davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC (NC)

XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 Flagstar Bank XXXX XXXX XXXX XXXX, OH XXXX Subject : Complaint Regarding Forced Purchase of Flood Insurance - Loan Number : XXXX Dear Sir/Madam, I am writing to express my deep dissatisfaction and frustration with the recent actions taken by your bank regarding the forced purchase of flood insurance for my property. Despite multiple attempts to address this issue through phone calls, the matter remains unresolved, necessitating this formal complaint letter. 

On XX/XX/XXXX, I received a letter from your bank requesting the addition of flood insurance, despite the fact that I already maintained basic insurance coverage for my property. While I complied with your request and promptly contacted the insurance company for a valuation during the normal grace period, it took approximately one month for the insurance policy to take effect, specifically on XX/XX/XXXX. 

During this period of waiting for the insurance to become active, I was shocked to discover that your bank had charged me exorbitant premiums, which were three times higher than the prevailing market price for flood insurance. This irresponsible behavior not only imposes a significant financial burden on me but also raises suspicions of improper transactions between your bank and the insurance company, disregarding the wishes and financial well-being of the consumer. 

I firmly believe that this forced purchase of flood insurance at inflated prices goes against ethical business practices and consumer rights. Therefore, I strongly urge your bank to rectify this situation by promptly refunding the premiums that were unjustly imposed on my account. I expect a full reimbursement of the excess premiums paid during the waiting period, as it was due to circumstances beyond my control that the insurance policy took effect only on XX/XX/XXXX. 

Furthermore, I request a thorough investigation into the matter to ensure transparency and fairness in your business dealings with insurance providers. It is essential that your bank upholds the highest standards of customer service and treats customers with respect and integrity. 

Loan Details : XXXX XXXX : XXXX I anticipate a swift resolution to this matter and a timely response from your bank. Failure to address this issue satisfactorily may leave me with no choice but to escalate the matter further by seeking assistance from regulatory authorities or taking legal action. 

Thank you for your attention to this serious matter. I trust that you will handle my complaint with the urgency and seriousness it deserves. I look forward to a prompt resolution and a written response within [ reasonable timeframe, e.g., 15 business days ]. 

Yours sincerely, XXXX, XXXX
Consumer complaint received 2023-08-14
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. (CA)

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and BLOCKED. 

XXXX XXXX
Consumer complaint received 2023-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NM)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS XXXX XXXX XXXX You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and XXXX  for full compensation and damages incurred. Please delete the items immediate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (AZ)

I spoke with XXXX I spoke with another individual that told me his name was XXXX with a completely different voice. I talk to XXXX and someone that goes by the name of XXXX. On every occasion through emails or phone calls it's been a run around of the checks in the mail then I get an email saying oh well your accounts closed your money is safe we'll send a check out to you within 30 days all the while and ask them to expedite that to me or to transfer to an outside account and can not get nothing done with them they say they're going to do it and then I get an email stating that they didn't do it but that they're going to do it. XXXX was very unprofessional incompetent at a minimum regarding his job to help me as a banking customer all I kept doing was reading baseball off a screen or script stating what your accounts closed this that and this and it had nothing to do with the issues of them getting me my money. There's already fraud on the account.
Consumer complaint received 2023-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT XXXX XXXX  You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and XXXX for full compensation and damages incurred. Please delete the items immediate XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance XXXX XXXX XXXX XXXX XXXX  Balance XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Credit Services, LLC (LA)

On XX/XX/2019, I mailed Security Credit Services a letter for validation of an account. On XX/XX/2019, I received a computer print out that did not contain any original documents validating the debt. There were no signatures associated with this documentation as well. The balance within the print put documentation shows as {$1400.00} and my credit report shows a reported balance of {$2300.00}. As this company is alleging a variation within their information. I am hereby requesting on the grounds of improper validation, that the collection by Security Credit Services be feleted from my XXXX, XXXX  and XXXX   credit reports.
Consumer complaint received 2019-10-18
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

These are the inquiries that I never authorized to happen. 
CAP ONE | XX/XX/XXXX CAP ONE | XX/XX/XXXX CAP ONE NA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX | XX/XX/XXXX
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

After reviewing my credit report, I have found numerous inaccurate names, aliases and addresses that do not belong to me. I want to ensure that you are only retaining and reporting true, current, and accurate information on my credit report.
Consumer complaint received 2017-05-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Western-Shamrock Corporation (GA)

On my second payment, I called to make it early, and the lady said their machine was acting up and double charging people, so she could n't take my payment. I went out of town the next day for work for 20 days. I did n't take my card because I did n't want to lose it, and we got per diem for work, so I did n't need it. I called yo pay when I got back yo town and they were charging late fees. I explained that I had no problem with paying, but I was not responsible for the fees because I tried to pay early. He said they would n't take the fees off, so I said i was n't going to pay. The problem comes when they continuously call my mother, my reference, and do not call me. I told them on  XXXX   XXXX  to call me, and they called her again today  XXXX   XXXX . The guy just laughs and tells me i need to pay.
Consumer complaint received 2022-10-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The unverified account listed below continue to report on my credit report in violation of federal law. These account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-21
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: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX 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 need to be investigated and corrected for 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
Consumer complaint received 2023-02-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY (MI)

The loan was in me and Co signer name. The co signer took the vehicle and it was stolen while in his possession. Wells Fargo did a claim on vehicle and I was stuck with a payment for XXXX that I paid with taxes. I made a report that the vehicle was not in my possession and the co signer had took the vehicle in 2011. I was the only person stuck with the debt through Wells Fargo.
Consumer complaint received 2023-02-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have reviewed my Consumer Reports and noticed that this XXXX XXXX XXXX account starting with XXXX is not mine and inaccurate. I have tried several times trying to resolve the issue with dispute letters to no resolution. 

Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy and that is not the case here with the attached account. 

There are several sections on my report that are inaccurate which I have circled on the attached photos that I pulled from two separate companies and both of which are inaccurate. I think they are attempting to keep this in on my report as long as they can and it is preventing me from purchasing a home for my family. 

Please investigate and provide Proof that these reports are accurate but if proof can not be provided, I demand that this account is removed from my consumer report. 

Thank you!
Consumer complaint received 2023-02-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (MI)

I received a 1099-INT in my name, address, and social security number for a XXXX XXXX XXXX in the amount of {$740.00} on or about XX/XX/XXXX. I have no XXXX XXXX XXXX nor do I have account with PNC. I have called PNC and visited a local branch in XXXX, XXXX on XX/XX/XXXX. The Assistant Manager promised to investigate but after more than a week could only provide the date of the alleged transaction ( XX/XX/XXXX ). They told me that there was nothing else that they could do. This was a either a blatant error by PNC or they were party to a fraudulent transaction. Please help resolve this issue.
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

The XXXX XXXX XXXX XXXX is reporting as a mortgage and is not a mortgage. I d not get to own any of the property after I pay off the mortgage, and will still be required to use my points to reserve my use of the property.
Consumer complaint received 2023-02-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (NV)

Received several letters from Rash Curtis & Assoc. stating they were attempting to collect a debt. I requested debt validation in accordance with 15 USC 1692g. The debt validation letter was mailed certified and Rach Curtis & Assoc. confirmed receipt of the debt validation letter in their reply. They have violated my rights, the Fair Debt Collections Practices Act, caused me stress, and defamed my character.
Consumer complaint received 2022-10-22
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. (PA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : 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 2020-01-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I wrote TransUnion to inform that there are creditors that theyre allowing to report against my credit report that I have no legal binding contract with. And they informed me that I would have to get an attorney to have the items removed.
Consumer complaint received 2022-11-21
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: EQUIFAX, INC. (CA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX Credit Bureaus was XX/XX/ 2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified account without any proof provided, within the time allowed by law, is not authorized. The account listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX : {$160.00}
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2023-02-13
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. (MO)

I, XXXX XXXX XXXX, have recently discovered that I have been a victim of identity theft. Below are the incorrect transactions or experiences that I was not aware of being reported to my consumer report, nor did I give my expressed consent to allow such reporting. I was not the beneficiary in the inquiries listed below and on my consumer report and was unaware of such inquiries until now. The transactions/experiences as well as the incorrect personal information is to be deleted from my consumer report as it is damaging my reputation and alters my being able to provide for my family. Please remove and delete the following transactions/experiences : 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  ( acct XXXX ending in XXXX ; delete late payment reported XXXX XXXX ) XXXX XXXX, XXXX XXXX XXXX ( acct XXXX ending in XXXX ; delete late payment reported XX/XX/XXXX ) Erroneous Names & Addresses XXXX ( Formerly Known As ) XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX, MO. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR. XXXX XXXX XXXX XXXX  XXXX, XXXX, MO. XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

Hello, To whom this may concern I have sent letters out on the XX/XX/2023 to remove all incorrect information on my credit, I provided all three bureaus ( Experian, XXXX, and XXXX ) with my current and most up to date information, I even provided proof of identification ensuring that it is I requesting this incorrect information to be removed immediately from their reports. In each letter I stated that I would like to receive my proof of reassurance by mail addressed to the address printed on the letters and I also gave them 30 days to do so and by law since they have not been in contacted with me within those 30 days they are entitled to remove all incorrect information from my credit report immediately.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX XXXX XXXX, and I am preparing this message. It has come to my attention that there have been several accounts created under my name fraudulently. My information was used to obtain financial goods or services. The listed accounts in this report are not mine. According to 15 US Code section 1681-C-2A consumer reporting agencies about block the reporting of any information in the file of a consumer that the consumer identifies is information that resulted from alleged identity theft. Also, 15 US code 1681 section 604A Section 2 states a consumer reporting you see can not furnish an account without my written instructions. The listed accounts here never should have received any instructions or consent for me to report anything on my consumer report. No consent is identity theft. I am demanding the deletion and removal of these accounts listed in this file immediately. UNAUTHORIZED HARD INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX