davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-02
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

This complaint is to inform the CFPB that Wells Fargo lied in a email inquiry sent from the U.S Treasury. The following is a copy of the email inquiry which Wells Fargo confirmed the complaint was Valid & Accurate. Wells Fargo also Accepts responsibility and admits liability. Wells Fargo also offers 2 resolutions to resolve the complaint in response to the Treasury 's question of " provide recommendation for resolution '' Neither of which Wells Fargo pursued. instead the foreclosed on my home. 
I ALSO HAVE & OTHER EMAILS FROM WELLS FARGO YOU WOULD LOVE TO SEE " Associated Risk : ( Provide facts and/or customer statements regarding their situation that may pose a risk to Wells Fargo. ) We quoted terms at the time of the TPP approval on XX/XX/XXXX. Indicated these would be the terms of their modification. When the permanent HAMP Mod was approved the terms were drastically different due to the investor restrictions and length of time it took between the TPP and Perm Mod. 

Timeline Highlights : ( Most important, relevant events from timeline which are essential to resolution and response. Use Timeline on page 5. ) Approved HAMP TPP on XX/XX/XXXX Quoted terms to customer. Indicated terms were set Title issues completed XX/XX/XXXX Approved HAMP Mod on XX/XX/XXXX Drastically different terms than previously quoted Recommendation : ( Provide your recommendation for resolution, including but not limited to SPOC engagement and decision review ).

Buy down principal Repurchase the loan so we can approve a mod with similar or better terms than quoted. 
Already assigned OOP SPOC '' Also please take notice of the following which CONTRADICTS Wells Fargo response to the US Treasury DOCUMENT 70 from the  below case. 
Federal case number Case 6:16-cv-01919-CEM-GJK DEFENDANT WELLS FARGO BANK, N.A.S MOTION FOR SUMMARY JUDGMENT AND INCORPORATED MEMORANDUM OF LAW iii. Count V Fails To State a Claim For Negligent Mortgage Servicing " Even if Plaintiff could establish a legal duty, which Wells Fargo denies, the undisputed evidence is clear that Wells Fargo properly handled his Fourth and Sixth Modification Applications. Specifically, Plaintiff contends that Wells Fargo offered Plaintiff three different and contradictory loan modifications : ( 1 ) an Original HAMP Modification ( see Sec. Am. Complaint at 30 ) ; ( 2 ) an Oral Modification ( see Sec. Am. Compl. at 31 ) ; and ( 3 ) a Non-GSE HAMP Modification ( see Sec. Am. Compl. at 39 ). As was made clear during his deposition, Wells Fargo offered only one loan modification to Plaintiff the Non-GSE HAMP Modification.
Consumer complaint received 2024-09-05
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. (IL)

I received a letter from XXXX XXXX indicating that an account application had been submitted in my name and they require more information to open the account. This is a fraudulent application therefore I contacted XXXX right away to stop the application process. They confirmed that there was a hard credit check and that I would need to reach out to the bureaus to have it removed. The bureaus indicated that I needed to file a report with the FTC and CFPB to get the process started in getting this fraudulent hard credit inquiry removed from my credit files. I have attached the letter I received from XXXX to inform me of the account application that was when I discovered the fraud. What other steps can I take to avoid this in the future or to prosecute the person ( XXXX ) responsible?
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

Subject : Complaint Regarding Experian and XXXX XXXX to Respond to Initial Complaint within XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX and Experian regarding their failure to respond to my initial complaint within the legally mandated timeframe, as stipulated by the Fair Credit Reporting Act ( FCRA ). Despite my efforts to resolve the issue directly with XXXX and Experian, they have not acknowledged or addressed my complaint within the XXXX period specified under Section XXXX ( a ) ( XXXX ) ( A ) of the FCRA. 

On XX/XX/year>, I submitted a complaint to Experian and XXXX regarding unauthorized inquiries, identity theft, and inaccurate information on my credit report. Furthermore, I have discovered that Experian and XXXX have accessed and reported on my credit information for over XXXX  years without my authorization or knowledge. According to Section XXXX of the FCRA, consumer reporting agencies must obtain a permissible purpose before accessing a consumer 's credit report. I did not authorize Experian XXXX XXXX to use or report on my credit information for any purpose. According to Section XXXX ( a ) ( XXXX ) ( A ) of the FCRA, upon receiving a dispute, consumer reporting agencies such as Experian and XXXX are required to conduct a reasonable investigation within XXXX  days, unless they consider the dispute to be frivolous or irrelevant. In my case, both Experian and XXXX have failed to adhere to this statutory requirement by not responding at all within the specified timeframe. 

This delay has caused significant inconvenience and potential financial harm to me. As a consumer, I rely on accurate credit reporting to secure loans, housing, and employment opportunities. Experian and XXXX 's non-compliance with the FCRA has directly impacted my ability to manage my financial affairs and protect my creditworthiness. 

Therefore, I request that the Consumer Financial Protection Bureau intervene and take appropriate action against Experian and XXXX for their failure to comply with federal law. Specifically, I request that Experian and XXXX be compelled to remove my entire complaint from my credit report immediately, as they have forfeited their right to report it due to their failure to investigate and respond within the required timeframe. 

Please inform me of the steps you will take to address this matter and ensure both Experian and XXXX 's compliance with federal consumer protection laws. 

Thank you for your prompt attention to this urgent matter. I look forward to your timely response and resolution of this complaint. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : XXXX. XXXX I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 
My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues withyour company via an online public press release, including documentation of any potential small claimsaction. 

Thank you for your time and help in this matter.
Consumer complaint received 2024-08-23
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. (PA)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 A states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX, XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, XXXX ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Good day, the errors you are reporting on my credit are causing a lot of problems in all aspects of my life, this is really frustrating. You keep on disregarding my requests to correct inaccuracies on my credit report, this is a blatant violation of my rights as a consumer.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
Consumer complaint received 2024-07-24
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: Experian Information Solutions Inc. (NY)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-07-24
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. (MD)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-07-24
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)

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 2021-01-14
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. (TX)

XXXX XXXX response CFPB Case # XXXX is attached. Their response is incomplete, incorrect, and a misinterpretation in part. 
The purchases did not have my permission after cards were stolen. The fraudulent payments did not have my permission that then allowed the credit limit to be exceeded. This can be easily proven with the payment information that XXXX XXXX claims they no longer have access to.???? Unbelievable! Multiple and thousands of dollar fraudulent payments from a fraudulent account and not my account but XXXX XXXX claims to have done a thorough investigation. So yes, XXXX XXXX allowed the accounts to exceed the credit limit without my permission. 
If I had made any payments on the card after the card was stolen, it would appear and XXXX XXXX would be saying I accepted the debt. I was prevented from making payments ON THE AMOUNT I OWED because XXXX XXXX was disorganized by canceling the card, charging off the card, AND THEN COMPLETED THEIR INVESTIGATION AND REDUCED THE AMOUNTS DUE ONE YEAR LATER. So yes, I was prevented from making payments ON THE AMOUNT I OWED. XXXX XXXX should have immediately completed their investigation INCLUDING THE METHODS OF MULTIPLE SUCCESSIVE LARGE FRAULENT PAYMENTS MADE ON THE ACCOUNTS INSTEAD OF WAITING ONE YEAR LATER. XXXX  XXXX did damage by reporting me negatively to the credit reporting agencies going on 4 years while overlooking overlook their inadequacies. XXXX XXXX further exacerbated the problem by selling off the debt to a debt collector for pennies on the dollar who is now suing me.
Consumer complaint received 2024-07-24
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. (CA)

Experian XXXX XXXX i sent police report and ftc reports many times but got refused and error. saying the police report was not honored and that the blocking or the removal of debt was not accurate. I was denied my right to privacy contacted all 3 company about the information that was reported on my credit report with out my knowledge I also let the companies know that I was a victim and I need assistance on my behalf experian has a policy where I had purchased insurance from there conpany saying if I was a victim I will get help up to a XXXX dallors which never happened and they refused the matter,. I also try to upload documents which they said they didnt received but I know I uploaded documents on each matter with the cfpb they said they didnt receive any information from cfpb complaint.This matter has case me mental health issues denied loans and etc. I need help with this matter I took legal actions and they still not honoring the ftc reports and police reports I also reach out to actual companies they sent deletion letters and experian and XXXX and XXXX still not honoring, breaking all my laws to uphold debt in my name illegally. XXXX XXXXXXXX XXXX XXXXXXXX {$60000.00} XXXX XXXX XXXX but they have it at a diffrent amount showed on the reports. see attachments.
Consumer complaint received 2024-07-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2021-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: JPMORGAN CHASE & CO. (CA)

Chase Bank routinely charges a " credit balance refund '' to credit card accounts that, at the time of billing, have a negative balance, even when there are existing " pending '' charges on the account and/or the account is not being actively closed and therefore not expected to incur any further charges to the account. 

This " credit balance refund '' is charged as an interest bearing charge to the credit card account. Chase then sends a slowly delivered paper check to the customer via USPS in the mail for the " credit balance refund '' amount that will get to the customer whenever it gets to the customer, which, could take weeks (! ) in some cases. This time, they also sent an email that I could setup a new " Chase pay '' account and get the money electronically, but the " Chase pay '' site did not actually work and the technology did not allow me to actually create the required new " Chase pay '' account, leaving the USPS mailed paper check as my only option. ( note : I also called customer service and the customer service person said that there was nothing he could do other than send me to the technical support line to see if they could help me log into the " Chase Pay '' account. I ask for a supervisor, and the Supervisor said she would " reverse '' the charge, but I have yet to see the reversal on my account as of today. Also, this is not the first time this has happened, so it is not reasonable to have to call Chase, bypass a customer service agent to speak to a manager and get this manually reversed every time Chase decides they want to make this charge on my account. ) The reason Chase does this and the reason it is EXTREMELY PREDATORY is because Chase moves the cashflow burden from themselves, onto the consumer to now pay a charge that they would not have otherwise had to come up with cash for, but for the fact that Chase will not allow balances on a credit card to be negative, even when their is pending activity on the account and the account is not being closed. Chase shifts the burden to the customer to either come up with new cash to pay for the " credit balance refund '' charge with new cash or hope the paper check gets through USPS fast enough, gets deposited into a deposit account, then pays down the new credit card charge before the customers monthly billing cycle closes or the customer will incur new fees associated with a balance and charge that IS NOT FOR A REAL TRANSACTION. 

Chase shifting the burden to the consumer to pay charges and ultimately/potentially incur fees simply because " they don't like credit cards having a negative balance '' is extremely predatory and it perpetuates a cycle of cash strain and constraint on the consumer, ultimately forcing the consumer to rely on credit and incur fees given the cash strain..
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX  XXXX XXXXBalance {$1800.00} XXXX XXXXBalance {$36000.00} XXXX XXXX Balance {$0.00}
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. (IL)

I have recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.