davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (VA)

With all do respect and to whom it may concern. From XX/XX/XXXX until XX/XX/XXXX. Our mortagage carrier was Wells Fargo Home Mortgage. In XXXX of XXXX we were giving an opportunity for a loan modification. We submitted a initial payment of {$910.00} via United States Postal Service XXXX for the loan modification. Wells Fargo Home Mortgage informed us that they never received the {$910.00} payment. We returned to the post office and had a search done. We found out that the {$910.00} payment had been received by a Wells Fargo Mortgage representative on time. We received a letter from Wells Fargo Mortgage stating the agreement was denied because we didn't make the payment on time. The denial resulted in foreclosure proceedings. Which caused XXXX, XXXX and XXXX XXXX. Enclosed are several documents supporting our claims. Many of the documents we received from Wells Fargo Mortgage Department had conflicting due dates. We are submitting our information for review and cash settlement. We want compensation for mental stress and suffering caused by Wells Fargo Home Mortgage. We have recently communicated to Wells Fargo Mortgage through a series of letters and emails we have submitted to The Attorney General 's Office beginning in XX/XX/XXXX. The Attorney General 's Office relayed information to and from Wells Fargo Home Mortgage. Wells Fargo Home Mortgage only then finally admitted to depositing our payment of {$910.00} and did not give our account the credit. For compensation for mishandling our {$910.00} payment in XXXX Wells Fargo Home Mortgage tried to issue us a check for {$910.00} in XXXX. We did not agree to this amount but Wells Fargo Home Mortgage tried to issue us the check and close the case. My family and I have suffered a tremendous hardship and mental stress from being homeless. I lost my job and my vehicle and we are still suffering today. Because of the foreclosure our credit score was and is still effected. We our desperately struggling to get our credit and life back on track. 
We thank you for your time. 

Respectfully
Consumer complaint received 2023-06-27
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: CITIBANK, N.A. (CA)

I finally received an insurance check from a car accident from From XXXX XXXX and it is a Citibank issued check. 
I called and spoke with a local Citibank branch ( XXXX XXXX, CA ph # : XXXX ) on Monday at XXXX XXXX today and spoke with a very rude person. I wanted to inquire if I could cash a check issued by Citibank and he stated no, despite the check issuer being Citibank. When I asked him the reason he rudely answered but was using terms I was unfamiliar with which led to me asking additional questions in which he became rude and upset stating Im not going to argue with you. I was shocked on how he said it because my intention was not to argue nor did I expect him to become upset. I did not expect such hostility for asking questions or clarifications. I thought I would have no issues cashing a check at a branch in which the check was written by the financial institution.
Consumer complaint received 2023-06-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (TN)

I closed my account out with XXXX  and was told to pay the final bill. I paid the full amount and the account was closed. A month later, I was notified that there was a new statement after the account had been closed. 

I went to login but could not because I had my number with XXXX now and couldnt verify a code to login. Later I received a notice on my credit report that this amount was sent to collections. 

I called the collections agency, they said I would have to talk to the creditor to get some kind of resolution letter. I talked to XXXX and they said they would take care of it that the bill was a pro-rate that happened after I had closed the account and I couldnt login to even know to call them. 

The entry was under another collections agency, but they REMOVED IT OFF OF MY REPORT. 

Now today on XX/XX/2023 it has shown up under CREDIT RESOURCE MANAGEMENT AND KNOCKED MY PERFECT CREDIT DOWN XXXX POINTS!!! I reached out to the company but they didn't offer any help. 

This is not fair. I paid that account off and closed it!!! I don't owe them anything!!!! 


Your payment summary The payment you have made for XXXX XXXX phone number/ Account Number XXXX is complete. 

Here are the details : I believe this is my payment information. I can not get and could not get into the account so I dont know. 


Payment Amount : {$150.00} Payment Method : XXXX ending in XXXX Reference Number : XXXX Account information and activity can be accessed on the XXXX XXXX app or at XXXX XXXX. XXXX XXXX for Business customers can access account information at XXXX XXXX.
Consumer complaint received 2019-03-14
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (IL)

I paid off my XXXX 's credit on time. One month later i received a bill with finance charge and late fee. I contacted the comenity bank and told then my account is paid off, they told me apparently i was 5 minutes late in payment and XXXX 's who filed for bankruptcy refused to reverse or remove any late fee. XXXX 's was collecting money on late fees even when the account was paid off. Its been 1.5 years, they have been slamming me with late fees and finance charges. I contacted all the credit bureaus, they did absolutely nothing.
Consumer complaint received 2023-06-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 2023-06-27
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Mercedes Benz Financial Services (IL)

On XX/XX/22 I spoke with a salesman by the name of XXXX XXXX we discussed a car I seen On the internet. I let XXXX know I was interested and that I was a out of state customer, I let him know that the Mercedes dealer ship in my home town was asking of a down payment of XXXX and I wasnt paying a large amount. XXXX ran my credit did all the numbers and credit pull and call me back and let me know that I was tier XXXX with Mercedes Finiancal if I give XXXX down payment I can lease the car for as little as XXXX  monthly I agreed and a link was sent to my phone to sign all contracts and documents. XXXX and I set discuss a time to get car ship. Fast forward to XX/XX/22 I still wasnt able to get plates or registration to even drive the car I reach out to XXXX who was dodging me and never was available, I than spoke with multiple people and finally I was in contact with a lady by the name of XXXX XXXX she went in and re wrote my contract push me to tier XXXX in up my credit monthly payment from XXXX  monthly to XXXX I believe ( I have supporting documents ) imagine this is almost a month later Im sure my credit have change at time she did this Im asking for this contract to be cancel return my deposit this is for sure fraud and against the law. Im seeking out legal help
Consumer complaint received 2019-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I have a loan with CAPITAL ONE BANK USA N. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX and CAPITAL ONE BANK USA N with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2023-06-27
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. (NJ)

I called your department after I purchased a credit report with XXXX XXXX  on XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that this was COLLECTION account on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud account on my credit report all this time just today I has a charge off that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these account listed below, so please help me remove this collection, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THIS FRAUDULENT ITEM : XXXX XXXX XXXX ( Original Creditor:XXXX XXXX ) XXXX 

Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau , and the XXXX XXXX XXXX . Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and current Utility Bill as verification of my ONLY address.
Consumer complaint received 2023-06-25
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. (IL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-06-27
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)

Dear. CFPB My name is XXXX XXXX. 
XXXX s. XXXX XXXX # XXXX XXXX XXXX, CA XXXX It show incorrect inquiry on my credit reports. 
Please remove list on my credit reports ASAP. 


XX/XX/2023 XXXX XXXX  XXXX - XXXX Loan Inquiry Alert from : Experian XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX from : Experian XX/XX/2023 XXXX XXXX  XXXX - XXXX Loan Inquiry Alert from : Experian XX/XX/2023 XXXX XXXX  XXXX - Auto Loan Inquiry Alert from : Experian XX/XX/2023 XXXX XXXX  XXXX - Auto Loan Inquiry Alert from : Experian
Consumer complaint received 2023-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I submitted a complaint with CFPB regarding this issue and the response from the CapitalOne did not address the purpose of my complaint. I need the company to articulate the reason why the request for a credit increase was declined. It directed me to the same link in the initial letter. The letter to stated there was a further explanation for the decline supplied on a supplemental page however no further context for this specific reason was listed on the supplemental page. When I called CapitalOne to inquire for the reason of the decline the agent said they could not help me and directed to refer back to the letter for guidance. This has created a circle with no accountability or recourse for someone who has been a good customer for several years. I am making a simple request and I don't understand why there is no information or transparency. I feel the decision was determined using discriminatory criteria.
Consumer complaint received 2023-06-27
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. (NJ)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2023-06-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts 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 following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX  XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX  XXXX XXXX Balance : {$2600.00}
Consumer complaint received 2023-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I ordered my annual credit reports in XX/XX/XXXX, and it says its over 110 pages long with several unauthorized credit inquiries and hundreds of addresses. Standardly my report is 4 pages. 

I wasnt able to get my XXXX report. 

I also did not receive monetary damages from the class action suit against XXXX for data breach and improper access of my credit information beginning XXXX forward violating the Permissible Purpose Law Code 15USC Code 16816. 

I have mental health problems and will need help sorting out these many many pages of data.
Consumer complaint received 2023-06-27
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: BMW Financial Services NA, LLC (MI)

BMW has violated my consumer rights. 

Under 15 USC 1681 a ( 2 ) ( A ) ( i ) late payments are transactions and transactions are excluded from a consumer report. This company has discloused payment history to a third party which is XXXX and XXXX and I never gave consent to BMW Financial to disclose any of our transactions to a third party. They continue to violate my consumer rights and break the law according to the FCRA THIS IS ILLEGAL! This has caused XXXX and I have considered taking my life because BMW has caused me great distress in disclosing my transactions illegally to these third parties! Please enforce them to abide by the law that protects my consumer rights. 

THE LAW -- -- -> UNDER 15 US CODE 1681 A ( 2 ) ( B ) Exclusions from a consumer Report this account is in violation any credit transaction supposed to be excluded from a consumer report, if a social security card was used in the transaction.
Consumer complaint received 2023-06-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX SS XXXX Balance : {$2400.00}
Consumer complaint received 2019-08-16
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)

The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap : XXXX XXXX, XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX and XXXX XXXX
Consumer complaint received 2023-06-27
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: EQUIFAX, INC. (NY)

This is a formal complaint to inform you that the account listed below is reporting erroneously & is inaccurate. The furnisher is reporting this account inaccurately. They informed me they had an internal issue & posted me past due. Please investigate this account & please update the account to a positive status of closed/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LCI Acquisition Inc. (TX)

Recently I found an incorrect Bankruptcy record reporting on my credit file. I filed a dispute in writing and went a step further and contacted the Bankruptcy court of record in an attempt to sort out this error. I was referred by the clerks to the XXXX XXXX XXXX XXXX for XXXX XXXX XXXX for XXXX XXXX, whom I contacted several weeks ago. Last week I received a letter from your firm informing me that the Bankruptcy information was verified. Now, Today I received a call from an XXXX in the XXXX XXXX XXXX XXXX, who informs me that the information YOU have verified as accurate was INCORRECT. 
Based on the information provided by the investigator it appears that YOUR firm never contacted the Bankruptcy court, never verified or validated the information disputed and is in violation of the FCRA. Since it now appears quite clear that your VERIFICATION is erroneous and you NEVER contacted the Bankruptcy court in the first place, I am making a direct demand under 15 U.S.C.A. 1692g ( b ), that your firm provide the following VALIDATION of information regarding HOW and WHAT you are reporting on my credit report in regards to this erroneous Bankruptcy.

Please supply the information below so that I can be fully informed : The name and address of the Court Clerks office contacted for verification.

The Phone and Fax numbers of the Individual or Department from whom you obtained this information.

Provide standard procedure for verification and validation of disputes filed under the FDCPA and FCRA.

Provide me with a COPY of the information that this Court of Record has provided to YOU in regards to this erroneous verification of the disputed Bankruptcy.

You have 5 days to acknowledge in WRITING the receipt of this 15 U.S.C.A.

1692g ( b ) dispute and 30 days to provide the information requested above.

If you can not or choose not to pursue this matter, provide me with a written notice of ITEM DELETION of the Bankruptcy Record in question within the next 14 days.
Consumer complaint received 2019-03-14
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Lendmark Financial Services (GA)

I had an account with Lendmark Financial. Upon obtaining a loan from Lendmark Financial I setup automatic payments to be deducted from my checking account. 

As of XX/XX/XXXX I was coming up to my last payment which I figured would be deducted like all other payments. That final payment wasn't deducted and I didn't realize it until XX/XX/XXXX. I went online to Lendmarkfinancial.com check the status of my account. It showed the last payment amount as late. So attempted to make a payment online. The system error popped up and advised the system wasn't available. Tried to make a payment on several occasions and got the same error. Then late XX/XX/XXXX I noticed Lendmark Financial put negative remarks on my credit report. I contacted Lendmark Financial on several occasions via email with absolutely no response.
Consumer complaint received 2023-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (FL)

You are in direct violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX has violated several of my rights. 

15 U.S.C 1681 section 802. A. Clearly states that I have the right to privacy, 15 U.S.C 1681 Section 604 A Section & : Il also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1866B : A creditor may not troat a payment on a crodit card account under an open-and consumer crodit plan as late for any purposo.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act