davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-20
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. (CA)

A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. False misleading information furnishing deceptive forms must remove late payments in the payment history. The accounts are listed below : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-20
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Capio Partners, LLC (VA)

I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
Consumer complaint received 2023-01-21
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. (MI)

In accordance with the fair credit report act. The list of accounts has violated my federally protected consumer right to privacy and confidentially under 15 USC1681.

1 ) XXXX  XXXX # XXXX 2 ) XXXX # XXXX 3 ) XXXX XXXX # XXXX 4 ) XXXX Of MO  # XXXX 5 ) XXXX XXXX # XXXX 6 ) XXXX # XXXX 7 ) XXXX XXXX  # XXXX 8 ) XXXX XXXX XXXX  # XXXX 9 ) XXXX XXXX # XXXX 10 ) XXXX XXXX # XXXX 11 ) XXXX XXXXXXXX # XXXX 12 ) XXXX # XXXX 13 ) XXXX XXXX XXXX  # XXXX 14 ) XXXX XXXX XXXX # XXXX 15 ) XXXX XXXXXXXX XXXX # XXXX 16 ) XXXX XXXX XXXX # XXXX 15 U.S.C 1681 Section 602 A States I have the rights 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 following items of information 's, any other adverse item of information, other than records of conviction of crime 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 reporting agency if the person knows or has reasonable causes to believe that the information is accurate.
Consumer complaint received 2023-01-21
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. (FL)

In accordance with the Fair Credit Reporting Act, 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 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late fo any reason.
Consumer complaint received 2023-01-20
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)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

Mr.CFPB I have been in conflict with Wells Fargo for the past 3 years. Due to bouts of unemployment and a divorce. I am now in arrears and default with my mortgage.To make matters worse. my mortgage payment was {$2800.00} monthly now somehow they have blown it up to {$3700.00} monthly with no clear explanation. There also have been several ( 6 ) attempts at a Trust Deed sale of my property. I have exhausted all my personal and 401k savings to keep them at bay. They have been very very unhelpful in modifying the terms of the loan ( particularly with the low rates now ) and to add insult to injury they are reporting late payments to the credit reporting agencies ( During the COVID-19 deferral period ) which is killing my XXXX score. Please! This is my home for the past 20 years. It would be tragic if I was unnecessarily stripped of this familial asset. It is the only thing that I would be able to pass on to my daughters and their children ... Thank you in advance for your attention to this urgent matter.
Consumer complaint received 2023-01-21
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: LEXISNEXIS (IL)

Reporting a Bankruptcy on my credit report that is not mine and they keep verifying it when its 2 different social security numbers and reporting my XXXX account closed when it is not
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (DE)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following letter is a formal complaint that you are reporting INACCURATE accounts to my credit report. You have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish because the following accounts do not belong to me and I did not give authorization for them to be opened or furnished on my credit report. 15 USC 1681e ( b ) states, Whenever aconsumer reporting agencyprepares a consumer reportit shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I am asking for a re-investigation of the following personal information, unauthorized inquiries, and inaccurate accounts : The following personal information is incorrect Current Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect Previous Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following personal information is incorrect Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect XXXX : XXXX XXXX XXXX The following personal information is incorrect Employers : XXXX XXXX PLEASE DELETE THE INACCURATE PERSONAL INFORMATION ABOVE FROM MY CREDIT REPORT. I only give permissible purpose for the following accurate and correct personal information to be furnished : Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please delete any other personal identifiers as they are inaccurate. The Fair Credit Reporting Act states my credit report must be XXXX XXXX accurate when furnished. I have included documents that verify my identity with this letter. 

Thank you for your due-diligence in having this corrected as soon as possible. 

With XXXX XXXX, XXXX XXXX
Consumer complaint received 2020-05-11
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: Santander Consumer USA Holdings Inc. (TN)

I look at my credit weekly due to fraud with someone having same name and DOB as me in same city, now I am seeing a lot of inquires on my credit on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from several companies I have had no contact with nor have any idea who they are and what they be using my ssn number for as I am not needing anything regarding my ssn number. The companies that have illegally used my ssn information is XXXX XXXX XX/XX/2020, XXXX XX/XX/2020 and Chrysler Cap XX/XX/2020. I would like these illegal inquires removed immediately as well as documentation showing my id and signature allowing use of my ssn. Furthermore I was working on each one of these days 12 hours and we are not allowed phones on my job which is a little more alarming as to how my credit was ran without my consent or me in person.
Consumer complaint received 2023-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (MD)

Fed student loan also known as U.S department of education is the holders of the account. In their system all my balance are paid and should be reporting {$0.00} balance paid in full but all the other credit bureaus are still reporting old balances whats incorrect.
Consumer complaint received 2023-01-21
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (TX)

I was trying to use my Express credit card on XX/XX/17 and it was declined. I was confused as to how that can be when it shows that I have available balance and wasn't past due on my payment. I contacted XXXX and the representatives referred me over to Comenity Bank, its financial servicer. The Comenity reps and supervisor advised me that there was an internal software glitch over the summer which still left accounts like mine to still have issues. Comenity told me that they will have to submit this issue over to its IT department and have them to correct my account. A couple of days passed by and I noticed on my current credit report that the XXXX account 's status was shown CLOSED. I immediately contacted XXXX and their chat representative indicated that it was indeed closed. I explained to the representative that I never requested for it to be closed and he referred me once again to Comenity Bank and I spoke with one of the supervisor 's named XXXX. 
He did see that I reached out to Comenity Bank on XX/XX/17 and he submitted a 2nd request form to the IT department. He said also will submit a form to have the credit tradeline to reflect that it should be opened. However, it didn't sit right with me that when I originally reached out to Comenity ( XXXX ) nothing has been resolved yet. So who's to say that they will resolve this the 2nd time?
Consumer complaint received 2023-01-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (CO)

I sent Credence a letter disputing an account that they placed on my credit without sending me any collection notice prior to putting it on my credit report. 

On my credit report it shows XXXX  being the original creditor,. I am a current customer of XXXX  and my account is active and in good standing, so I called them in XXXX 2022- and they stated my account was in good standing. They said they did not have any account of mine sent to collections. 

I have reported Identity theft ( fraud ) to Credence  regarding this and I also sent in the fraud paperwork. They have yet to remove this account. 

This account needs to be removed immediately, Ive placed fraud alerts on all three credit bureaus as well. 

Ive included my letter to credence  and their response, as well as a copy of my credit report.
Consumer complaint received 2023-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MI)

I sent disputes on XXXX, XXXX, and XXXX to delete the inaccurate addresses and names that are listed on my credit report. Based on The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, all information reported should be accurate and up to date. I've sent over my ID along with the requested information with the address where I live and the company refuses to delete the inaccurate information.
Consumer complaint received 2023-01-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/XXXX we purchased a XXXX XXXX XXXX  with a loan through Wells Fargo in the amount of {$45000.00}. On XX/XX/XXXX I made the first payment in the amount of {$760.00} which is the amount we have paid up throughout our loan. We have never been late until XX/XX/XXXX at which time I contacted Wells Fargo auto loan customer service to discuss our financial issues and make our payment. They deferred our payment XXXX  XXXX XXXX  and moved our due date to the XXXX of each month. They collected my payment of {$800.00} which included a late fee in the amount of {$38.00}. On XX/XX/XXXX we logged onto our online account to make our payment and noticed the breakdown of our last payment on XX/XX/XXXX with a principle/interest amount of {$720.00} and a late charge of {$38.00} which equaled out to our regular monthly payment of {$760.00} and then they had a secondary late fee in the amount of {$38.00} which brought us to the payment of {$800.00} that we paid on XX/XX/XXXX. We contacted the Wells Fargo auto loan customer service to ask for a breakdown of our bill and discuss our concerns with them on the matter that they seemed to be charging us a late fee every month which came to be a total amount of {$760.00} not including the amount of interest this has accrued and they assured us this was not the case and that it was a problem on their part and that they would contact us when they looked into it and resolved the problem. On XX/XX/XXXX we logged into our account to make our payment after not hearing back from the bank or receiving the breakdown that we had asked for and saw that our current payment due was {$720.00} with a late charge in the the amount of {$38.00} which brought us to {$760.00}. We also noticed that they had credited our account {$760.00} on XX/XX/XXXX and an interest adjustment in the amount of {$370.00} on XX/XX/XXXX. We contacted customer service once again for an explanation at which they could not provide XXXX and they would put in an XXXX complaint on the matter. On XX/XX/XXXX we received a letter in the mail stating that we accrued a late fee in the month of XXXX but no other months and that the issue was resolved.
Consumer complaint received 2023-01-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (IL)

Two dispute letters have been sent to dispute collection account as of XX/XX/2022 and a follow up as of XX/XX/2022 in the amount of {$240.00} I have repeatedly requested validation of this debt with my signature or an original contract stating that I am obligated to pay them. I have no knowledge of this account and the company has yet sent proof.
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX XXXX Bank Of America has issued me a check to the terms of a Class action settlement case No. XXXX. It states that Im an entitle member to a check award due to my bank account being closed. The amount of {$0.00} is totally disrespectful to not me but the Law as well. This bank has violated my consumer rights and financially cause me hardship and used a deceptive tactic of making it seem that this was under the required law.
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Never sent a reason why they were closing all accounts, We asked our branch XXXX to help us to find out why. We only had 30 days to move our accounts and there were multiple accounts. This happen in XXXX XXXX. When we first received the letter we sent a email with a copy of the letter to the branch manger at that time to the XXXX XXXX Wells Fargo Branch, a very helpful lady. We spoke with her verbally. We had been with Wells Fargo for a number of years ( XXXX plus years ). We tried to find out why and never received a reason. We were told to move all our accounts personal and business. including our credit card. We had to scramble with finding a new bank. We are not sure and would like to find out why. But we also want to be part of the settlement that we just found out about. how do we go about find out about this
Consumer complaint received 2023-01-21
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (IN)

I was with them for many years with a V.A. mortgage and after several months after closing I found out they were charging PMI insurance on my VA loan which is not required or allowed. 
The VA Guarantees the loan and PMI is not required. 
Tried for several years to get them to stop it and refund the charges with absolutely no help trying to work with.them. 
Tried several times to get the V.A. to help with no response and they told me to take it back to Wells Fargo and again a brick wall -. Just wasted months of frustration for nothing!. 
Grew tired of Stonewalling from both organizations
Consumer complaint received 2023-01-21
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. (AL)

According 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. 

XXXXXXXX XXXX : # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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 2023-01-21
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. (AL)

According 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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 2023-01-21
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. (DE)

To whom this may concern, I am writing this letter on my own no one has helped me with this letter, I am a natural person and had a chance to do some investigating. After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks listed below : XXXX. XXXX XXXXXXXX Original creditor : XXXX XXXX XXXX. As you know it is against the law to report any information not proven accurate I demand that you provide me with concrete evidence of my obligation to said accounts. Please be aware that all negative remarks found on my credit report are a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. I am not in dispute of the ownership of the account but if you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 

Best Regards, XXXX : XXXX [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights
Consumer complaint received 2023-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Bread Financial Holdings, Inc. (TN)

XXXX XXXX  has submitted a late payment concerning my XXXX XXXX XXXX XXXX card to the credit bureaus without my consent. This posting was made for the month of XX/XX/XXXX. I spoke with the creditor in XXXX and XXXX of XXXX, and they stated that no changes would be made to the account or the report. 

Comenity Bank has reported a late payment concerning my Victoria Secret credit card to the credit bureaus without my consent for the months of XXXX and XX/XX/XXXX. I spoke with a Comenity Bank representative on XX/XX/XXXX and she stated she was unable to make any adjustments to the account or the report. No explanation as to why was given. 

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any purpose.