davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NC)

I was talking with Wells Fargo in 2011 because I got laid off and my payment were behind trying to get help with my loan so they would not foreclose. I kept in touch with them about my loan and payments. I was trying to see if I could get a loan modification and they told me I could but the next thing I know my house was being foreclosed on and I get a call about loan modification but turns out it was not a modification and they ended up taking my house plus by that time I had a job and couldve made my payments and caught up but for what they did it was to late and took my house
Consumer complaint received 2023-01-21
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 (FL)

I financed a XXXX XXXX, and then they added on a whole bunch of fees and their own version of insurance and my bill keep increasing until they repossessed it. On top of that XXXX phone calls to my family and my work and myself and really XXXX  practices.
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: Experian Information Solutions Inc. (TX)

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ) I waited 30 days and received my investigation and notice everything was still the same. The consumer REPORTING agencies which is XXXX, Experian and XXXX did not modify or removed anything. 

The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on three credit reports.

Which is a violation. This is impacting me from moving forward to buying a house for my family.

I attach my previous credit report and my new credit report to show how Experian violated my rights.
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 is missing that should be on the report
Company: Experian Information Solutions Inc. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX the 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 



In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX the 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 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: ENCORE CAPITAL GROUP INC. (FL)

In accordance with the Fair Credit Reporting act, MIDLAND CREDIT MANAGEMENT is a company I never heard of until obtaining a copy of my credit report. This company has has not only violated my right to privacy but has also placed a fraudulent item on my credit report in efforts to prevent me from acquiring credit/resources to support my family. 

15 USC 1681 section 602 A states that I have the right to privacy.

15 USC 1681 section 604 A ( 2 ) also states a consumer reporting agency can not furnish an account without my written instructions which I would never give an okay to do so that I've never heard of.

Are they claiming to be the Original Creditor and can state under oath that I signed a contract with this company and if not how and why do they feel they have the authority to legally collect on an account they never originally owned.
Consumer complaint received 2023-12-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc (MD)

First of all I've been a loyal customer with chime Bank for almost 4 years now I got incarcerated in early XX/XX/XXXX and was detained/ incarcerated at the XXXX XXXX detention center all the way from then until I was released on XXXX the XXXX XXXX I've sent multiple emails to time explaining that I just want my account to be reopened back up and an investigation done I had a very small amount of money in my time account the day I was arrested I do believe it was like {$45.00} something along the lines not really so much worried about the money more worried about the fact that chime refuses to investigate also refuses to give me my almost 4 years of bank records I have a Time credit builder account with them also that I can't log into because they closed my regular time begging account which makes it to where I can't log in at all I have been emailing chimes customer support back and forth for the last 2 weeks and they keep emailing me back the same small three sentence reply we looked further into your account and we are unable to reopen your account due to a negative balance of {$2.00} yes {$2.00} and that's it nothing they can do about it they say so a loyal customer of time myself XXXX XXXX I was banking with chime in the state of Maryland when many people in Maryland didn't even know what or who chime was I recommended a lot of people to time do believe I still didn't get my referral bonus for a few of them but that's not what this complaints about this complaint is mainly about time doing no investigation when I emailed them and once again on this complaint going to state I am more than willing to supply any and all documents proven my identity including my state of Maryland identification card birth certificate etc and I'm more than willing to provide documents proven I was detained and incarcerated on the XXXX of XX/XX/XXXX and wasn't released from the XXXX XXXX detention center until XXXX the XXXX XXXX chime needs to have a supervisor really take a look at how I was a loyal banker of chime and used chime a lot receiving direct deposits from my employment and putting cash deposits in myself paying all my bills through time because my time was connected to my XXXX XXXX so I would get the boost on my credit score through XXXX booze by paying my XXXX XXXX XXXX bills on time. I think it would only be right for chime to investigate and at least reopen my chime banking account so I can keep my time credit builder account in good standings also and add money to my time checking account so I will be {$2.00}-
Consumer complaint received 2023-01-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO. (NV)

My issue is with Chase XXXX Bank credit card. I reached out to CFPB regarding a settlement but Chase refused because the debt wasn't at the six month mark. Instead they chose to report negatively to all credit bureau 's lowering my score. Knowing that I was unemployed and in a difficult financial situation. 

I received a letter from XXXX on XX/XX/XXXX, regarding a letter serving effective on XX/XX/XXXX. From XXXX XXXX XXXX stating that they have placed my account with XXXX XXXX XXXX, XXXX. for servicing. And their records show that my account has an outstanding balance not yet resolved for {$1200.00}. And if I do not resolve my account before the end of the prelegal track. It may be forwarded to an attorney to review for a possible lawsuit.
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 — Credit inquiries on your report that you don't recognize
Company: Fidelity National Information Services, Inc. (FNIS) (LA)

remove fraudulent / unauthorized inquiries from XXXX XXXX XXXX XXXX on XX/XX/2021, XX/XX/2021, XX/XX/2021 off my report with monetary relief for damaging credit score. Or provide proof in writing within 30 days. This is not the last four of my driver license XXXX.
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I sent a letter on XXXX XXXX, to remove the following items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after I sent the last letter. Ive already included this in my previous Complaint # & I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$210.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX : {$390.00} XXXX XXXX I XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$390.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Had a Cabela credit card, they use Capital One Bank. On or about XX/XX/ receive letter advising me they were changing my e-mail since I had not made the request. I called immediately to advise such. I spoke to XXXX who advised me that they had also opened an on-line checking account all without my authorization. I asked how this could happen since they required photo ID to even open an account to begin with and asked who authorized all this. She was flustered and told me they would cancel my credit card and I was not responsible. She sent me along to XXXX XXXX XXXX XXXX XXXX and she too reassured me and asked if I had an on-line checking and I have never with any financial institution. She sent me along to XXXX also in XXXX XXXX XXXX XXXX  He reassured me also and said that all accounts including the on-line checking would be cancelled and had not been used, but I was not responsible. I would have to re-apply for a credit card. I would have to send copy back and front of my driver licenses, XXXX. My case # XXXX and gave me the Utah address XXXX would have to mail it. My husband and I talked and decided we did not want to open another credit card with this company that they were not trust worthy. I did file a complaint with the XXXX  XXXX 's office who said they could do nothing! Received letter assuring my account had been closed. Thought all was well. Now I am receiving statements for a Capital One Bank Statement saying I have {$9800.00} in an account I don't even have and never ever applied for. It seems this account was opened XX/XX/ by I don't know who using my information. This seems like major league Fraud and I don't know what else to do. We only used our Cabela 's credit card 2 times in their XXXX XXXX store and I mail ordered just once in and the card was never out of our hands or used anywhere else!
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I HAVE CONTACTED XXXX BANK NUMEROUS TIMES, ZERO RESPONSE. XXXX BANK FAILED TO RESPOND TO MY CORRESPONDANCE SENT ON XX/XX/XXXX, VIA CERTIFIED MAIL. I HAVE ATTACHED THE CERTIFIED LETTER THAT WAS SENT FOR PROPER VALIDATION AND NOT VERIFICATION AS WELL AS THE XXXX XXXX SHOWING IT WAS DELIVERD AND PICKED UP BY ONE OF THEIR REPRESENTATIVES. IT IS NOW XXXX XX/XX/XXXX WITH NO RESPONSE OR CORRESPONDANCE, BUT ONLY ANOTHER COLLECTION AGENCY ATTEMPTING TO COLLECT. THIS IS NOW THE XXXX AGENCY, TO MY KNOWLEDGE AND EVEN AFTER FAILED ATTEMPTS TO SUE ME WHICH WAS DISMISSED IN COURT. THIS NEEDS TO BE COMPLETELY ERASED ENTIRELY FROM ALL THREE BUREAUS AND OFF OF MY CREDIT REPORT, IMMEDIATELY. XXXX BANK FAILED TO RESPOND WITHIN 30 DAYS - IT'S BEEN 4 MONTHS. I EXPECT THIS TO BE DEALT WITH AND NOT CLOSED LIKE THE LAST COMPLAINT I HAD SENT CFPB. I AM ALSO REQUESTING A COPY OF THIS DELETION. NEXT STEP WOULD BE THE ATTORNY GENERAL FOR CFPB NOT DOING THEIR JOB AND XXXX BANK NEGLECTING TO RESPOND. THANK YOU
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 — Credit inquiries on your report that you don't recognize
Company: U.S. BANCORP (MA)

XX/XX/2022 I applied for a bank card on line with USBANKS.

I was no longer interested in the USBANK products, after reviewing a large number of consumer ratings. I immediately request USBANK ( via phone call ) TO CANCELL my ( incomplete ) application.

USBANK has failed to honor an applicant request, that resulted in an hard hit inquiry on my credit report.
Consumer complaint received 2023-01-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Law Office of Brett M. Borland, P.C. (MI)

Original creditor : XXXX XXXXXXXX XXXX XXXX letter sent to me and my wife with this info : Collections agency : The law office of Brett M. Borland XXXX. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX Information listed on my credit profile XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX Phone number : ( XXXX ) XXXX Amount : {$33000.00} XXXX XXXX XXXX began sending us communication of this debt for a couple of months, then we got a letter from the collections agency listed above for the amount. This was a property damage claim that was covered by my insurance. During this time I expressed that to XXXX XXXX XXXX and to the collections company listed above as well. 

I learned that XXXX XXXX XXXX was in negotiations with my insurance company to settled the damage and come to an agreement of said amount to be paid. 

Attached please find proof from my insurance company that debt was paid and I am requesting the removal of this account from our credit report.
Consumer complaint received 2024-09-26
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. (GA)

This account was charged off on the following date ( XXXX XXXX ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should*NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX XXXXXXXX
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is my several attempts to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion Here are the accounts that needs investigation : XXXX XXXX XXXX XXXX XXXX .... Balance : {$61000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX. Balance : {$4900.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$28000.00}
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 — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my several attempts to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion Here are the accounts that needs investigation : XXXX XXXX XXXX XXXXXXXX XXXX .... Balance : {$61000.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Balance : {$4900.00} ; XXXXXXXX XXXX XXXX  XXXX XXXX XXXX. . Balance : {$28000.00}
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
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 — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and discard these immediately in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-20
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Despite multiple written requests, the unverified account listed below continue to report on my credit report, in violation of federal law. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXX XXXX Date Opened : XX/XX/XXXX  Balance : {$0.00}
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)

I have loan with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report. I have read enough to understand my rights. The 3 Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. XXXX XXXX Date Opened : XX/XX/04 Balance : {$0.00}
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.