davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: WELLS FARGO & COMPANY (GA)

XXXXTHIS CLAIM IS AGAINST WELLS FARGO. '' Wrongful Foreclosures, and incorrect fees and interest charges. " * Loan Name : XXXX and XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX Ive contacted Wells Fargo '' to be compensated for Wrongful Foreclosures, and Incorrect fees and Interest charges. I have requested Wells Fargo to be compensated for their fraudulent actions that took place in XXXX, Ill Explain and document that my statement below is true and correct. 
When I contacted them recently, [ XX/XX/XXXX ] I discovered the courts found them at fault. They destroyed my documents and denied me compensation. Im now filing a complaint with XXXX for assistance in this matter. 
XXXX. In XXXX my former wife filed for divorce and bankruptcy she was named on the loan. When she filed for bankruptcy individually, she listed the Wells Fargo mortgage as a secured debt. 

XXXX. In XXXX, I requested them to refinance the mortgage in my name, since I did not file for bankruptcy and had excellent credit and substantial income to refinance the home in my name. 

XXXX. In late XXXX, they accepted my request, pending getting my wife to file in XXXX XXXX, Georgia a Quit Claim Deed, she did, and I sent it to them along with my refinance paperwork. My wife and I have lived in this home since XXXX [ 14 years ] I was never late on any payments. Months have gone by. Instead of approval, I received a response from them for refinancing they filed a foreclosure against me without my knowledge. It wasnt until I received the Notice of Foreclosure that I was made aware of their unilateral decision not to grant my approval, with no explanation. 

XXXX. I bought my home with my wife in XXXX for {$220000.00}. The market price was {$420000.00} and I owed substantially less. I hired an attorney to assist me legally in stopping the foreclosure action and was unsuccessful in an action that cost me thousands of dollars in legal fees. Their actions were to defraud me out of the equity in my home that I had built up and to pocket the difference. 

XXXX. In XXXX, they sold my home on the steps of the county [ XXXX ] courthouse and pocketed the difference. They defrauded me of my built-up equity, and the cost of legal fees, when they had no intention of refinancing my home. 

XXXX. In late XXXX their actions spiraled me into financial ruin. I had no money to fight them in court, any more and had to declare bankruptcy to protect myself against further losses because of their actions. 

Not until now, have I recognized that I had a recourse to recoup my losses for their fraudulent. I pray for the XXXX to help me in this action.
Consumer complaint received 2023-06-20
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: Experian Information Solutions Inc. (FL)

Despite multiple written requests, the unverified items in question. listed below continue to report on my credit report in violation of federal law. These items in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the fair credit reporting act section 1681b ( c ) and a serious breach of my privacy rights. I was like for all the inquiry below to be remove asap. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC. (NJ)

DEAR MIDLAND CREDIT MANAGMENT, According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-15
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Avant Holding Company, Inc. (DE)

I opened a credit card with Avant credit. They ran a hard inquiry on my credit report. I then received my card in the mail, in which I activated that card. I proceeded to attempt to make a purchase, where it would not work and continued to decline all purchases. I downloaded the Avant app on my phone which shows {$500.00} available. I then contacted customer service where I was directed to send an email to the theft department. I was extremely confused because they told me that it was listed lost or stolen, which I never ever claimed a lost or stolen card considering I just received it and hadnt even used it yet. I was given the incorrect email. I then called back explaining my concerns, once again ; I was given the wrong email. I called back furious at this point, explaining once again, the issues that I was having. The customer service rep told me that there is no one to speak to on the phone and all of this had to go through email. I was finally given an accurate email address but since then, I have reached out multiple times with no response. I now have a credit card that can not be used along with a hard inquiry on my credit report. I have no idea whats going on. If someone was trying to hack my account and requested a new card, so much couldve taken place by now since no one has contacted me.
Consumer complaint received 2023-02-14
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

Hi, My name is XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like XXXX being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-01
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. (CA)

My credit report is showing late payments to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX 's customer service representative.
Consumer complaint received 2024-07-15
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BMO Bank, N.A. (CO)

I call customer service and they will not close my credit cards account, which I just paid off and has a XXXX balance. BMO is the bank and customer service is at XXXX. They told me I have to go to a branch and then they hung up on me. There are no BMO banks with XXXX miles of me.
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In Response to complaint # XXXX I requested that Account from XXXX XXXX be removed account # XXXX, As stated in my previous complaint-In Accordance with the FAIR CREDIT REPORTING ACT. The below listed Accounts has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. Listed under Transunion " XXXX XXXX XXXX '' As listed on Transunion report Account # in question may not be the correct account number as there is a discrepancy between the account # listed on Transunion and XXXX XXXX Account open date is inaccurate as there is also a discrepancy between the 2 reporting agencies reporting of this XXXX XXXX Credit Card Account Listed under XXXX " XXXX XXXX XXXX XXXX  '' The response from CFPB complaint # XXXX gave non monetary relief of In response to your request, the following actions were taken on your credit file : You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. XXXX XXXX XXXX XXXX XXXX XXXX UN-VERIFIED AS REPORTED
Consumer complaint received 2024-07-29
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (NJ)

I obtained a credit card via XXXX XXXX to purchase a PC. The credit card is issued by Comenity Capital Bank ( Comenity ). For purchases exceeding {$1500.00} the terms of the credit card indicate that no interest is to be charged if the balance is paid within 12 months. Enclosed you will find the terms of the credit card. I purchased a computer from XXXX with some software totaling {$2300.00} on or about XX/XX/year>. I made three payments thus far on this purchase to Comenity Bank ( {$490.00} on XX/XX/year> ), ( {$260.00} on XX/XX/year> ), ( {$260.00} on XX/XX/year> ). However, my last billing statement ( attached ) from Comenity showed interest charges of {$42.00}. I called Comenity and indicated to them that I should not be charged interest. The reply that I received was that my account did not indicate any special agreement
Consumer complaint received 2024-07-27
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

A SO CALLED MANAGER XXXX IS UNABLE TO FIX THE ISSUE. SHE VERIFIED WITH ME ON THE PHONE THAT I QUALIFIED FOR XXXX XXXX} bonus I met the requirements but she still unable to issue the XXXX} bonus she needs to refer to other dept. WHAT TUPE OF XXXX XXXX IS CAPITAL ONE that cant resolve an issue in 1 call Ive made 4 calls so far and nothing is resolved. 
I spent hours tryin to resolve a company issue And my issue still unresolved. 
This company is being fraudulent having false advertising and needs to be investigated
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I HAVE A FEW ACCOUNTS ON MY CREDIT REPORT THAT I DON'T RECOGNIZE. SOMEONE STOLE MY IDENTITY AND OPENED SOME ACCOUNTS. Coaf XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, Capitol one XX/XX/XXXX. If you can please look into this and delete these immediately. Thanks
Consumer complaint received 2023-01-02
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. (PA)

In accordance with the Fair Credit Reporting act XXXX  Account name : XXXX and XXXX Account # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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 consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-06-28
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. (NM)

I am writing with the utmost urgency to demand immediate action regarding the fraudulent account and erroneous information unlawfully reported on my credit file. As a victim of identity theft, it is imperative that this situation is promptly rectified. 
Pursuant to the Fair Credit Reporting Act ( FCRA ), it is your legal obligation to investigate and correct errors on credit reports. Failure to comply with this request promptly will result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and potential legal action. 
This account is fraudulent and must be expunged from my credit report without delay : XXXX - XXXX XXXX XXXX.
Consumer complaint received 2023-01-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$27000.00}
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

My information was sold and bought illegally because i was a victim of XXXX XXXX data breach. I want these items deleted form my credit report immediately. ACCT # XXXX TXXXX ACCT # XXXX XXXX XXXX AUTO, ACCT # XXXX XXXX, ACCT # XXXX XXXX XXXX and Acct # XXXX XXXX XXXX  XXXX XXXX I am attaching proof that XXXX XXXX has admitted that I was in fact a victim of this data breach and has done nothing. Please help me deletes these illegal accounts from my credit report.
Consumer complaint received 2023-05-05
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CAINE & WEINER COMPANY, INC. (FL)

I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
Consumer complaint received 2024-07-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: WELLS FARGO & COMPANY (GA)

I received information from Wells Fargo again stating that XXXX was the servicer, of my mortgage. When they stated " that they have no documents ( due to retention requirements ) So did they use a crystal ball to determine this since I have provided documents that prove Wells Fargo as liars, and continuing their actions by screwing the customers? 

I want to discuss this breach of trust, they Have been provided my updated contact information and due to their lies, I don't talk to liars!

Only on one condition, I have an attorney ( I can verify ) contact me, by phone, so if he lies then I will start proceedings against him, for the same! 
Wells Fargo can reach me at ( XXXX ) XXXX since CFPB has updated my official contact phone number.
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am writing to file a formal complaint against the ONLINE INFORMATION SERVICE ( Original Creditor : XXXX XXXX XXXX XXXX ) for negatively reporting a debt on my credit report without my knowledge. Despite multiple attempts to contact the company, I have received no response. 

Upon discovering the debt, I have found several inaccuracies in the reporting. The Date Last Active, Date Opened, and Account Status are all incorrect, impacting my mental health, credit-building efforts, and credit applications. 

I have diligently followed the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in addressing this matter with the company to no avail. The situation is now severely affecting my financial well-being, and I am compelled to seek resolution through legal avenues. 

I kindly request your immediate intervention to rectify this matter and ensure the removal of the inaccurate debt from my credit report. Your assistance is crucial in restoring fairness and accuracy in accordance with the FCRA. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is XXXX of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-13
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: Chime Financial Inc (NJ)

Since early 2024, I have disputed the account status for a Chime credit builder account. As of today, the account has been reported by Chime Bank as open with a balance of {$25.00} despite me closing it several months ago. The account showing a balance is adding to my debt to income, which has negative impacted my credit. This negative impact could have contributed to declines for new credit trade lines. I have disputed the account with all three credit reporting agencies, as well as Chime and it still remains. I am requesting that the account reflects the up to date account status and information. The credit builder account should show as paid as agreed and closed with a XXXX balance. Businesses that fail to maintain fair and accurate credit reports are subject to heavy fines and penalties. 

Civil Liability for Willful Non-Compliance Provisions and penalties for willful non-compliance are provided under section 616. [ 15 U.S.C. 1681n ] of the FCRA. The section is further divided into subsections that separately discuss civil liabilities for non-compliance with the customer and with the consumer reporting agency. Civil penalties for non-compliance with the provisions of the FCRA are as below. 

In General Any person who willfully fails to comply with any requirement specified under this law concerning a consumer is accountable to that consumer for a sum comprising : A - The actual damages suffered by the consumer due to the failure, or damages ranging from not less than {$100.00} to not more than {$1000.00} Chime Bank and the credit furnishers supply this information to the credit bureaus are in violation of the FCRA, despite my attempts to correct it, it hasnt been resolved.
Consumer complaint received 2024-07-12
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc (FL)

So I placed the order with affirm XX/XX/XXXX I believe it was and then I placed XXXX on XX/XX/XXXX in total everything was like almost {$800.00} here we are XX/XX/XXXX and I still yet to receive the package and the company is still trying to charge me a monthly fee and I spoke to them and they pretty much told me that Im out of luck and I told them I have XXXX all around my house in the front and the back on the side and there was no delivery that was made and I sent them all the information they asked me for and they still telling me that out of luck and then I need to pay them back companies like this should be out of business. They take people and they rob people XXXX for money. All I want is a full refund or my product that I purchased. and I also contacted the company that I made the purchase, which was XXXX and a firm is a financial institution that helps people purchase stuff and XXXX told me that pretty much Im out of luck as well and theres nothing they can do for me and XXXX with a big purchase that I made they shouldve been a signature request for delivery