davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NE)

My home was foreclosed in XX/XX/XXXX, due to loan modification not being approved. My complaint is this : I should be a part the settlement that occured on XX/XX/XXXX, due to improper modification standards, but I have not been notified by Wells Fargo. In fact, when I contacted Wells Fargo recently, they have no record of my mortgage from XXXX to XXXX. I had a financial hardship and entered into the loan modification program during XXXX, and entered the loan modification program XXXX separate times, unfortunately, nobody ever spoke to me, I only received denial reasons, unexplained. This clearly appeared to be a staffing or volume issue that Wells Fargo do not have a handle on, and I should be included in the wrongful foreclosure, as nobody investigated my loan modifications, and of course, now there is no record. I can provide statements if needed.
Consumer complaint received 2022-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CLGF Holdco 1, LLC (VA)

I have applied for the SCRA Civil Service relief Member Act ) benefits under the key provisional state law of OHIO as that is my home of record and I am a military spouse. I provided all of the documentation needed for the process ( military orders, LES, marriage license, proof of HOR, etc. ) I sent in my initial request via fax number based on the number given by a representative in XXXX and followed up weekly via phone call. I provided a letter in my request with specific account information and that to review the eligibility under OHIO code as it is different than the Federal code. Each follow up call lead to more frustration as no representative, including supervisor staff were educated on the SCRA benefits. I was told different information each time. I was then told I was denied because of XXXX XXXX service member date was before the account opened. Again, I requested my 2 accounts be reviewed again because Ohio law states even DURING the XXXX XXXX period. My spouse is STILL XXXX XXXX. I was denied again and told that Ohio is not a Key provisional state which is not correct. The company needs to train their staff better on this topic and I have not received the benefits on my 2 accounts that I am entitled to receive. Also, not to mention when we submitted this request, 2-3 days later, my husband received a credit alert stating that 2 new cards were applied to his credit report FROM THIS COMPANY! SO NOW HE IS ALSO A VICTIM OF IDENTIFY THEFT. Genesis FS Card services has horrible customer service and does not honor their military service members.
Consumer complaint received 2022-07-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Trident Asset Management, L.L.C. (CA)

I was checking my credit on XX/XX/XXXX, when I found out the company called Trident Asset management placed a collection on my credit which I dont owed, I immediately called them and request to verify the debt, they informed me they dont have any other documents to provide me and I have to pay the debt despite I explained them back in XXXX someone used my identification to committed fraud.. 

I really feel overwhelmed about this situation cause they refuse to remove it from my credit.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

My account with Experian was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Experian Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2022-12-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (FL)

I cant take all my money out of my pay pal account which came out to {$7100.00}. About 2-3 months ago I tried taking money out and I couldn't. Ive already put in the information they needed however whenever I reach out they tell me that they are investigating the issue. Ive provided them with how my business provides service to our customers yet still they are withholding my funds until now.
Consumer complaint received 2022-07-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated these account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have filed a complaint many times regarding the negative accounts on my credit report. I want these negative accounts removed and the responsible parties held accountable. I want them to be fined due to the impact of inaccurate reporting on my credit report. If nothing happens with this complaint, I will file a lawsuit against them, and they should be held responsible for their actions.
Consumer complaint received 2023-06-22
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. (FL)

To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX UPDATE MY NAME, THESE NAME VARIATIONS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX Requested Correction XXXX please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 

XXXX, XXXX XXXX XXXX XXXX  # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2022-10-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: NAVY FEDERAL CREDIT UNION (TX)

They say I owe a debt so I sent them a debt validation letter, notice of dispute, & letter of demand. I let them know they law states they cant attempt to collect during a dispute and they are still trying collect saying I have to pay by the XXXX.
Consumer complaint received 2022-10-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (NV)

RESURGENT CAPITAL SERVICES IS ATTEMPTING TO COLLECT ON A DEBT THATS NOT EVEN MINE, THEY IN TURN PURCHASED IT FROM ANOTHER DEBT COLLECTOR XXXX XXXX XXXX, THEIR REFERENCE NUMER IS XXXX FOR A BALANCE OF XXXX. THEY CLAIM THE ACCOUNT ORIGINATED FROM XXXX, WHICH IVE NEVER HAD AN ACCOUNT WITH. THEY ARE THREATENING LEGAL ACTION, OF WHICH THEY CANT COLLECT ANYTHING BECAUSE XXXX  ON SSXXXX WHICH MEANS MY INCOME IS FEDERALLY PROTECTED. I AM DEMANDING A VALIDATION LETTER WHICH I AM ENTITLED TO WITHIN 5 BUSINESS DAYS. I ALSO WANT THEM TO STOP CONTACTING ME ON THIS MATTER.
Consumer complaint received 2023-06-24
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)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX Balance Owed : {$56.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$210.00} ; XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$6.00} ; XXXX XXXX Balance Owed : {$15.00} ; XXXX XXXXXXXX Balance Owed : {$5600.00} ; XXXX XXXX XXXX Balance Owed : {$29000.00}.
Consumer complaint received 2024-12-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (AZ)

In XXXX I saw a add on XXXX someone was selling hoodies and I wanted to buy a couple and he said he takes XXXXXXXX XXXX XXXX XXXX XXXX then I sent him the money in XXXX transactions and he never responded back to me so I went to my bank and opened a claim for the XXXX transaction that where made and later on I got a email saying Wells Fargo will be closing my account due to suspicious activity and I called them and they told me I have made to many claims and the account will be closing soon because I am a pretty recent member ( 5 months ) and that there is nothing I can do about it I tried to talk to them and explain the disputes where all sent to the same person and they just kept telling me there is nothing we can do about it your account will be closing in a week on XXXXXXXX XXXX. I dont think this is fair because I have proof of the transaction where sent to the same person.
Consumer complaint received 2024-09-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This notice is to inform you that TRANSUNION unlawfully reported fraudulent INQUIRIES that arose from IDENTITY THEFT that TRANSUNION did not verify as required by law on my consumer report.
Consumer complaint received 2022-10-02
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)

In accordance with the Fair Credit Report act.

The List of accounts Below has violated my federally protected customer rights to privacy and confidentiality under 15 USC 1681. 

List the account name here with the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my Rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 

15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2. It also states a customer reporting agency can not furnish an account without written consent.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MA)

I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My account with Transunion was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Transunion Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2023-03-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

I am unable to access my venmo money from my venmo account. I can't transfer the money to my bank account nor am I able to use it to pay other people. The money is just sitting there. The venmo app keeps prompting me to go through an " identity verfication '' process which I have done twice now by submitting my driver license, W2 forms, and bank statements. On XX/XX/XXXX I submitted the documents on the app and on XX/XX/XXXX venmo emailed me saying they could not read some documents. I resubmitted the documents again on XX/XX/XXXX via the app and still not heard back from venmo nor am I able to access my money in venmo. On XX/XX/XXXX I called their customer service number at XXXX and am told that the department that handles identity verfication will " get back to me via email within 24 hours ''. I asked to be transferred to a representative that handles identity verification and am told that they don't have a phone number nor do they have a email contact. They just told me to wait. This is not right that I do not have access to my money nor is there a contact person I can contact regarding this. I have to just wait passively until someone from venmo contacts me via email. My Ticket # is XXXX. Please investigate this.
Consumer complaint received 2022-10-04
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. (VA)

Good morning, This is in reference to Report Number XXXX which was processed on XX/XX/2022. 

Experian opened a dispute on the wrong item on my credit report and removed 8 years of on-time payment history. The account # is XXXX and it is a {$500.00} line of credit. 
They were to dispute another account instead that had similar account numbers. This on-time payment history was to remain on my account until XXXX. I had a XXXX line of credit that I paid between the years of XXXX on time. All of that information and historical data was deleted when it shouldn't have been and I was told by an agent that they can't restore the original information. 

There should have never been a dispute placed on that account that was a huge error that has ruined my credit report.
Consumer complaint received 2024-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP (IL)

I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!
Consumer complaint received 2023-03-11
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA (TX)

My servicer MOHELA is incorrectly denying me access to the PAY AS YOU EARN repayment plan. On XX/XX/XXXX, MOHELA approved me for the Income Contingent Repayment plan, but today, XX/XX/XXXX, a supervisor and customer service representative have incorrectly informed me that was the only IDR plan I was eligible for. Thus, I am seeking help from the CFPB to allow me to properly access the PAYE plan for my single Direct Consolidated Unsubsidized student loan. 

I had no federal student loan balance prior to XX/XX/XXXX, and have also borrowed at least 1 Direct loan after XX/XX/XXXX, therefore classifying me as an " eligible new borrower '' for PAY AS YOU EARN under 685.209 ( a ) ( 1 ) ( iii ). First, in XX/XX/XXXX, I consolidated my Parent PLUS loans into a Direct Consolidated Unsubsidized loan. In XX/XX/XXXX, this loan was consolidated with 3 Direct Stafford Unsubsidized student loans into a new Direct Consolidated Unsubsidized student loan, which is the loan I currently have with MOHELA, and the same one for which they are denying my PAYE repayment plan request.

Per 685.209 ( a ) ( 1 ) ( ii ), an " Eligible loan, for purposes of determining whether a borrower has a partial financial hardship [ ... ] means any outstanding loan [ ... ] except for a defaulted loan, a Direct PLUS Loan or Federal PLUS Loan made to a parent borrower, or a Direct Consolidation Loan or Federal Consolidation Loan that repaid a Direct PLUS Loan or Federal PLUS Loan made to a parent borrower. 

My current Direct Consolidated Unsubsidized student loan with MOHELA is not a loan that repaid a federal PLUS loan made to a parent borrower as it repaid Stafford Unsubsidized and a Direct Consolidated Unsubsidized loan, and is therefore eligible for PAYE. 

Under the proposed Prosper Act, HR 4508, the XXXX House Majority proposed in Sec. 466. ( 5 ) B to make " excepted consolidation loans '' ineligible for repayment options such as the PAYE plan. They specifically defined an ineligible loan for options besides ICR as a loan that repaid a Parent PLUS, a consolidation that repaid a Parent PLUS, or a consolidation that repaid a consolidation of a Parent PLUS. The proposed Prosper Act failed and therefore, this condition does not exist under current law. If this restriction currently existed, Congress would have had no need to attempt to change 685.209 ( a ) ( 1 ) ( ii ) to add the additional restriction.