davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-23
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

American Servicing Company, also known as Wells Fargo Back unlawfully preyed on me with my mortgage loan. ( predatory lending ) My credit score was over XXXX and they told me I was receiving the best rate possible. After the loan was completed I was told by several mortgage bankers that my interest rate was not commensurate with my credit score. It was much to high. I have since learned that ASC/Wells Fargo has been charged and plead guilty to predatory lending on minorities. I am filing a complaint with the CFPB. I also received a loan modification from them stating they could not lower my interest rate. Once again lying to me. I understand loan modification rates can start as low as 2 %. I am requesting the CFPB assist me in my petition to have ASC/Wells Fargo lower my rate because of the predatory lending they pulled on me. 
Respectfully, XXXX XXXX
Consumer complaint received 2024-11-01
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. (DE)

I am writing to formally request the blocking and deletion of accounts and inquiries listed below, as I am a victim of a data breach. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent information resulting from identity theft removed from my credit report.

Please find the details of the accounts I am disputing : Fraudulent Accounts : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-01-17
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: Experian Information Solutions Inc. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-01-17
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: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-01-17
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: Experian Information Solutions Inc. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXXDate of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXXDate of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXXDate of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXDate of inquiry : XX/XX/XXXX XXXX XXXX XXXXDate of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2021-07-15
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. (TX)

not mine or FCRA violations : or see why they put 23 wrong personal information on my reports : XXXX  : see attachments all from XXXX  show tooltip button XXXX XXXXUnder Dispute XXXX XXXXUnder Dispute XXXX XXXX XXXXDispute XXXX XXXX, XXXXDispute XXXX XXXXUnder Dispute XXXX XXXX  XXXX XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute
Consumer complaint received 2023-01-17
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Consumer complaint received 2023-01-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (CA)

I had an auto loan with Ally Financial ( Ally ). Ally unlawfully repossessed my vehicle. I never had any late or missed payments. Ally never sent me the legally required notices pursuant to UCC and other relevant state laws. Of the notices i did receive, these notices were late, pursuant to state law. The post-judgement notice I did receive was also defective. I filed complaints against Ally on innumerable occasions, however, Ally attempted to escape accountability. Contemporaneously, a multi-district class action lawsuit was filed against Ally for the same complaints I experienced. Ally knew they were guilty and settled the lawsuit and deleted the unlawful repossession from my credit reports, however, Ally has failed to send my settlement check. I am a member of the class action and did not opt-out. I am legally entitled to my check for damages, yet Ally has breached their settlement agreement by not sending my payment which is meritoriously owed to me. Ally Financial , Inc. class action Ally Financial Inc. v. XXXX Case No. : XXXX
Consumer complaint received 2023-01-17
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. (NV)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2017-01-11
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (UT)

XX/XX/XXXX, I purchased a condo at XXXX XXXX XXXX XXXX, XXXX. After six months of living in the building, the developer had sold the remaining units and relinquished control of the building to the HOA. I did n't know this at the time, but the original lender, XXXX based in XXXX XXXX, Florida had falsified loan documents for many of the residents that purchased condos. Many of the new condo owners did n't even have jobs. So when it came time to pay the monthly HOA fees, only about XXXX % of the building 's residents were paying. By XX/XX/XXXX, the HOA had no money to maintain the building, and things started to get ugly. Elevators broke, vandalism ensued, trash was n't being collected and electricity was being turned off. It was at this point that I fled my condo and moved into an apartment. Two months later XX/XX/XXXX, the City of XXXX - for the first time in the history of the city - came in and condemned the building while occupants were still living in it. All units and building entrances were boarded up and the building has been in that state since then. I note that to this day, the City of XXXX has not given me anything in writing regarding the condemnation. When I went to the Dept of Unsafe Buildings XX/XX/XXXX at XXXX City Hall, I was told that they did n't condemn the building! Not sure who did, but this is what I 've had to work with. 
My original loan with XXXX XXXX Mortgage, who was also charged with fraud in a number of other projects they did ( XXXX ) was sold to XXXX, which eventually became XXXX XXXX XXXX . XXXX XXXX XXXX held the note on my condo for six years and although I repeatedly tried to enter into a deed-in-lieu of foreclosure process, the bank was unwilling to assist. XX/XX/XXXX, XXXX XXXX XXXX sold my note to Carrington Mortgage Services, which then tried to foreclose on me XX/XX/XXXX. For some reason, the foreclosure was thrown out by the judge in court, so the process went to a standstill yet again. 
It is now XX/XX/XXXX. I have been trying to foreclose or do a deed-in-lieu of foreclosure for NINE years. This process has caused immeasurable amounts of XXXX, has all but destroyed my credit, and has made it impossible for me to buy a home. While I have tried repeatedly to work with Carrington Mortgage Services regarding a deed-in-lieu, they continue to be unhelpful and uninformed. They call me every other week to ask when I am going to pay my debt. They mail me bills every other week as well. I can not pay off a mortgage that is tied to condemned asset as it can not be lived in, rented or sold. I am desperate for help and no longer know where to turn. Please assist if you are able.
Consumer complaint received 2024-10-04
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Education Principle Foundation (VA)

I enrolled with Argosy University XXXX XXXX XXXX XXXX XXXX XXXXXXXX They falsely informed me about the tuition and I ended up taking out high amount of student loan. They pretty much robbed me! Now I am XXXX XXXX XXXX XXXX XXXX XXXX in debt because they told me the tuition was high.
Consumer complaint received 2016-12-16
Product: Credit card — 
Issue: Credit determination — 
Company: JPMORGAN CHASE & CO. (SC)

Hi, I just recently tried to get a credit card from amazon. The credit card is through Chase and I first before I apply checked the internet about what you credit score had to be many site 's said it had to be in the fair range. I have to credit cards now and the cards are somewhat max out, but I 'm saving for a house and I ca n't use that money to pay them. I make around {$33000.00} per year.I called to see if I was approved and they got more info from me but they did n't approve me, but I think because they judged that I was XXXX from the tone in my voice and I was discriminated against.
Consumer complaint received 2024-10-03
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

I am the POA of my dads finances. I wanted to take some money out of his account and put it in a new Capital One account. My dad is currently in a XXXX home. My dads elder care attorney wanted me to write a check for {$8900.00} to put in a new account. I had to write XXXX checks to divide up since Capital One limits to {$5000.00}. They cashed both checks through Capital One mobile app and then placed my account on hold. This was on XXXXXXXX They sent an email on XX/XX/year> that they concluded the final review and that I would get money returned through externally linked account or they would send a check. I called today XX/XX/year> and the person said the account was still on hold and being investigated and did not know when my money would be returned. 
This is frustrating because I did not do anything wrong. I was just following what my dads elder attorney told me to do. I have an excellent credit score. I really need the money back to pay for his monthly XXXX home bill. I tried to talk to a Supervisor, but XXXX, who I talked to said there was not XXXX there. 
Can you please help me? Thanks
Consumer complaint received 2023-01-17
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: Experian Information Solutions Inc. (GA)

This is ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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 Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$130.00} ; XXXX  XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
Consumer complaint received 2023-01-17
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: Experian Information Solutions Inc. (KS)

I submitted this complaint to update this suspicious information. Credit Bureau must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
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 2023-01-17
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: EQUIFAX, INC. (TX)

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-03
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MNS & Associates LLC (AL)

I spoke with Companie XXXX  XX/XX/year> @ XXXX. Advised agent to cease all phone calls, especially to my employer and provide proof of debt. Provided my email address for communication. Agent advised they will keep calling.
Consumer complaint received 2024-10-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

After opening 10 other claims against Coinbase, while they still locked my money in the vault, I finally found a way to force it out of the vault, despite Coinbase stating it was open to withdraw. 

I initiated it on XX/XX/24, approved the vault withdraw via email, and according to Coinbase it takes up to 48 hours. But it is STILL PENDING. 

FIX THIS SO I CAN GET MY MONEY OUT OF THIS COMPANY. YOU HAVE BEEN HOLDING MY MONEY HOSTAGE FOR NEAR A YEAR.
Consumer complaint received 2024-10-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P. (GA)

Paramount Recovery Systems engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to 1,000 dollars per violation and clearly they violated my rights.
Consumer complaint received 2023-01-17
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: Experian Information Solutions Inc. (NC)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-17
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: EQUIFAX, INC. (TX)

This is my 3rd 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 accounts 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 accounts : XXXX  XXXX  ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$2400.00}, XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX : {$640.00}
Consumer complaint received 2016-12-05
Product: Credit card — 
Issue: Delinquent account — 
Company: U.S. BANCORP (MI)

During process of securing a XXXX. construction loan I find out U.S. Bank reported my account 30 days late in XX/XX/XXXX to all the credit bureaus. My due date is the XXXX of each month and my usual minimum payments are around {$120.00}. 
On XX/XX/XXXX I made a payment of {$150.00} On XXXX XXXX another payment of {$160.00} On XX/XX/XXXX made a payment of {$200.00} on XX/XX/XXXX made a payment of {$260.00} and XX/XX/XXXX Payment of {$2500.00} was made. 
All these payments were successful and easily covered my minimum. 
-- -- There were a couple larger payments one on XX/XX/XXXX for {$4400.00} that was returned. This payment was in error as the number " XXXX '' somehow duplicated. I even contacted US.Bank to inform them the payment was meant to be {$480.00}. 
Additionally, on XX/XX/XXXX a payments for {$2500.00} was made twice on the same day due to internet glitches that seemed to have been nation wide. One of the {$2500.00} payments was returned as expected. But again that payment was an extra payment. However, U.S. Bank reported me 30 days late in XX/XX/XXXX to all three credit bureaus. I contacted U.S. Bank on XX/XX/XXXX at XXXX and talked to a representative and a supervisor ( XXXX ), I clearly explained the situation to both However, both the representative and Supervisor ( XXXX ) refused to change or correct the 30 day late reported. 
My history : I have been in business since XX/XX/XXXX have my credit history goes back 25 years and have easily over XXXX different accounts. I have NEVER EVER been 30-days late on a payment with any of my past accounts. I have had XXXX or XXXX reported incorrectly and resolved those. I have a successful XXXX in the range of {$400000.00} and XXXX dollars, and an impeccable reputation. US. Bank 's reckless reporting will cost me hundreds of thousands in higher interest charges. I made every reasonable effort to resolve this but US Bank refused on several attempts.