davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (WV)

In XXXX  I lost my job and requested numerous times that Wells Fargo Home Mortgage modify our payment due to my loss of income. They continued to report us behind and threatened foreclosure. Later after I regained employment, we submitted payments in full with proof from our bank that the payments were submitted and not returned. They claimed they never received them even though they accepted every prior electronic payment. Prior to this we had years of problems with them in applying payments and spending hours in the phone to get them applied correctly. We had to have consumer protection file against them and never got our $ returned and had to pay over XXXX  even though our bank verified transactions were completed. Since XXXX  when we refinanced we have had nothing but trouble with misapplied payments, lack of assisting with modification, and losing our in XXXX  which would have been more of the State of WV consumer protection would not have sent them proof of payments and yet we still had to pay an additional {$9000.00} as they magically found 3 payments after nearly a year. Since then, things have never applied correctly and we have kept all records and have yet to see these payments ever apply in full to principal, interest, or escrow. It continues to be a hassle and we should be much closer to paying off our home than their records reflect. Unemployment is stressful enough but their lack of assistance with our attempt to modify and their attempt to foreclose TWICE has been unbearable when we have always communicated with them and even had consumer protection try and assist us.
Consumer complaint received 2023-03-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (SC)

This debt has come back verified several times by Midland Funding LLC and it is incorrect. The alleged original balance amount was first {$350.00}. Disputed it again on XX/XX/2023 and it was changed to {$350.00}. The amount being reported is incorrect.
Consumer complaint received 2022-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.
Consumer complaint received 2023-04-03
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. (NC)

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. 

CHILD SUPPORT XXXX XXXX : XXXX, XXXX XXXX XXXX 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 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 2022-06-15
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. (PA)

This account do not belong to me i never had a contract with this company please remove this account .Also my rights are being violated 15 U.S.C 1681 section 602 A. states I have a right to privacy. 15 U.S.C 1681 section 604 A. also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 C without the 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. company name : XXXX XXXX XXXX Address : XXXX XXXX XXXX suite XXXX XXXX, tx XXXX Date Opened : XX/XX/2001 Blance claim {$660.00}. I have no knowledge of this please remove immediately. Thank You sincerely, XXXX XXXX
Consumer complaint received 2024-09-04
Product: Credit reporting 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. (CA)

Applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them, resulting in my credit report being pulled up by these companies and hurting my credit score. I have contacted the bureau and a representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.
Consumer complaint received 2023-04-03
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. (AR)

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 items 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, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; ; XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$94.00} ; XXXX XXXX XXXX Balance Owed : {$3400.00} ; XXXX XXXX XXXX  Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$94.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$540.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX  Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$94.00} ; XXXX XXXX XXXX Balance Owed : {$3400.00} ; XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX  ; XXXX 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 2023-01-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION (FL)

RESPONDENTS FAILURE TO TIMELY RESPOND TO CONSUMERS REQUEST FOR INFORMATION PURSUANT TO 12 C.F.R. 1024.36 12 C.F.R. 1024.36 ( d ) ( 1 ) Response to Information Request provides that : ( 1 ) Investigation and response requirements. Except as provided in paragraphs ( e ) and ( f ) of this section, a servicer must respond to an information request by either : ( i ) Providing the borrower with the requested information and contact information, including a telephone number, for further assistance in writing; or ( ii ) Conducting a reasonable search for the requested information and providing the borrower with a written notification that states that the servicer has determined that the requested information is not available to the servicer, provides the basis for the servicer 's determination, and provides contact information, including a telephone number, for further assistance.

12 C.F.R. 1024.36 ( d ) ( 2 ) ( B ) Time Limits provides that : ( B ) For all other requests for information, not later than 30 days ( excluding legal public holidays, Saturdays, and Sundays ) after the servicer receives the information request. 

On or before XX/XX/2022, XXXXXXXX SN Servicing Corporation ( hereinafter, XXXX or SN ), received the Consumer XXXX XXXX ( Consumer or XXXX XXXX ) XX/XX/2022 request for information ( XXXX  ). The XXXX XXXX requested, among other items, call notes, loss mitigation documents and information, an accurate pay off balance, the mortgage loan owner/assignees contact information, and other information. In the XXXX, we specifically requested that RESPONDENT send all correspondence to our authorized third-party representative, XXXX XXXX XXXX XXXX  A copy of the XX/XX/2022 XXXX and a copy of the US Post Office XX/XX/2022 delivery confirmation of same, are attached hereto as Exhibits A and B, respectively. 

Unfortunately however, XXXX has failed to investigate and/or respond to the XX/XX/2022 XXXX, and has therefore failed to comply with section ( d ) ( 1 ) of 12 C.F.R. 1024.36. 

Specifically, XXXX failed to comply with Regulation X, 12 C.F.R. 1024.36 ( d ) by not providing the above items to me, the Consumer in a timely manner. By copy of this Complaint, we are once again requesting that XXXX immediately provide us with the items listed in the XX/XX/2022 XXXX  ( See Exhibit A ).
Consumer complaint received 2023-05-09
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: EQUIFAX, INC. (FL)

XXXX XXXX XXXX : I disputed the above account severa times and it came back verified and I want to know in the world is possible to verify something inaccurate and illegitimate especially when it violates my consumer right. XXXX, Equifax and XXXX are working in cahoots with XXXX XXXX XXXX to blatantly trample and violate my consumer right under the FCRA. 

According to : 15 USC 1681, I have the right to privacy and USC 1681-2 A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors, A person shall not furnish information relating to a consumer to any consumer reporting agency if -- -- - ( I ) The person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate, and ( II ) The information is, in fact inaccurate I am a natural person, I am a living human being, I have rights under 15 USC 1681 and these companies are governed by these laws and they violate my rights time and time again. I have a right to privacy and did not give these companies written permission to report the above misleading information which paralyze my way of living. 

I can go on and on showing blatant violations for the reporting agencies...
Consumer complaint received 2023-01-27
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. (PA)

TO WHOM THIS MAY CONCERN, my name is XXXX XXXX XXXX, and I am writing this statement on my behalf. I recently discovered that I am a victim of identity theft and have had several accounts opened under my personal information without my consent. My information was used to obtain financial services or goods without my consent. I am requesting that the following information be removed from my reports immediately. The accounts I request to be removed are listed in this file and my statement below. 
Accounts to be removed : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is XXXX XXXX, and I'm bringing this CFPB complaint to your attention in order to draw your attention to the credit reporting agencies ' negligence, stupidity, and indifference. The accounts I have been disputing on my credit report for more than a year now are the product of identity theft. According to FCRA section 605b, credit reporting agencies must erase any account and information no later than XXXX business days following the day they receive the complaint letter. I began writing letters of dispute to the credit bureaus on XX/XX/XXXX, and my last letter, dated XX/XX/XXXX, had all the attachments I needed to prove my identity, including the ID THEFT REPORT I received from the FTC. However, in spite of all of this, the credit bureaus ignored the request and violated the FCRA regulation. The Credit Bureaus have continued to report the disputed things without delivering me copies of the paperwork that bears my signature as proof that the disputed items actually do belong to me. The FCRA section 605b, a federal law, is clearly violated by this activity taken by the credit bureaus and is therefore illegal and punishable by law. I am filing this CFPB complaint to ask the credit reporting agencies to entirely remove the following bogus information from my credit report ; if they refuse, I will have no choice but to take legal action : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXX Balance {$0.00} XXXX XXXXX Balance {$850.00} XXXX XXXXX Balance {$0.00} XXXX XXXX XXXXXXXX XXXX Balance {$83.00}
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (PA)

Hello, I am trying to get to the bottom of this and I would appreciate a less combative response due to your last acknowledgment titled 'Final Response '. This is not an emotional response. So, please read attached files to clarify what I am requesting in regards to additional information due to the last report leaving me hanging with unanswered questions. The Retail Installment contract by definition is installment credit, meaning the seller ( Credit Acceptance LLC ) ordinarily exacts finance charges scheduling payments to be repaid in XXXX or more payments at regular intervals. Now, the finance charge to my understanding is the SUM of ALL charges in my consumer credit transaction. 

I am sorry to inform you that the information you are sending me is not fair and accurate and is in fact moving us away further from the truth. Allow me to get us back on track. In the contract it states I purchased the vehicle using CREDIT. Please understand I know exactly what I am stating- and it's the truth and I need to contact someone of higher statue who knows the truth about what is going on here. & I QUOTE " You have agreed to buy this vehicle from us on CREDIT for the total sale price ___ ... " So, to be clear I am very well aware that CASH IS NOT A PAYABLE TYPE- ACCEPTED IN ANY CREDIT TRANSACTION.. So again, why are you charging my debt card and not my credit card which is my social security card which funds ALL my credit transactions? Nowhere does it state that you have the authorization to mark any payment late under my credit card account period. Everything is already paid for with my social security card which is my unlimited open ended credit card defined by congress.
Consumer complaint received 2023-01-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: UMB FINANCIAL CORPORATION (IL)

UMB bought my XXXX from my old employer. I have received XXXX letters indicating I have no recent customer-initiated activity, the latest XXXX on XX/XX/XXXX. " to avoid your XXXX becoming inactive and subject to the Inactive Account charge ... '' I never opened this account. I never agreed to bank with them. They bought out an old XXXX and now are coming after me with fees. 

I have no idea how to login or do anything with them, I never received a debit card. I thought the account had {$0.00} in it and asked to close it, but then received a letter that said there were {$440.00} XXXX  in it. I then asked how to access or transfer those funds and got a super confusing answer about monthly fees. This was on XXXX. 

I just called today on XX/XX/XXXX, because I haven't had time the last few weeks to deal with a bank I never agreed to work with who obviously can not run themselves. I asked how to log in and they said where's your debit card and I said that's literally the problem, where is it? They said it's been closed and an amount of ~ {$420.00} is being mailed to me by check. Where did the rest of the funds go? 

Banks should not be allowed to buy other banks, adopt their accounts, and terrorize their new clients that never consented. Why am I working with a bank I never agreed to work with?!?!
Consumer complaint received 2022-08-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (TX)

I sent XXXX XXXX a letter requesting validation of the debt. All they sent me was a contract with electronic signatures. This is not sufficient proof. Anyone can submit an electronic signature. Also there wasn't a chain of custody or any other documents they should've receive from the original creditor. 

They are also attempting to collect interest on this account which I know for sure is illegal because the original contract they sent did not have any language saying interest could be collected. So it is illegal for XXXX XXXX to charge me interest.
Consumer complaint received 2022-08-19
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2023-01-27
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. (CA)

So I am seeing that XXXX, XXXX, AND TRANSUNION IS REPORTING LATE PAYMENTS ON MY CREDIT REPORT. AS A CONSUMER I KNOW I HAVE NOT GIVEN THEM ANY PERMISSION TO REPORT THESE SUCH ALLEGED LATE PAYMENTS. I AM STRESSED THE HECK OUT BY ALL THIS NONSENSE AND THIS HAS CAUSED HARDSHIP TO ME AND MAY FAMILY BC OF ALL THIS ALLEGED LATE PAYMENTS ... STOP THIS AT ONCE AND THIS NEEDS TO STOP THEY ARE IN VIOLATION OF THE FEDERAL LAW. I HAVE WRIITEN THEM NUMBEROUS TIMES AND STILL THE LATE PAYMENTS ARE ON MY ACCOUNT. I AM DEMANDING ALL LATE PAYMENTS OFF MY REPORT IMMEDIATELY. ACCORDING TO 15 U.S.Code 1666 ( b ) it states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes. Also 15 U.S.Code 1681 Sectiom 604 ( A ) Section 2 states a consumer reporting agency can not furnish account without my instructions. 15 U.S.Code 1681 Section 602 states I HAVE THE RIGHT TO PRIVACY.. THESE CREDIT AGENCIES ARE IN VIOLTAION OF THE FEDERAL LAW. AS THE COSUMER I DEMAND ALL THE ALLEGED LATE PAYMENTS REMOVED IMMEDIATELY. ... THIS IS A FEDERAL VIOLATION ... REMOVE ALL THE LATE PAYMENTS ON ALL MY CREDIT REPORTS.ALSO DO NOT EVER REPORT ANY ALLEGED LATE PAYMENTS IN THE FUTURE ON ANY OF MY CREDIT REPORTS...
Consumer complaint received 2023-04-26
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America says they issued me my XXXX card which I never recieved I didnt even know the card existed due to XXXX locking me out of my account and just recently I finally got in contact with XXXX and they told me I had been paid out to call Bank of America so I did and there is no funds in the account I guess somone got ahold of my card and drained they acount it has been like 45 days already and still no funds they denied my claim at first but Ive sent all documents they requested in a timely manner Claim Number : XXXX I have another 2 claims open and 4were resolved in my favor but its been 45 days for thee others