davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (TN)

1.I have never had an account with this company WELLS FARGO , REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are WELLS FARGO the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Consumer complaint received 2023-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (DC)

I wrote XXXX XXXX and XXXX on XX/XX/, asking for full media validation and account details and requesting a dispute of a debt. Neither firm replied. I sent a second request to them via Registered Mail USPS in XXXX. 

Instead, the companies placed a derogatory item on my account, falsely asserting that I owed them. 

I included pictures of the returned telecommunication equipment, the XXXX document that verified shipment, the email acknowledging receipt, and other details. The alleged debt contains not details, itemization of charges, or a reply withing 30 days as required by the ECOA and FDCPA.
Consumer complaint received 2023-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN HONDA FINANCE CORP (MD)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes
Consumer complaint received 2024-03-15
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. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely deleted : 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 2023-11-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: PLANET HOME LENDING, LLC (TX)

I sent a promissory note for full value received to Planet Home Lending LLC.

According to UCC 3-104 a promissory note is a negotiable instrument.

According to UCC 3-603 if a tender of payment is NOT accepted then the debt is discharged for the full value of the tendered payment.

According to HJR 192 one can't deman a certain form of currency since any form and all forms of U.S. currency are the consumer 's credit.
Consumer complaint received 2017-05-08
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Automatic Data Processing, Inc. (WA)

XX/XX/XXXX   ADP ( www.adp.com ) reissued my  FSA  card. I activated it and used it in   XX/XX/XXXX   and again   XX/XX/XXXX .  XX/XX/XXXX   I went to pay a  XXXX  bill on Friday   XX/XX/XXXX   and it was declined. I called ADP and they said the card was never activated. I told them f or one i activated the card, for two  i used the card twice afterwards. They said oops we dont know what happened. So i told them i need this card reactivated. They said they could not. They had to reissue me a new card. Afterwards i remembered i needed my card now because i was traveling thos week and called back. The  2nd   CSR w as a complete waste of time. While on hold 30 MINUTES called to get a different CSR. She tried to escalate but because of the other  two w asting time and handling poorly closed fir Friday. Called  1st th ing monday morning spoke to escalation person, he said because the  1st CSR put it in as a stolen card that he could not do an ything with the card i have in my possession. I am not sure what kind of hinky, unproffesional, shenanigans are going on in ADP but falsely inputting my card as stolen and shrugging it off which the escalation person did is completely wrong. I am a  XXXX  veteran and i have monies taken out of my check to cover medical expenses. For a company to say oh well not our problem and tell me to take my personal bank monies out to cover THEIR BLATANT MALPRACTICE and NEGLIGENCE, and their answer is for me to pay out of pocket and then file a claim that takes weeks to process. They should NOT be allowed to continue. Who else has this happened to and continues..   CSRS AND escalation codes  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Consumer complaint received 2017-05-08
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Auto Lenders, Inc. (TX)

I have received an extraordinary amount of phone calls fr om National Auto  lenders who are trying to collect a debt. The person who they are trying to contact no longer has the number they are calling. I changed my number and I received the number from my cellular phone company for the person who they are trying to collect money from. They call from several different numbers at least twice a day. The phone call starts out as a robocall asking you to either pres s 1 if you are the person they are looking for or press 2 if you are not. Pressing 2 caus es a disconnect. I have actually looked the company up on the internet and got the phone number for them. I called and explained the issue to them and asked that I be taken off the call list. They said they would and it would take up to  10 bu siness days. That was over a month ago.     I do not owe this debt. I do not know the person who owes this debt. The person who they are looking to collect this debt from no longer has this phone number or is associated with this number.
Consumer complaint received 2020-07-31
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Numerous misrepresentations about the closing date of two mortgages and updates in the processing of mortgage. No visibility into the mortgage process and soft promises about closing dates that were false. 

Loan processor completely disorganized and has no clue and organization about what documents are expected. We are about to move the closing date thrice in the period of two weeks. 

Nothing Provided in writing. We had to follow up every day about the status of our loans. 
Citizens Bank XXXX XXXX is already under censure from the CFPB. 

This Bank 's loan and underwriting processes are completely disorganized and inefficient to the point of being negligent. 

We had to extend our contracts twice after they had been canceled.
Consumer complaint received 2023-09-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (TX)

My loan refund was electronically deposited into my ex husbands bank account. Despite the fact the check was to be sent physically to my current, on file address. 

Nelnet keeps directing me to XXXX And refuses to direct me to fraud department Customer service is XXXX XXXX! 
She said she can only give information on active loans.
Consumer complaint received 2022-12-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (IN)

I have called and written the National Recovery Agency ( NRA ), located at XXXX XXXX XXXX, XXXX, PA XXXX ( XXXX ) XXXX XXXX in an attempt to resolve this matter. This is not my debt. I ordered product from a company ( King Size ) in XXXX of XXXX, and it was never received. I disputed the charges with my credit card company ( XXXX XXXX ) and after a 30 day investigation and no response from the company, it was determined that the charges were fraudulent and illegitimate. I verbally explained this on multiple occasions to representatives from the National Recovery Agency as well as sent a letter in XXXX of XXXX ; explaining the situation in detail, this is a fraudulent debt that the NRA is harrrassing me daily to pay. This was resolved through my credit card company. I am not responsible for this debt. I never received the merchandise. This is harrassment.
Consumer complaint received 2023-04-25
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AZ)

On XX/XX/2023 I summited a complaint to Experian. Case number : XXXX According to 15 USC 1681i ( a ) ( 1 ) ( A ) Experian, XXXX, and XXXX have 30 days to respond to my dispute. This is a violation of my rights. Therefore, I demand that the account XXXX ( XXXX  ) be removed immediately from my consumer report. As its reporting inaccurate information.
Consumer complaint received 2023-10-11
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: EQUIFAX, INC. (FL)

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XX/XX/XXXX
Consumer complaint received 2023-11-24
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (IL)

On XX/XX/XXXX, I received an email that a payment was due on my account. I called in and spoke to a representative and they notified me that I had a missed payment. I was told on previous occasions that Navient does not report missed payments to the Credit Bureaus until they hit 90 days. The gentlemen that I spoke with also confirmed this and said that as long as a payment is made by XX/XX/XXXX there would be no negative Credit Impact. I immediately scheduled a payment. 
On XX/XX/XXXX, I received a credit alert that I am 60 days late ( attached ). 
The account never went over 30 days late and I believe that payments were improperly applied. 
Looking back at my bank records and online Navient Profile this is inaccurate for multiple reasons. 
Going back to XXXX, there was a payment made on XX/XX/XXXX then on XX/XX/XXXX, the account had never gotten 60 days behind. 
Also, the Online Portal shows payments for all three months being received back to XXXX, which contradicts what is being reported to the credit bureaus. 
Also, the account went from 0 Days Late to 60 Days Late. How can this be possible? There would need to be a 30 Days Late. A 60 Day Late payment has a much bigger impact than a 30 Day Late, which is unfair to the consumer. The consumer should be alerted to be given the chance to correct anything before it hits 60 Day Late Status. 
Enclosed is documentation supporting my request : Please investigate this matter and correct the disputed items as soon as possible. For many reasons I believe this should be corrected. Most Notably, I was told inaccurate information from the Customer Service Rep on XX/XX/XXXX, who clearly stated that there would be NO CREDIT IMPACT AS LONG AS PAYMENT WAS MADE BY XX/XX/XXXX, which can be heard from the recording of the phone call.
Consumer complaint received 2018-05-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (PA)

XXXX XXXX, XXXX placed negative item on my credit report without notifying me, which is a clear vilation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Request XXXX XXXX, XXXX to remove incorrect information off my credit report. More importantly, XXXX XXXX, XXXX are in violation of FACTA section 623 ( A ) ( 7 ).
Consumer complaint received 2022-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$11000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act Collections Account # XXXX ( XXXX XXXX XXXX ) has violated my rights. 

15 U.S.C 1681 section 602 A states I have the right to privacy. 

15 U.S.C 1681 section 604 A section 2 also states : a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2017-04-01
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (NC)

I have been slightly overpaying on my SLS mortgage ( just a few dollars a month ) since it was sold from XXXX to SLS. For quite sometime SLS could not give me access to my account online ( I filed an official complaint with them last month, to which they finally " fixed it '' ). But now when I can see my transaction history, instead of crediting my " extra principal '' to pay down my loan, they have been allocating these extra payments to " late fee '' -- not at all reducing my principal. I am sending them a complaint as well, but they are horribly non-responsive and I believe this could be a systemic issue given it appears to be done automatically all the time.
Consumer complaint received 2017-05-08
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

On   XXXX   XXXX   XXXX    , I submitted an online dispute with Equifax concerning  XXXX  accounts on my credit report that were fraudulent. As requested in a previous disputed, I submitted a copy of my Identity theft affidavit from the Federal Trade Commission as well as a copy of the police report. Both of the accounts in dispute were listed on both documents. On   XXXX   XXXX  , I received a response from Equifax stating the account was researched and determined to be mine. When I called Equifax, I was told by an customer service  rep. t hat I did not add my current identification, however the other account was deleted from my file without it and my identification was never requested by Equifax. I would have to wait another 30 days to allow them to investigate it again. I asked to speak to a supervisor and was told that   XXXX   XXXX   XXXX   XXXX   responded to their investigation incorrectly therefore, they would need another 30 days to re-investigate the matter because it was also not investigated on their part as a fraud case. I told that supervisor that was unacceptable as I should not have to take responsibility for their agencies and the creditor not doing their parts. I asked to speak to her supervisor when connected to him, he told me that they were just reporting what the creditor sent to them. I asked how could the creditor report  one thing to his agency and another to the other 2  agencies being that the other agencies did their investigations, which resulted in the removal of the account. I asked for a copy of the investigation they did and the response from the creditor be mailed to me. He told me he would only send me how they conducted the investigation and that was it. He then stated, it also would take another 30 days the receive this information.
Consumer complaint received 2023-04-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC (TX)

I spoke with this company back in XXXX of this year and informed the that this medical debt is not mines. CAPIO PARTNERS LLC. Wilfully added this item on my consumer report with out my knowledge. Not only did the company put the item on my consumer report this is a hippa violation no medical debts can be reported on any one consumer report. They also stole my identity because i do not know who this company is and i have explained to them that i do not know them and they still placed someone else medical problems on my consumer report. They have violated so many federal violations including hippa, the privacy act of XXXX, and many more federal violations.
Consumer complaint received 2023-04-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (FL)

On XX/XX/XXXX th I contacted the merchant to dispute the validity of this debt because I wouldnt ever use a company like XXXX XXXX and the fact that its XXXX that means this card is designed for poor people I have outstanding cards and credit I never missed a payment in my life since coming to XXXX XXXX XXXX I XXXX this company and tried to let them know this debt doesnt belong to me they refused to treat it as a fraud case
Consumer complaint received 2023-11-24
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: FREEDOM FINANCIAL NETWORK (CA)

I am writing to file a formal complaint against Freedom Debt Relief, located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Since beginning my payments in the summer of XXXX, I have encountered significant discrepancies in the management of my account. 

The financial details of my interactions with Freedom Debt Relief are as follows : Total Deposits : {$72000.00} Current Account Balance : {$16000.00} Expected Allocation for Debts and Fees : {$44000.00} However, the settlements reached to date total only {$17000.00}, detailed as follows : {$6400.00} settlement for XXXXXXXX XXXX 
{$7900.00} settlement for XXXX XXXX. 
{$2700.00} settlement for XXXX. 
This situation has resulted in an unexplained discrepancy of {$27000.00}. My attempts to have Freedom Debt Relief address this issue have been unsuccessful. Additionally, they have recently locked me out of my account by resetting my password, preventing me from accessing detailed statements to provide as evidence.

This lack of transparency and denial of account access raises severe concerns about Freedom Debt Relief 's business ethics and practices. The potential mishandling of my funds and the obstruction in accessing my account information warrant a thorough investigation.

Given the substantial amount in question and the potential infringement on consumer rights and financial regulations, I am urging the CFPB to promptly investigate this matter. While I am currently unable to provide a copy of my statement due to the restricted account access, I am prepared to furnish further details and any available documentation. 

I appreciate your immediate attention to this distressing issue.