davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-12
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY (TX)

I have an auto loan with Wells Fargo Bank. I have made consistent and on time paymets for the past four years. I have always paid more than what my monthly payment was. My loan amount balance is less than {$1500.00}. Over the last three months, my employer was purchased by another organization and they did not want to keep me during the merger. I fell behind on all of my bills but now have a new job and I am trying to get caught up. I am only two months behind on my auto loan. I have explained my circumstances to Wells Fargo on several occasions, but they continue to call me, my new employer, my family members and even former roommates that I have several times a day to collect a debt. Everyday I speak to them, I ask them to please hold off for one more month so that I can catch up on my auto loan. They call from several different phone numbers all throughout the day, even after they have already spoken with me that day. If they reposess my vehicle, I will lose my new job because I will not have a ride to work. I have begged and pleaded daily for the last month for them to please wait until I get caught up, but they will not. Everybody at my job laughs at me because Wells Fargo keeps telling my new coworkers that they arw attenpting to collect a debt, they even ask my fellow coworkers and family members if they will make a payment on my behalf. I just need one more month ro get back on track with my payments but Wells Fargo will not be sympathetic, despite my outstanding payment history. This issue is also occuring with my Wells Fargo Credit card. I have also been charged several overdraft and NSF fees from Wells Fargo drafting my wells fargo auto loan and wells fargo credit card payments from my wells fargo checking account. I have asked them to stop but they say that it will keep drafting. All of my accounts mentioned in this statement are with Wells Fargo. They are completely able to see that I do not have the money in my checking account but will still draft the payments and then charge me overdraft and NSF fees.
Consumer complaint received 2024-08-15
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. (TX)

After reviewing my submission I noticed that the Credit Bureaus stated that my account was properly investigated but how is that possible when some of the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are inaccurate? This is grounds for removal. They also violated my rights under 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 written instructions 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 USC 1681 Section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

15 USC 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. If these accounts are not removed I will be reporting you to the XXXX, and I will be contacting the Federal Trade Commission, and I will be filing a lawsuit against your consumer reporting agency for violation of privacy and pain and suffering.
Consumer complaint received 2015-09-15
Product: Credit card — 
Issue: Billing disputes — 
Company: TD BANK US HOLDING COMPANY (NC)

good morning ... .i have had a target credit card for a few years ... ..i opted to have the payments automatically, until XXXX of 2015 ... ..at this time i decided i would prefer to pay each month, hoping to pay it off, instead of just the same amount every month ... .lo and behold, target would not allow me to do this and now they are holding my bank account hostage!!! XXXX agreed, back in XXXX that this was illigal, and supposedly placed a " permanant '' stop payment on my account, for target ... .i closed my account and asked target to send me a paper statement and i would pay them by mail ... .they have since overridden everything and is still taking money from my account ... ..the bank is reneging, it seems, on their promise to return all of target requests so everyone has control of my checking account, But me!!!! ... .plrase help me in this matter ... thankyou ...
Consumer complaint received 2024-10-17
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. (NY)

Subject : Dispute of Inaccurate Information on Credit Report - FCRA Section 611 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information Dear Sir/Madam , I am writing to dispute inaccurate information listed on my credit report provided by Experian. Pursuant to my rights under Section 611 of the Fair Credit Reporting Act ( FCRA ), I am entitled to have any inaccuracies promptly investigated and corrected. XXXX XXXX # XXXX After reviewing my credit report dated XXXX XX/XX/XXXX, I have identified discrepancies that necessitate your immediate attention : Based on the provided image of the credit report for the XXXX  XXXX account across XXXX , Experian, and XXXX XXXX here are the key details to compare and potential inaccuracies to consider disputing : Date Opened : XXXX XXXX XX/XX/XXXX. Matches Experian but not XXXX. 
High Credit : XXXX : {$5300.00}. Different from both XXXX {$6700.00} and Experian {$0.00}. 
Credit Limit : XXXX : {$0.00}. Matches Experian, but not XXXX {$4700.00}. 
Last Reported : XXXX : XX/XX/XXXX Different from XXXX and Experian, both of which report XX/XX/XXXX. 
Comments : XXXX : Charged off account. Accounts closed by credit grantor. Different resolution description compared to XXXX Charged off as bad debt. Dispute resolved ; reported by grantor. and Experian Account was in dispute- now resolved - reported by subscriber. 
Date Last Active : XXXX : XX/XX/XXXX. Much earlier than XXXX XX/XX/XXXX and Experian XX/XX/XXXX. 
Date of Last Payment : XXXX : XX/XX/XXXX. Earlier than both XXXX and Experian, which report XX/XX/XXXX. 


Section 611 of the FCRA mandates that you conduct a reasonable investigation into these discrepancies. This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information, please remove immediately Therefore, I am enclosing copies of supporting documentation to assist in your investigation, including documents/evidence supporting the claim, such as billing statements, payment records, or correspondence with creditors. 

I hereby request that you undertake a thorough investigation of this matter and provide me with a detailed explanation of your findings within 30 days, as stipulated by Section 611 of the FCRA. Should the information be found to be inaccurate, I expect prompt correction or removal from my credit report. 

Furthermore, pursuant to Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA, I request that you notify me of the results of your investigation and any amendments made to my credit report. Thank you for your prompt attention to this matter. I trust that you will handle this dispute in compliance with federal law. 

I am also including a copy of my dispute to the organizations below. 

CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CC : Attorney Generals Office CC : State Senate CC : Federal Trade Commission CC : State Regulatory Agency Thanks For your Cooperation.
Consumer complaint received 2015-07-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Because of an extended period of unemployment ( without unemployment benefits ), I requested a Loan Modification in regard to my first mortgage on my residence of fifteen years. I responded with a complete application and documents as requested by Specialized Loan Servicing ( " SLS '' ). Subsequently, extended periods of time took place in which I would not get a response from SLS. Over a year ago, I was informed that they were missing just a few documents including an authorization to release my Federal Tax Return Transcript, pay stubs for my wife 's XXXX income and confirmation of my consulting agreement with a XXXX XXXX XXXX in XXXX California. Despite the fact that I had submitted these documents in prior submissions, I repeated the task by fax, XXXX and USPS methods. Once again, extended periods of time passed without hearing from SLS. Finally, I received a communication from SLS indicating that they were unable to evaluate the dozen or so programs available for Loan Modification or relief for homeowners who fell behind in their mortgage obligations. Following this startling event, I began copying my correspondence with SLS to local, State and Federal Agencies to raise the concern that I was not being given consideration in a good-faith manner. In a effort to respond without further challenging their system, I have resubmitted a complete application for consideration in response to their request. I have been repeatedly told that while my home was in foreclosure, there was no sale date set which implied to me that they would await the submission of the new application to evaluate these potential programs before proceeding with any further action. Much to my surprise, ten days ago, I received a notification that my home was being auctioned off at XXXX on XXXX XXXX, 2015 which is ten days from this date. You can imagine how startled we were to being told that 15 years of memories are going to be stripped from us -- -family birthday parites, graduation celebrations, the passing of our beloved dog, XXXX , the highs and lows any family goes through. In a wink of an eye, we can be homeless at age XXXX, without anywhere to turn in spite of trying continuously being responsible citizens to seek a solution to a troubling situation. I have now reviewed SLS 's history on the internet and find others have had the similar fate!!!
Consumer complaint received 2024-10-17
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. (NY)

Subject : Dispute of Inaccurate Information on Credit Report - FCRA Section 611 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information Dear Sir/Madam , I am writing to dispute inaccurate information listed on my credit report provided by Experian. Pursuant to my rights under Section 611 of the Fair Credit Reporting Act ( FCRA ), I am entitled to have any inaccuracies promptly investigated and corrected. XXXX XXXX # XXXX After reviewing my credit report dated XXXX XX/XX/XXXX, I have identified discrepancies that necessitate your immediate attention : Based on the provided image of the credit report for the XXXX  XXXX account across XXXX , Experian, and XXXX , here are the key details to compare and potential inaccuracies to consider disputing : Date Opened : XXXX XXXX XX/XX/XXXX. Matches Experian but not XXXX. 
High Credit : XXXX : {$5300.00}. Different from both XXXX {$6700.00} and Experian {$0.00}. 
Credit Limit : XXXX : {$0.00}. Matches Experian, but not XXXX {$4700.00}. 
Last Reported : XXXX : XX/XX/XXXX Different from XXXX and Experian, both of which report XX/XX/XXXX. 
Comments : XXXX : Charged off account. Accounts closed by credit grantor. Different resolution description compared to XXXX Charged off as bad debt. Dispute resolved ; reported by grantor. and Experian Account was in dispute- now resolved - reported by subscriber. 
Date Last Active : XXXX : XX/XX/XXXX. Much earlier than XXXX XX/XX/XXXX and Experian XX/XX/XXXX. 
Date of Last Payment : XXXX : XX/XX/XXXX. Earlier than both XXXX and Experian, which report XX/XX/XXXX. 


Section 611 of the FCRA mandates that you conduct a reasonable investigation into these discrepancies. This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information, please remove immediately Therefore, I am enclosing copies of supporting documentation to assist in your investigation, including documents/evidence supporting the claim, such as billing statements, payment records, or correspondence with creditors. 

I hereby request that you undertake a thorough investigation of this matter and provide me with a detailed explanation of your findings within 30 days, as stipulated by Section 611 of the FCRA. Should the information be found to be inaccurate, I expect prompt correction or removal from my credit report. 

Furthermore, pursuant to Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA, I request that you notify me of the results of your investigation and any amendments made to my credit report. Thank you for your prompt attention to this matter. I trust that you will handle this dispute in compliance with federal law. 

I am also including a copy of my dispute to the organizations below. 

CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : Attorney Generals Office CC : State Senate CC : Federal Trade Commission CC : State Regulatory Agency Thanks For your Cooperation.
Consumer complaint received 2015-07-11
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

On XXXX XXXX, 2015 I contacted Capital One Auto Finance via online message. I advised them I was ill and in the process of going on XXXX and that I wished to make arrangements to satisfy my contractual obligation to my auto loan. I advised them I could continue paying monthly once my XXXX payments begin and asked to defer a payment or for help with an arrangement. They responded and advised me to call in and request the deferral and arrangements as well as offer to fax my medical documentation. I did as they asked, and was told that even though I am past due 1 payment, I do not qualify for any hardship plans or assistance. I have made numerous calls to Capital One asking for help with an arrangement and am constantly being told I do not qualify because I am not past due enough. I have been encouraged by Capital One Auto finance to fall further past due as I may qualify once I get more than a payment past due. It is my opinion that Capital One Auto Finance is violating my rights under the FDCPA by misleading me with different information each time I call. Further, why would a lender encourage a customer to fall behind which will generate more late fees and financial stress? I got a letter post marked XXXX/XXXX/2015 accusing me of not honoring the contract to pay on time. The letter further states " while we have accepted late payments in the past, we did not waive our right to enforce the contract ''. It goes on to state they intend to strictly enforce the contract in the future and threatens to exercise its rights to " accelerate the debt and repossess the collateral ( the car ). '' This statement is an obvious violation of FDCPA as it threatens the consumer with misleading reporting, collection tactics and consequences. Further, this letter accuses me of being in " default '' when I simply past due 1 payment.
Consumer complaint received 2015-07-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My accounts are repeated and should not create the appearance that I have XXXX XXXX credit cards & XXXX XXXX XXXX XXXX XXXX are same company I had XXXX accounts and paid in full, closed them out, they should be considered Charge Off, Paid in Full, Satisfactorily, finally, XXXX XXXX no longer has my permission as I have not reapplied for credit, can they give themselves permission to continually do inquiries. I have an claims refund from XXXX Federal Trade Commission winning back my payment refund back, from XXXX XXXX XXXX XXXX, with many aka or XXXX, which has a negative remark on my credit report, now I have proof that they were conducting collections from me, fraudulently.
Consumer complaint received 2016-01-05
Product: Other financial service — Debt settlement
Issue: Fraud or scam — 
Company: Nationwide Biweekly Administration, Inc. (CA)

We enrolled in nationwide bi weekly program and now they are closed and they say the issue might get resolved few months later. They had also collected a fees of over XXXX $ from us and now they are saying even though the service is not offered the money is not refundable and refusing to answer questions. 

I also see this in reference to this XXXX Please help any way. Thanks
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to Experian XXXX a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Date Error : My payments for XXXX and XX/XX/XXXX were made on time. I have provided bank statements and payment confirmation receipts which clearly show that the payment was processed before the due date, but the creditor erroneously marked it as late. 
Technical System Failure : Upon reviewing my account activity, I identified that there was a technical issue with XXXX  XXXX 's payment processing system during that period. This error delayed the application of my payment, though it was sent on time, as confirmed by the confirmation number I received after submitting the payment. 
Clerical Mistake by the Creditor : In addition, it seems that XXXX XXXX applied my payments to the wrong account, causing a delay in crediting my account on time. I have documentation showing that this mistake was recognized internally by XXXX XXXX  customer service. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2015-07-12
Product: Credit card — 
Issue: Billing statement — 
Company: DISCOVER BANK (TX)

I contacted Discover to pay off the higher balance of my card. The guy told me {$570.00} would pay off the higher rate but I had to pay the same day when my regular payment would be deducted from my bank. I mistakenly used my old checking account ( i forgot to delete it from my discover profile ). i called back & explained. the lady told me she would waive the fee but not until XXXX XXXX because she could n't see the NSF fee ( not real time ). I paid the {$570.00} because the payoff would have been {$560.00} but I wanted to make sure interest would be covered because the rep could n't tell me the exact amount to payoff the higher rate. statement, dated XXXX XXXX, came & showed I owed {$160.00} in interest. I spoke to a rep today and he said the remaining balance on the higher rate was {$44.00}. I paid {$58.00} just to make sure. 
The rep was not very sure of himself or the method ... he could only tell me that the payment posts to the lower rate first then the higher rate. He said that the payment on XXXX/XXXX/15 went to the minimum due for XXXX XXXX and the remaining went to the higher rate but still could n't me a breakdown. 
My complaint is that Discover 's statements do not reflect the breakdown of the payments. The statements are very confusing and I 'm willing to submit a copy of my statement to prove it.