davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (OR)

Wells Fargo / ASC wrongfully and illegally foreclosed on my home back on XXXX XX/XX/XXXX. Recently, I have read that in XX/XX/XXXX ; the CFPB has ordered Wells Fargo ( WF ) to pay several billion dollars in damages to consumers like myself. I have very solid documentation to prove all facts. I recently contacted WF with no positive results. 
Back in XXXX, I made 7 monthly payments on time under a trial loan modification. WF cancelled the loan mod and refused to accept the 8th payment. By contract, WF should have made the loan permanent after only 3 monthly trial payments. 
During the trial loan mod

, WF / ASC discovered 3 outdated and defunct liens on the property that I had not been aware of. These liens had been made legally and effectively irrelevant a few years prior due to the bankruptcy process I went through. So WF/ ASC requested I remove these liens. The local county courts do not make this a quick process, so it took several months. I stayed in communcation with WF throughout this process. These liens were never any threat to WF because WF was always
unquestionably in first lienholder position. Also, these liens were entirely outdated and ineffective. Removing these liens was only a legal formality ; though still a slow process. However, without warning or communication, the loan modification was suddenly cancelled on XXXX XX/XX/XXXX. The local courts had just finished removing all 3 liens just prior to XXXX XXXX. I immediately contacted WF and even though several WF representatives acknowledged that cancelling the loan mod was a big mistake ; they had no process in place to re-instate the prior loan mod and make the loan permanent. 
I fought this legally for more than 3 years but finally ran out of money to continue paying attorneys. Our family home was foreclosed on and I lost all the equity ( {$150000.00} ) I should have had in the home and my credit was severely damaged for many years due to the foreclosure. This all was so unnecessary and was a traumatic multi-year experience for my XXXX young children as well as myself. 
Furthermore, there was XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) class action lawsuit against WF / ASC where the Judge ruled strongly against WF for exactly this kind of conduct. Corvello vs WF. The Judge stated that not converting trial loan mods to permanent loans when the homeowner had made all required trial mod monthly mortgage payments was a clear FRAUD. He stated it was no different than agreeing to sell a wrist watch for {$100.00}, collecting the {$100.00} ; and then not actually giving the watch to the buyer ......
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

Re : Dispute of Charge-Off Account under the CARES Act, FCRA, and TILA Account Number : XXXX Creditor Name : XXXX XXXX Dear CFPB, I am writing to formally file a complaint against XXXX  XXXX for inaccurately reporting a charge-off account on my credit report. This action is inconsistent with the protections established under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ).

CARES Act During the national emergency caused by the COVID-19 pandemic, I applied for and was approved for a financial relief program provided by XXXX XXXX . Under the CARES Act, creditors were required to provide payment deferrals or modifications and report the accounts in a favorable status while participating in these programs. Despite complying with the terms of the program, my account was marked as charge-off, which is a violation of this law.

Fair Credit Reporting Act ( FCRA ) According to the FCRA, creditors and credit reporting agencies are required to report accurate information. Reporting my account as charge-off is incorrect and unfairly damaging my credit history. I am requesting the CFPBs intervention to ensure that this error is properly investigated and that the charge-off status is removed from my credit report.

Truth in Lending Act ( TILA ) Additionally, under the Truth in Lending Act ( TILA ), creditors are required to provide clear and accurate information regarding credit terms and any modifications to them. I was not properly informed by [ XXXX XXXX ] about how the relief program would impact my account or how the status of the account would be reported to the credit bureaus. This lack of transparency is a violation of my rights under TILA.

Request Therefore, I request that the CFPB investigate this matter and require XXXX XXXX to remove the charge-off status from my credit report, as the information is inaccurate. I am attaching supporting documents that show I was part of a financial relief program and that this charge-off classification is incorrect.

I appreciate your prompt attention to this matter and trust that you will take the necessary actions to rectify this situation, protecting my rights as a consumer. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (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. 

XXXX XXXX  # XXXX, XXXX XXXX XXXX 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. 16815-2 ( 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 2024-10-10
Product: Credit reporting 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. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (GA)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # 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
Consumer complaint received 2023-02-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

On XXXX XXXXXXXX XXXX charges flooded into my Wells Fargo account, from an individual or individuals, allegedly using the card simultaneously in XXXX XXXX XXXXXXXX, and more recently in XXXX, which the bank declined. 

Despite the obviousness of this flurry of out-of-town fraudulent transactions, Wells Fargo has returned only {$320.00} consisting of XXXX transactions in XXXX, but has withheld returning {$320.00} : a {$260.00XXXX XXXX XXXX charge in XXXX and two XXXX charges made in XXXX XXXX, on the same day! 

For their purposes, they should certainly try to figure how some of these fooled their security systems. That is not my job. 

I want my money back in my account now, where it should remained.
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

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. 

1. Account Name : XXXXXXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX 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 writter 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 2016-05-24
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

Portfolio recovery services reported an account to the collection bureaus ( XXXX, XXXX and XXXX ) which has cause negative/adverse action in regards to my credit file. The company never validated the debt in accordance to the fair debt collection practices act as I requested. The company reported this debt without notifying me or validating it. I called the company and the company claim they mailed a letter out in which I never received from them. FDCPA 1692g requires and states that Bill collectors are to validate debts before continuing collection efforts according to section G of the FDCPA. This company has yet to do so and have yet reported this account to the credit bureaus.
Consumer complaint received 2023-02-02
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: Resurgent Capital Services L.P. (FL)

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  Account # XXXX XXXX XXXXXXXX XXXX XXXX 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 2023-02-02
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: SYNCHRONY FINANCIAL (GA)

The following inquiry was placed on my XXXX credit file. I did not authorize this inquiry and when I requested validation of authorization, my request went unanswered. 

XXXX Inquired on XX/XX/XXXX Business Type : All Banks XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX The following inquiries was placed on my XXXX credit file. I did not authorize this inquiry and when I requested validation of authorization, my request went unanswered. 

XXXX Inquired on XX/XX/XXXX Business Type : Banks and XXXX & XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Banks and XXXX & XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX SYNCB/LOWES Inquired on XX/XX/XXXX Business Type : Credit card and travel / entertainment companies XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX The following inquiries was placed on my XXXX credit file. I did not authorize this inquiry and when I requested validation of authorization, my request went unanswered. 
XXXX XXXX Inquired on XX/XX/XXXX Business Type : Personal Loan Companies XXXX XXXX XXXX XXXX, XXXX By mail only This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX Business Type : Personal Loan Companies XXXX XXXX XXXX XXXX, XXXX By mail only This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX
Consumer complaint received 2023-02-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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. 

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 XXXXXXXX, 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 2023-02-02
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: Experian Information Solutions Inc. (NJ)

On XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX reported and inquiry on my personal credit report. I am very concerned regarding the serious possibility that Experian XXXX XXXX has not followed the permissible purpose provisions of the federal FCRA. A credit inquiry from Experian XXXX XXXX was placed within my credit inquiry file. The Act specifies that you must document your reasons for including such items on my report and, when in error, remove them as well. I am depending upon CFPB to follow the law : Either provide documentation that the law was followed by contacting Experian XXXX XXXX at once, or remove these offending inquiries as soon as possible.
Consumer complaint received 2023-02-02
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

Well Fargo allowed me to take on a mortgage without having any insurance. I purchased a condo in NJ. The XXXX  only covered the exterior of the property. I didnt know this at the time. However, a renter set the place on fire and this is when I learned I was uninsured. How could they let me take out this loan without making sure I was insured. They did absolutely nothing to help me. I had a mortgage and no way to pay for these damages.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IN)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.
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. (FL)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (NY)

On XX/XX/2023, I downgraded my American Express XXXX XXXX to a Gold card, the customer service agent did not disclose to me that I would forfeit the XXXX Membership Rewards points earned on the card. I miscalculated the date, which I originally upgraded the card. On XX/XX/2023, I received an email from American Express that XXXX points were removed from my account. On XX/XX/2023, I called American Express and requested that my XXXX account be re-opened as I made a mistake in downgrading the card, and asked for the XXXX points to be reinstated in my account. The customer service agent opened a claim. On XX/XX/2023 I was informed that the XXXX points would not be reinstated into my account although I re-opened my XXXX XXXX and paid the XXXX fee.
Consumer complaint received 2023-05-05
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. (TX)

I have submitted all the required documents to have this account removed, and I am pleading with you to take action as soon as possible. This account is causing me XXXX  and affecting my ability to sleep.
Consumer complaint received 2024-10-10
Product: Credit reporting 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. (VA)

My XXXX XXXXXXXX Credit card is not reporting to Experian or XXXX. The credit card number ends in XXXX. Ive contacted both credit bureaus as well as XXXX XXXX. The account is in good standing. The credit bureaus say that in XXXX XXXXXXXX XXXX contacted them and told them to delete the account. At the time, I was disputing a late payment with XXXX XXXX. Instead of correcting the late payment info, the direction from XXXX XXXX was to delete the account, which Experian and XXXX did. Now, the only way the account can be re-inserted is if XXXX XXXX contacts them and have them re-insert it. I have asked them to do so but they said that they are reporting it to the bureaus, which is all they are responsible to do. 

I have been on over a dozen calls with XXXX XXXX, Experian, and XXXX regarding this issue. I hope that you all can help me resolve this. 



Sincerely.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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. (TX)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 XXXXXX/XX/year>