davidheineman/consumer-finance-complaints-large huggingface dataset:
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ( names, accounts or inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-04-05
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. (MA)

How corrupt can XXXX  be, I have told them about the error on one of the accounts on my credit report and they sent me a document telling me that the creditor verified the account. The XXXX XXXX account with account number XXXX is being reported wrong and I have told them this, XXXX  is not willing to fix the error but they wont delete the account either, the open date on this account is different from what XXXX and TRANSUNION are reporting, how can this be happening if this is the same account and the same creditor. According to the FCRA, errors on my credit report must be deleted or corrected, I have never said that this account isnt mine, but I did tell XXXX  to investigate because the open date on this account is wrong.
Consumer complaint received 2020-04-05
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. (MA)

How corrupt can XXXX  be, I have told them about the error on one of the accounts on my credit report and they sent me a document telling me that the creditor verified the account. The XXXX XXXX account with account number XXXX is being reported wrong and I have told them this, XXXX is not willing to fix the error but they wont delete the account either, the open date on this account is different from what Experian  and XXXX  are reporting, how can this be happening if this is the same account and the same creditor. According to the FCRA, errors on my credit report must be deleted or corrected, I have never said that this account isnt mine, but I did tell XXXX to investigate because the open date on this account is wrong.
Consumer complaint received 2020-06-09
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. (CA)

Credit Bureaus refuse to remove or verify an incorrect collection that is not mine. XXXX  XXXX in the amount of XXXX . This account is violating the FCRA laws. Needs to be removed
Consumer complaint received 2020-04-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BSI Financial Holdings, Inc. (CA)

I refinanced a mortgage held by BSI Financial Services. My loan escrow company requested a payoff statement on XX/XX/2020 from BSI but the payoff department did not respond until XX/XX/2020. The payoff statement sent was not accurate as it did not consider a XX/XX/2020 payment I made which was posted to my account and available to the payoff department prior to sending the inaccurate statement to escrow. A corrected payoff statement was immediately requested by telephone but was not received until XX/XX/2020. The delay resulted in my having to pay an additional amount of interest to BSI than I should have. In addition, a fee for extending the loan process was charged.
Consumer complaint received 2020-03-26
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: FC HoldCo LLC (CA)

the reason i am writing you is because i sent you two letters informing you i made not such request for this credit check, i asked the company wheres the evidence that i initiated these requests and they failed to respond.
Consumer complaint received 2024-02-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CA)

I did not authorize anyone from these companies to access my credit report, violating the Fair Credit Reporting Act Section 1681b ( c ) and my privacy rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-12-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

During the start of the pandemic, XX/XX/2020, the mortgage company, Right Path Servicing, decided to pause my monthly payments. Three years later, I have been struggling since the beginning of this year to receive my monthly statements. I did apply for XXXX  because of my current situation. I am not able to complete my application because the mortgage company has failed to provide me a monthly statement. I have called, submitted ticket numbers, been transferred to various people, and I have not received a single monthly statement.
Consumer complaint received 2020-03-26
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PENNYMAC LOAN SERVICES, LLC. (SC)

I went through a nasty divorce that finalized in XX/XX/XXXX. I had to file Chapter XXXX Bankruptcy die to the divorce. It was discharged in XX/XX/XXXX. 
However, on my credit reports it shows the PennyMac Mortgage as CLOSED and INCLUDED within the BK. 

This mortgage WAS NOT included in the BK and I still live in the home and have never missed a payment. 
I need this to report as such to improve my overall FICO score. 

PennyMac, for whatever reason, REFUSES to report my on-time Payments to ANY of the Credit Bureaus. 

I can not understand why they will not just report this info like they have for years? 

Please help me!
Consumer complaint received 2020-03-26
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. (FL)

I am writing to inform you that you are continuing reporting inaccurate information in my credit file. While I believe, I can document significant noncompliance by your bureau, it is my hope that this matter will not progress to the point of litigation or administrative action. Specifically, in my letter I indicated that I dispute the following information reflected in my credit report : XXXX : XXXX The payment status is incorrect, please delete. 
XXXX XXXX : XXXX The account status is inaccurate, please delete. 

DEPT OF EDUCATION/XXXX : XXXX The terms reported are incorrect, please delete.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

I am writing to report instances of identity theft and inaccuracies on my credit report. My name is XXXX XXXX, and I am gravely concerned about the false information associated with my identity. Despite repeated requests, the following erroneous entries persist : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This marks the third occasion I am formally addressing this issue. As a consumer protected by the Fair Credit Reporting Act ( FCRA ), I am exercising my right to opt out of any and all authorizations, whether explicit or implied, as stipulated by 15 USC 6802. 

Furthermore, I wish to clarify that the address listed as XXXX XXXX XXXX XXXX XXXX SC XXXX is not mine ; it is a non-mailable address. I demand an explanation regarding the origin of this address, as its inclusion violates my rights under the Privacy Act of 1974. 

The entry pertaining to DEPT OF ED/XXXX, opened on XX/XX/XXXX and XX/XX/XXXX, is in direct violation of the Family Educational Rights and Privacy Act ( FERPA ) , as outlined in 20 USC 1232 and 34 CFR 99. 

Moreover, I affirm that I have no association with XXXX  XXXX XXXX XXXX and XXXX XXXX XXXX. According to the Internal Revenue Service ( IRS ), reporting transaction history is unlawful. Additionally, any charge-off or collection must not be reported as income on my credit report. These entities have unlawfully utilized my Social Security Number ( SSN ), contravening the provisions of 5 USC 522a. 

XXXX and XXXX XXXX XXXX have breached 15 USC 1681 by disregarding permissible purposes. 

I am hereby requesting prompt action to rectify these inaccuracies and eradicate any trace of fraudulent activity from my credit report.
Consumer complaint received 2020-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (GA)

I cancelled the card on XX/XX/2019. I was charged XXXX on XX/XX/2019 ,XX/XX/19 ,XX/XX/19, XX/XX/XXXX. XX/XX/19 XX/XX/19
Consumer complaint received 2020-03-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/XXXX I was able to review mail received from Wells Fargo Bank notifying me that my account will be closing on XX/XX/XXXX due to an unauthorized ATM check deposit on XX/XX/XXXX that was made on my account that could not be processed. I called the Fraud Prevention Department for Wells Fargo and explained to the specialist that I received information of my account closure and reported that I was a victim of a robbery on XX/XX/XXXX informing them that my phone, wallet which included my ID, SS card and credit/debit cards were stolen and the check deposit on XX/XX/XXXX was not made by me. I informed them that I have a police report and video surveillance that can prove the transactions were not made by me and as it is still an open investigation. I asked the specialist how can I fix the issue or what are my options to correct the problem with my account. I was asked to be placed on hold and then when the specialist returned she asked me a series of questions related to receiving my temporary debit card, the card activation and pin. I did explain to her that I received a temporary card/pin at the bank that was activated and the pin was placed on the card by the Bank representative. I placed the card in my wallet and didnt think anything of it since there was no reason for me to use the card at the time, so I did forget the pin was attached to my card. I was advised due to the inactivity of the account and the pin since the pin number was not removed from my card it is determined that I am high risk to the bank and my account will be closed as scheduled. She also mentioned that there was a previous account opened in my name for three months that I was unaware of that was closed for inactivity. 

I opened my bank account with Wells Fargo in hopes to be a loyal customer and to complete all my banking needs during the process of me becoming employed and needing direct deposit. In the attempts of me finding employment my jobs fell through which is the reason for the inactivity on my account. I explained all this information to the Fraud specialist whom I felt had no understanding and continued to advise that my account will be closed and I will need to go to another bank to open an account. I was not offered the opportunity to appeal the decision or to provide documents of any sort to provide my case to prevent my account from closing. I am very dissatisfied with the customer service I received especially after the traumatized as a victim of a robbery and to be told that I am losing my account was disappointing.
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. (IL)

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (CO)

On XX/XX/2020, I was physically assaulted and robbed. The two robbers knocked me out and stole my wallet amongst other items. 

One of the cards in my wallet was a Best Buy Citi Visa Card which they used to make 2 purchases. 

XX/XX/XXXX. - XXXX XXXX XXXX XXXX {$260.00} XX/XX/XXXX. - XXXX - {$23.00} Total : {$290.00} I disputed these charges on XXXX or XXXX ; however, the company took multiple weeks to process the dispute refunds. 

My regular purchase balance was {$1000.00} and my additional purchases for that month including the fraudulent charges totaled {$530.00}. 

I paid {$1400.00} towards that balance, so XXXX + XXXX - XXXX = {$190.00} Since I did not pay the full balance, I was charged {$15.00} in interest. 

However, had they processed the dispute in a timely manner like all my other credit cards, or been responsible in their billing and not included the disputed amount in my balance, then I actually paid more than what was due. The card does have 0 interest amount that the extra amount was meant to pay down. 

Therefore, XXXX + XXXX - XXXX ( disputed ) - XXXX = XXXX This shows that I paid more than the regular interest balance had the disputed transactions ( which were eventually refunded ), not been included in the regular interest calculations. 

I am requesting a refund of {$15.00} in interest charged as a result of their error. 

I did file a claim with the company a couple weeks ago, and I have not heard back. The interest fee has yet to be refunded. 

I have attempted to contact their security ops department to follow up, but the hold time is too long. 

Attached are both my XXXX statement which shows the disputed transactions and my payment towards the regular interest amount and my XXXX statement which shows that the two disputed amounts were refunded.
Consumer complaint received 2020-04-04
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Lil' Wave Financial, Inc. (CA)

Before signing the loan documents with XXXX XXXX XXXX  , XXXX License # : XXXX, Owner XXXX XXXX , I contacted Superior Loan Servicing representative named Ms. XXXX who clarified my questions ; Manager is XXXX XXXX . Among the questions Ms. XXXX clarified ( see notes on Loan Terms ), I asked about the Default Interest of 17.50 %. She made it clear that that interest charge would only be due if a legal Notice of Default is filed. 

Upon closing, they padded the final seller 's statement. In addition to th

e Interest of {$2800.00}, that added another interest line item for an inflated amount of {$15000.00} ; equivalent to 17.50 %. This doubles the amount that is due at closing. They misrepresented this charge as regular interest when it was the value of the Default Interest. I was never in default, nor did I ever receive a notice of default, nor was a legal Notice of Default ever filed. When I asked about this payment, they said it was default interest, but I never received a
default notice and the itemized line item does not specify exactly what the charge is for. I only received multiple harassing phone calls and emails from both the servicer at Superior Loan Servicing and the mortgage loan originator XXXX XXXX stating that I was in default when I was not. 

I was under duress because XXXX XXXX and the Servicer constantly called me, threatening that they will take my house in foreclosure. He sent emails that presented coercive terms where he had investors who would pay off the loan I owed him, but that they would take the house. He just kept saying otherwise sue him, but I couldn't afford the attorney. 

I told them that their contract requires a notice of default which I never received because I was not in default. Plus, both the mortgage loan originator and the servicer knew I was waiting for my investor to buy the house and that the short-term private mortgage was needed until I found an investor to help me renovate. Which happened without being in default. I did pay agreed-upon late payments, but I was never in default. Therefor

e, the Originator, by harassing me and claiming I was in default was in breach of contract. I sent several certified letters to the Originator. One he responded to, the other he completely ignored. The Servicer also received certified letters but  pointed the finger at the originator. However, it is the servicer that reported the accounting to the XXXX Title Company 's Final Seller 's Statement, and therefore, responsible for the illegal padding. 

This was my family home, and after the tenants destroyed it and after the squatter recked it ( police used guns to get them out ), I had no choice but to figure out how to renovate it and bring it to market value.

If you review the contract, this interest amount is fraudulent and at best, I would consider it padding.
Consumer complaint received 2022-12-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (SD)

Amount of debt in dispute collection company has stated is {$1400.00} but original creditor was {$1300.00} which I notified of dispute also. They have choose to ignore requests to verify debt and now adding fees. Documentation attached.
Consumer complaint received 2024-02-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

There we're a multiple fraudlent accounts opened at Bank Of American, XXXX XXXX and A XXXX  XXXX Credit card opened in my name. I never opened these accounts nor did I ever have any association with any other these accounts because of these accounts I am unable to open an checking account with Bank of America and XXXX and Im also unable to open a credit card with bank of america
Consumer complaint received 2020-04-04
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)

XXXX XXXX is reporting 4 late payments on my credit report. I was never late. When I contacted XXXX XXXX I was told that it was a mistake with their company. The only way to fix it was to submit a dispute with all 3 credit bureaus. Each time I submitted a dispute with all 3 bureaus, it comes back as verified as correct information. However, when I spoke with XXXX XXXX, the company stopped reporting my payments late, however, they have not removed the late payments after I sent the dispute to the credit bureaus
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 — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I contacted TransUnion on XX/XX/XXXX concerning an inaccuracy in their credit report file. While no other credit reporting company ( XXXX, nor XXXX  ) reports any negative information concerning my account ( a VISA card with XXXX XXXX XXXX # XXXX ), TransUnion does. 
I received a response to a dispute report I submitted XX/XX/XXXX from TransUnion dated XX/XX/XXXX that stated : " XXXX XXXX XXXX # : XXXX XXXX XXXX XXXX XXXX XXXX , IN XXXX ( XXXX ) XXXX We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE. '' It is my understanding that a credit report can not report negative information on an account after .... '' 7 years from the date the account was charged off or for 7 and a half years from the date the first delinquency occurred. '' I have previously verified with XXXX XXXX XXXX that my account was first reported to credit reporting agencies prior to XXXX, XXXX, a date more than " 7 and a half years '' prior to XXXX, XXXX. 
It is also my understanding that " under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) for knowing violations of the Act, the per violation penalty is {$3700.00}. '' As I included all of the pertinent information contained herein to TransUnion in my dispute notice, and TransUnion reports XXXX XXXX " verified '' the challenged statements as " accurate, '' both parties have violated their Fair Credit Reporting Act obligations. 

I respectfully request that TransUnion and XXXX XXXX XXXX, both be assessed penalties of {$3700.00}. I also request that TransUnion and XXXX XXXX XXXX be directed to correct their reported information, specifically that no negative information be reported by them concerning my closed Visa account # XXXX. 

I will be forwarding a copy of this communication to XXXX XXXX XXXX. 

Sincerely, XXXX XXXX XXXX