davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-28
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Diaz & Associates, Inc. (NH)

My father received a call from Diaz and Associates for me and gave me the message. I called the number back and spoke to a woman who was very nice. She then put her supervisor XXXX on the phone. He was the total opposite. When I told him that I would not pay the bill because I did n't believe it was mine he became very rude. He started harassing me. I told him he was being harrassing. Having worked at a collection agency I know the laws. He then said that I must not have been very good since I was not working there anymore when in reality I moved out of state and im still in collections. He continued to be very rude and insulting. The mini Miranda was not provided by either him nor the first woman. I was not told my call was being recorded. When I told him to stop calling my dad 's he said the number was removed. When I asked what number, he refused to give it to me. I did tell him not to call my phone either as it is a cell and once I tell him not to he ca n't. He then told me that I 'm harassing him by not hanging up the phone. I told him I wanted to know what numbers were being removed and he again refused to tell me. He then continued to make comments to try and degrade me. I let him know that by doing what he 's doing he is still breaking the law. He finally gave me the numbers that were being removed and the call ended. This whole call was a violation.
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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 2022-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have a collection account on my credit report that is being reported inaccurately. XXXX XXXX XXXX is being reported by all three bureaus inaccurately. Its being reported as charged off and paid monthly at the same time and a few other things. I have attached a copy of my report. This information is inaccurate and its really hindering me. Due to the false information being reported I want this collection removed from all three reports immediately. I also want all three bureaus to provide me with full details and signed documents with my signature on them. If this information is not provided I demand that all three bureaus remove this collection from my report. I have tried to resolve this matter plenty of times and the next step is to proceed with litigation due to the hardship that this matter has caused me.
Consumer complaint received 2023-06-08
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)

I am writing to file a complaint to EXPERIAN regarding the reported data on my credit file that is not certifiably compliant and proven valid and/or not documented as fully true and physically verified. My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX. My date of birth is XXXX, and the last XXXX digits of my social security number are XXXX. The FTC report number associated with this complaint is XXXX. 

I have identified likely mendacious and certainly unproven compliant reported inquiries on my credit file that have no permissible or authorization made by my person of free will. As a consumer, I am within my federal and state consumer and/or civil rights to demand and/or compel you to have them removed as soon as possible. I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACTA Title 1 sec. 151 that unambiguously obliges a recounted of the modus. This is a formal dispute of information and reporting.
Consumer complaint received 2015-06-09
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Mid-Atlantic Consumer Services (PA)

They relentlessly called my work, even though I am currently on short term XXXX, the refused to send me proper verification that the loan existed and they told my employees personal information, and even tried to tell them they would serve them papers to give me.
Consumer complaint received 2015-10-31
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH (OH)

I have been a client of First Merit Bank for several years. I complained to employee XXXX XXXX XXXX the morning of Saturday, XXXX XXXX, 2015 about the " lousy service '' and requested that the branch manager ( not in ) contact me. XXXX 's response was to lean forward, make an ugly face and threaten me physically by " escorting '' me out because he did not want his customers to hear anyone complaining. In disgust, I left.
Consumer complaint received 2015-05-28
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (NY)

With regard to Case number : XXXX United Bank locked up my account. 
Peoples United Bank returned only half my fundsPeoples United is still assessing their gratuitous feesMy XXXX does n't understand that this is just another reason XXXX. 
I am XXXX years old and I do not deserve to be treated like this.
Consumer complaint received 2015-07-17
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: US MORTGAGE CORPORATION (OK)

I contacted a real estate agent at XXXX XXXX XXXX in XXXX, OK about a HUD property. XXXX weeks after signing contracts the agent ( XXXX XXXX ) " quit '', said I was reassigned to another agent ( XXXX XXXX ) and they referred me to US Mortgage. I had a preapproval from another lender who required utilities on during inspection so we could n't move forward. Other concerns followed but concern now I escrowed monies to pay for plumbing as part of the FHA loan. This was financed in my FHA loan ( XXXX XXXX, 2015 ). Almost XXXX months after loan closed the plumber called me to report he had not received his payment. I contacted XXXX by phone and email to find out why this amount was not paid and for documentation where all monies I escrowed in were applied. She said she would follow up, contact me next day but she has not called me, nor the plumber back. This was typical ( not calling back - ever ) throughout the loan process. I 'd call agent at XXXX XXXX with question, agent would say for me to call the XXXX at the mortgage company. I just waited until I closed not to lose the property or my earnest money. This time however the plumber is calling me about payment I paid at closing. I would like to know who else to contact so I can file a complaint. I 'm not sure if US Mortgage is local ( XXXX ) I never went there nor could find an address online or correspondence. Faxed and Email everything. No one showed up at closing - the agent nor mortgage company. XXXX 's name then reappeared on the closing documents ( XXXX months later ).
Consumer complaint received 2017-01-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NV)

I request the following information to be provided by Wells Fargo Bank NA. 
As you stated in your letter dated XX/XX/2016, Wells Fargo Bank is the investor of our loan. Please provide a written response with documentation to the following questions ; 1st, how did Wells Fargo Bank NA acquire our loan? 
2nd, what date did Wells Fargo Bank acquire our loan? 
3rd, did XXXX sell our note/loan to Wells Fargo? 
4th, if not, which company or investor sold our note to Wells Fargo Bank NA? 
If Wells Fargo Bank wants to end these complaints, please answer all of our questions truthfully and provide documentation. Failure to comply will result in additional complaints filed against Wells Fargo Bank NA.
Consumer complaint received 2016-11-09
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (PA)

To sum this up I have been a victim of Wells Fargo predatory lending and cash out financing as well as opening a home equity account I never asked for. This was 10 years ago, I was not aware of it at the time and they took advantage of my divorce situation and completely disregarded the consent orders. Each and every time I ever spoke to anyone at Wells Fargo they stated things like " you need to leave the home '' or " what makes you think you deserve a better interest rate ''. They have destroyed my finances and have prevented my family from moving forward financially and they have caused much XXXX for my family with no resolve. They have disrespected the consent orders and direction provided by the OCC. They now have supposedly transferred servicing to XXXX XXXX loans and they put it right back on my credit report again. How could they be permitted to sell my mortgage for a third of the value when I have been so damaged? They never attempted to foreclose through all these years, why? Because they know of the wrong doing that would come out and they somehow believe that transferring the mortgage to XXXX will shadow that. I know the local court will be able to see through that, however this should be addressed at a higher level, I am sure there are many families that are suffering through a similar situation. I have been damaged much more than the cost of the original mortgage. 
I would ask that you please look into this so I may get some resolve. I have spent so much money through the years on attorneys and loan Modification Company 's and I just can not keep going on like this.
Consumer complaint received 2024-09-19
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. (VA)

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 2024-10-31
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (CA)

Back in XXXX I applied for a credit card with Chase called Chase Freedom Unlimited. I specifically chose to apply with them because of the promotion they had to get {$200.00} cash back after spending {$500.00} in the first 3 months of having the credit card. 

I was able to meet that requirement probably within the first month of the card opening. I noticed however that they did not apply the promotion to my account even after the fact. 

I initially called them about a month ago to inquire and I was told that it was a mistake and that they were going to send an escalation. I then receive a letter about a week or so later saying that they are not able to apply the promotion. 

I called a second time and this time, the representative stated that the first representative didn't do the escalation properly and that I shouldn't worry about having to call about the same issue again. It will be taken care of. 

This week ( XXXX XXXX, 2024 ) ; I received another letter and this time saying that the promotion was never in the account to begin with. So I called and talked to a supervisor who told me the same. They also asked me for proof of application which realistically nobody does when applying for a credit card. 

My question is why was that never mentioned in the beginning when I first got approved. It wasn't mentioned the first or the second time I called and brought this to their attention. Yet they expect me to have proof that I had the promotion when I applied. 

I asked them to provide the writing where it said I wasn't getting the promotion when I first got approved. They are not able to provide that either. 

I feel like it was a click bait and I was mislead with multiple different information. I didn't have this issue with any credit cards in the past. So I feel like it was a dirty tactic to get people to apply but not honor the promotion.
Consumer complaint received 2016-10-13
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CA)

I received a notification from XXXX credit monitoring service that a credit report had been pulled by Wells Fargo on XXXX XXXX, 2016. I called Wells Fargo with XXXX on a XXXX party conversation on XXXX XXXX, 2016 at XXXX XXXX talking with XXXX from Wells Fargo who transferred me to XXXX XXXX XXXX where it dropped off several times. We tried again at XXXX XXXX and after discussing for approximately XXXX XXXX was advised by the Wells Fargo representative that I needed to go to a local Wells Fargo bank and deal with it. So I went to the bank where I had an account several years ago located at XXXX XXXX XXXX XXXX in XXXX XXXX CA at XXXX XXXX and met with assistant manager XXXX who after looking in her computer assured me that no bank accounts or credit cards had been opened using my information. I have received no bill for this, however I am disturbed that XXXX would have received a hit if nothing was opened. I have been noitified by XXXX about 26 times before without a false alarm. I do not know weather the hit was for savings, checking or what because Wells Fargo denied having anything to do with a credit report being pulled. I selected a savings account in the field below because that was the closest option and I had a checking and savings account with them prior. Also I would like to add I only had an account with Wells Fargo because they took over my bank that I had signed up with originally, XXXX XXXX Bank.
Consumer complaint received 2024-10-11
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. (IL)

VALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. XXXX of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

To whom this may concern, I am contacting you because I have found some information that is inaccurate on my credit report. You are reporting a late payments on XX/XX/year> and XX/XX/year> on the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is not true, I was not late on ( Month, Year ), I request that you verify the Information and update the payment history on this account as " PAID, NEVER LATE '' immediately.

After doing so please provide me with an updated credit report reflecting the changes.
Consumer complaint received 2024-09-18
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)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My account with XXXX XXXX XXXX XXXX  AND XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. 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 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. 

XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX 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 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-10
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. (NY)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-10-11
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. (MA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-18
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. (SC)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 
As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"
Consumer complaint received 2024-09-18
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)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.