3100.00}. This seems like an attempt for Wells Fargo to extort monies from me. 

I then have reviewed the Loan Documents ( Ex. 4- Loan Documents ) originally executed on XX/XX/XXXX which states : The date the primcipal balance actually reaches 80 % of the original value of the property I called Wells Fargo and spoke with XXXX XXXX XXXX she stated that a principal payment alone was not enough and I also needed an appraisal. The loan documents state, as well as the letter from Wells Fargo, that : ( 4 ) the servicer receives, if requested and at your expense, evidence satisfactory to the holder of your loan that the value of the property has not declined below its original value, and certification that there are no subordinate leins on the property This next delay tactic to extort monies from me is contrary to any reasonable understanding of the marketplace. In fact, just last week on XX/XX/XXXX the XXXX XXXX XXXX XXXX reported that median home prices are at an all time high ( attached as EX 5 ). Wells Fargo is demonstrating a patter of behavior to extort money from me they are not otherwise entitled to. 

My loan to value is XXXX %, I have made 4 requests to have PMI removed, Wells Fargo refuses to do so.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

I SENT A FOLLOW UP LETTERS TO EACH OF THEM AND STILL I'M NOT GETTING ANY PROOF I ALSO HAVE ATTEMPTED TO CALL CONTACT THEM BUT I WAS TRANSFERRED EVERYWHERE AND NOTHING EVER GETS ACCOMPLISHED HOW DEPRESSING IT IS?! HOW WOULD I RESOLVE THESE ISSUE IF THESE COMPANIES WHOS REPORTING IT ARE NOT RESPONDING? I HAVE NO CLUE THANKS TO MY FRIEND SHE ADVISED ME TO FILE A COMPLAINTS HERE AND SENT ME THE LINK
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Park Hill Holdings (PA)

On XX/XX/XXXX I sent an email to XXXX requesting a copy of my consumer report. I sent the information required attached in this complaint. On XX/XX/XXXX, i received an email back stating they can not send me a copy unless an actual request for a screening report has been receued from a SafeRent client. I believe this is unfair as in XXXX, I was denied for an apartment from information listed in my SafeRent Consumer report and I had to get that information removed from my files in which they did but I am currently shooping for a new apartment and I do not want to miss out if there is an information that is incorrect in my files. I do have money to just be applying for apartments and getting denied because of incorrect information. I want to make sure my file is correct before applying and wasting money. I like a free copy of my consumer report.
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: Advanced Resolution Services 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 : 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 XXXXXXXX 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 2024-06-24
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: CarMax, Inc. (VA)

Disclosing my personal information I wasnt provided Options to opt out.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer. I want information updated with paid as agreed
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: Advanced Resolution Services 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 2024-06-24
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: CITIBANK, N.A. (TX)

I am writing to express my grave concerns regarding a derogatory rating on my account. This negative mark has had severe consequences on my financial well-being, including the rejection of a recent loan application and increased interest rates on my existing credit accounts. The ongoing financial and emotional strain this situation has caused can not be overstated.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score.

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2024-06-24
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX I was in the middle of booking flights on XXXX. At that time as I was about to pay, they offered a credit card offer that would give me a {$400.00} statement credit and XXXX miles when I spent {$1000.00}. I accepted and got the offer and the card. My first statement was paid in full on XX/XX/XXXX but I never saw a credit of {$400.00} and never saw any mileage bonus. I called them on XXXX and after I finally got to a supervisor, he advised me that since I had another credit card with a bonus offer in the past XXXX months, I was ineligible for any statement or mileage credit. He said the disclosure was there and I say before they accepted the application under the terms they offered, they should have advised me that I would not be eligible. No letter to follow up on their end as well explaining this very important aspect. Its extremely deceptive. How is any regular person supposed to remember that they had a promotional offer on similar credit card in the last XXXX years. My wife and I have and manage about XXXX credit cards. I have been utilizing credit cards my entire adult life and I am XXXX XXXX XXXX. This was by far the most egregious abuse a credit card company ever gave me. The card is issued by Citi/AAdvantage Platinum Select World Elite Mastercard Thank you!
Consumer complaint received 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Dave Operating, LLC (FL)

Dave has not reported an update on my account since XXXXXXXX XXXX XXXX. My account has been closed for months. They refuse to report it as closed. Dave customer service is horrendous. They take 3-4 days to reply every time and when they do the person replying is clueless. I was instructed to call in for help and when I did I could not get past the robot because my account is closed why would you knowingly advise me to call in when I will never be able to reach any assistance if the account is closed. I continue to try and get help over email and every time they ask for more and more PII after I already verified my last 4 of social, address name etc. and Im using the email address they have on file?!? They refuse to provide documentation that the account is closed and they refuse to assure me the account will be reported as closed with XXXX.
Consumer complaint received 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY (OH)

I have recently checked my XXXX score and it seems that WELLS FARGO has placed a derogatory mark on my score. The WELLS FARGO student loan division does not even exist anymore. They have never corrected the error in my credit report, and this is negatively impacting it in a huge way. 

I have received a 1098E in the XXXX tax year and the loan was disbursed/forgiven. WELLS FARGO however has claimed this as a 1099C, and I also had to pay the IRS for the forgiven amount for the claimed 1099C as income. 

I am very unhappy at this point and demand WELLS FARGO take this derogatoryremark away from my credit report as soon a possible. 

To my surprise, I found out that WELLS FARGO STUDENTLOAN HAS BEEN PENALIZED by CONSUMER FINANCE in XXXX and was ordered to pay XXXX to the consumer andwas ordered to " CORRECT ERRORS ON CREDIT REPORTS '' The company itself was penalized for fraudulent activityand seems like it keeps doing it by destroying itsprior clients credit reports. I wouldlike this to be removed as soon as possible.
Consumer complaint received 2024-05-07
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. (OH)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA XXXX. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.