davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-06
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (FL)

We purchased our home in XXXX XXXX. Purchase price was $ XXXX. We were persuaded to use a XXXX interest only loan from our mortgage broker with Wachovia Bank ( now Wells Fargo ). The interest only loan is at a rate of 7.125 % ( Balance as of XXXX XXXX {$260000.00} ) and the home equity loan is at a rate of 9.34 % ( Balance as of XXXX XXXX {$61000.00} ). We have reached out to Wells Fargo several times in the last couple years to refinance and was told that since our home is underwater they could not help. In XXXX XXXX we had a baby girl and around the same time my husbands career permanently changed and caused a reduction of monthly gross income of $ XXXX per month. During that time we used up all assets including liquidating my IRA to cover monthly expenses. In XXXX XXXX we reached out to Wells Fargo seeking assistance to modify our home loans. 

At this point we 've asked them to combine both loans into XXXX new 30 year mortgage that we can afford and keep our home.
Consumer complaint received 2016-03-23
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

This property is within a Planned Unit Development and is a member of a homeowners association. The owner abandoned this property shortly after the bank filed a foreclosure complaint on XXXX/XXXX/2009. The house has been sitting vacant for over 5 years and has fallen into serious disrepair. The bank is not maintaining the property, and the association assessments are not being paid. The failure to pay the HOA assessments places an unfair financial burden on the other owners in the community because the association 's expenses must be paid regardless of the delinquency. The bank 's failure to maintain the property affects the values of the surrounding properties. Neighbors have reported seeing rodents go in and out of the house through a hole in the wall, causing health concerns. By delaying the foreclosure process the bank has allowed the value of the property to decline, has caused an unfair financial burden on the other owners, and has caused health and safety concerns for the neighbors.
Consumer complaint received 2015-07-06
Product: Credit card — 
Issue: Other — 
Company: WELLS FARGO & COMPANY (LA)

I was billed a late fee and subsequently charged XXXX the minimum monthly payment for XXXX XXXX billing period. The payment in the amount of {$35.00} was made on XXXX XXXX ( in advance of the due date XXXX XXXX with confirmation ). I contacted Dillard 's Credit card, was transferred and put on hold for about XXXX minutes. I spoke with XXXX id # XXXX as well as XXXX ( Supervisor of Collections ) to remove the late fee, any additional finance charges and to correct the current minimum payment due as I was trying to make payment, XXXX XXXX. XXXX advised me that they would remove the late fee but as a XXXX courtesy but the double payment of {$79.00} is still due. I asked for her manager and XXXX refused stating she would not transfer the call further. She advised her manager 's name was XXXX and would not give her nor his last name to reference. I was told the office was located in XXXX XXXX XXXX, Iowa. Both XXXX and XXXX were very rude and condescending and basically stated that I should not have paid in advance and nothing would be done otherwise. I am being penalized for making a payment earlier than the due date.
Consumer complaint received 2015-04-24
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: AMERICAN EXPRESS COMPANY (GA)

On XXXX XXXX 2015 about XXXX est time, I called American Express too see when my reward card was going to shipped when speaking with a rep. I was informed my card was being sent too the wrong address, he stated he was going too have the shipping expedited and i should receive my cards within XXXX buisness days. I called XXXX times and spoke with XXXX different reps and was old XXXX buisness days. Today ( XXXX/XXXX/2015 ) I called in too see if the cards had be sent out and i was told by one rep that i would have too wait XXXX buisness days. I ask too speak too his manager because that wasnt what I was told. His rep which was a lady got on the line and told me XXXX buisness days I was upset because thats not what the prev rep told me and asked too speak with a different manager. A man named XXXX got on the line and was being extremenly rude and i figured out that he wasnt a actually manager. He got his manager XXXX who didnt help me at all. This is HORRIBLE I NEVER BEEN THROUGH A EXPERIENCE IN MY LIFE!!! I WOULD NEVER OPEN A ACCOUNT WITH AMERICAN EXPRESS IN MY LIFE!!! I SPENT ALMOST XXXX HOURS ON THE PHONE WITH NO RESOULTION AT ALL!
Consumer complaint received 2024-09-16
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)

This report is against XXXX CREDIT REPORTING AGENCY back in XX/XX/XXXX i noticed a negative reported account from XXXX XXXX XXXX XXXX as a charge off that said i opened an account with them back in XX/XX/XXXX and that it closed with a negative balance in XXXX. i filed a dIspute claiming identity theft with all three OF THE MAJOR REPORTING AGENCIES, XXXX, equfax, and XXXX XXXX. i first submitted an identity theft report with my local police department, then with the CFPB. I included the identity theft reports, a letter stating i had no knowledge of this account, i in no way benefited or received any compensation in any way from the account, and i demanding they block the information within 4 business days, i also submitted proof of identity, proof of address, and a copy of my credit report identifying the incorrect data. only XXXX XXXX blocked the negative information. i contacted the credit union, they sent me the application and the proof of identity the person used to open the account. it was clear that the person in the id was in no way me. all they had to do was compare the driver license i submitted to prove my identity, with the identity that the person used to open the account in my name and it is obvious its not me. XXXX XXXX obviously did this simple investigation, as they removed the negative derogatory info immediately from my credit file. XXXX did not.
Consumer complaint received 2024-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION (FL)

Hello, I hope youre doing well. Im reaching out regarding the {$400.00} promotion tied to the checking account I opened with Truist Bank. While I successfully met the direct deposit requirement with multiple deposits exceeding {$500.00}, Ive been informed that I did not meet the 15 debit transaction requirement within the 90-day period. 

The main issue is that my debit card did not arrive until XXXX XXXXwell over 80 days after the account was opened. I never received the card, and it never showed up on USPS Informed Delivery, nor did it arrive in my mailbox. Once I finally received the card, I immediately made the 15 required debit transactions, ensuring they were completed well within the remaining timeframe. 

Although I understand Truists records indicate that I did not meet the qualifications, I strongly believe this situation arose due to the excessive delay in receiving my debit card, which was beyond my control. After trying to resolve this for over a month and a half, I continue to receive the same response, which has been very frustrating. I believe Truist should take responsibility for the delay and honor the promotion. 

I would greatly appreciate any assistance or direction on how to resolve this issue. I know this isnt directly your fault, but Ive been directed to you for further help, and Im hoping we can resolve this together.

I will continue to pursue the matter with the until its addressed. However, Im hopeful we can find a solution without needing to escalate further. 

Thank you for your time and understanding. I look forward to hearing from you. 

Best regards
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX INQUIRIES : 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 Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2024-08-14
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. (NJ)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




UNAUTHORIZED INQUIRIES : Experian 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  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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (SC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

PLEASE REMOVE ALL ACCOUNTS. THE FOLLOWING ACCOUNTS ARE INACCURATE, UNVERIFIABLE INFORMATION ON MY CREDIT REPORT UNDER MY RIGHTS PROVIDED BY THE FAIR CREDIT REPORTING ACT ( 15 U.S. Code 1681 ). I RECENTLY OBTAINED A COPY OF MY CREDIT REPORT AND FOUND THAT CERTAIN ACCOUNT ( S ) LISTED ARE NOT MINE AND SHOULD BE REMOVED IMMEDIATELY. I WANT THESE ACCOUNTS LISTED THAT AREN'T MINE REMOVED IMMEDIATELY. 


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 2024-08-30
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: EQUIFAX, INC. (MI)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-08-14
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. (CA)

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. Depending solely on your flawed XXXX  system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the XXXX system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

They are reporting dates late of XX/XX/XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX. And I wasn't late at all.. I have provided proof of payments via bank statements and yes I have paid on 28-29 days but never OVER OR ON 30 days. However they tried reporting as such.

Balance is incorrect also
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I always make my payments on time. I'm confident about that. What confuses me is why this company is marking me as late on some months when that shouldn't happen. According to USC 1666b, any billing mistakes should be fixed and marked as paid on time.
Consumer complaint received 2024-08-14
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. (GA)

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

Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX and list of Inquiries. 

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 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX Balance : {$0.00} XXXX XX/XX/year>
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2016-02-23
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: First Recovery Solutions, Inc. (NJ)

On XXXX/XXXX/XXXX, a robocall was left on my voicemail - stating that there was a message for xx and given claim # XXXX. I returned the call. I was told I was in Breach of Contract for a payday loan taken out on XXXX/XXXX/XXXX from XXXX XXXX, and I owed {$500.00}. When I asked for a mailing address for the debtor, I was told they could not provide that for their own security. They said they could email me information only. They provided a fax XXXX Attn : Arbitration. They stated that if I did not pay on the debt via credit card, would go to jail and I better get a " good lawyer. '' They had my last XXXX of my social. They are leaving these messages on my cell phone and sister, husband, mother and brothers phone. They do not have a legitimate company -- internet research is showing this is a scammer number. I do not have any outstanding payday loans - nor have I taken any payday loans in XX/XX/XXXX. These company is operating as a bogus debt collector and will only accept payment via electronic means. They will not provide a mailing address. I have called multiple times and they yell, threaten with jail time and that they will see me in court, and then hang up. They will not give you any verification of alleged debt, will not provide you anything via mail
Consumer complaint received 2015-04-23
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Pinnacle Asset Management, LLC (FL)

Called my mother saying they are a deputy, I am under investigation, as well as disclosing this to a co-worker of mine. My co -worker informed me someone named " XXXX XXXX XXXX called and said he must speak to me because I am under investigation. No legal, unprofessional and threatening. Calling my employer daily which needs to stop and I told them this also.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX RE : Last 4 SSN : XXXX To Whom It May Concern, This letter is a follow-up to my original letter dated ( XX/XX/XXXX ) regarding the accuracy of your credit reporting. Specifically, as it relates to credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXXXXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) I did not authorize anyone employed by these companies to inquire and view my credit report. This violates the Fair Credit Reporting Act Section 1681 b ( c ) and is a serious breach of my privacy rights. 
I am making this final goodwill gesture to allow you to correct your erroneous reporting. I am maintaining a careful record of my communications with you to file a complaint with the Attorney General 's office and CFPB, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX ; XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 
Failure to respond satisfactorily within 30 days of receipt of this letter, may result in a small claims action against your company, seeking {$1000.00} per violation for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violations of the Fair Credit Reporting Act