davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-24
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: WELLS FARGO & COMPANY (NC)

On XX/XX/XXXX, XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say this its mines. According to the FCRA XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately. 

On XX/XX/XXXX, XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say this its mines. According to the FCRA XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately. 

On XX/XX/XXXX, XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say this its mines. According to the FCRA XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately. 

On XX/XX/XXXX, XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say this its mines. According to the FCRA XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Consumer complaint received 2021-08-24
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. (NJ)

On XX/XX/2021, As a consumer of the United States, I sent Equifax a formal complaint about inaccurate and fraudulent information on my credit report that does not belong to me. I specifically listed their failure to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish. I also informed them that it is their responsibility to report only 100 % accurate information. I asked for a reinvestigation on 2 accounts. According to the FCRA, section 609 ( A ) ( 1 ) ( A ), they are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. Otherwise anyone paying for their reporting services could fax, mail or email in a fraudulent account. I demanded to see verifiable proof ( original consumer contract with my signature ) for the accounts listed below. I also let them know that I have been hindered in obtaining credit because of these inaccurate fraudulent accounts and under the FCRA, unverifiable accounts must be removed. Accounts to be removed immediately. XXXX XXXX XXXX, XXXX CU XXXX XXXX. They have not complied with the law or furnished any documentation with my signature as proof that these items belong to me. Delete this negative information from my consumer report.
Consumer complaint received 2022-08-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my 17th attempt to dispute the information in my credit file which is resulted from an identity theft. Again, Im sending over an Identity Theft Report # XXXX XXXX and XXXX. Pursuant of FRCA section 605B ( a ) ( 1 ) ( 2 ) Credit Bureaus are required to block any information in my file that resulted from an identity theft, not later than 4 business days after the date of receipt with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report. Please block these unknown items from my file XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX  XXXX, TX XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$340.00} ; US DEPT ED XXXX Balance Owed XXXX {$57000.00} ; US DEPT ED XXXX Balance Owed : {$71000.00} ; XXXX XXXX Balance Owed : {$1600.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX  ( Original Creditor XXXX XXXX XXXX ) XXXX Balance Owed : {$430.00} ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ;
Consumer complaint received 2023-03-22
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

During the 2020 pandemic I was in the hospital due to XXXX and Capital One advised me that they would not report my account late past due 30 days due to my circumstances. Ive reached out to them they told me to dispute it with the credit bureau and that should change my payment history due to the law of being able to be forgiving during the pandemic. 

Under The CARES Act, which was signed into law on March 27, 2020, Act amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisisbut only under specific circumstances. ( See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). ) Under the amended FCRA, if a " furnisher '' makes an accommodation because you were affected by COVID-19 during the covered period ( see below ), that furnisher must report your account as current to the credit reporting agencies, so long as you weren't already delinquent on payments. ( A " furnisher '' is an entity, like a lender or creditor, that provides information relating to consumers to one or more credit reporting agencies for inclusion in a credit report. )
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WI)

Account status had not been updated since XXXXXX/XX/2023. Account was paid off in XX/XX/2023. As of XX/XX/2023 account is still not updated as paid in full on credit reports for all three reports. Company is refusing to ensure update takes place.
Consumer complaint received 2023-03-22
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. (MI)

I am submitting this complaint to being notice to of the unlawfully reported unauthorized accounts on my consumer report this has violated my federally protected consumer rights to privacy and confidentiality under the FCRA law USC 1681. I have not given my written permission to put anything on my credit profile. I have been violated by you as state 15 USC 1681b You have no permissible purpose by law to contact third parties with my private and personal information. Your offenses amount to aggravated Identity THEFT! to title 18 USC 1028A. You have knowingly possessed, transferred, and or used without lawful consent and authority means of identification of me. Which is a Felony Punishment of 2 YEARS imprisonment! including civil liability, You're in violation of 15 USC 1692g and can be fined {$1000.00} per violation. Delete these account per my written instructions.
Consumer complaint received 2021-08-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CT)

I was completely in the dark about why my loan forgiveness was denied multiple times. I spoke to numerous customer service reps at Navient who kept telling me something about a loan before XX/XX/XXXXwas consolidated and not paid off. I was never told by any reps of the steps that I needed to do to be able to receive loan forgiveness. I was never told not to consolidate the loan from before XX/XX/XXXXin order to qualify for the forgiveness. Now, over XXXX payments later, I found out that I had to move my loans to another servicer and start from payment number 1 again. Navient told me nothing! They made an insane amount of money off of me which cost me another 10 years of my life paying off loans that should have already been forgiven.
Consumer complaint received 2021-08-24
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. (MO)

I've reached out to all three credit bureaus ( XXXX, XXXX, and equifax. ) Regarding errors on my credit report as well as inquires on my credit report. I've sent letters out on XXXX XXXX 2021 as well as months prior. I've yet to receive any correspondence from either bureau Regarding this matter. I need all items removed from my credit report and made whole again.
Consumer complaint received 2023-11-01
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. (SC)

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX XXXX, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions 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 2022-08-31
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. (FL)

The following accounts and Addresses were opened fraudulently without my permission or authorization, I demand for them to be removed immediately by law- Credit Cards- XXXX. XXXX XXXX Account # XXXX XXXX XXXX XXXX, XXXX Amount- {$6000.00} XXXX. XXXX Account # - XXXX Open dateXXXX XX/XX/XXXX -Amount- {$2400.00} XXXX. XXXX XXXX Account # - XXXX Open dateXXXX XX/XX/XXXX, XXXX Amount- {$4300.00} XXXX. XXXX XXXX Account # - XXXX Open dateXXXX XX/XX/XXXX, XXXX Amount- $ {$7600.00} XXXX. XXXX XXXX Account # - XXXX Open Date- XX/XX/XXXX, XXXX Amount- {$1000.00} Inquires XXXX. XXXXXXXX XXXX- Inquiry date- XX/XX/XXXX XXXX XXXX- Inquiry Date- XX/XX/XXXX XXXX. XXXX - XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-19
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

Compliant of fraud against Champion Mortgage ; XXXX. 

On the XXXX of every month I pay Champion Mortgage on my loan at the rate of {$140.00}. However, this month was especially difficult because of unforeseen medical bills. Since I had not paid Champion this month, XXXX, XXXX, I called customer service and requested they defer this months payment until next month, XXXX XXXX. I was told Champion would agree to this. Assuming this was correct, I went to XXXX and XXXX to make purchases, but my XXXX XXXX debit card was declined. When I called XXXX XXXX, they told me the {$140.00} had been posted to my checking account, which exceeded my available balance, now at negative {$95.00}, ( including overdraft fee of {$35.00} ). This action was in direct opposition to what Champion agreed to. I called Champion again to ask why they posted the payment anyway, after telling me they wouldnt. I was told it was a mistake, and that a refund of {$140.00} would be issued in two or three days. This has not been done as of XXXX. 
I reached out to Champion several times, reminding them : I am XXXX years old on XXXX and have no other income except Social Security. Please refund this payment to help me avoid additional hardship. 

Update addendum : XXXX As stated in the aforementioned, I was promised by Champion Mortgage they would accept deferral of my XXXX, XXXX payment of {$140.00} until XXXX, XXXX ( when I received my SS deposit to my XXXX XXXX checking account ). Reason being, I did not have enough available funds to cover the payment to Champion, as of XXXX, XXXX. This morning, XXXX, I was informed by Champion, the refund was declined. Champion told me the deferral would be effective next month, not in XXXX. This is not what Champion verbally agreed to, Besides, if this was normal policy, why was I not informed of this at the time I requested the XXXX, XXXX payment deferral. I would not request a XXXX deferral to help add available funds in XXXX. This makes no sense. 
This action if not rectified would cost {$95.00} badly needed funds from available SS deposit in XXXX. 
Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, Fl ; XXXX
Consumer complaint received 2021-08-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TN)

WELLS FARGO HOME MORTGAGE REFUSED, IGNORED, GAVE NO CONSIDERATION,, ABUSED, USED, AND REFUSED THROUGH THIS WEBSITE AND DOCUMENTATION, OVER THE PHONE OR BY ANY OTHER MEANS ANSWERING MY QUESTIONS AND SHOWING ME THE WET INK, NOT COPY, OF THE ORIGINAL NOTE SIGNED BY ME XX/XX/XXXX. XXXX. 

HOW DO I SUE WELLS FARGO AND HAVE A LEGITIMATE COURT TAKE ACTION AGAINST WELLS FARGO HOME MORTGAGE? 

THE HUD HOUSING COUNSELORS SAID IN THEIR PRESENTATION THAT HUD HAS BEEN SUED OR HE SERVICERS HAVE BEEN SUED... SO I WAN TO SUE WELLS FARGO HOME MORTGAGE AND THE ATTORNEY WHO SOLD MY HOME... OVER THE INTERNET AT AUCTION ON XX/XX/XXXX. XXXX. SOMEONE HAS TO BE SUED. HOW DO I GET REPARATIONS FOR THEFT OF HOME ... AFTER ALL THE QUESTIONS AND REQUESTS FOR PROOF OF A DEBT WHICH WELLS FARGO REFUSED, INGNORED AND IGNORED NUMEROUS TIMES THROUGH THIS TRAVESTY OF A COMPLAINT WEBSIGHT.
Consumer complaint received 2021-04-19
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MD)

I have been trying to find out why my mortage company won't apply my monthly payment to the month I call in, I have asked them every month I make a payment why is there a overdue amount that is not the amount of my monthly payment, they say they record every conversation, I tell them every month to have somebody find out how they come up with this overdue amount, their paper says late fees will be applied after tge XXXX of every month, they hit me with late fees, because they won't figure out where the problem started, or have a supervisor in finance department call me, they have given me 8 back to back delinquent payments, they gave me a confirmation for a payment in XXXX, but they never applied the payment, then they hit me with a delinquent mark and a late fee, and say they don't know why it has happened, but it is my fault to straighten it out, I have 2 other mortages and no problems, I have been with this company for 3 plus years and have had nothing but problems, when I ask for a supervisor, someone gets on the phone, and says they will investigate, and call me back, but nobody ever does, if anybody listened to the socalled recordings, you would hear me ask over and over, why can't somebody get off their lazy XXXX and find out whats going on and when did things get screwed up, amd I will admit, I have lost with them more than once, but I start out civil, but the company is so fly by night, and they don't do anything to help rectify the situation, this is my third problem with them, both other times it was their fault, but this one and the one in XXXX have ruined my credit score, I sent copies of bills and late letters to you all from them in XXXX, but never heard back from you all, so I just said oh well, but when I went to refinance, the guy at XXXX said my credit score needed to be at least XXXX, and said because of Loancare Co., my credit score is XXXX, another person said, because your loan pays them so much, and not much towards principal, they might be doing this to keep you stuck so you can't refinance, please help me, can someone please email me back to let me know you got this, thank you, and have a blessed day
Consumer complaint received 2021-04-19
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)

fcra violtions : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX POST OFFICE BOXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXL XXXX XXXX XXXX XXXX Account Number XXXX Account Type Lease Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$1000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XX/XX/XXXX 2019
Consumer complaint received 2022-08-02
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: EQUIFAX, INC. (FL)

15 U.S.C 1681 Section 602 A states the right to privacy.

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. 




Account # XXXX Account # XXXX Account # XXXX
Consumer complaint received 2022-08-06
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

Capital One has taken advantage of me solely and personally because they have sent me letters and a numerous postcards stating that I am now approved for credit pre-approved and all and so I would go back on there and fill out another application and which pulled another hard inquiry and I don't know much about credit but I'm knowing a lot about it now but I think it's fully and solely taking advantage of me and it's against me a minute and I I already discussed it with them and they said they would take it off there and they have it all the hard inquiries from them and they leaked out my information anyways I don't even think any of most of them are for me thank you I'm trying to build my credit I'm really trying hard I thought I was approved pre-approved at that when I did fill it out one time that I remember
Consumer complaint received 2021-08-24
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc (VA)

I made a purchase on the XXXX app last year between XXXX XXXX XX/XX/2020 on my Chime Credit Builder Card for {$18.00} but the item ( XXXX XXXX XXXX ) was returned due to the an size issue. I called Chime 's customer service line in XXXX about another issue and the rude customer service agent cancelled my card without my consent. Since the card was closed Chime was supposed to send me a paper check of the returned {$18.00} but it will be a year in XXXX of this year and I have yet to receive my money. I have contacted Chime multiple times since XX/XX/2020 to get my money that is mine. I keep getting the same response that I will receive the check in 8-10 business days via mail. I spend hours on the phone going over the same issue for no results. I know {$18.00} is not a lot but it is my money and Chime has no right to keep it when XXXX has returned my money almost 10 months ago. This is fraud and I do not use Chime anymore due to the lack of trust with my hard earned money. I have sent Chime all the documents requested about the return and Chime has not held up what they are supposed to do by returning my money.
Consumer complaint received 2022-12-22
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. (AZ)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts 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 #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX