davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MA)

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2015-07-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ditech Financial LLC (DE)

Greentree is illegally boosting my balance to collect more money on a collection than I owe. I have attached XXXX copies of my credit file page showing Greentree 's loan. In XX/XX/XXXX they showed a XXXX balance but listed that it was transferred to another lender. In XX/XX/XXXX they showed the balance of {$210.00}. When I called to pay this amount, they jacked up what they said I owed to {$810.00}. 
The Fair Credit Reporting Act provides that a creditor must report accurate data to the credit bureaus or remove the account. 
Sec. 623 ( a ) ( 1 ) ( A ) Reporting information with actual knowledge of errors. 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. 
If the {$810.00} is a correct balance, then Greentree committed willful negligence when it reported {$210.00} to the credit bureaus on XX/XX/XXXX. 
Regardless ... boosting a balance from {$210.00} to {$810.00} in 30 days is illegal and unethical
Consumer complaint received 2015-07-02
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: WELLS FARGO & COMPANY (NJ)

My wife and I purchased carpets XXXX today financed through Wells Fargo on XXXX/XXXX/2014. On the anniversary of that date I was charged {$1500.00} at 27 % interest for one year of back dated interest on a loan that totaled {$5600.00}. At the time of sale it was never explained to me or my wife what the interest rates were or the stipulations on the 12 months no interest deal was. The salesman simply said interest would start after the 12 months. The salesmen spent a better part of XXXX hours showing us carpets he also filled out all the forums for us. While rushing us through the paper work he kept assuring us that this would be far less expensive than putting it on a credit card. As you can see with the documents provided they are all in his hand writing. At the end of the sale he gave me a small paper stating it was a receipt I needed to sign for. Again it was filled out by him. So I signed for it not realizing that it was not in fact a receipt but in actuality a credit agreement, that he filled out ahead of time. Looking at it I would never of agreed to such an unfair one sided agreement. The tactics used were predatory and took advantage of new homeowners that had no experience with such types of sales and loans. So as it stands now I paid {$2300.00} on a loan that 's principal has only gone down by {$630.00}. If it were explained to me honestly I would have either paid in full at the time of sale or put it on my credit card which is more than half the interest rate of the egregious 27 % given.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to dispute this item on my credit report that have infringed upon my federally protected consumer rights to privacy and confidentiality, as guaranteed by 15 USC 1681 of the Fair Credit Reporting Act ( FCRA ).

The following account listed on my credit report have violated my rights : Convergent Account 603534015894**** According to 15 USC 1681b, consumer reporting agencies may only furnish consumer reports under certain circumstances. The unauthorized disclosure of my personal information to these entities constitutes a breach of confidentiality and an infringement upon my right to privacy.

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 2016-02-03
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: WELLS FARGO & COMPANY (NY)

In XXXX, 2015, Wells Fargo sent me a letter informing me that my student loans can not be paid more than 20 days from the due date. If payment is received more than 20 days from the due date, the due date will not change. For example, if a payment is due on XXXX XXXX, and I make a payment on XXXX XXXX, the payment will be accepted but the due date will remain as XXXX XXXX ( not XXXX XXXX ) which forces me to make another payment in early XXXX to change that due date. The result of this is that it deters me from making a payment every 4 weeks ( 13 payments a year ) and instead, I have to make a payment once a month ( 12 payments a year ). 
Unfortunately, like XXXX of Americans, I live paycheck to paycheck, however, with my salary, I could still afford to pay every 4 weeks. What I can not afford, is to pay more than 20 days ahead and be forced to make a payment in less than 4 weeks so that the due date rolls forward and I do n't face late payment fees. This is a problem because these student loans are front loaded with interest so the only way I can pay down more principal each payment is if I pay every 4 weeks. If I pay once a month, I pay more in interest because it accrues so fast and payment towards the principal balance actually decreases from that of the previous payment. Also, please note that I will likely be paying off these student loans for another 20 years ( at {$190.00} per month ) so not allowing me to pay it off quickly is hurting me financially, while in turn, helping Wells Fargo earn more interest. 
Wells Fargo states that this change is to help the borrower but as I have explained, it only helps Wells Fargo prevent the loans from being paid off while generating more revenue for them, which is unethical. Student loan debt is certainly a hot button issue in the United States as millions of people have accrued enormous amounts of debt to go to college in the hopes for a better life. While the debt is a problem, the bigger problem is the fact that Wells Fargo is creating tactics that make it more difficult to pay off these loans efficiently, keeping people in debt for much longer than they need to be. It is my understanding that the CFPB was designed to help consumer 's like myself, have a voice when they are being wronged by a greedy financial institution. I feel that this is a prime example of what the CFPB is designed to do. I hope that you investigate Wells Fargo as well as any other " too big to fail banks '' for unethical methods regarding the repayment of student loan debt from people who will already be paying off these debts for 25 years.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, 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.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to dispute this item on my credit report that have infringed upon my federally protected consumer rights to privacy and confidentiality, as guaranteed by 15 USC 1681 of the Fair Credit Reporting Act ( FCRA ). 

The following account listed on my credit report have violated my rights : XXXX  Account XXXX According to 15 USC 1681b, consumer reporting agencies may only furnish consumer reports under certain circumstances. The unauthorized disclosure of my personal information to these entities constitutes a breach of confidentiality and an infringement upon my right to privacy.

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 2016-02-23
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NJ)

wells fargo has not reported correct information. My credit scores still read that I have not made a single payment since 2008. Wells fargo has been contacted in the past by XXXX XXXX about the payments. She is the other member of the JOINT ACCOUNT. SHE HAS ALREADY SUPPLIED ALL THE PAYMENTS FOR THE PAST 5 YEARS. Wells Fargo has yet to update my information. I have recived a useless phone call from a useless person who refused to go over information and was more worried about verifying information. It is now at the point where the mortgage has been transfer to bay view loans with incorrect information.
Consumer complaint received 2016-03-23
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: U.S. BANCORP (WI)

I am in the process of purchasing a home through US Bank. I am in a US Bank American Dream Loan which is suppose to help low-income buyers, like myself, obtain a mortgage. This is not what is happening with this loan product. I have been through this program two times and I still do not have a home. I have lost thousand of dollars because the bank does not explain, in details, the full process of the American Dream Loan. They do not tell me that any repairs are over {$4900.00} will turn the loan a rehabilitation loan. They do not tell me that if the amout of repairs over the appaisal value will have to come out of my pocket regardless of whether or not the repairs are under the {$5000.00} mark. They do not tell me the process for the American Dream Loan will take more than three months to complete because you have to find your own licensed contractor to do the work that bank is requiring. Why does n't the bank have a list of contractor who have worked with the program and bank to facilitate an easier process. None of this information was given to me at the time I applied the first time for the loan. It was only after 7 months of trying to purchase a home did US Bank give me this information along the way. Over the course of those 7 months did US Bank reveal to me pertinent information little by little. They are leaving information out to be spread over the entire process and this caused me to waste myr time and my money. I was not able to come up with an additional XXXX % when I had paid for all the prepaids and only had my 3 % down payment. Based on these scenarios, the American Dream Loan is not for low-income buyers. In my opinion and experience with the process, it seems that low-income buyers within the central city do not have a chance XXXX of completing this loan based on the housing condition in the central city. Most low income buyers are unable to get a conventional loan. The large number of affordable homes for myself in the area will need required repairs ( over {$4900.00} ) and these repairs are over the appraisal value ( which most will be ). This is my second time around in this loan program and I still can not get to closing. I just want to close on the property, pay my mortgage and live my life. US Bank should be ashame of leading low-income buyers on with this program while the buyer loses thousands of dollars. This program does not help the low-income buyer nor is the information about process of this program divulged to buyers. The American Dream Loan should be investigated. I am sure I am not the only buyer who is or has gone through this with US Bank
Consumer complaint received 2015-07-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

A dispute was filed against XXXX ... .challenging ownership of thi acct ... XXXX never responded ... .they just increased the amt of time for the collection to appear on my report ... .I got slapped by XXXX for asking for a right afforded by the FDCRA ... .XXXXdoes as they please ....
Consumer complaint received 2015-04-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

I have disputed the information with Equifax XXXX times. The confirmation numbers of the dispute are XXXX, XXXX and XXXX. Each dispute flows from these XXXX numbers. I am on my XXXX attempt to correct the inaccurate information and information that does not belong to me or information that is beyond the reporting toll ( years to be reflected on the report ). The ironic thing is both XXXX XXXX and XXXX acknowledge the inaccuracies and have removed them from my credit report but Equifax refuses which tells me they have not done their due diligence in accordance with 15 U.S.C. Section 1681 ( e ), Section 1681 ( i ) ( a ) ( 1 ) ( A ) and 1681s-2
Consumer complaint received 2015-07-19
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have had a Bank of America checking account for 12 years. Got an email while I was out of town that my debit card had been cancelled. Called them and they said there had been a data breach and they were sending me a new card ( which XXXX had already done. ) Card never came. So they cut off my debit card to merchants. I called them and told them I wanted a new card the next day. Of course, it never came. They finally cut off my debit card for use at ATM 's. Leaving me nothing but checks. I had over {$2000.00} in my account, have not changed my address for over 6 years.
Consumer complaint received 2024-08-30
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: EQUIFAX, INC. (TX)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2015-04-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (GA)

I have submitted XXXX written requests and made numerous phone calls to Bayview Loan Servicing to obtain a breakdown of the activity on my mortgage account. I am in chapter XXXX but I make the payments directly to Bayview each month. I have been told that it is not their policy to send monthly statements of account to CHXXXX clients. I do not understand this because before XXXX XXXX XXXX transferred my loan to Bayview, XXXX XXXX XXXX did send monthly statements. I have made XXXX of the 60 monthly payments required under my monthly plan. I am not in default. Bayview has also failed to send the XXXX mortgage interest statement required under IRS regulations. They offered to give me a figure over the phone but obviously this information must be reported in writing. As I am typing this, I just spoke with Bayview and they state that the XXXX will be faxed today or tomorrow. They also stated that because I have an attorney of record on my account. their policy is not to send me any information but to report it to my attorney instead. The problem is that my attorney states that Bayview has not sent them the requested information either. I have experienced problems with accounting errors on previous mortgage accounts and it is important that I know how my payments are being applied. I know that the law requires Bayview to provide me with a detail of how my payments are being applied as well as my escrow and principal balances. I believe that I am not the only client of Bayview who is not receiving information on their account. I am attaching a copy of the XXXX the letters mailed to Bayview in XX/XX/XXXX and XXXX XXXX the XXXX letter was also faxed. I would appreciate any assistance you can offer to facilite my receipt of the transaction activity and balances on my mortgage account. 
ThanksXXXX XXXX
Consumer complaint received 2015-11-17
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAVALRY INVESTMENTS, LLC (VA)

My name is XXXX on XX/XX/XXXX I had my credit report ran and saw a judgement against me on XX/XX/XXXX. When I contacted Calvary XXXX ( the agency that filed the judgement ) and gave them the account numbe I was told that this account belongs to someone named XXXX XXXX and that they can not discuss the matter with me. I tried going through their escalation process to have this judgement removed but with no success. My attorney XXXX XXXX XXXX XXXX XXXX even sent them a letter on XXXX XXXX, 2015 and neither he nor I have received a response and the judgement is still sitting on my credit report, and they will not discuss the matter with me or him.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2016-03-28
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (FL)

GMAC refuses to explain or show that the debt they have been reporting since XX/XX/XXXX is accurate. I have amicably tried to resolve this matter however GMAC has refused to answer any of my questions or show me proof that I owe them any money. They have gone as far as removing my good GMAC accounts from my credit reports and leaving the one trade line which is reporting in error. I have tried the XXXX but they never responded I have tried writing letters certified to their legal counsel in New York to no avail. I want them to remove the negative reporting off my report which is due to come off in XXXX XXXX anyway. Please help, their customer rating and satisfaction rating is very low from the research I have done and this situation is no different. I return the car in good condition on time.