davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-05
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (NY)

I am writing this letter on behalf of my daughter. My daughter had gotten into a financial bind. She is XXXX and has always tried to be independent. Feeling ashamed of her situation, made the decision to seek help from her bank, Wells Fargo, instead of coming to myself for assistance. 
She has attended school part-time for the last two years to be accepted to a XXXX program. We found out in XXXX that a spot had been secured for her at XXXX XXXX University. This is the same school she attended and received a XXXX in XXXX and XXXX XXXX. She is intelligent, hardworking, and motivated. Unfortunately, she is not well educated in the world of finances or banking. I found out about her finances when I was trying to organize a budget for us when she returns to school in XXXX. 
The help that Wells Fargo gave her left her in a position that she would not be able to get out of for the rest of her life. This started when they told her she had to keep a balance of {$1500.00} in her checking account. This would be impossible for her and seems it would be quite evident by her ongoing banking with them. Wells Fargo 's help consisted of a loan at 12.25 %, a personal line of credit at 11.25 %, and a credit card that carries a 17 % on purchases and a 23.99 % on cash advances. The accounts she was signed up for also carry an annual fee of {$25.00}. She makes her minimum payments. The interest being charged every month is more than her payment. I realize she signed these agreements, but did so reluctantly. The person helping her even stated to her that she " looked uncomfortable doing this ''. She had no idea what any of the interest rates meant or of the charges that went along with cash advances. I tried going into the bank with her and was told there was nothing they could do since she signed the agreements already. However, they were willing to run her credit again to see if they could get her yet another loan. 
I went on their website and not even being a customer ( which she has been since it was owned by Wachovia ) ; I can get a credit card with a balance transfer at 0 % interest and accounts that have no annual fee. They advertise all kinds of help for students. I am wondering why she was not offered any of that help. I do n't even know of a bank that does n't offer free checking and savings accounts ( well, now I do ). 
I have now exhausted all my avenues and put my credit in an unsatisfactory light trying to get her out of this mess. She is unable to get any other financial help in terms of loans for school due to the fact her credit is now maxed out. I am appalled and beside myself that a bank would do this to someone. I feel an obligation to let every unsuspecting and unaware individual know that this financial institution is not there to help anyone, but only for their own gain.
Consumer complaint received 2023-04-30
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. (VA)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2023-04-29
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. (GA)

On XX/XX/2023, I mailed in a letter to Equifax after they received my letter on XX/XX/2023, they never responded to my certified letter to correct the incorrect personal information, accounts or addresses on my consumer report. Based on 15 USC 1681 ( a ) ( 3 ) Equifax assumed this role. Equifax were not given express permission by me, the consumer, or competent court jurisdiction. So not only did they fail in the initial investigation of the accounts I include in the letter. Equifax assumed these accounts were valid. Which is a violation of my consumer rights. Equifax did not ensure that these accounts, addresses or personal information were accurate, and they did not exercise their grave responsibility with fairness and impartiality. They took one side of the story and never consulted with me to find out if these accounts, addresses or personal information were true and accurate. As a result of this my privacy was breached and my right to privacy was violated.
Consumer complaint received 2023-04-29
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. (PA)

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 : Dept of EdXXXX XXXX Account name : # XXXX ; XXXX ( XXXX ) Account name : XXXX XXXX XXXX Account name : # XXXX, Account name : US Bankruptcy Court XXXX Account # XXXX ( Experian ), Account name : US Bankruptcy Court 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 an 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 2015-09-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (MD)

I have been contacted by XXXX XXXX XXXX XXXX. I have researched this company and it appears they are attempting to defraud people. I settled this account with Diversified XXXX in XXXX. I have attached the settlement letter and proof of payment. I have heard about collectors who take information from their companies and set up dummy companies to try to steal money. 

All my research online says that this company is bogus and operates overseas. They take the forgiven balance from settlements and try to bilk money out of those customers. This may be happening to XXXX of Diversified Consultant customer.
Consumer complaint received 2024-10-17
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. (PA)

I was stunned when I saw incorrect accounts on my credit report today, with no explanation as to why. I check my report frequently, and everything had always been fine until now. I refreshed my browser, thinking it might be a mistake, but the errors remained. Im requesting that my submitted documents be carefully examined so I dont have to deal with this stress ever again.
Consumer complaint received 2023-04-29
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. (GA)

This is in reference to complaint submitted to the CFPB : XXXX. This company has failed to provide specific documents and is still within violation of the federal law that governs them as a debt collector. As a natural living person and consumer I am writing in regards to the alleged debt associated with XXXX XXXX account number ending in : XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide evidence of a forward flow agreement between your agency and the original creditor, and not merely a bill of sale, to establish the validity and legality of the debt in question. This includes documentation that clearly demonstrates that I have knowingly and willingly entered into a contractual agreement with your agency, outlining the terms and conditions of the debt. I have sent multiple complaints about this company violation of federal law. This company is complicit at this point in the federal law that governs and regulate them. They responded with false documents and did not provide proper proof per the law and regulations. As per the Uniform Commercial Code ( UCC ), a credit card is not a negotiable instrument that can be used to collect on a debt. Furthermore, the charge-off of a debt is considered income and reporting it as a debt is a violation of the FDCPA. I am also aware if there is a 1099-C for this alleged debt, it will be illegal for you to continue collecting on it. Therefore, I demand that you delete the account from my credit report and cease all collection efforts immediately. Please provide documentation to confirm that you have ceased all collection efforts and have deleted the account from my credit report. Please note that any failure to comply with this request may result in legal action being taken against your agency. Thank you for your attention to this matter.
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. (TX)

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX UNAUTHRORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-04-29
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I disputed many times to verify a capital 1 account that is seriously doing damage to my credit profile.The capital 1 account ending in XXXX was opened in XXXX which is 8 years ago, The date of first delinquency is HIGHLY important because the report would have been deleted from my credit profile if that date is before XX/XX/XXXX. I asked the capital 1 to provide me with proof of payment detail but they continue to update unverified and inaccurate information that does not support my claim and ignore what Im actually disputing. Proof of inaccuracies are the last payment date showing as XX/XX/XXXX but pic of payment summary shows account is 90 late on that date.
Consumer complaint received 2023-04-29
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX, XXXX Account # 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
Consumer complaint received 2023-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY (CA)

On XX/XX/XXXX I called the Nordstrom credit card to complain about the unauthorized charged in my account. the charged was on XX/XX/XXXX. the amount of {$680.00}. 
they said they will investigate the matter. 
and today they send me the letter says that closed the investigation because they 'attempted to call me several times but haven't been successful to have some more information. 
I having XXXX XXXX so I'm in pains and want to rest all the time, so I don't answer calls or anything. But, at least they post the massage on my account in their website, because I checked the message box in my account I did not see any message. Or at least send me a letter.

One more thing. when I called and first they said the couldn't go back that far.

because I'm sick so I did not pay attention with my bill, I just pay the amount. And now I transfer the balance to another card that why I review and see the matter. 
that's why it's happened in XX/XX/XXXX but I just disputed it now. 
I would like to Reopen the investigation of this matter.
Consumer complaint received 2024-10-17
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. (NY)

I appreciate your assistance in removing a section of my credit file related to fraudulent activity. There are still items that should be deleted. Under FCRA Section 605, you are required to remove any inaccurate records. I have already included this documentation in a previous letter, and I am resubmitting it for your reference. My attorney is aware of my intentions, and they are prepared to hold you accountable for continued non-compliance. 
XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$390.00} XXXX  XXXX XXXX Balance : {$900.00} XXXX  XXXX XXXX Balance : {$440.00} XXXX  XXXX XXXX Balance : {$580.00} XXXX  XXXX XXXX Balance : {$83.00} XXXX  XXXX XXXX Balance : {$110.00} XXXX  XXXX XXXX Balance : {$610.00} XXXX  XXXX XXXX Balance : {$820.00} XXXX  XXXX XXXX Balance : {$210.00} XXXX  XXXX XXXX Balance : {$270.00} XXXX  XXXX XXXX Balance : {$130.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$590.00} XXXX  XXXX XXXX Balance : {$1400.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$270.00} XXXX  XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$3600.00}
Consumer complaint received 2023-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (MS)

CHASE RESTRICTED MY CHECKING ACCT. ENDING IN XXXX ON XX/XX/ without notice, explanation, violation of Prvacy Act, by branch officer by forcing military type " drilling '' tactics on a vulnerable Mississippian forcing me to leave without filing a claim or looking into accounts activity. I've had NO cash since XX/XX/XXXX making me physically sick which is documented. Since i have not had access I don't know what or what has not been done, what's been hacked,? I know Chase will do nothing! They treated me as if I was the Hackers doing this to myself. IAccussing me of giving my password to Hackers when i told him repeatedly that i DID NOT. GIVE ANYTHING TO ANYONE! 
got a copy of these bogus checks that are comical that anyone would spent anytime on them at all! Chase thinks that I " running some kind of check fraud scam I guess! l. See camera footage. 
IM A VICTIM I'M NOT HACKERS ON DARK WEB!!! 
AS OF YESTERDAY, MY SSA HAS BEEN HACKED & DIRECT DEPOSIT CHANGED TO GO TO HACKERS ON XX/XX/XXXX. ALL THANKS TO CHASE NOT BEING TRANSPARENT WITH ME SO I COULD PROTECT WHAT LITTLE I HAVE LEFT. Chase is working with the Hackers not the victims or consumers! 
Discrimination on the Vulnerable because I live pay check to pay check or because I wear a metal leg to walk with or a came ... doesn't make me any different then anyone else. Why treat me differently?
Consumer complaint received 2023-04-29
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. (MS)

I am resubmitting this dispute. I have contacted this bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I am verifying that this is me who is disputing these fraudulent items. I need this removed asap.
Consumer complaint received 2023-04-29
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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
Consumer complaint received 2023-04-29
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. (DE)

To whom this may concern, I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect. You are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 30 days. I know that you have up to thirty days to meet my requirements. If I do not receive any updates from you during this period, I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that you incorrectly reported and should be deleted immediately. 

Please delete the following inaccurate names : List of misspelled or inaccurate names : 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 Please delete the following inaccurate addresses : XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) : for a consumer reporting agency may furnish a consumer report under the following circumstance and no other ; in accordance with the written instructions to the consumer to whom it relates.

CREDIT REPORTING AGENCY NAME has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, or written instructions to do so. These actions have caused my family and me a great deal of injury.

Furthermore, I am filing this consumer complaint and consumer check for compliance with these particular items that you are reporting under FACTA Title 1 sec. 151.

I have enclosed copies of my state-issued identification and social security number to validate my identity.
Consumer complaint received 2024-11-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted three disputes with XXXX XXXX which is refusing to remove the bankruptcy from my credit after providing documentation that XXXX does not verify information. 

XX/XX/year> XX/XX/year> XX/XX/year> 2024
Consumer complaint received 2015-10-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (OH)

My husband and I reach out to our servicer when we received a notice of garnishment in the XX/XX/XXXX. We ask for a temporary forbearance and to pay interest only payments until the garnishment was completed. We were immediately denied a special forbearance, and was encourage to apply for a loan modification. Since XX/XX/XXXX we had apply & denied XXXX times and requested an appeal on the last then was denied on appeal. The reason for denied make no sense. The XXXX denial was because we did not make enough income then the XXXX time we made too much. The XXXX time we was told that our expenses were within program guideline and was restated in the appeal process. At every point of communication the representative or the negotiator would encourage us to perform short sale. We did our research and ask for a Harp option and was told we do n't quality for this program. We find out later that this servicer does not participate in the harp program. We believe that the servicer along with the investor have not intention on helping us reinstate our loan. Example at every point of contact, the servicer has stated that the order to dismiss the foreclosure was sent to the lender 's attorney on XX/XX/XXXX. The lender 's attorney has denied receiving a notice at the XXXX 's hearing to dismiss the foreclosure. When we asked the attorney if he contacted ASC or the contact the negotiator with the information we filed in court records ; he stated no. We believe that the servicer agreement with the investor entitle the servicer to retain all late fees and fee require to mitigate the investor 's loss. We believe part of the fees that the servicer retains is link to the XXXX failed loan modification. If the servicer receives any compensation from the government for processing the loan modifications then it may be a conflict of interest. Base on our failed attempts, we believe the servicer and investor had misrepresented their intents and have conspired to abuse the government home retention program as well as mortgage insurance program. We ask CFPB to step and investigate first if the servicer acted in good faith and to see if they have a similar pattern with other failed loans. Time is at an essence, we go back to court this month to determine if the lender with be granted a judgment. Do to the servicer willingness to help us before we defaulted, our credit is bad and we will be unable to get a new loan. Our goal is to keep our home. Please step in.