davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (FL)

I've always paid on time for this account, so seeing an inaccurate late payment record is giving me a great deal of concern. I have never wavered in my dedication to making payments on schedule. This miscalculation has had a huge influence on my mental health, hurting my sleep and peace of mind. I humbly request that my account be corrected immediately, and I hope you realize the severity of the matter.
Consumer complaint received 2022-04-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY ()

On XX/XX/XXXX we closed this account, as Wells Fargo had advised us that they would no longer maintain our account due to our main residence being in the XXXX. 

On XX/XX/XXXX, Wells Fargo advised it was returning {$680.00} to us because of a Bill Pay check that had never been presented, but which had already been debited from our Wells Fargo account early in XX/XX/XXXX. 

As our account had already been closed, we made an appointment and physically visited our nearest Wells Fargo branch ( XXXX ) on XX/XX/XXXX in order to collect the {$680.00}. 

We were told that the branch could not write us a check, because a check had already been raised and posted to our address in the XXXX. 

As we were not returning home ( to the XXXX ) for another three weeks, we asked them to cancel the posted check and write us one on the spot, so that we could quickly access the {$680.00}. 

They refused to do this and insisted we had to wait until we returned to the XXXX and we would have to pay the check into our new US bank account from there. We protested this as we felt the matter should have been fully resolved while we were physically present in the bank and the issue was raised to the Branch Manager. Our request was rejected. 

We asked what would happen if we returned home and there was no check, but no answer was given and we had to leave without our {$680.00}. 

To recap, there has never been any dispute that Wells Fargo has been holding {$680.00} of our money since early in XXXX, but it flat refused to refund it to us when we presented ourselves to their local branch on XX/XX/XXXX. We were already well known there as we had visited many times during the preceding six weeks, because Wells Fargo had forced us to close our account with them due to a " change in the bank 's policy ''. 

When we returned home, there was no check from Wells Fargo waiting for us. 

On XX/XX/XXXX, I emailed our contact at the branch explaining we had received no check and asking for Wells Fargo now to agree to wire the {$680.00} directly to our new bank account. 

All that has happened since then is that the branch has escalated the issue once more to its " XXXX '' Wells Fargo has had {$680.00} of our money since early XX/XX/XXXX, but still, on XX/XX/XXXX, has not even confirmed its willingness simply to make a wire transfer of {$680.00} back to us. 

We have been sending frequent secure messages to the " XXXX '' for about six weeks now and advised them of our new account details on XXXX XXXX so they could easily wire us the {$680.00}. 

Their ONLY response has been to regret the delay, but they have given us no idea as to when we will receive what is owed to us. 

Wells Fargo 's incompetence and lack of any professional response since XX/XX/XXXX is incredible and we want our {$680.00} back immediately, preferably with compensation for the extended delay.
Consumer complaint received 2022-04-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (NJ)

I received a letter dated XX/XX/2022, from Credence LLC stating I have an alleged debt that they have overtaken. They are asking for me to send them {$1500.00} to resolve a so-called account that their company has taken over.
Consumer complaint received 2022-04-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (FL)

I made a mortgage payment to Amerihome Mortgage on XX/XX/XXXX in the amount of {$2400.00}. The payment never posted to my account. I've talked to 4 supervisors and over 20 agents. They misplaced one other payment, and after 2 months they finally posted that one. The first payment never posted. The bank sent four transmittal reports by fax. They have received everyone and says it's in review. They continue to close the accounts, and I have to get them to open the same one every month. One agent said my payment would be posted on XX/XX/XXXX but I still haven't seen anything.
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. (FL)

I implore you to take immediate action to get these unlawful inquiries removed from my credit report. They are seriously upsetting me, and I can verify this with the paperwork I've given. Please look into this situation as soon as possible.
Consumer complaint received 2022-04-22
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. (GA)

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. us bkpt ct XXXX XXXXXXXX refrence number XXXX, XXXX XXXX XXXX account number XXXX, us dept of education account number XXXX has violated my rights 15 usc 1681 section 602 a states i have a right to privacy 15 usc 1681 section 604 a2 section 2 it also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-04-22
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: EQUIFAX, INC. (GA)

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. us bkpt ct XXXX XXXXXXXX refrence number XXXX, XXXX XXXX XXXX  account number XXXX, us dept of education account number XXXX has violated my rights 15 usc 1681 section 602 a states i have a right to privacy 15 usc 1681 section 604 a2 section 2 it also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MS)

15 U.S.C SECTION 604 A SECTION 2 states a consumer reporting agency can not furnish a account without my written consent. 

15 U.S.C 1681 SECTION 602 A states I have a right to privacy XXXX XXXX XXXX XXXXXXXX XXXX 15 U.S.C 1661 states that NO reporting agency can report a payment as late on an opened ended account for any purpose or reason. 
XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1692 C Communication with the consumer without prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt XXXX XXXX XXXX ORGINAL CREDITOR : XXXXXXXX XXXX XXXXXXXX ) ACCT # XXXX THESE ACCOUNTS ALSO DONT HAVE MATCHING INFO WITH THE OTHER BUREAUS AS WELL SUCH AS -- DATE LAST ACTIVE -- DATE LAST REPORTED -- DATE OPENED -- PAYMENT STATUS -- PAYMENT STATUS THESE ACCOUNTS MUST BE DELETED IMMEDIATELY!!!
Consumer complaint received 2021-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TRANS UNION REFUSED TO DELETE NEGATIVE INFORMATION STATING THAT IT DOES NOT APPEAR ON THE CREDIT REPORT. 

THE DOCUMENT ATTACHED SHOWS THAT IT DOES.
Consumer complaint received 2022-04-22
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. (CA)

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. 
XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account account # XXXX, has violated my rights.

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 5 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 2022-04-22
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. (GA)

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. us bkpt ct XXXX XXXX refrence number XXXX, fXXXX XXXX XXXX account number XXXX, us dept of education account number XXXX has violated my rights 15 usc 1681 section 602 a states i have a right to privacy 15 usc 1681 section 604 a2 section 2 it also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2019-11-26
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (MT)

Synchrony Bank sent series of emails that a deposit had been made to an Amazon XXXX  account in my name ; I had never applied for one. Then they sent an email that was blank, and the next day they sent an apology that the whole thing was an error. My complaint is that they didnt give any way to contact them if further questions or concerns, and they didnt explain how they got my email address and what their relationship is to Amazon. Consumers should be entitled to both those
Consumer complaint received 2022-04-22
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

Collection of my VA loan recently changed from XXXX to Carrington. I sent Carrington my check for {$5000.00} with specific instructions that the amount should be applied to my principal. Carrington cashed my check and instead of applying the amount against my principal, they prepaid monthly payments into XXXX to include the prepaying of escrow amounts. I have never been late with a payment against my loan with XXXX and I have already made my first payment to Carrington. I contacted Carrington and they said they would correct the error within 48 hours. Five days later, the amount was still listed on their website as applied against my monthly payment. My principal was not reduced and my non-interest bearing escrow ( for me ) has exceeded the amounts needed yearly. I contacted Carrington a second time and they told me that " these complaints are handled in the order they are received and it will be 30 days before they can solve my problem ''. They are using my money and denying me the reduction in principal. Carrington is handling my VA loan in a disreputable fashion.
Consumer complaint received 2022-04-22
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: EQUIFAX, INC. (OK)

In accordance with the Fair Credit Reporting act XXXX Account ending in XXXX from XXXX XXXX XXXX, has violated my rights. 

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
Consumer complaint received 2022-04-22
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. (OK)

In accordance with the Fair Credit Reporting act XXXX Account ending in XXXX from XXXX XXXX XXXX, has violated my rights. 

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
Consumer complaint received 2024-02-19
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: Experian Information Solutions Inc. (TX)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2022-04-22
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: EQUIFAX, INC. (NY)

Im accordance with the fair credit reporting act XXXX XXXX Original creditor : XXXX XXXX Account XXXX XXXX has violated my rights XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX 
Account number XXXX has violated my rights XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX XXXX. 
Account number XXXX has violated my rights XXXX XXXX  Account number XXXX has violated my rights 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
Consumer complaint received 2022-04-22
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. (NY)

Im accordance with the fair credit reporting act XXXX XXXX Original creditor : XXXX XXXX Account XXXX XXXX has violated my rights XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX 
Account number XXXX has violated my rights XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX XXXX. 
Account number XXXX has violated my rights XXXX XXXX  Account number XXXX has violated my rights 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
Consumer complaint received 2022-04-22
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. (NY)

I recently found that there are several inaccurate items on my credit report that dont belong to me. I do not have a record of doing business with these companies. If these items are not deleted from my credit report immediately within 30 days. I have documented all correspondence with your company.
Consumer complaint received 2022-04-22
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. (CA)

I recently found that there are several inaccurate items on my credit report that dont belong to me. I do not have a record of doing business with these companies. If these items are not deleted from my credit report immediately within 30 days. I have documented all correspondence with your company.
Consumer complaint received 2022-04-22
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. (FL)

I been back and forth with Experian over many inaccurate information on my report their investigation says it accurate when i call the creditor most cant even verify the information due to being over 7 yrs of age Experian keeps reporting inaccurate information causing financial hardship on me this compliant is my last attempts to have this correct without proceeding with legal actions against Experian and the creditors for hardship damage
Consumer complaint received 2022-04-22
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: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX I have reached out to each company and havent gotten any positive results I do not recognize any of the above inquiries
Consumer complaint received 2022-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX I have reached out to each company and havent gotten any positive results I do not recognize any of the above inquiries
Consumer complaint received 2016-05-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (OR)

I am submitting some more documentation concerning my Public Service Loan Forgiveness credit. 
I thought it best to submit documentation based on the various issues, rather than the whole laundry list as it might be easier to deal with that way. 
I did send these letters to FedLoan as well as the Ombudsman. 
Description of the letters attached : 1. Public Service Loan forgiveness issue which is my letter with my payment history under the program. 
2. The PSLF annual form. Please note the Employment begin date of XXXX/XXXX/2010 on page XXXX, section XXXX. 
3. FedLoan 's recent review of my PSLF credit which is an abomination, and has no relevance to the facts. 

All along they have tried to minimize my service, this last letter is grossly wrong and obviously written in such a way that I 'll be paying for over 7 more years, rather than the 4.5 years that I have left to serve. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-04-22
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. (TX)

XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX I have reached out to each company and havent gotten any positive results I do not recognize any of the above inquiries
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. (NJ)

Dear Experian Dispute Center, I am writing to formally dispute several inaccuracies on my Experian credit report. I request the immediate removal of the following accounts, as they do not belong to me XXXX XXXX : XXXX XXXX XXXX : XXXX I have never opened any accounts with these names and have no knowledge of their origin. These inaccuracies are damaging to my credit score and must be corrected promptly. 
Additionally, I dispute the late payment status listed for my XXXX XXXX XXXX account XXXX to the best of my recollection, I have always made timely payments on this account. Please investigate this discrepancy and consider my statement when updating the account status. 
For your reference, I have attached copies of the following documents to support my dispute : A government-issued photo ID ( driver 's license, passport, etc. ) A recent utility bill or bank statement I kindly request that you investigate these inaccurate accounts and update my credit report accordingly. Please inform me of the progress and outcome of my dispute within 30 days, as required by the Fair Credit Reporting Act ( FCRA ). You can reach me at ( XXXX ) XXXX or XXXX. 
Thank you for your time and attention to this matter. 

Sincerely,
Consumer complaint received 2022-04-22
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. (NC)

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX Balance : {$4300.00} XXXX XXXX  XXXX Balance : {$7800.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$2800.00} XXXX XX/XX/2020 US SM BUS ADMIN ODA XX/XX/2020 XXXX XX/XX/2020 XXXXXXXX XXXX  XX/XX/2020 XXXX  XX/XX/2020