davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX XXXX 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 : US DEPT ED DPT ED/XXXX US DEPARTMENT OF EDU DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX 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 : US DEPT ED DPT ED/XXXX US DEPARTMENT OF EDU DEPT OF ED/XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX 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 : US DEPT ED DPT ED/XXXX US DEPARTMENT OF EDU DEPT OF ED/XXXX
Consumer complaint received 2021-06-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: WELLS FARGO & COMPANY (NC)

XX/XX/XXXX I'd sent to Wells Fargo a letter inquiring about two accounts listed on my credit report from them. XXXX came and I had received no letter back from them and XX/XX/XXXX I proceeded to fax over a failure to respond. I received by email from them about a week later that they'd received my correspondence and would get back to me. I ended up calling and speaking with one of the representatives in XXXX who assured me my mail had not been sent to another address. She told me all correspondence had been mailed to my current address. By XX/XX/XXXX I'd finally gotten the documentation I'd originally asked for in XXXX. As well as confirmation that my mail had been sent to another address that is about 7yo. The letter also stated that I'd never updated my address with them however in XX/XX/XXXX they had my address when I initially asked about the account. Looking through the paperwork they'd sent me and what they'd sent to the other address my XXXX name and last 4 of my social security number was listed on multiple documents. The bank did not do its part in protecting my information. I have no idea who lives at the address where they sent my mail to. I feel I was lied to when the lady I spoke with assured me no mail had been sent there. This irresponsibility has set me back for an additional 3 months due to waiting on documents as well as the potential for someone to use my information to obtain credit in my name. My address was updated with them as of XX/XX/XXXX. I have since had to place a lock on all accounts in hopes to stop potential use of my information. This action costs money of course. It was my thought that according to FCRA responses to consumers should be within 30-45 days. I called the credit Bureau as well who advised of what actions to take. They also provided confirmation that the address used by Wells Fargo is also not listed on my credit report. XXXX is well beyond the 45 day mark and I am hoping to have some resolution regarding this issue. I feel this entire situation was due to someone negligence as they had an updated address yet chose to send correspondence to an address they had listed on an application as they stated in their letter to me.
Consumer complaint received 2020-04-01
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. (TX)

XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX 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 : US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DEPT OF ED/XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX XXXX 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 : US DEPARTMENT OF EDU XXXX  XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX 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 : US DEPARTMENT OF EDU XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX DEPT OF ED/XXXX
Consumer complaint received 2020-04-01
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 my 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 2020-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

TransUnion LLC XXXX XXXX XXXX XXXXXXXX, 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 : XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 : XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 : XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX
Consumer complaint received 2020-04-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

My Mortgage was transferred to LoanCare on XX/XX/2020 from XXXX XXXX XXXX  ( XXXX  ). My Mortgage payment was sent electronically by XXXX on XX/XX/2020 and paid {$1800.00}. Delivery time was 2 Days, Transaction Number XXXX. The Account number that was used was the old account number under XXXX # XXXX, because they never sent a new account number number until I had already made payment. I think everything is fine until on XX/XX/2020, I start receiving calls that I have not made my mortgage payment. I call LoanCare and explain, that I made my payment, and provide details. I keep getting telephone calls. I go to XXXX, and request proof of payment and email it to them. They assign it to to a research analyst and ask for 48 hours. During this time I still get telephone calls to call LoanCare. I sent another email with proof again and they assigned another research analyst. I call again and am able to get through on XX/XX/XXXX and am able speak to XXXX at XXXX for 53 mins and explained the problem. They had posted my payment to another account. My new A/C is XXXX. They were able to apply my payment to my account. However, the payment is posted to my account on XX/XX/XXXX, not when they received it. She told me not to worry. I said that is unacceptable ; I paid on-time. That needs to be corrected. I have sent emails and they have not corrected.
Consumer complaint received 2020-04-01
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: Sterling Credit Corp. (NJ)

I have already resolved the payment with Sterling Credit Corp as of XX/XX/20, but the payment of {$730.00} still appears on my credit report. Sterling Credit Corp tells me to call XXXX XXXX XXXX XXXX to remove it from my credit report. When I call them they tell me to call Sterling Credit Corp . I can not get to anywhere, nobody is trying to help me.
Consumer complaint received 2020-03-21
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (TX)

My mortgage payments for XXXX, XXXX, XXXX, XXXX, XXXX were mishandled by Mr. Cooper. I made additional payments to ensure that my account was never delinquent. Also my hefty escrow payments were to temporarily be allocated to cover any money that was owed as our family dealt with a financial hardship. I am asking that the information showing my account as 30 days late in XXXX, XXXX, XXXX of 2019 be removed. Furthermore I am asking that the information showing my account as 60 days late in XXXX of 2019 be removed. I communicated extensively with my mortgage provider and was guaranteed that my credit would not me negatively impacted as I continued making my mortgage payments on an alternate schedule during my families financial hardship. I ask that these 4 black marks reflecting late payments in 2019 be removed from my XXXX  credit report.
Consumer complaint received 2020-03-20
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: ONEMAIN FINANCE CORPORATION (NC)

My husband has a title loan with One Main Financial. I am not on the loan account. My husband was in the hospital from XX/XX/XXXX through XXXX XXXX. While he was in the hospital our family had NO income. He had originally authorized automatic payments to be deducted from our joint checking account to pay this loan each month. Since our family could not pay the loan in XXXX i called One Main to explain the situation. They would not allow me to stop the automatic payment because i am not on the loan account. I called the CFPB and spoke with a woman who advised I write to One Main revoking authorization to take the payment out of our joint bank account. I wrote an email on XX/XX/XXXX but it was not 3 business days ahead of the withdrawal, and they took the money out of our account. Our checking account had a negative balance for 4 weeks after this. One Main did not deduct the payment for XXXX, however they did deduct the payment for XXXX. I called and spoke with someone in the One Main office who stated that my email was not received, then he said that it was only effective for one month, then he stated that my husband gave authorization to take payments out again, which he DID NOT. My email stated " As of today I am revoking authorization to take automatic payments out of our 'bank name ' account on file. '' So now they withdrew every dollar in our account and I have no money to feed our XXXX  children until our next paycheck in a week.
Consumer complaint received 2020-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX XXXX 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 : US DEPARTMENT OF EDU XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX DEPT OF ED/XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX 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 : US DEPARTMENT OF EDU XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX DEPT OF ED/XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX 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 : US DEPARTMENT OF EDU XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX DEPT OF ED/XXXX
Consumer complaint received 2020-03-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (TX)

I went into the XXXX XXXX XX/XX/XXXX. Before I left the US, I closed or suspended all accounts that would not be used while I was gone. I contacted XXXX XXXX XXXX XXXX. Because they did not allow for more than 6 months suspension, I closed my account, with the intention of reopening the account upon return XX/XX/XXXX. 
I paid my final bill of {$52.00} on XX/XX/XXXX and closed my account. I no longer received the e-Bill through my on-line banking bill pay. 
I returned in XXXX to find letters ( all mail had been forwarded to my mothers home ) from Credence ( collection agency ). They were very nice and helped me dispute the charges ... twice. 
I have contacted XXXX XXXX XXXX ... they did NOT listen. They simply asked me to pay their bill! 
I have been with XXXX XXXX XXXX for many years and have paid on time. Although, they would notify me about my e-Bill, they never notified/emailed me that these charges were going unpaid. If they had, I would have known a mistake had been made, and in turn, reminded them that the account was closed while I was in the XXXX XXXX. Does XXXX XXXX XXXX do this to other customers who are serving our country?
Consumer complaint received 2020-03-21
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (OK)

Our original Loan service ( XXXX ) was aquired by NewRez back in XX/XX/2020. 
We were contacted by NewRez loan Retention and Offered a spectacular Refinance option that required no out of pocket costs or appraisals. During the initial Refinance the communication was excellent. Once we submitted all documentation by XX/XX/2020 we received an email letter of congratulations that our loan had been approved with the new locked in rate of 3.7 % we were instructed that we would most likely move to closing before the end of XXXX. After this approval email, In XXXX received several phone calls asking for the required documents ( which were already sent in XXXX ) They had me send them to the same email several times, each time I questioned the whereabouts of my documents and there was no explanation. Afterwards I had had ZERO success reaching NewRez via email or telephone. My NewRez Loan processor refuses to return my calls or emails since XX/XX/2020. I filed a complaint with NewRez on their website and receive a certified letter in the mail that offered no help whatsoever, with Phone numbers that lead to irrelevant service departments. Now with the current world situation we are very concerned about the status of this refinance and have received Zero assistance, They claim my file is sealed, say that my loan processor is available and when transferring they hang up on me. I have all my attempts of email communication documented and can provide when necessary. 

Thank you.