davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY (CA)

The lender lent money intended to be used for forgivable purposes per the XXXX XXXX. The funds were used according to the note however the lender breached the contract when they failed to process and submit the forgiveness application within certain statutory deadlines. 

A year and a half later the lender claimed that they lent more than was approved even though their authorized lending official, XXXX XXXX, on behalf of the Lender, certified that the review complied with the applicable lender obligations set forth in paragraphs 3.b ( i ) - ( iii ) of the Paycheck Protection Program Rule and the Lender had obtained and reviewed the required application ( including documents demonstrating qualifying payroll amounts ) of the Applicant. 
After numbers attempts to resolve the issue on XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX Wells Fargo XXXX XXXX XXXX XXXX, Ref Number XXXX and XXXX ; direct number ( XXXX ) XXXX; confirmed that On Friday XX/XX/XXXX the case was forwarded to the XXXX to be decisioned. In which during this time the loan would be deferred. 

On XX/XX/XXXX I forwarded confirmation that the appeal for Loan.had been received by the XXXX XXXX XXXX XXXX  XXXX.Borrowers/Appellants XXXX defer the payment of the PPP loan XXXX the processing of an appeal. 


On XX/XX/XXXX the Dedicated XXXX Loan Review XXXX in the XXXX XXXX XXXX, XXXX XXXX, confirmed receipt of the appeal and forwarded it to lenders XXXX department. 

Despite all efforts to communicate and resolve the issues with the lender they refused any direct communication with any decision makers or underwriters and their collections department continues to ignore the deferment and continues attempts to collect in violation of CFPB rules, and the lender is in violation of usually and predatory lending. 

The attached recent statement are in error due to conflicting balances and violate reasonable deadlines to make payments on a loan as they list due dates which fall within a week of the date the statements are received. 



Former complaints regarding this lender. 
XXXX XXXX These complaints have gone unresolved and I request that a thorough investigation be made.
Consumer complaint received 2023-01-01
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. (FL)

In accordance with the Fair Credit Report Act XXXX XXXX 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 an account without my permission.
Consumer complaint received 2023-01-01
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)

Account Name : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2019 Amount : {$32000.00} Account Type : Charge Off This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.
Consumer complaint received 2023-01-01
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)

I sent letters to the credit bureaus telling them that the inquiries on my account weren't mine and were inaccurate. I sent the Letters on XX/XX/22 I haven't heard back from them. 



I understand that under 15 U.S.C. Sec. 1681i ( a ), that the credit bureaus must complete this reinvestigation within 30 days of receiving my letters.

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

15 U.S.C. Sec. 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 2023-01-01
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. (CA)

I sent letters to the credit bureaus telling them that the inquiries on my account weren't mine and were inaccurate. I sent the Letters on XX/XX/22 I haven't heard back from them. 



I understand that under 15 U.S.C. Sec. 1681i ( a ), that the credit bureaus must complete this reinvestigation within 30 days of receiving my letters.

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

15 U.S.C. Sec. 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 2023-01-01
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. (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. 

Account name : XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX  : XXXX, XXXX XXXX XXXX XXXX  : XXXX, XXXX XXXX XXXX XXXX XXXXXXXX :, XXXX XXXX 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 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 2023-01-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

On XX/XX/2021 I made a purchase in the amount of {$520.00} for some designer purses with capital one credit card through what I was thought was a legitimate website. I follow the instructions for purchase as listed and once the transaction information was listed on the paypal account, I noticed that the name listed was one that did not seeming match the website. I called and notified capital one immediately. I suspected that the purses would be fake and I was extremely worried. Their response was to close my account, issue me a new card, and I completed a fraud assessment form and mailed it back to capital one. I was also told that there would nothing that I could do more until the packaged arrived. When the purses arrived, it was not as described on the website. I marked returned to sender on package and returned it. I attempted to return to website and it had disappeared from the internet. All of this was told to capital one, which seemingly did not care. I have had this same account with capital one for nearly 25 years, if not more.I then received a letter dated on XX/XX/2021, stating that I informed them that I did not make the charge, ( which is not the case ). The letter also stated that capital one " found insufficient evidence of fraud ''. I called capital one the same date that I received the letter and was told there was nothing that could be done and that I should contact XXXX. I did contact XXXX and was told that since I had reported it to capital one that there was nothing XXXX could do for me and that I should follow up with capital one. On XX/XX/2021 I received a letter and email stating that capital one was considering my case closed and that I was responsible for the charge. I tried numerous times to resolve with capital one with no results.
Consumer complaint received 2023-01-01
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. (AL)

XXXX and Transunion have violated my federally protected rights ; both companies are affecting my way of living by reporting know errors eventhoughf i have disputed or informed them of Inaccurate score reports, cautmy to deal with adverse actions when applying for family & household items. 



XXXX is reporting one score but on XXXX  its another score Transunion is saying my score is XXXX but rating & account are better than the other bureau 15 usc 1681 A4 that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 U.S. Code 1681s2 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 2023-01-01
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. (MD)

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 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 House XXXX ) : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX ) : # XXXX, XXXX XXXX XXXX : # XXXX and # 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. 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 2023-01-02
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. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
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 2023-01-01
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. (NV)

XXXX XXXX Responsibility of furnishes of information to consumers reporting agencies ( a ) Duty of Furnishers of information to provide accurate information A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or his reasonable cause to believe that the information is inaccurate. 

My proof of evidence is the third party reporting agency XXXX. This reporting agency is being used by all three agencies Experian, XXXX, and XXXX. They all confirmed that my consumer information is correct. But it a problem I am not a her. So all the information being given and shared has me as a her. I have provided the evidence.
Consumer complaint received 2023-01-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On XX/XX/2022, I issued a payment of {$550.00} to XXXX XXXX, through the Bank of America XXXX XXXX. XXXX XXXX never received the money. On XX/XX/2022, Bank of America received an affidavit from XXXX XXXX, confirming that they had not received the funds. 

To this day, Bank of America refuses to restore the {$550.00} to my account. The online bill pay department insists that Bank of America must collect the funds from the party who deposited the check, before they will reimburse me. 

I asked how long that would take, and they will not give me an answer. I asked where in the research process this issue stood, and they will not give me an answer.
Consumer complaint received 2023-01-01
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 XXXX, is not stating that monthly payments are being paid. I negotiated debt, and my balance is showing incorrect amount I owe and not being paid. I have statement/bill which, shows new amount owed and being paid. 
The original creditor was XXXX XXXX XXXX  I can upload statement. 
XXXX is balance owed, not close to XXXX. 
XXXX XXXX refuses to make changes on credit reports.
Consumer complaint received 2023-01-01
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. (FL)

Account Name : XXXX XXXX Date Opened : XX/XX/2017 Amount : {$1000.00} Account Type : Charge Off This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.
Consumer complaint received 2023-01-01
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. (OH)

in accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX Reference XXXX  XXXX TransUnion 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 2016-10-25
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Bank of America ran the clock out. I had a Scheduled XXXX Sale XXXX/XXXX/16 On Tuesday XXXX XXXX Bank of America told my realtor they were going to have a new appraisal ; done because of new contract submitted. Bank of America also told my realtor XXXX XXXX they would request a postponement of the XXXX Sale to allow the Short-sale to complete. On Friday XXXX XXXX, 2016 I contacted Bank of America and spoke to XXXX XXXX Customer Care Specialist who informed me no request for postponement of the Sale was submitted. He then requested it and BOA denied. I also received a call on Monday XXXX XXXX, 2016 XXXX pm, I received a Voicemail from XXXX Compliance Dept BOA. I returned his call and left a detailed message stressing the urgency in needing a response. I also called 9 times on XXXX XXXX, 2016 trying to get help. I got no response. Finally after the XXXX XXXX Sale happened I received a call from XXXX on Friday XXXX XXXX,. 2016. I did all I could to prevent the sale from happening. BOA drug their feet. They accused the realtor of not submitting docs when they were. Basically BOA gave my realtor and I the run around At this point I am seeking legal help. Someone has to hold BOA responsible for unfairly treating homeowners in stress.
Consumer complaint received 2023-01-01
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)

Account name : # XXXX, Account name : # XXXX has violated my rights. The account is not mine I am not an authorized user. 

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 2023-01-01
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (NH)

I purchased an XXXX XXXX from Jared XXXX with my XXXX  present, I was about to pay cash and the counter salesman made me an interest free offer on a store credit card for the first year, through Jared XXXX bank, Comenity Bank He did not mention that the interest for the entire year would be added retroactively at the end of the year if the balance weren't paid in full. 

On XX/XX/2022, they added a {$1400.00} charge without notice or warning. 

I'd been told the first year was interest free as long as I maintained payments, nothing more. 

This offer was misleading, it was used to solicited me to take out a credit account I had no need for when I walked into the store, the offer was made in a way to mislead me to think there would be no interest on the first year.
Consumer complaint received 2023-01-01
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)

Account name : # XXXX, Account name : # XXXX has violated my rights. The account is not mine I am not an authorized user. 

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 2023-01-01
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: Affirm Holdings, Inc (AZ)

CEASE AND DESIST IMMEDIATELY XXXX XXXX am a NATURAL PERSON, in accordance with 15 U.S.C 1692c I am advising you, AFFIRM INC, in writing that I refuse to pay the alleged debt. I am demanding you cease all forms of communication with me through every illegal avenue. You have caused me mental and financial stress when you issued a debt that does not belong to me the natural person and which I am not responsible for. 
I DEMAND THAT THIS CONTRACT BE VOIDED!! Cease and desist all collection attempts on this false debt I refuse to pay. 
According to 15 U.S.C 1692c ( c ) ( 2 ) I am invoking my specified remedies as a consumer and original creditor I demand all of the following : An audit trail of the alleged debt. 
XXXX out the balance of the account. 
STOP & DELETE negatively reporting to all consumer reporting agencies DELETION from all consumer reporting agencies If there is no response or compliance to this cease and desist it will be another violation under FDCPA for willing non-compliance and I will seek litigation as well as provide your entity with an invoice for every violation. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-01-02
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.