davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

This complaint is regarding Wells Fargo Bank and the servicing of my mortgage loan. 

I have two mortgage accounts. One payment is in the amount of {$1700.00} and the second is {$1200.00}. I used the online web portal to schedule payments for XXXX. There was some software glitch that resulted in one mortgage payment posting. 

My credit score has been above 750 points plus, I have never missed a payment or made late payment. I have 1359 payments on time showing on my report. 
I was not contacted by the company about the missed payment I have spent 35 days trying to correct the issue the lender is reporting my delinquent to the credit bureau severely impacting my credit. 
Ive been a customer since 2009 using the same log in information I want to spread awareness about this issue as this company is exploiting good customers who make on time payments. I thought when I reported the bug someone would use common sense and logic to asses the account. I logged in on XX/XX/XXXX to make payments just as I do every month. The only thing different that I noticed is the logo and website looked like it had gone through an upgrade. The XXXX XXXX is saying there is no evidence of my making a payment. Im requesting them to look at my log in and my payment history. Why would I log in to my account and make one mortgage payment and ignore the second payment. I experienced an issue with their portal and instead of believing a good customer with over XXXX in accounts. Their resolution team is accusing me that I didnt make a payment because I cant prove it. I never had an issue with the online website before. Whatever occurred happened on XX/XX/XXXX. All I am asking is for my payment date to be corrected to XX/XX/XXXX and credit bureaus updated to remove the 30 day delinquency and the record to reflect my payment was made on time. 

Thank you
Consumer complaint received 2022-05-17
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. (MS)

Transunion has failed to properly verify the account in dispute and have sent a stall letter. My dispute letter wasnt sent from a third party I attached my license and proof of address. They are prolonging my 30 days investigation by sending them letter instead of properly validating or removing the accounts on my file.
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

in accordance with the Fair Credit Reporting act. XXXX XXXX BANK- XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 2023-07-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NJ)

Hi we have a checking account with Chase Bank. They are charging us for an internal transfer between our bank accounts after they took over First Republic Bank. This fee makes no sense because it is just their computer systems not agreeing. This is affecting my credit score and is them taking advantage of consumers who have unwittingly been forced into their systems as part of their takeover of First Republic. It is not my problem that their computer systems do not talk to one another.
Consumer complaint received 2022-10-13
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)

Asked companies to investigate account to make sure it was 100 % accurate and correct according to FCRA, account is still reporting inaccuracies causing harm to my credit. 

XXXX, In XXXX, XXXX Experian reported ok ( paid ), but on XXXX, XXXX XXXX reported 30 days late. Which bureau is 100 % accurate? 

XXXX. In XXXX, XXXX Experian reported 30 days late, but in XXXX, XXXX XXXX reported ok ( paid ). Which bureau XXXX % accurate?
Consumer complaint received 2022-05-17
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 item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXUS DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer disputes this account information Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions. ''
Consumer complaint received 2022-05-17
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 item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXUS DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer disputes this account information Medical Subject has not satisfied debt.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions. ''
Consumer complaint received 2015-04-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

The above is what was issued for the report-case number. 

XXXX had reported an account through various agencies for over 7 years. My XXXX count was closed in 2007. I have disputed this and had it removed before due to age and they have sold this debt and reported it for close to 9 years for over 400 dollars. Now under pinnacle for {$460.00}.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2022-05-17
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. (IL)

I disputed an account on my credit report that was not validated or accurate and this company didn't properly investigate the account or send proper validation. The company have failed to notate the account was in dispute. This is causing defamation of my character. This is causing stress in my life I can't get a job or apply for any loans due to this crisis you have hurt the ability for me to obtain credit. I'm sending this complaint on my own behave so treat it as such.
Consumer complaint received 2022-05-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (IN)

Caliber Home Loans transgressed federal law in servicing our mortgage escrow account, namely FDIC 6500 - Consumer Financial Protection Bureau PART 1024REAL ESTATE SETTLEMENT PROCEDURES ACT ( REGULATION X ) XXXX ( c ) ( 1 ) ( i, ii ) Caliber Home Loans exceeded Federal limits for cushioning our mortgage escrow account from XXXX, XXXX to XXXX. XXXX. They exceeded the legal limit by nearly 100 %. They were allowed to charge us only one sixth ( 16.67 % ) of the estimated total annual payments made from the account ( ex. taxes, insurances ) for the cushion. Instead, they charged us over one third ( 34.06 % ) of the estimated total annual escrow payments declared in the attached mortgage closing documents ( i.e. {$520.00} per month versus {$400.00} per month ). 

Additionally, Caliber Home Loans sent us a check on XX/XX/XXXX and declared our new payment on the fixed rate & term loan would be much lower ( {$1400.00} instead of {$1600.00} ). Since that time, our mortgage escrow has been underfunded every month ( - {$98.00} monthly ), despite our making full and timely payments. Instead of the estimated escrow payment of {$400.00} declared at closing, Caliber Home Loans are charging only {$300.00} since XXXX XXXX. As a result, our account is now negative by {$580.00}. 

We contacted Caliber Home Loans last week ( XX/XX/XXXX ), asking for an escrow analysis. The agent on the phone said the XX/XX/XXXX check was sent in error, due to software problems. However, the analysis Caliber Home Loans produced at our request was incomplete. 

Due to the above illegal mismanagement by Caliber Home Loans, we A. were hindered from refinancing our mortgage from XX/XX/XXXX - XX/XX/XXXX due to Caliber Home Loans asserting irregular adjustments to our mortgage payments ( making it appear that no other loan anywhere would be a financial benefit ). 

B. were forced to continue in the FHA mortgage with undesired mortgage insurance C. have become distrusting & wary of Caliber Home Loans, yet stuck with their illegal and unethical services, because the market now makes it impossible for us to refinance to our betterment.
Consumer complaint received 2024-02-15
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 am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2022-10-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: J J Marshall & Associates, Inc (MI)

Dear J. J Marshall & Associates, I am responding to your contact about collecting a debt. You contacted me by mail on XXXX XX/XX/2022 and identified the debt as {$2000.00} owed to XXXX Properties. I do not have any responsibility for the debt that you are trying to collect. 
According to 15 USC 1692a. ( 5 ) the term debt mean any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. 
Further according to 15 USC g. ( c ) the failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability of the consumer. 
Therefore, I would like to inform you that this debt is not valid, and my failure to dispute the validity of debt will not amount to an admission of liability. I further request you to further remove this debt from my report and compensate me for my mental and financial distress. 
Thank you for your cooperation. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-05-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (CA)

I was approved for 100 % Veteran Disability in XX/XX/XXXX and a result I was also approve for a Total and Permanent Student Loan Forgiveness in XX/XX/XXXX. Navient was suppose to identify my portion of a spousal consolidation that was to be discharged along with applicable interest. I was told in XXXX of XXXX that they discharged approximate {$30000.00} of the loan balance, but =when I asked for a breakdown of that number I was never given that to validate they discharged the correct amount of my loans as well as the correct interest. I believe the only discharged the accrued interest over 10 years and not the interest an my original principle. In addition they are reporting that I still have an outstanding loan balance on my credit reports with all three bureaus which is not correct since they are no solely the responsibility of my ex-spouse and should be removed from my social security number for reporting purposes.
Consumer complaint received 2022-05-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (NY)

LVNV FUNDING LLC ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) has failed to send me a response with my requested information for alleged collection account XXXX within the first five initial days of receiving my dispute. I have already been suffering enough with this inaccurate data on my credit report, I prepare ways to circumvent talking about my financial status or shortcomings with everyone from family members to co-workers causing changes in the relationships that have shaped my life until this day. The stress that comes with this alleged debt ruining my creditworthiness can not be managed. As a XXXX XXXX the financial expectations I am required to meet are unimaginable and it is a no-brainer that if I had the financial boost that good credit offers I would be in better shape to face daily challenges that come with my current predicament. 

Due to lenders turning down my applications I was forced to move out of my original state and ended up at my current address with no family or close friends to vent to leaving me visiting more social programs to help me deal with my XXXX XXXX XXXX. Now that I contact this company about this alleged debt there is no response?? 


furthermore LVNV FUNDING LLC ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is also reporting this alleged debt as an " Account '' which is inaccurate according to USC Title 15 1693A2 Therefore at this point this collection agency is knowingly furnishing false data on my credit report in violation of15 U.S. Code? 1692e. False or misleading representations and I demand them to Cease and desistfurnishing this alleged debt and notify all credit reporting agencies to delete it immediately.
Consumer complaint received 2015-12-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (GA)

I have contacted Experian and told them to remove an erroneous address that I have never lived at and it has not been removed. They stated that a collector reported it. However, I do not know of a that collector. I do know that this address is not mine. All the other XXXX credit bureaus changed it and deleted that address to match the address where I have been living at for 25 years or more. But, they chose not to and I feel like it is in violation of my constitutional rights and the FCRA. 

They need to remove XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA, XXXX and/or XXXX XXXX XXXX, XXXX, GA, XXXX I XXXX the # XXXX address and it does not even exist.
Consumer complaint received 2022-05-17
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. (OH)

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 XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX/XXXX Account # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX/XXXX Account # XXXX, XXXX Account # XXXX, XXXX/XXXX XXXX # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Ref # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Account # XXXX, XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX and Account # XXXX, XXXX XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX  ) Account # XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account # XXXX, XXXX Account # XXXX, XXXX Account 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 an account without my written instructions 15 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 2022-05-17
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. (OH)

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 XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX Account # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX/XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX/XXXX  Account # XXXX, XXXX  XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Ref # XXXX, XXXX XXXX  XXXX  Account # XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Account # XXXX, XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX  ) Account # XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX and Account # XXXX, XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) Account # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX, XXXX  Account # XXXX, XXXX  Account 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 an account without my written instructions 15 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 2022-05-17
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: CURO Intermediate Holdings (AL)

I checked my credit report in XXXX preparation to buying a home and discovered accounts that I did not authorize. I have reported the attached accounts to all three credit reporting agencies and they have not corrected this information. I filed multiple complaints and Identity theft packets as directed by the police department to have these fraudulent accounts removed immediately. No action has been taken to remove these fraudulent accounts.
Consumer complaint received 2022-05-17
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)

Experian is reporting a late payment from XXXX has a late payment in XXXX and they dropped my numbers XXXX points I did speak with XXXX  XXXX that did not report me a late payment I have no late payments I've tried several times to contact Experian I was given the number by XXXX  XXXX XXXX  that I could call them it is a false report