davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX - XX/XX/XXXX ( I do have a credit card with them that was opened on XX/XX/XXXX ) XXXX  XXXX - XX/XX/XXXX - ( XXXX  XXXX has confirmed this is Fraud - This is not attached to my credit card opened on XX/XX/XXXX ) XXXX XXXX - XX/XX/XXXX - This company has confirmed this is a fraud account - but has yet to remove the inquiry.
Consumer complaint received 2017-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GU)

I respectfully ask for your urgent assistance to have the XXXX XXXX XXXX to send me my credit card at my mailing address on file with them. Reference number XXXX person to inform their name are below. 1.XXXX XXXX VP , Global New Accounts 2. XXXX XXXX Customer Advocate Services Team Please correct my mailing address to : XXXX. XXXX XXXX XXXX, Guam XXXX
Consumer complaint received 2023-04-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NEW YORK COMMUNITY BANCORP INC (NJ)

XX/XX/2023 To Whom It May Concern : Loan # XXXX Property address : XXXX XXXX XXXX XXXX Nj XXXX I would like to request the written transcripts from my recorded conversations with Flagstar Bank on the following dates : XX/XX/2023 XX/XX/2023 XX/XX/2023 Be advised I have a loss mitigation application submitted since XXXXXXXX XXXX and was advised on XX/XX/XXXX that I was approved for a partial claim and modification since XXXX XXXX but I had not received the paperwork as it was not mailed out to me as of yet. Indicated below is the New offer from Flagstar : New mortgage payment {$2900.00} APR 4.5 % New Principal {$230000.00} This would have started XX/XX/2023 I was then advised if I do not receive it to call back and investigate the status. 
I called back on XX/XX/XXXX and was informed I was denied because of an error from underwriting and old modification. 
Called back on XX/XX/XXXX and was informed the forbearance expired ; XX/XX/XXXX the modification was approved ; XX/XX/XXXX it was denied ; XX/XX/XXXX a XXXX was sent to me **which I did not receive ; Agent escalated this to XXXX XXXX the Supervisor who was supposed to call be back in regards **I did not receive a call You can not extend an offer which was approved and then resend it. I have complied with everything requested of me and to no avail I keep getting the run around let alone no resolution to my cause. Im not certain what is going on but I feel as though Im being discriminated against. I would appreciate if someone would get back to me in regards. 

Thank you Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX # XXXX
Consumer complaint received 2024-04-08
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023
Consumer complaint received 2017-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PR)

Greetings. I periodically check my credit on XXXX XXXX and I have seen that there are hard inquiries that I didnt ask for. There are XXXX in the same date. Im worried that someone is trying to use my credit information or those companies are making changes on my score. My score drop down XXXX points without my consent. <P/>This is what i found in my credit that i do n't recognize 1. XXXX XXXX Last Reported by Equifax XX/XX/XXXX 2. XXXX Last Reported by Equifax XX/XX/XXXX 3. XXXX Last Reported by Equifax XX/XX/XXXX 4. XXXX XXXX XXXX Last Reported by Equifax XX/XX/XXXX - Thanks
Consumer complaint received 2017-11-29
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NATIONSTAR MORTGAGE LLC (MI)

Our complaint is against Nation Star mortgage/DBA Mr. Cooper. 
I paid off my mortgage XX/XX/XXXX and they were to reimburse me {$1100.00}. 
They sent a check for {$150.00} XX/XX/XXXX which I rejected and sent it back to them with the reason that it was not the amount I was due. They sent a letter from the research department dated XX/XX/XXXX and said they were looking into this matter and I still have not heard back from them. 
The XXXX XXXX XXXX XXXX of Michigan bought my property be cause they are widening the road where my house was located. they wired money to them XX/XX/XXXX and XX/XX/XXXX and rejected both wire transfers finally XXXX XXXX XXXX XXXX sent them a cashiers check XX/XX/XXXX and it was accepted then, but we have n't been able to resolve the matter of the {$1100.00} that Mr. Cooper still owes me.
Consumer complaint received 2023-01-02
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: Experian Information Solutions Inc. (AR)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$3500.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$3500.00} ; XXXX XXXX XXXXXXXX Balance : {$500.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$32000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$47000.00} ; XXXX XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX XXXX XXXX Balance : {$870.00} ; XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$1300.00} ; XXXX  ( Original XXXX : XXXX XXXX XXXX XXXX ) XXXX Balance : {$260.00} ; XXXX XXXX Balance : {$870.00} ; XXXX XXXX XXXX Balance : {$520.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX : {$2500.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$590.00} ; XXXX XXXX XXXXXXXX Balance : {$9000.00} ; XXXX XXXXXXXX Balance : {$2000.00} ; XXXX  XXXX Balance : {$1900.00} ; XXXX XXXX Balance : {$340.00} ; XXXX XXXX  XXXX Balance : {$1300.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$920.00} ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (GA)

I value your help too remove a portion of the data in my credit file that came about because of fraud yet I have an Items passed on that should be taken out or remove Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$510.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$850.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$420.00} XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance {$130.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$990.00} XXXX XXXX XXXX XXXX Balance {$1100.00} XXXX XXXXXX/XX/XXXX ( Original Creditor : ) XXXX Balance : {$1400.00} ( Original Creditor : ) XXXX Balance : {$610.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (PR)

Paypal is holding {$10.00} XXXX from my account they said that they can not release the money and I can not close the account for 90 days. they started that is they right to hold it and i can not do anything about.
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 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 2024-04-08
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)

I am reaching out to formally contest the accuracy of the late payment details currently listed on my credit report. Upon thorough examination of my credit report, I have identified discrepancies concerning late payments that I believe have been inaccurately recorded. I kindly request your immediate attention to address these discrepancies and rectify the inaccuracies present on my credit report. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-08
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. (MI)

On numerous occasions my credit was ran without my knowledge/consent. I have called plenty of times trying to see where all request were sent from and havent received any information yet. I get my credit ran for free every week, I would never consent to a credit check when I already have my credit score.
Consumer complaint received 2023-10-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Specialized Loan Servicing Holdings LLC (GA)

Amended Complaint XXXX ( Wrong Security Deed was submitted for evidence, Disregard Complaint XXXX ) Subject : Discrepancies in Loan Documentation Specialized Loan Servicing I am writing to bring to your attention certain discrepancies in the loan documentation related to the contract. As per your correspondence you stated : Terms of the Loan On XX/XX/XXXX you signed a {$100000.00} Note secured by a Security Deed. Copies of these documents are enclosed for your review. 
On XX/XX/XXXX, your prior servicer XXXX advised of the XX/XX/XXXX transfer of servicing to SLS, and on XX/XX/XXXX SLS sent its corresponding Notice of Servicing transfer. 
SLS has applied payments as prescribed in the loan origination documents. 

Statement of Facts : The Security Deed provided by SLS does not match the original Security Deed obtained from the XXXX XXXX Clerk of Superior Court. ( Please refer to the attached Original Security Deed. ) Specifically, the loan number on the Security Deed is : XXXX, while the loan number on the Notice of Mortgage Servicing Transfer is : XXXX.
Consumer complaint received 2023-02-16
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. (FL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2024-04-08
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. (TX)

I am a victim of identity theft. I noticed accounts on my credit report that are the result of fraud and needs to be taken off. I reached out to the credit bureaus to let them know and they failed to investigate this and they failed to make any corrections to my report. I need this corrected immediately.
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CITIZENS FINANCIAL GROUP, INC. (IL)

Back in XXXX I had made a payment to my car loan I have with citizens online, a few days later I had found out that they had taken out more then what they should have which left me in the negatives, I called citizens and I told the person I was on the phone with, they told me that it was my fault that I had to fix it because Im the one who did two payments I told that person that I just want my money back cus they made two transactions and she was so rude, and I told her I just wanted my money back cus I was supposed to have {$300.00} and something dollars left to bills, she told me that they would send a check that was going to be for the amount I make my car payments on. So when I got the check I put it in my bank to make that payment for my car loan and my XXXX XXXX  couldnt accept it because they told me the bank did something wrong and they had to fix it. When I called citizens to see what happend they told me my bank had the check so they had me calling my bank and citizens back and forth until I talked to someone that was able to help me and told me that the check was on its way back to them once they receive the check they would make the payment that I was supposed to have made, but when I called again citizens they told me I couldnt use the check because I didnt have enough funds in my bank so it wasnt valid so then i faught with them for days to see if I could skip that payment or if I could have go back to back of the loan and they said no. So now my credit has gone down hill because I was counting on that check to help me pay for that car loan and now I dont know what to do if you could please help me I would appreciate it thank you
Consumer complaint received 2023-04-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

I went on the collectors website to look up my account and it is no longer there. They are required to report to all credit bureaus and stop reporting me with a debt in collections and have it taken off my reports immediately.
Consumer complaint received 2024-04-08
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. (OH)

Despite communication with the company inaccurate information remains on my credit report. inquiries are shown on my credit report that were not authorized by myself that the company has failed to remove and is affecting my credit. 
XXXX XXXX  XX/XX/XXXX XXXX mortgage XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX mortgage XX/XX/XXXX
Consumer complaint received 2023-04-28
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (OH)

XX/XX/2023 - made XXXX mortgage payment and attempted to schedule XXXX mortgage payment ; could not schedule XXXX payment XX/XX/2023 - scheduled XXXX mortgage payment and attempted to schedule XXXX mortgage payment ; could not schedule XXXX payment XX/XX/2023 - attempted to schedule XXXX mortgage payment, but the payment system was going to apply a late fee for {$89.00} XX/XX/2023 - I suggested to the representative that she present the issue to management, but instead she transferred me to another representative named XXXX XXXX operator ID XXXX ) who said that the system does not have the capability for me to submit the payment and that I have to wait until the month of XXXX to submit the XXXX payment.
Consumer complaint received 2024-03-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (IL)

On XX/XX/24, I paid my XXXX XXXX Property Taxes online, as I have done for the past 16 years with my same Wells Fargo checking account, by entering my account number and routing number. 

On XX/XX/24, I received an email from the XXXX XXXX treasurer stating the payment was not successful due to : No Account/Unable to Locate Account ( refused by the payer 's bank ). I was assessed a {$25.00} penalty and interest in the amount of {$55.00}. 

I called Wells Fargo to see what happened and the female rep only confirmed the routing and account number I provided were correct and to resubmit but not what caused the problem. She directed me back to XXXX XXXX and would not investigate further.
Consumer complaint received 2024-04-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2024-04-08
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)

I am writing to request a reinvestigation into the accuracy of my credit report, specifically regarding the reporting of the XXXX account # XXXX by Experian. I have noticed significant discrepancies within the reported information, which are concerning given the importance of accurate credit reporting for consumers. 

Experian has claimed to have verified and updated the XXXX account # XXXX ; however, crucial details such as the first date of delinquency, date of last payment, and date of last activity are noticeably absent. Furthermore, the reported date of removal appears to be inaccurate. 

As mandated by the Fair Credit Reporting Act ( FCRA ), consumers are entitled to full transparency regarding the information contained in their credit files. It is imperative that I have access to accurate and comprehensive details concerning my credit history to make informed financial decisions and ensure fair treatment by creditors and lenders. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) initiate a thorough reinvestigation into the reporting of the XXXX account # XXXX by Experian. Specifically, I am seeking clarification on the method of verification employed by Experian and a comprehensive disclosure of all relevant details pertaining to this account. 

I trust that the CFPB will handle this matter with the utmost diligence and ensure that my rights as a consumer under the FCRA are upheld. I kindly request regular updates on the progress of the reinvestigation and any actions taken to rectify the inaccuracies in my credit report.