davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

I recently requested all 3 of my credit reports from XXXX, however, due to internet failure, phone drop, or whatever it was I couldn't get my XXXX report.Upon going over and comparing reports I found that alot of information is being reported illegally, inaccurate, and non-compliant with false information about me.The accounts in reference are as follows : Balance XXXX, XXXX reports date opened XX/XX/XXXX, yet comes at the end and says it was opened XX/XX/XXXX, then it says last payment XX/XX/XXXX when on pay chart last payment was infact XXXX lacks critical information and reporting according to CDIA Metro 2 compliance regulations. Next account : Is valued {$600.00} which violates majorly when my information was obtained without consent and no lawful proof of debt, same with account owing {$290.00}, its listed as being for another company, then it says the account was opened XX/XX/XXXX, delinquency first reported XX/XX/XXXX, no lawful debt or original papers.Everytime I dispute something thru XXXX it comes back verified without any type of explanation as to how, who did you talk to, did you validate original paperwork..nothing, just it's verified.This misfortune has cost me loans in time of need, housing, credit cards with good APR along with alot of other stuff.Under fair credit reporting at, section 611 ( 5 ) ( A ) I ask that all information that is inaccurate, incomplete, or which can not be verified be removed immediately..Thank you..
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I recently requested all 3 of my credit reports from XXXX, however, due to internet failure, phone drop, or whatever it was I couldn't get my Transunion report.Upon going over and comparing reports I found that alot of information is being reported illegally, inaccurate, and non-compliant with false information about me.The accounts in reference are as follows : Balance XXXX, XXXX reports date opened XX/XX/XXXX, yet comes at the end and says it was opened XX/XX/XXXX, then it says last payment XX/XX/XXXX when on pay chart last payment was infact XXXXt lacks critical information and reporting according to CDIA Metro 2 compliance regulations. Next account : Is valued {$600.00} which violates majorly when my information was obtained without consent and no lawful proof of debt, same with account owing {$290.00}, its listed as being for another company, then it says the account was opened XX/XX/XXXX, delinquency first reported XX/XX/XXXX, no lawful debt or original papers.Everytime I dispute something thru XXXX it comes back verified without any type of explanation as to how, who did you talk to, did you validate original paperwork..nothing, just it's verified.This misfortune has cost me loans in time of need, housing, credit cards with good APR along with alot of other stuff.Under fair credit reporting at, section 611 ( 5 ) ( A ) I ask that all information that is inaccurate, incomplete, or which can not be verified be removed immediately..Thank you..
Consumer complaint received 2023-04-21
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. (HI)

According to the Fair Credit Reporting act these accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 

XXXX. XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have 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 consumerreporting agency can not furnish a account withoutmy written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reportingagency may make any consumer report containing any of thefollowing items of information Any other adverse item ofinformation, other than records of convictions of crimes which use to antedates the report by more than seven years.

15 U.S.C. 1681S-2 ( A ) ( 1 ) A person shall not furnish anyinformation relating to a consumer to any consumer reportingagency if the person knows or has reasonable cause to believe that the information is accurate.
Consumer complaint received 2023-04-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

I have been getting assistance from the homeowner assistance fund since XX/XX/XXXX. I had a forebarence that ended XX/XX/XXXX. The assistance has been sending XXXX XXXX  monthly since XX/XX/XXXX. My mortgage went up on XX/XX/XXXX. 

Here is my issue : The mortgage went up around {$500.00}. I cant get them to take all the money thats been sent to cover the payments. They keep using the assistance as coverage for fees, escrow deposits, and or additional principal. 

I want all the money sent in from the homeowners assistance fund taken to cover XXXX, XXXX, and XXXX payments. There is enough to cover all 3 payments. I want my credit bureau reporting updated to paid on time. I also dont want to go through this anymore. Starting in XXXX I will have to send the additional to the {$1100.00} for the mortgage increase. I hope they can add my payment to the assistance without me calling every month. 

I have called many times for this and even sent them an email on XX/XX/XXXX to which I never got a reply.
Consumer complaint received 2023-04-19
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (CA)

HITo file a complaint against Wells Fargo Bank, ANNUAL XXXX WITH WITH FARGO BANK AND MY CASE REVIWING HER NAME IS XXXX  SHE CLOSE MY ACOUNT BY MISTAKE BECAUSE SHE SNT ME WRONG APPLACATIONS AND I RECIVED SHE REMOVED THE HOLD ON MY ACCOUNTS AND THE ACCOUNTS BUT ONLY CHECKING BAck active and saving closed account XXXX, Case number : XXXX Wells Fargo employees involved in my case.is XXXX and i calle dher supervisor many times and i left voice massages and i dont recived call back form any of them i hope to help me to get my money back above XXXX  XXXXand reopen my account taken acutions to resolve the problem here some of the emiles i had complaint to wellsfargo branch and call center and resolution team all promisted to fix the issued but nothing happened here few emails We received your concerns XXXX XX/XX/XXXX, XXXX to me Title : Wells Fargo logo - Description : Wells Fargo logo Case number : XXXX Account number ending in : XXXX Dear XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for sharing your concerns with us. We know this needs our attention, and were looking into it for you. 

Whats next Well respond within 10 business days from the date you contacted us. If we need more time to research and respond to you, well let you know. 

Were here to help We appreciate the time and effort you took to contact us. If you have questions, please contact us at XXXX. Were ready to help you Monday through Friday from XXXX XXXX XXXX XXXX XXXX Central Time. We accept telecommunications relay service calls. 



Sincerely, Small Business Resolution Team For security reasons, please do not respond to this email with any personal or account information. 

This message may contain confidential and/or privileged information. If you are not the addressee or authorized to receive this for the addressee, you must not use, copy, disclose, or take any action based on this message or any information herein. If you have received this message in error, please advise the sender immediately by reply email and delete this message. Thank you for your cooperation. 

We may collect personal data as part of the complaint resolution process. For the categories of personal data that Wells Fargo may collect and how we use it, see the Wells Fargo California Consumer Privacy Act Notice at Collection at https : //www.wellsfargo.comXXXX. See additional Wells Fargo privacy notices at https : //www.wellsfargo.comXXXX. 

XXXX Wells Fargo Bank , N.A . 
On XX/XX/XXXX, at XXXX XXXX, XXXX wrote : I have made the request for the holds to be removed from your account and I will advise you once I have been notified of the results. 



From : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To : XXXX, XXXX XXXX Subject : Wells Fargo app cations case XXXX XXXX
Consumer complaint received 2023-04-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

When I called this number, the call just dropped. When he called me yesterday, he asked some personal information. At the end, he was asking of my bank password and I refused to give it to him. He insisted then I cancelled the call. I was checking and there's no such thing connected to the capital one. I emailed and asked for the link of their business website. I have not received any response. 

Please take note of this. I have the flyer he sent to me through email. If you want I can email it to you. 

Thank you. 

XXXX XXXX Branch Manager, Capital One Finance, TOLL FREE NUMBER XXXX ( XXXX ) XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV Dear XXXX, Thank you for your interest in capital one finance. We have received your application for the Loan and will review your materials thoroughly. 

We are highly pleased to inform you that your application for a loan of {$8000.00} has been approved by the us.Kindly Check the attached funds approved letter attached. 

I hereby request you to Kindly get in touch with us at XXXX ( XXXX ) XXXX to complete all the formalities so that the loan amount can be credited to your account.
Consumer complaint received 2023-04-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc. (PA)

Yes this collection agency EOS is collecting a debt from XXXX saying I owe XXXX I have ask numerous times to provide me With contract saying I signed for this my valid documentation where I approved to used XXXX signed contract I been receiving mail harassing telephone calls ask to cease all communication levels still no validation on this debt please remove this debt as this debt is not valid and I am a victim of identity theft and this is included on the day my identity was taken so remove this debt under the us code 1681c-2.
Consumer complaint received 2018-04-20
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (CA)

I lost my job in XX/XX/XXXX, I was able to make my payments through XX/XX/XXXX but due to the lack of funds I could not make the {$380.00} pmt in XX/XX/XXXX. I called Navient multiple times to see how I could lower my payment as I had no income coming in. The representative I spoke to directed me into a forbearance for several months until I could get back on my feet. I just spoke to a representative today, XX/XX/XXXX and she said that since I did not have a months worth of paychecks to renew my IDR I had two options : let my account go past due or go into a forbearance again. Since XX/XX/XXXX my principle loan balance has gone up due to the accrued interest being capitalized when my loans were in the forbearance. I feel cheated and misinformed here. When I went into the forbearance I was not made clear that interest is still being accrued and the interest would be tacked on to my principle balance. I have been paying consistently for years and instead of my loans decreasing they have gone up an additional {$2000.00} since XX/XX/XXXX. I feel cheated and disgusted that a company of this size can do this to people without informing them. I am currently in an IDR plan and finally found employment. I still have yet to be paid and when calling into Navient they steered me again into a forbearance due to me not being able to provide a months worth of pay stubs. However this time, they had a recording informing me of the accrued interest being capitalized while in a forbearance. Again, the representative only gave me two options to choose from. This was the first time for me understanding this and these companies are failing the hard working people who have student loans. PLEASE HELP!
Consumer complaint received 2023-04-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Today, Friday, XX/XX/2023 at XXXX XXXX an email and a text message came through congratulating me and thanking me for opening a checking account with Capital One bank. The issue here is that I never opened a checking account with capital one and unfortunately had to wait until XXXX XXXX to call them since that is when they open. I spoke for almost an hour to different agents, and none of them were able to provide any clear information or next steps or transparency around the fraudulent checking account that was opened in my name. They told me because I did not open the account they could not give me any information even though the account was opened in my name fraudulently. I spoke with three different consumer protection agents at Capital One : XXXX, XXXX and one female named XXXX, and all of them stonewalled me and gave me the same company spiel about privacy, which is all great, except it was my privacy that was being violated and they were doing nothing about it. They told me they flagged the account as fraud and they closed it and further communication would be sent right away, but I have not received any communication or confirmation that the account was actually closed. I was also told that because it was opened and closed the same day no big deal basically and there is nothing that happened but actually it is a big deal to me because they allowed a fraudulent account to be opened under my name and they were offering no guidance, no instructions, no follow up, no confirmation, either written or on the phone about any next steps or things that I could do to protect myself from this happening again. I do not bank or do any business with capital one and it felt like they were being dismissive and flippant about this fraud that was committed. They did not send an email to confirm that the account was closed and would not tell me about follow up actions or steps that were going to be taken by them. They left me with nothing other than have a nice day. I am disgusted by capital one, and their consumer protection department, because they did nothing to protect me or ease my concerns and I need to know whats going to happen, and what next steps theyre going to take to protect me from this happening again. I was trying to get information so that I can protect myself but they kept citing privacy. Even though an account was opened under my name they kept citing privacy concerns. Whos privacy are they protecting? The person who committed the fraud or are they trying to protect themselves from legal liability? I need answers and I need this to be investigated more thoroughly.
Consumer complaint received 2023-04-19
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: PNC Bank N.A. (MI)

I have sent multipy copies to them of there paperwork. Sent by XXXX. I have recieved multipule lied as to what was wrong with this form and, I am tired of the run around do I need to contact the banking regulations board. Legaly they had 90 days to have this money in my hand yet 3 going on 4 months after that deadline no money has been disbused. Just runn around after excuse.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NE)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2023-04-19
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: GOLDMAN SACHS BANK USA (NJ)

I, XXXX XXXX, a natural human being and a consumer with rights under 15 USC 1681. XXXX is governed by 15 USC 1681. And in accordance with the Fair Credit Reporting Act, 30 day late payments violating 15 USC 1681 and 15USC 6802. Please modify and reverse late payments. They have violated my consumer rights. I demand a reinvestigation of the account in question and modify and update correctly. Can you send me the description of the investigation according to 15 USC 1681i ( 7 ) no later than 15 days. The creditor is not respecting the law. I proved my claim on numerous occasions that they are violating the Fair Credit Reporting Act. Also, pursuant to 15 USC 1681 Section 602 A states I have the right to privacy. According to 15 USCs-2 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. ( B ) Reporting information after notice and confirmation of errors. And according to15 USC 1666 creditor has violated my consumer rights. 15 USC 1692C
Consumer complaint received 2023-04-21
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: EQUIFAX, INC. (IL)

Identity Theft Police Report and False impersonation was filed with local police department XX/XX/XXXX For Deceptive Collections Practice False impersonation. All verified and certified original documents sent to all 3 # Credit Agencies. And all 3 # XXXX, XXXX, Equifax have not complied with the FCRA nor the CFPB.And a result of these agencies neglection to abide by federal law guidelines, I have dealt with denial 's, of bank 's, Home loans, and business credit lines do to the rogue ness of these agencies.Knowledge of these fraudulent Verified Accounts where found XX/XX/XXXX and I personally started to contact all 3 # agencies with my findings and correct information XX/XX/XXXX identity theft Cpbf FCRA and Police reports where certified and express mailed to all 3 # credit agencies neglection. I continued to follow up from XX/XX/XXXX to XX/XX/XXXX with certified mail of cease and desist letters police reports Cpbf reports and identity theft reports. Failed to complied. All documents are certified and copied of all activities with XXXX, Equifax, XXXX.
Consumer complaint received 2023-04-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (IL)

Coinbase Gobal Inc discontinued Coinbase Pro Service and closed all Coinbase Pro Accounts and informed everyone that cryptocurrencies in their Coinbase Pro Accounts will be transferred to their Coinbase Regular Account but I have not received my more than XXXX XXXX XXXX XXXX Coins in my regular Coinbase Account.
Consumer complaint received 2023-04-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (SC)

Midland Credit Management has defiled my credit with XXXX accounts that I have no knowledge of. I never received anything in writing that verifies this debt belongs to me. It's been a very stressful and emotionally tumultuous battle trying to fix this issue. The negative impact on my credit score is keeping me from moving forward with my desired endeavors like buying a home or car.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

I am writing once again regarding the inaccurate information on my credit report related to incorrectly reported late payments on my credit card account XXXX Bank XXXX # XXXX. Despite my previous letters dated XXXX XX/XX/year> and XXXX XX/XX/year>, I have not received confirmation of the correction, nor have I observed any changes in my credit report. 

XXXX. XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX. XXXX XXXX. XXXX According to the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, you are obligated to correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of the information contained in consumer files. Additionally, 15 U.S. Code 1666b requires creditors to send periodic statements with the necessary information at least 21 days before the payment due date. Non-compliance with this regulation has resulted in the appearance of late payments on my credit report, adversely affecting my XXXX XXXX.

Additionally, under the Truth in Lending Act ( TILA ), section 15 U.S. Code 1637 ( b ) outlines clear disclosure requirements for creditors to ensure that consumers receive adequate information regarding their payment obligations. Non-compliance with these provisions can result in inaccurate and harmful reporting for the consumer. 

This is my final request for a reinvestigation and correction of the inaccurate information related to these late payments on my credit report.
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I tried to login into my trans union acct and check report. It wouldnt let me so I called and they told me someone else is connected to my ss #. Someone named XXXX XXXX. Idk what to do and they didnt help at all said they would get back to me but they havent and this stopping me from being able to verify my id with other things in my life. Please help. Thank you.