davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (CT)

I received contact from a fraudulent Wells Fargo contact that stated my online banking was hacked and there was a pending XXXX charge on XX/XX/21. I spoke with the representative and in order to recoup the funds in transit - I wired {$1000.00} to my own email address. Apparently this was a scam and the funds were sent to a hacker. 
I contacted Wells Fargo within 5 minutes of the call and reported the comlain. 
They stated the complaint is closed as the fraud was made via XXXX and they do not cover that platform. 
Under Regulation E this should be covered.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I am unable to lift a freeze on my credit myself, forced to wait to have to speak to someone who was not helpful, nor did the chat feature function properly. It has been over 24 hours, ( I believe they have ONE hour to remove this ), and it has still not been resolved, nor, am I able to view/request my free annual credit report.

This all goes back to your previous investigation with them that they did not take seriously as this issue is still ongoing, impacting consumers financially : " The Bureau found that TransUnions failure to place or remove security freezes in a timely manner violated the Fair Credit Reporting Act ( FCRA ), and TransUnions failure to place or remove both security freezes and locks in a timely manner was unfair in violation of the Consumer Financial Protection Act of 2010 ( CFPA ). '' https : //www.consumerfinance.gov/enforcement/actions/transunion-trans-union-llc-and-transunion-interactive-inc/
Consumer complaint received 2022-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: R & B Corporation of Virginia (VA)

Attn consumer service, My name is XXXX XXXX XXXX .| am XXXX XXXX XXXX. My social is XXXX. My address is XXXX, XXXX XXXX XXXX XXXX XXXXXXXX 23455.my phone number is XXXX. 
| am attaching original bills | received From XXXX XXXX XXXX. | sooke to manger patient account service at XXXX and made several request. But they refused to help me. about 3 credit Bureaus policy of not reporting less than {$500.00}. What they have done all different time and date service they accumulate and reporting to finically hurt people intentionally.

When| visited dr | told him my hard ship. Dr said do not worry. From my insurance they got paid and they did breach of trust. | could have gone to Hospital where if | do not have income they forgive. This is a federal law. 
Another they have reported on XX/XX/2016 where it should have been reported early. This will extend 7 years time frame. | have less than year left. 
This has done lots of Finicial damage to me.
Consumer complaint received 2022-01-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I was enrolled in covid forbearance which ended XX/XX/2021. We were led to belief past due payments would be added to the backend of the loan however did not and I was offered a trail modification in which could not afford since my payments would be increased almost {$2000.00} dollars more. 

I then opt on XXXX to reinstate mortage back to normal servicing by paying the past due amount in which the bank now as misapplied all of my payments since XXXX and now states that I am still past due. I made all payments to bring my account current in which is paid upon until XXXX the bank has applied my payments to escrow and also suspense account not related to my mortgage and payments were not applied correctly to principal, interest and escrow. Also, the bank did not correctly conduct a correct escrow analysis to date. Please assist me with the bank since as of this date I am not able to resolve and the bank as not applied my payments correctly. 

As per my XX/XX/2021 mortgage statement I owed {$29000.00} and below are all payments made : {$3000.00} {$3900.00} {$7200.00} {$2000.00} {$15000.00} {$1200.00} {$2700.00} {$35000.00} Total paid ( {$29000.00} ) {$6200.00} payments not posted correctly Please contact my XXXX XXXX who is authorized to speak on my behalf at XXXX.
Consumer complaint received 2022-01-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Guild Holdings Company (MO)

We have been in forbearance 18 months due to Covid. We recovered and had requested a Loan Modification from Guild Mortgage. They sent out the written agreement and we returned it on XX/XX/XXXX. They claimed we did not fill it out correctly and sent another packet on XX/XX/XXXX. We signed that ( notarized as before ) but they their attorney provided a bogus shipping label that even XXXX can not find even though it was shipped through a XXXX carrier. We have contacted Guild dozens of times, but they refuse to resend new paperwork and have stated we will now play a waiting game? Whatever that means. We are concerned that Guild is perpetrating a fraud to undermine our attempts at compliance based on non-participation on our part. XXXX has denied our claim for lost package, so we have copies of the original agreement and are organizing another paperwork submittal we will include copies of the originally sent XX/XX/XXXX that includes the address stickers they affixed to the documents and the notarized signatures on the lost package. We can provide all documentation to the aforementioned and are currently at a stalemate with Guild. Their attorney whom the loan modification paperwork was addressed ( XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX Tx., XXXX XXXX telephone XXXX ) Will not verify if our paperwork was received and claims they can not reply to such questions because we are not their client.
Consumer complaint received 2022-04-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc (MO)

I was told I could not set up a payment plan under the amount advised. Therefore, I called every month, making payments of {$30.00} because thats all I could afford. It was the middle of the month and they decided to send this to collections, even though I was making a payment monthly. I also settled this debt in full. I asked the representative if this account will be removed from my credit report and to send it in writing on a recorded line. I never received this document, nor did they send a request to the credit bureaus to have this debt removed from my credit report. I would like this debt removed from my credit report as they told me upon agreement of settling it in full. I would also like any negative missed payment remarks removed also.
Consumer complaint received 2020-07-29
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Peoples Commerce Inc (NJ)

People Commerce is on my credit report as an repo. I was a victim of receiving a lemon from this agency. And I was included in a class action lawsuit against this company and was compensated. The Pennsylvania attorneys general office would brought the class action suit on my behalf also told me this should be removed from my credit report. I was able to have it removed from XXXX but XXXX still have it on my account.
Consumer complaint received 2023-12-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Navient Solutions, LLC. (AS)

Letter from Pioneer Credit Recovery , Inc Date of letter : XX/XX/XXXX  Amount of debt : {$1700.00} Actions : They are trying to collect a debt that I owe to the DOD ( Department of Defense ). 
The debt was referred by the U.S Department of the Treasury, Bureau of the Fiscal Service. 
Concerns : I believe that I do not owe this debt and should have more information about why and how did I get this debt. I have no idea or clue of the reasons why all this happen without my consent and I think it's a scam. And lastly I should have a lawyer or a representative too. 
Thank you.
Consumer complaint received 2022-10-18
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. (NY)

I XXXX XXXX, Consumer and natural person am a victim of identity theft. XXXX, equifax and XXXX  has used and furnished my consumer report without my authorization, consent or written instruction. They have neglected my rights as a consumer by allowing companies to to share my non public personal information without my consent, as well as using that information to furnish a fraudulent consumer report on my behalf. Congress makes it clear that as a consumer i have a RIGHT TO PRIVACY. These credit reporting agencies also known as financial institutions have violated my federally protected rights as a consumer with right to privacy by failing to meet the needs of congress by ensuring that they exercise there grave responsibility with respect to the confidentiality of my personal non public information. The FCRA was intended to insure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and respect to the consumer rights to privacy. These agencies are in direct violation of the FCRA and Gramm Leach Bliley Act of 1999.
Consumer complaint received 2022-03-21
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AL)

On XXXX XXXX, I filed a dispute with this bureau about the unverified account XXXX XXXXAccount number XXXX and XXXX  XXXX XXXXAccount number XXXX. In these 2 months I have not received a notice in 45 days and I have tried multiple attempts for verification of these unverified accounts with this credit reporting agency. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you
Consumer complaint received 2020-07-08
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: EQUIFAX, INC. (FL)

I have 2 hard inquiries on my Equifax  XXXX XXXX report from XXXX   XXXX, XXXX XXXX the 1st on XX/XX/XXXX and 2nd XX/XX/XXXX I did NOT authorize these and Ive tried everything to get their customer service on the phone please help
Consumer complaint received 2022-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX {$0.00}
Consumer complaint received 2021-10-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Federal Credit Control, Inc. (OH)

This is XXXX XXXX. I will be the only one authorizing this complaint. I will be sending my license, ss card and proof of address. 
I want to make a complaint about XXXX XXXX XXXX and Receivable. Both companies are providing unethical practicing and XXXX and XXXX are just letting it happen. The bill on theses account are paid from the document that i uploaded but they continue to record a collect with owing a balance. That's a violation that needs to be fixed. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) - XXXX Delete this account because of inaccurate reporting. The notice of dispute is required to report within 30 days of receiving the 1st dispute letter. If the notice is not there, which it is not the account is reported in violation of section 623 and needs to be deleted immediately Violation FIRST FEDERAL CREDIT C ( Original Creditor : XXXX XXXX XXXX ) - XXXX - Delete this account because of inaccurate reporting. The notice of dispute is required to report within 30 days of receiving the 1st dispute letter. If the notice is not there, which it is not the account is reported in violation of section 623 and needs to be deleted immediately Violation
Consumer complaint received 2022-03-21
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect
Consumer complaint received 2022-01-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (CA)

I have tried to open up bank accounts with many banks so far and they keep closing my accounts saying they cant tell me the reason why? I dont know why this is happening. Im pretty sure some one has committed fraud on with my social security. I need help because I need a bank account.
Consumer complaint received 2022-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXXXXXX # XXXX I'm unaware of this account and did not receive notification about of debt. If you believe you provided notification, please PROVIDE CERTIFIED RECEIPT. Also, please provide Assignment of Debt, Validation of Debt, and Method of Verification. This account was already removed Off on XXXX and Please honor all request of documentation.
Consumer complaint received 2024-10-10
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. (GA)

XXXX XXXX XXXX XX/XX/year> XXXX This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a charge off account from XXXX XXXX  # XXXX with a balance of {$300.00}, XXXX XXXXXXXX XXXX XXXX  # XXXX with a balance of {$4500.00}, XXXX XXXX # XXXX with a balance of {$4200.00}, XXXX XXXX  # XXXX with a balance of XXXX. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2022-01-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (SC)

On XX/XX/XXXX I received and signed my CARES ACT forbearance agreement. 
We agreed on moving our 18 deferred payments ( option XXXX ) to the end of the loan with no lump sum payment. 
On XX/XX/XXXX I received a bill for {$26000.00} dollars from FREEDOM MORTGAGE then they filed with Credit companies that I was late. 
I documented all conversations with them. We were also required to submit a new username password at the beginning of XX/XX/XXXX. After following instructions we have been unable to get access to our account ... ... including past communications. 
I talked to their IT department and I was told the situation had to be escalated to the next department and it would be two weeks then they would call back. That was over two weeks ago.
Consumer complaint received 2022-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Avant Holding Company, Inc. (NY)

For over XXXX years I've made my payments to Avant credit LLC on a timely fashion, however over the past several months Avant has been holding over my available funds for 10 days. THIS STARTED AFTER I ACCIDENTALLY SENT DUPLICATE PAYMENTS to them and I requested for Avant to send back one of the payments which they refused, so I had to file a dispute with my back to get that money back.
Consumer complaint received 2022-02-11
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. (MI)

As the original creditor and natural person, I did not give these companies consent to furnish my consumer report. In order for this account to be put on my consumer report and file that means the account had to have been validated. No one but me can validate a date. Therefore, these companies are violating my rights.
Consumer complaint received 2020-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (VA)

I use credit karma and also various credit card FICO score which shows that my score is XXXX I have never been late with payment for 10+ years, I have ample credit card, no negative record. No loan, credit utilization is less than 2 %. I have always been paying on time and full amount, have XXXX salary. 

When I went to get Auto loan at XXXX dealership, they pulled out my record with XXXX score which is way below what my actual score is. 

I checked all 3 agencies and there is no negative record ( except for the XXXX XXXX that I took ). I believe XXXX intentionally showed me a lower score. There is no reason for my score to be less than XXXX. I checked all agencies, credit card FICO scores they are all above XXXX. 

I have a suspicion that the score is manipulated when I seek loan by XXXX financial. Or there is some underlying issue exists that lowers the FICO score exactly when a loan is being requested.
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Opportunity Financial, LLC (NV)

Notice to agent is notice to principal, notice to principal is notice to agent I have been deceived and misled about the use of my credit they have misinformed me and after checking the fictitious contract they created I have spotted and seen that it states very clearly that the security originally is more as the car has been paid in full the moment I gave them access to my credit to my credit 15 usc 1602 ( I ) credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. I gave them my credit card and it entered me into a consumer credit transaction and that created a finance charge in pursuant to 15 usc 1605 ( a ) Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction.

In Pursuant to 15 USC 1681a ( 2 ) ( B ) Anything with my credit card which defined in TILA is my SSN should be excluded from my consumer report.

In Pursuant to 15 usc 1681a ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include. ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report Furthermore they used misleading means to attempt to collect an alleged debt, In pursuant to to 15 usc 1692e ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. 

This is hurting my lively hood and I cant apply for anything. This has affected my mental space and stressed me beyond measures that it has caused my mental health to get to it's lowest point. I am demanding that the account with XXXX, XXXX XXXX and Opportunity Financial be deleted from my consumer report XXXX XXXX, Beneficiary ALL RIGHTS RESERVED