davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (WA)

I received a notice from Midland Credit Management on XX/XX/2023. On XX/XX/2023 I sent a letter with tracking number for them to cease any further contact with me. I also informed them the original creditor, XXXX XXXX charged off the account and according to my credit report it is showing a XXXX  balance. I also told them they do not have a legal binding contract with me ; therefore the debt is no longer owed because the original creditor has charged off the amount owed I no longer owe the debt. On XX/XX/2023 I received a missed call from Midland Credit Management at XXXX violating my request to cease all contact with XXXX
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

The purpose of this letter is to address an issue that I am currently experiencing in regard to late payment reporting. I attempted to resolve this matter with customer service to no avail. On XX/XX/XXXX, I received notification from my credit monitoring services that I had a late payment reported by XXXX XXXX. 

Late Reporting Issue On or after XX/XX/XXXX, I requested a XXXX payment deferment granted by a customer service rep at XXXX XXXX XXXX Upon receiving my statement, I noticed that the agreed payment deferral had not been applied to the account, so I made a payment immediately, and it was made before the statement closing date. 

Thereafter, I reached out to XXXX XXXX regarding the deferment, and I was told that I had received the wrong information and that the payment deferment had never been applied. Since then, I have paid my car note every month before the XXXX late period. I made a payment on XX/XX/XXXX, in the amount of {$1600.00} by auto debit from XXXX XXXX. 

My XXXX XXXX statement due date is the XXXX of each month, and this payment was made before the due date. I have attached proof that I was not XXXX days late, and I am requesting an immediate update to all XXXX bureaus.
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have requested that all credit reporting agencies update my personal information to reflect my name and address and remove all others appearing on all three reports. The only name and address that needs to be ( see below ) on all three reports should be. 

As of the date of this complaint, this has not been done. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AVANTE (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 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 2023-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (TX)

I opened a checking account with Truist Bank because they sent me an offer to open a checking account and receive a bonus. I followed all the steps and opened the account initially on XX/XX/2023. I had to deposit {$50.00} to open the account, and I transferred this amount to the new Truist account. A few days later, on XX/XX/XXXX, I was locked out of my Truist account. I called customer service and they had closed the account with no warning or notice. I asked to get my {$50.00} deposit back, and the agent was unhelpful and did not process or escalate the issue. If they closed the account without telling me, they should refund the deposit I made.
Consumer complaint received 2023-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (TX)

Overdraft fees for things that shouldnt be over drafted, withholding a pay check for over two weeks and said that it was the employer, but Wells Fargo had already taken money from the payroll account.

Dates range from XXXX There are at least twelve different fees I have been wrongly charged. When I try to dispute the charges they have denied them or given me partial payment. I also have overdraft protection. 

I was never contacted by Wells Fargo to discuss settlement or see if I was impacted.
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. (NJ)

In accordance with the fair credit reporting act XXXX XXXX account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
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. (CO)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against these agencies a late payment on my credit card account. THe following accounts is listed below 1. XXXX XXXX  Account number : XXXX Date opened : XXXX XXXX, XXXX XXXX. XXXX  XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX. XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX. XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX. XXXX  XXXX  XXXX Account number : XXXX Date opened : XX/XX/XXXX According to 15 U.S. Code 1666b, a creditor may not treat a payment on a credit card account as late unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by section 1637 ( b ) of the title, is mailed or delivered to the consumer not later than 21 days before the payment due date. 

In this case, I believe that XXXX XXXX did not comply with the regulations outlined in 15 U.S. Code 1666b, as my payment was treated as late despite being made within the required timeframe.

I am requesting that the Bureau investigates this matter and takes appropriate action to rectify the situation, including removing the late payment from my credit report and ensuring that XXXX XXXX is in compliance with the regulations set forth in 15 U.S. Code 1666b.

Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: REGIONS FINANCIAL CORPORATION (NY)

Since around one month ago I lost my access to my online banking, it says locked account. When I call customer service they just said '' we cant verify you, go to a branch '' without any explanation or solution. Im not XXXX XXXX XXXX XXXX, I live in XXXX and I travel often to the US. I opened this account with my passport.
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

Equifax and XXXX All XXXX XXXX, 2023. 
Multiple times i have frozen my accounts and even signed up for extra protection under Equifax. Multiple times a hacker has been able to unfreeze both of these accts and change my email to an outlook email. Over and over again, after i have changed my password and even userid. This truly feels like it is somebody from their own institution. They won't research the email that is given. Which would tell them immediatley who it is they are dealing with. 
I had XXXX inquires in early XXXX and all were trying to open personal loans. I even got a atm card in the mail saying i opened an online bank acct with a 0 balance... 
I asked for extra security to be put on my acct and asked for supervisor help XXXX, they let me sit on the phone for XXXX hours and then sent me to a survrey of how well they did, without ever getting me to a supervisor. This was Equifax. 
XXXX just keeps letting them in and changing my email and un freezing also. 
If this stuff cant be fixed, we are all in big trouble. 

Please help, XXXX
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
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. (MD)

Pursuant to 15 USC 1681a ( 2 ) ( b ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( I ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( b ). I am demanding that you remove the following transactions from my consumer report immediately as they are a serious violation of my rights as a federally protected consumer under title 15 chapter 41.
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

In accordance with the fair credit Reporting act XXXX XXXX XXXX creditor has violated my rights.

10 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
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. (PA)

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) 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. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 4-5 months.
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX  XXXX Balance : {$26000.00}.
Consumer complaint received 2023-02-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

Dear XXXX, During Historical event of XXXX XXXX XXXX, we applied to the Forbearance payment plan with WFHM we were approved. 

After their plan end we apply for a loan modification and we were approved. 

After we send all the documents to XXXX there canceled the Loan Modificacin said that it was not signed correct. ( We did in front of the XXXX XXXX XXXX XXXX XXXX, XXXX ). 
The XXXX have been in the same offices for XXXX XXXX 

We reapply to a Loan Modification and we received a proposal to do a Short Sale. 

This is the only House we have and we live with our XXXXXXXX XXXX 

WFHM Asking as to pay the full amount at one ( LUMP-SUP PAYMENT ).

Again WFHM is trying to do ilegal activities.

This info is from CFPB home page. 

Forbearance ends with a payment plan, not a lump-sum payment Homeowners who receive XXXX  hardship forbearance are not required to repay their paused payments in a lump sum once the forbearance period ends. You can talk with your mortgage servicer, or start with a XXXX XXXX XXXX agency , to discuss a repayment plan that works for your situation.
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. (CT)

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 XXXXXXXX Account Number : XXXX and list of Inquiries XXXX 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 2017-08-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ALL WESTERN MORTGAGE (NV)

I am not the actual borrower. I am a loan officer at another company. I have had many customers come to me very confused about the mortgage application process. These customers have come from a different company, Specifically All Western Mortgage. These customers had been dealing with a " loan consultant '' that was actually a former loan officer whose license was taken away by the court. Not only was this loan consultant discussing all aspects of the loans, exactly functioning as a licensed loan officer, He also was requiring {$800.00} upfront to begin the loan process. Ostensibly the {$800.00} was to lock the rate on the loan, however the customers had n't even picked out a house, much less had a sales contract. Just how many people this company has ripped off i ca n't say, but I have had more than one customer tell me their stories about them. It is a shame that they are still allowed to do business.
Consumer complaint received 2023-02-02
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo is in violation of the court order and stipuation agreement signed XXXX22 identified as XXXX 

Wells Fargo refused to offer the restorative orders of the court and failed to take steps after acknowledging that they took " proactice business decisions '' and extending the forbearance without borrowers knowledge and a a result denied a modification request under the XXXX XXXX XXXX under the VA loan progrom for mitigation. Wells fargo failed to offer and present options for home preservation at the end of the inital 3 month forbearance period and every period of extension therafter. 

These actions are directly in line with the reason why the CFPB fined and imposed penalties and restorative order and stipulation agreement against Wells Fargo in the first place. I have been denied a modification based on an illegal forebearance and breach of contract and breach of good faith by Wells Fargo. There is also a pending class actions before the courts for this same action of illegal business practices violating consumer and finance law which stems from the illegal business practices of automatically extending forebearances without the borrowers conscent or knowledge. 

I reached of the XXXX at the mediation line who told me there was no process to further evaluate claims for restitution under the referenced CFPB order and stipulation. XXXX further referenced me to the executive office who I have filed XXXX case files to investigate the illegal practrices of forbearance and loan modicfication denials which is specifically stated in the order as being affected. 

Wells Fargo has failed to put a system in place to identify those affected by the illegal practices identified and agree in the order. Wells fargo ( customer agent in the mediation department to identify those affected ) told me to " had to take other calls '' when I asked to research and investigate and conference with the executive office. I had both the executive office and the mediation person on the phone line established for the pupose of the CFPB order and XXXX refused to conference and investigate the nature of the request for restitution as stated in the order. 

The request for resitution under the CFPB order was also brought to the executive office many times who had no knowledge of the CFPB Order. They subsequented closed all the cases and deemed the case " resolved '' I am requesting that the CFPB investigate Wells Fargo for failure to comply with the Court Order and Stipulation agreement dated XXXX XXXX 2022 and attached hereto.