davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY (TX)

XX/XX/XXXX online service agreement contract signed car deliver to my driveway. 
Contract is blank on address, so I believe the sales agreement is invalid. 
My interest rate was XXXX However the company has collected more than I owe, during COVID they called saying I could refinance over the phone and it ended up being a scenario. So with my regular payments {$250.00} and my gap insurance of {$330.00} not one has been late in fact I have been over paying {$790.00} or paying double some months. But I just also realized that my vehicle is being vandalized even after I took it to a certified collision repair center on XX/XX/XXXX It cost me {$1000.00}. 
Then XX/XX/XXXX XXXX XXXX  paid {$500.00} Invoice XXXX Transaction # XXXX {$280.00} Transaction # XXXX {$320.00} Transaction # XXXX {$710.00} Transaction # XXXX {$390.00} Transaction # XXXX {$400.00} Meanwhile I was on recurring payments at {$250.00} from my checking account and my mother was also going by the bank due to letters the Wells Fargo kept sending and depositing multiple XXXX into my account ending in XXXX. I kept my portion of paper receipts thats how I have these transaction numbers. However the rest is digital and the bank has been playing and the sales contract is possibly what makes them think its acceptable. I would like to formally introduce myself, XXXX XXXX. The person responsible for the car having a clean title and no leans would be XXXX XXXX XXXX XXXX, with with Wells Fargo Dealer services on the paper work. They have been negatively impacting my credit and I believe phishing and selling my personal information. I would like this nightmare concluded. If there is a person who can please help me I would appreciate it very much. It was the COVID callers calling 24/7 about my auto loan asking me for my social number and sending me to it to set up a new online account and the branch not having any information regarding payments or interest vs principle. I wrote XXXX with the enclosed papers about a possible Lemmon on my hands. However I didnt hear back from them, my car continues to have one key and get vandalized every time its in a secure parking garage or doctors office. I believe someone might have the spare key or its a engine immobilizer issue. Its been messed up as well as other very dishonest services and thefts.
Consumer complaint received 2022-08-19
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. (PA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX Balance : {$0.00}
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 — Personal information incorrect
Company: EQUIFAX, INC. (TN)

Please see the attach FTC report. This have cause me a hardship and your data breach had made my life XXXX. Please remove the unauthorized name, address, and inquires from my credit report immediately According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other :
Consumer complaint received 2022-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

I recently looked at my credit record and found numerous billing mistakes. Billing errors under U.S. Code 1666 ( b ) are 15. Failure on the part of the creditor to accurately reflect a statement, a payment made by the debtor, or a credit given to the debtor. an accounting inaccuracy of the creditor on a statement that involves computation or a similar error. As far as I'm aware, the creditor didn't send me a statement 21 days in advance, thus there shouldn't be any late payments on this account. These are unquestionably billing issues, thus I demand to see concrete evidence from the creditor 's bank account that I failed to pay and was flagged as being past due. The disputed account is listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Im writing to have several negative accounts removed off my credit report I have a lawyer and all matter are currently in litigation ( XXXX XXXX XXXX XXXX located in XXXX XXXX XXXX XXXX XXXX Georgia XXXX ) so i want all negative items removed immediately ... Plus Im fully aware of all my rights Under the Fair Credit Reporting Act. The Law 15 USC 1692 Under federal law you have to provide a method of verification and there was no proof of verification used to Verify these accounts so legally u have to remove all items and i want all negative items removed heres a list of all items XXXX XXXX XXXX XXXX Remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX and 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 XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have A attorney all accounts are in litigation there incorrect i i WANT THEM ALL REMOVED
Consumer complaint received 2022-09-13
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. (NY)

To : Consumer Financial Protection Bureau, Equifax is continuously noncompliance of the XXXX XXXX, and keep violating my rights as consumer of this XXXX XXXX. As the XXXX XXXX XXXX please I request you to stop them with their misinterpretation of my consumer report. Thank you
Consumer complaint received 2022-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-08-19
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ).

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX Date Opened : XX/XX/2014 Balance : {$0.00}
Consumer complaint received 2022-09-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (CT)

I've been in contact recently with Aidvantage who is my new servicer. However, because of the payment pause, I've never made any payments with them so they don't seem to have any information that helps me. I HAD XXXX and previously XXXX XXXX. 

I went to school and earned my XXXX XXXX XXXX back in XXXX. I struggled over the years and was put into a forbearance multiple times as THEY suggested, which I know now was not the right decision. That's my first problem. Then I went back to school and earned my XXXX XXXX XXXX in XXXX and completed in XXXX. 

With the new information from XXXX XXXX and all of the changes within loan forgiveness and such, I began to wonder if my loans from XXXX were almost to a point of being forgiven since I've had them almost 20 years now. When I started looking into it, I found those loans had been consolidated multiple times without my knowledge and without my permission. Now it appears those loans are dated XXXX when they were actually disbursed back in XXXX. I requested some proof or an application where I asked for this but no one has record of it. I was told to file a claim at studenaid.gov which I did although I realized there's no option to complain about a servicer. I had to submit it like I was complaining about my school ( it wasn't their fault at all ). I then find out, while I'm researching, that I'm not longer in an XXXX. Not sure when ... why ... or how that happened. So I was told that I have NO qualifying payments toward forgiveness but if I wanted I could start right now. WHAT!?!?!?!? I have had these loans for over 20 years!!!!!!!!! I started off on an XXXX and now I ended up on some other plan and nothing counted. 
To recap : Problem 1 : They convinced me to go into multiple forbearances over the years. 
Problem 2 : XXXX XXXX consolidated my loans one time and then XXXX did it again without my request or knowledge at all. I never had any parent plus or any private loans so there was NO NEED for that. 
Problem 3 : I was taken off any XXXX and now my clock is completely reset on any forgiveness after I've had my loans over 20 years! 

I always get the run around so I'm just hoping you can help somehow. Thank you so much!
Consumer complaint received 2022-08-04
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. (NY)

This is my 7th letter that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was 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 information relating to any transaction by the consumer. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$760.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3400.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8200.00} XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$780.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8200.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$780.00}. 

If you claim these accounts are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these accounts from my file. 

Please note Im sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block these accounts I will be referring this matter to my attorney for further action. Please do not make this a litigious matter
Consumer complaint received 2022-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (VA)

Rental a condo in XXXX Fl made 1st half payment of XXXX on XX/XX/XXXX made final payment 7 days of arrival on XX/XX/XXXX made payment through XXXX - contacted resort on XX/XX/XXXX to verify my reservation and I was told the condo unit didnt exsit I reached out to Wells Fargo immediately advised them I was scammed, Wells Fargo said because its more than 60days they wont give me my money back.
Consumer complaint received 2022-08-19
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

Please take action immediately your company is in violation of several laws according to the FCRA your displaying multiple incorrect accounts and it is effecting my ability to obtain credit. this is my last time reaching out on my own behalf next time you will hear from my lawyer.
Consumer complaint received 2024-12-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (UT)

Wells fargo, per Reg CC, placed a hold on a large check I deposited. It states that fund will be available on XXXX. They decided to place a longer hold until XXXX  and have failed to provide a valid reason why or letter stating why the additional hold. I am now concerned about the validity of the check. It was a local check and should have cleared within 5 days.
Consumer complaint received 2022-08-03
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)

Victim of Several Data Breaches. Victim of Identity Theft. I have submitted info to XXXX, XXXX, and Experian since XXXX of every major/ minor violation on my credit report. I do not have negative information on my credit report. I have never applied for any mortgage. All of my accounts are in good standing with payment history of XXXX XXXX. Remove all negative / closed accounts from reporting.Remove all Inquiries relating to any account not in good standing. Any account closed is simply because the Creditor refuses to correct the account as requested by affidavit sent certified mail.
Consumer complaint received 2022-06-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (TN)

I had automatic payments to Penny Mac setup through my bank. In 2022 my property taxes increased and my auto payments were short. I was not getting proper notification in the mail and phone calls only left messages to call back about my account. About six months of payments missed and only about three actual email notifications. Most mail notifications from Penny Mac are to refinance, so I never called back. Eventually I did speak to someone who informed me of my past due amount. Every month was added on not only the extra amount for the shortfall, but also of the monthly late fees. I immediately paid the back amount to get my account up to current status. That person also informed me that the best way to stop this from happening is to setup auto draft through Penny Mac directly. 

I setup auto draft at that time in XXXX of XXXX. Once again, in XXXX, the auto draft did not go through and I had a late payment. I then made again the steps to correct my auto draft from Penny Mac 's system. The system said I had a Scheduled Payment on XX/XX/2022 and the Status says " Scheduled. '' As of XX/XX/2022, the payment still did not go through. When I called, I was told my account was a " Suspended '' status and I needed to bring my account up to current for the auto payments to work. I brought my account up to current, and the XX/XX/2022 Scheduled Payment is still showing and yet in the One-Time Pay section, it shows I do not owe anything until XX/XX/2022. When I called an inquired about why my payment did not go through I was told two different things ... the first was that I can not setup auto payment with an amount due. And from another agent, I was told there was an issue with my auto draft and that money was not there ( an obvious lie ). 

I am filing this complaint for three reasons - failure for proper notification of missed or late payments. And an auto payment system that fails to work putting me not paying my mortgage on time leading me into a false sense of security with a Pending Payment Status of " Scheduled '' when it did not go through, nor ANY notification that I can not setup auto payment with an amount due. Why is a system designed not to have a system for auto payment with amount due? Almost always will there be an amount due! And lastly, for lying to me about my account and my account status for failure of their system.
Consumer complaint received 2024-11-17
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. (IL)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2022-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

By the provisions of the Fair Credit Reporting Act, I am sending this complaint to request that the account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file.The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$0.00} Please confirm the information shown in this account is 100 % accurate or CORRECT this account information from my credit report because I believe it may be erroneous.
Consumer complaint received 2022-08-13
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)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

This company is also furnishing data without my written consent in clear violation of 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 1692C Without the prior consent of the consumer given directly to the debt collector or the expeess permission of a court of competent Jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2024-12-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX California XXXX XXXX ( XXXX ) XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Subject : Request for Assistance Regarding Hold on Business Checking Account Account Number : XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance concerning a hold placed on my business checking account with U.S. Bank. This hold has significantly impacted my business operations, and I am seeking its immediate removal and the release of my funds. 

I first noticed unauthorized charges on my account starting in XXXX. However, I became aware of the issue in early XXXX. Despite my attempts to resolve this matter directly with U.S. Bank, I have not received a satisfactory explanation regarding the hold on my account or the status of the disputed transactions.

I respectfully request a detailed explanation for the hold placed on my business checking account and the steps required to have it removed. The continued restriction on my funds is causing considerable strain on my business, and I would like to resolve this matter as promptly as possible. 

Thank you for your attention to this urgent issue. I look forward to your assistance in facilitating the removal of the hold and the release of my funds. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX