davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have loan with XXXXXXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report for the month of XXXX I have read enough to understand my rights. The 3 Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXX XXXX XXXX Date Opened : XX/XX/ Balance : {$0.00}
Consumer complaint received 2020-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo submitted to XXXX  on XX/XX/XXXX that I was deceased. This is incorrect and Social Security has notified Wells Fargo of this but they have still not corrected my information with XXXX. So my credit score went from XXXX with XXXX  to XXXX, I can't get credit, I can't refi, I can't get a loan, and this will interfere with me getting a job. Wells Fargo is ruining my life and even though my identity and proof of life was made clear to Wells Fargo by me and by Social Security Administration. Wells Fargo is not moving to fix this with XXXX. Their record keeping and accuracy is obviously wrong. What else is wrong? And when given the facts, by SSA they still do not move to fix it. Please, I need my credit and my life back. Thank you
Consumer complaint received 2024-02-19
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. (VA)

A third party collector show up on my credit report by the name of XXXX XXXX XXXX and I do not know who they are. It says sprint but I have never had sprint before. This information is false. And I would like it removed asap
Consumer complaint received 2020-04-04
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. (SC)

I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit
Consumer complaint received 2020-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XX/XX/2020

Re : Letter to Remove Inaccurate Credit Information : To Whom It  May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX   DEPTEDXXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF EDXXXX   DEPTEDXXXX XXXX  XXXX XXXX XXXX XXXX. XXXX   XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XX/XX/XXXX DEPTEDXX/XX/XXXX
Consumer complaint received 2020-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following it

em ( s ) below to be errors. This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX   DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom

It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. This letter is a formal complaint that inaccura
te information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX   DEPTEDXXXX Equifax Information Services LLC XXXX. XXXX   XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item (

s ) below to be errors. This letter is a formal complaint that inaccurate information is list on my credit report. The below infor
mation in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX   DEPTEDXXXX
Consumer complaint received 2024-04-17
Product: Mortgage — FHA mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover one instance of late payments recorded PENNYMAC LOAN SERVICES L. Perplexed by this discrepancy, I contacted PENNYMAC LOAN SERVICES L to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and this creditor to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, PENNYMAC LOAN SERVICES L swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2020-03-25
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. (FL)

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible! 

The accounts I am talking about are : XXXX XXXX XXXX   XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX/XXXX   XXXX XXXX/XXXX XXXX Bankruptcy Chapter XXXX- discharged XXXX
Consumer complaint received 2021-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN HONDA FINANCE CORP (MA)

I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
Consumer complaint received 2022-11-05
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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 2020-04-03
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

The Payroll Protection Protection program is out today through the Government. I went to my bank of 25+ years, Bank of America , and they denied my loan because I didn't have an existing loan or credit card with them. Decades of loyal use of their bank meant nothing. This PPP is literally a life-line for my business. If I don't get it, I'm laying people off in a week or two. The whole purpose of the PPP is to keep people employed so they don't add to the massive unemployment rate, yet Bank of America added a stipulation ( which has nothing to do with the gov guidelines ) ... they're actually requiring their customers to have an open loan or credit card with them. So they're prioritizing customers based on how much money they're making from them, such as interest made on loans or credit cards.
Consumer complaint received 2022-11-05
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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 : {$17000.00}
Consumer complaint received 2020-03-25
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. (PA)

On XX/XX/XXXX, XXXX XXXX  purchased my mortgage from XXXX XXXX. 

On XX/XX/XXXX I received multiple alerts from my credit monitoring services that I had received a hard inquiry on my credit report. This was performed on Equifax Mortgage Services ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, IA XXXX ; XXXX ) on behalf of XXXX XXXX  ( XXXX XXXX XXXX, XXXX, VA XXXX ; XXXX ). 

On XX/XX/XXXX or XXXX I called XXXX XXXX ( XXXX ) to report what I believed to be a fraudulent pull of my credit report. XXXX XXXX  mailed a letter dated XX/XX/XXXX indicating that they were investigating the report ; XXXX XXXX  mailed another letter dated XX/XX/XXXX indicating that they researched my account and found nothing wrong. I also received a letter in the mail dated XX/XX/XXXX " Notice to Home Loan Applicant '' with XXXX and Equifax 's contact information and my credit scores. 

I called XXXX two times on XXXX. On the first call, XXXX 's mortgage department told me that I would need to take this up directly with the credit bureau. I called XXXX  who told me I needed to request a " letter of deletion '' from XXXX or my local police station. I called XXXX again on XXXX, and the individual I spoke with indicated that they did not have a record of pulling my credit in conjunction with my existing mortgage, but that I should talk to their loan application department to see if there was a loan application there. 

I then proceeded to call Equifax Mortgage Services directly, and they told me that I'd have to request the letter of deletion from XXXX, but that they were requested to pull the credit in conjunction with my existing mortgage with the " loan number '' aka my existing mortgage with XXXX, the same loan number that XXXX denied that any credit pulls were associated with. 

At this point, XXXX is still refusing to admit that they performed a hard-inquiry on my credit report, despite it being reported on all three credit reporting sites and confirmed by their servicer, Equifax Mortgage Services.
Consumer complaint received 2020-04-03
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION (TX)

Due to the current COVID-19 virus situation which impacted our jobs, I contacted Sallie Mae today ( XX/XX/2020 ) to ask for forbearance but I was told that the decision will have to be made later and even if it is granted the interest on the loans will continue to accumulate and I deem this as greediness on the part of this company considering that it was no fault of any citizen of the country that this situation came into existence.
Consumer complaint received 2022-12-28
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

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 items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : 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 2020-03-25
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. (NJ)

Today XX/XX/2020 I recieve a phone call from a XXXX XXXX representative ( see attachtment ), regarding my previous complain true the CFPB and stating that what they send me was a contract between my person and XXXX XXXX. 

I repeat once again : I am requesting original and direct signed contract between my person and XXXX XXXX XXXX  and signed agreement or contract between XXXX XXXX XXXX  and XXXX XXXX XXXX that shows for how much this account and all my Confidential Personal Information has been sold.
Consumer complaint received 2020-04-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (FL)

I had a personal line of credit with XXXX  XXXX XXXX. XXXX  XXXX XXXX sold my loan to specialized loan services. The transaction took six months to get all theAll the paperwork. So in the meantime I am paying specialized loan services, XXXX  XXXX XXXX Computer doesnt realize that I making payments to new lender. So I received from the credit bureau 90 days late. Wrote a letter to XXXX  XXXX XXXX explaining what happened, they said according to their records everything was done correctly. Now specialized loan services is also said Im 90 days late on payment. So I have XXXX in mortgages the value of the property is {$1.00} XXXX and I cant refinance because of the late reporting. 

I tried to make up the late payments and specialized loan services said Im too far behind even though I had more than half the money to make up the arrears And now with the coronavirus I have no ability to make the payments to specialized loan services which is the second mortgage now I gather. 

So by complaint is my line of credit went from {$1000.00} a month for XXXX which I paid for close to eight months and now with my credit problem Im on able to refinance my house and Looking for help.
Consumer complaint received 2024-02-19
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.