davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

I received a copy of my credit report and I am disputing items that need to be deleted. According to the Fair Credit Reporting Act these disputed items must be reinvestigated or deleted from my credit record within 30 days. In your investigation results please provide the names, addresses, and the telephone numbers of individuals you contacted during your investigation During the investigation period these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. Below are listed the account, account number and the opening date. 

XXXX XXXX XXXX - XX/XX/2023 - XXXX
Consumer complaint received 2024-04-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (NJ)

On XX/XX/XXXX my wife and I opened a Savings Account at the Wells Fargo XXXX XXXX XXXX in XXXX, NJ for an initial deposit of {$25000.00} based on a flyer we received from Wells Fargo thru the USPS mail The Pomotion flyer promised a Promotion Bonus of {$520.00} after 90 days of deposit. The banker opened the savings account for us with a PROMO Code of XXXX. My wife and I would not have opened the savings account had we been told that it is for new customers opening a savings account. We have not received the {$520.00} Promotion Bonus YET! We would not have parked {$25000.00} at the Wells Fargo Bank if we were told and informed that the PROMO is for new savings account opening. Besides, what we have at that branch is a Checking Account. Therefore, the opened savings account was valid and qualified. I talked with the XXXX XXXX branch manager and escalated my complaint to the escalation Dept. on XX/XX/XXXX with a Wells Fargo case number : XXXX, telephone No. XXXX, XXXX XXXX the Escalations Representative and XXXX his Supervisor. I was told resolution will be by followed up to us by XXXX XXXX, XXXX? PAYMENT DELAYING TACTICS? WE WANT OUR {$520.00} promotion bonus NOW and we would like to close the savings account and withdraw our withheld {$2100.00} in the savings account. We were not allowed to close the savings account as Wells Fargo contends that the {$520.00} promo bonus will be deposited to this account. Our existing checking account can receive the {$520.00}. 

WE DEMAND AN IMMEDIATE RESOLUTION, {$520.00} Promotion Bonus deposited to any of our two accounts. WE DEMAND AN END TO THIS NUISANCE CASE, NOW!!!!!!!
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

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 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Today, I am submitting my CFPB Complaint to inform you that I am a victim of identity theft. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress and this was my several attempts to get this matter resolved. I've submitted previous complaints with the CFPB & you claim I'm submitting the information for someone else... I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. The 3 credit bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ). The inaccurate information are reporting to my credit file held with 3 credit bureaus. These items were opened fraudulently. I informed them of the issue & provided them with the required documents to remove the items via FCRA Section 605b. They have failed to remove the items, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the accounts. I need the following items to be removed from my report ASAP : 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 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 2024-02-02
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc. (SC)

I received my credit report, and it stated that I opened an account with Eastern Account System on XX/XX/XXXX. I never opened and account with your agency on that date. I never signed a contractual agreement with Eastern Account System for {$260.00}. It's showing up as delinquent on my credit report for creditor : XXXX XXXX 

I called XXXX XXXX on XX/XX/XXXXXXXX  and they shared that my account was sold to Eastern Account System and XXXX who are collection agencies. I was never made aware of my account being sold to two collection agencies without my consent.
Consumer complaint received 2024-01-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARRINGTON MORTGAGE SERVICES, LLC (AL)

My home loan is serviced by Carrington mortgage. Last year my home owners insurance cancelled my home owners insurance but they sent a bill to Carrington anyway and Carrington paid it. Which caused a negative XXXX  amount of {$7000.00} I went and told Carrington not to pay them and told them that my insurance was canceled. Carrington was fully aware of XXXX cancelled my insurance. They have been trying to mess me up ever since they took over my home loans. 

They were well aware at Carrington that XXXX cancelled my home owner insurance. Carrington has always caused me some type of chaos since taking over my loan. 

They have tried to XXXX me over more than one. Now I'm on the hook for a $ XXXX monthly payment because of their mistake. 

Why would Carrington still continue to pay XXXX knowing that they had cancelled the payment. To intentionally cause me problems. 

This has also caused me problems. Where I couldn't get my home loan equity.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Consumer Financial Protection Bureau XXXX XXXX XXXX Washington , DC XXXX  Dear Sir/Madam, Subject : Dispute of Inaccuracies in Credit Report Pursuant to FCRA 15 U.S. Code 1681 ( b ) ( 2 ) I am writing to bring to your attention a matter of significant concern regarding inaccuracies present in my credit report, even after providing evidence to credit bureau agencies . Pursuant to the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681 ( b ) ( 2 ), I have taken appropriate steps to rectify these errors, yet they persist.

Despite submitting evidence to the credit bureau agencies, the following inaccuracies continue to be reflected in my credit profile : Inaccurate Addresses : XXXX XXXX XXXX XXXX Inaccurate Name Variations : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The sole accurate and correct information pertaining to my address and name is : XXXX XXXX XXXX XXXX  These inaccuracies are not only damaging my credit profile but also could potentially impact my financial standing and credibility. Despite submitting supporting proof to the credit bureau agencies, the incorrect data remains, which is a direct violation of FCRA guidelines. 

I respectfully request the Consumer Financial Protection Bureau to conduct a thorough investigation into these persisting inaccuracies in my credit report and take the necessary steps to ensure their immediate rectification in accordance with the FCRA guidelines. 

Enclosed, please find copies of the evidence previously submitted to the credit bureau agencies for your reference and review.

I kindly request your prompt attention and resolution to this matter and seek confirmation of any actions taken within the stipulated timeframe mandated by FCRA. 

Thank you for your immediate attention to this matter. Please do not hesitate to contact me at if further clarification or information is required. 

SincerelyXXXX XXXX Enclosures : Copies of previously submitted evidence to credit bureau agencies Please ensure to enclose copies of any proof or documentation you submitted to the credit bureau agencies, highlighting the discrepancies for the CFPB 's review.
Consumer complaint received 2023-06-12
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: Experian Information Solutions Inc. (NV)

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.

The letters are stated with items and issues.

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 2024-04-26
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)

I have diligently followed all the necessary procedures in disputing these accounts. I've reached out to the bank and they assured me the issue was resolved. I've also contacted law enforcement and provided a report and affidavit, which they confirmed as valid. Additionally, I've engaged with XXXX and XXXX, who complied with legal requirements and removed the accounts. However, TransUnion seems to be presenting obstacles, claiming I haven't completed all the necessary steps. 

XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. 

Understanding the leniency towards banks and credit reporting agencies in legal matters, I'm hesitant to pursue a lawsuit. Despite repeatedly submitting my claim to TransUnion over six months, I remain stuck. Each time, I receive a dismissive response, alleging that the documents I've provided are inadequate. I urge the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate this case, as it appears TransUnion is failing to fulfill its legal obligation to process the identity theft report. 

I want to emphasize that I've reported the identity theft to a law enforcement agency, specifically Identitytheft.gov, which is a federal entity. I seek a resolution to this matter that adheres to proper procedures. The distress caused by this identity theft, coupled with the inability to access my credit, is severely impacting both my personal and professional life. I am overwhelmed and feel like I'm losing control. Please handle this matter with urgency.
Consumer complaint received 2024-01-02
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. (GA)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within XXXX days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2024-04-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Specialized Loan Servicing Holdings LLC (NE)

I have made several payments on my loan- and have 2 issues. 
The loan statement indicates that all payments are accepted. So when a partial payment is made, it is not applied to the account and " held in suspense ''. Or if we paid an amount over the actual amount due, it has not been applied to our account- yet late payment and other fees have been applied. The statement clearly indicates that partial payments are accepted yet when partial payments are made they are not applied. 
In addition to that, I have made over 6 payments ( 2 per month starting in XXXX ) all of the online payments i sent were rejected. My loan would be current as of today, however they have sent it to foreclosure. I can pay the total amount due today, however, they will not accept it and are making me wait for official reinstatement paperwork- when it should have never been closed. I am being charged late fees and attorney fees, when the amount due has been sent several times and then set back to my bank. All of the fees shouldn't be charged and the loan should not be in foreclosure- the money being held in suspense is really confusing and causes the loan to appear late when it is not. 
I don't appreciate the bad marks on my credit and all of the fees when i have tried making these payments over and over. I have called customer service several times with no help at all. I am awaiting reinstatement paperwork and I can pay the loan in full anytime. 
I have called customer service several times over the life of this loan to get help on this " held in suspense '' and the customer service agents have agreed that it is confusing and hard to understand. In the past i was credited late fees, as this " held in suspense '' makes it seem like a payment hasn't been made. It is so hard to do business with Specialized loan servicing and I wish we could move this somewhere else. 
In addition, when they reject the payment- it takes almost 2 weeks to get the money back, so finding another way to get the money to them right away isn't even possible. I have talked about this with the different banks that I am using and it is an issue with specialized sending the money - not the banks crediting the money to my account. If my payment is going to be rejected i'd love a phone call or even an urgent text message to let me know right away so i can take care if it immediately.
Consumer complaint received 2024-01-02
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. (IN)

This constitutes my second attempt to attend to a matter and function as a follow-up to my initial complaint dated XX/XX/2023. It is crucial to reiterate that, as per FCRA section 605b, Credit Reporting Agencies are compelled to eradicate any entries specified in an identity theft report, particularly identified as XXXX XXXXXXXX. In accordance with Section 605B ( a ), the CREDIT REPORTING AGENCIES are obligated to eradicate any entries in the consumer 's file identified as information resulting from an alleged identity theft within XXXX business days from the date of receipt. Enclosed herewith are the pertinent documents substantiating the necessity for the removal of inaccurate information currently manifested in my credit reports. The following accounts have been expressly identified for removal : -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX XXXX  -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX  Balance XXXX XXXXXXXX XXXX XXXX ( Original creditor XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX  -- -- -- -- -- TRANSUNION : XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX ) XXXX Balance XXXX XXXX XXXX XXXX XXXXriginal creditor XXXX CREDIT XXXX XXXX  XXXX A ) XXXX Balance XXXXXXXX XXXX XXXXXXXX ( Original creditor XXXX XXXX XXXX BANK XXXX XXXX XXXX ) XXXX Balance XXXX XXXX  XXXX ( Original creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance XXXXXXXX XXXX  XXXX Balance XXXX
Consumer complaint received 2024-04-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (TX)

According to the fair reporting act, Section 609 ( a ) ( 1 ) ( A ), they were required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post o a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( an original consumer contract with my signature on it ). that you have a file for the account.

and according to Law FRCA section 605B, it is illegal to report information on my credit report without my permission.
Consumer complaint received 2024-04-30
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Negative impact of inaccurate appraisal
Company: DISCOVER BANK (FL)

Subject : Concern Regarding HELOC Appraisal Process with Discover Bank I am writing to address some concerns I have regarding the recent appraisal process for my home equity line of credit ( HELOC ) application with Discover Bank. 

During the initial stages of the application process, my home was valued at {$800000.00}, which positively impacted the offered interest rate. However, I was surprised to find that the subsequent appraisal conducted by Discover was only a drive-by appraisal, resulting in a significantly lower valuation of {$620000.00}. This disparity had a substantial impact on the terms of the HELOC. 

Despite expressing my reservations about the accuracy of the drive-by appraisal, Discover declined to conduct a full appraisal or consider alternative valuation methods. Additionally, they refused to accept another appraisal to provide a second opinion on the property 's value. Instead, I was informed that I could only challenge the drive-by appraisal, with little likelihood of affecting the outcome. 

I am concerned that Discover 's handling of the appraisal process may not align with industry standards or regulatory requirements. I believe I have not been given a fair opportunity to obtain an accurate valuation for my property, which is essential for securing favorable terms on my HELOC.

I would appreciate it if we could discuss this matter further and explore potential avenues for resolving these concerns. Please let me know a convenient time for you to discuss this issue in more detail. 

Thank you for your attention to this matter.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (MI)

XXXX XXXX XXXXXX/XX/year> Unauthorized account on my credit report. I demand this get removed XXXX XXXX XXXX XXXXamazon bank XXXXXX/XX/year>