davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-09
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (KY)

In XX/XX/XXXX I fell 2 months behind on my payment FHA loan to Wells Fargo. 
I applied online for the HAMP modification and began correspondence with a representative XXXX I have every thing ever promised in writing. 
He advised I cease correspondence with WF and sign a retainer with them at which point they would become the " representative ''. 
I would pay them a fee once their Underwriter approved it HAMP eligible. 
It took almost 3 months before my trial priod / retainer costs began at XXXX each payment. Of which i paid on time as agreed. 
Once that retainer period ended I received notification in an informal email telling me what i had been approved for by the lender being Wells Fargo and my new rate and terms. 
My initial rate was 3.875 % 30 year fixed They increased my rate to 4.25 or higher My payment which was XXXX and change then lowered to XXXX I was to make my first new trial payment to WF on XX/XX/XXXX of which i did. 
I then receive my bill for XX/XX/XXXX which states my XX/XX/XXXX payment was received but " unapplied '' It also stated that i was XXXX deliquent and my escrow now had a shortage due to non payment leaving my true new payment just under XXXX The paperwork was extremely demanding whereas online HAMP was supposed to be streamlined and fast. 
No one replies to me with written proof of the calculations used to determine the findings or result of such initial trial to Wells Fargo. 
Simply, if you do not sign with in 24 hours this offer will be null and void. 
I am seeking a class action law suit for borrowers who have attempted the HAMP loan and were not exactly helped but damaged tremendously from such actions. 
Because of the late payments now reporting on both my credit and my poor mother who helped me co sign ( since I was divorced ) they demanded i not pay I am now unable to apply for credit. 
Now, only to be left with a XXXX back payment on my note An Escrow Shortage A possibility of losing 50 % custody of my children if I have no home to provide. 

Regards, XXXX XXXX
Consumer complaint received 2017-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Someone has gotten a hold of my identity and opened XXXX account and applied for many ; wrote into all credit reporting agencies to dispute account and inquires, this has not been investigated, updated or removed. The XXXX account is XXXX XXXX XXXX XXXX credit cards and all non-account holding inquires. Every account that I applied for have been approved.
Consumer complaint received 2024-04-07
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. (GA)

XX/XX/2024, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' So if that's the case. How did the credit bureaus edify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2023-09-25
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (AP)

I lived in an apartment called The XXXX XXXX until our XXXX  XXXX  in XX/XX/2021. I paid the final payment prior to leaving, and there was no property damage. My last week living there they removed access to the online portal used to pay rent and it was no longer possible to pay anything or see any bills. About one year after this their parent company sent me an email asking for about {$260.00} dollars. I thought they were confused about me paying the final electric bill so i sent them my receipt and asked for more information. They sent a very vague bill just requesting extra rent money but did not m were not clear what time frame or reason for the request so i asked for a detailed bill. They never emailed me again. Now they have sent a debt collector who has requested even more money with no explanation and seems as though it could be a scam. I don't know what to do with them. Thank you
Consumer complaint received 2024-01-19
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 hope this letter finds you well. I am writing to express my deep dissatisfaction and frustration regarding the repeated attempts I have made to rectify the ongoing issue of late open accounts associated with my account. Despite my multiple efforts to resolve this matter, the problem remains unresolved, causing significant inconvenience and distress. 

I first noticed the late open accounts and since then, I have diligently contacted your company 's customer service department to bring this matter to your attention. During these interactions, I have provided all the necessary documentation and information requested, yet the issue persists, and no concrete action has been taken to correct it. 

The late open accounts issue has had a negative impact on my financial stability and credit score. I have faced undue stress and financial setbacks as a result of this unresolved problem, which should have been addressed promptly and efficiently. I have made timely payments and fulfilled all obligations on my end, and it is disheartening to see that my efforts have not been reciprocated. 

I am formally requesting the following actions to be taken promptly : Immediate correction of the late open accounts on my credit report to accurately reflect my payment history and prevent any further damage to my credit score. 
A written confirmation of the resolution, including the date when the correction was made. 
An apology for the inconvenience and stress caused by the repeated failures to address this issue in a timely manner. 
I understand that mistakes can happen, but I believe it is only fair that your company takes responsibility for its errors and takes the necessary steps to rectify them. I trust that this matter will be resolved promptly, as it is in both of our interests to ensure the accuracy of my credit report. 

If my concerns are not addressed within the specified timeframe from the date of this letter, I may have no choice but to escalate this issue further by seeking legal assistance or contacting relevant regulatory authorities. 

I sincerely hope that it does not come to that, and I look forward to a swift resolution of this matter. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXX XXXX Balance : {$280.00} ; XXXX XXXX XXXX Balance : {$8500.00} ; XXXX XXXX  XXXX Balance : {$20000.00}.
Consumer complaint received 2017-02-22
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

In 2008, Wells Fargo forced us to foreclose on our home located in XXXX, CA. We did everything we could at that time to get them to help us but we were not offered any assistance at all. At one point, a representative told us that since we were behind a payment the best thing to do would be just to move out of the house and not risk the police kicking us out! We begged them to work with us to allow us some sort of modification but they told us there was no alternative to paying the full balance of past due and currently due amounts owed. I called Wells Fargo every day for a period of 2 weeks to try to get someone that may handle things differently but each representative said the same thing to us. There is no option other than short sale or foreclosure. We ended up moving out and the house was auctioned in a foreclosure sale.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CT)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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 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 2024-01-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY (NY)

I had a TD Bank account that was closed for no apparent reason or explanation, after nearly one month and a half I cant get no one to tell me if my funds were mailed to me.

I live XXXX  so I cant just walk into a branch and would have to spend nearly a XXXX XXXX  to go back home. TD Bank is holding all my savings at this point and has me depending on friends to survive.
Consumer complaint received 2024-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (CA)

I declined a transaction. And they sent a text message saying that XXXX did not allow the transaction and. 
My funds should not have changed.They are telling me that the transaction is pending and I can not do anything until it clears. This is not what their text message says. They should have to pay me for everyday that they hold my funds illegally.
Consumer complaint received 2021-05-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have written several letters since XX/XX/2020 and there has been no acknowledgement of the dispute process even beginning. I recently puulled my report and discovered a few inaccurate misleading items. I was also made aware in the process that my information was compromised in the XXXX  data breach. Now more than ever I am convinced my information has fallen into the wrong hands. I have made several attempts to resolve this matter. Litigation is my next attempt to get these erroneous item removed from my report.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (TX)

This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2023-04-18
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)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 items and update them immediately in my report : XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$7000.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}.
Consumer complaint received 2024-01-19
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 trust this letter finds you well. I am writing to express my ongoing concern and dissatisfaction with the numerous attempts to correct the reporting of late open account on my credit report, which is maintained by three Credit Bureaus. Despite my concerted efforts to rectify this issue, the late open account persist, adversely affecting my creditworthiness. 

The late open account in question still appeared on my credit file and it have been inaccurately reported as opened late. I have attached copies of supporting documents such as Driver 's License, SSN, and POA, to substantiate my claims and demonstrate the incorrect reporting of this account. 

I have undertaken several steps to address this issue : I have submitted disputes through your bureau, providing detailed explanations and supporting documentation to contest the inaccurate reporting of this late open account. 

I have communicated directly with the creditors associated with this account, seeking their cooperation in correcting the reported opening dates. Unfortunately, these efforts have not yielded the desired outcome. 

I have followed the appropriate channels to dispute this inaccuracies multiple times, yet the late open account persist on my credit report. 

The continual reporting of late open account on my credit report has a profound impact on my credit score and financial opportunities. It is crucial that this matter is resolved promptly to ensure the accuracy and fairness of my credit report. 

I kindly request the following actions to address this issue : Conduct a thorough and comprehensive investigation into the reported late open account, verifying their accuracy and timeliness. 

Collaborate with the relevant creditors to correct this error by promptly updating my credit file to accurately reflect the opening dates of this account. 

Provide me with written confirmation of the correction within the exact timeframe from the date of this letter. 

Implement enhanced quality control measures to prevent the recurrence of such errors in the future, ensuring the accuracy of credit reporting. 

Advise me on any additional steps or information required from my end to expedite this process. 

I recognize the importance of accurate credit reporting in the financial lives of individuals and trust that your bureau upholds the highest standards of integrity and precision in this regard. 

I request a response to this letter within the exact timeframe from the date of receipt. Failure to address this complaint adequately may compel me to seek legal remedies and escalate this matter to relevant regulatory authorities. 

I appreciate your immediate attention to this serious matter and your commitment to resolving it to my satisfaction. I am asking for your assistance to correct this late open account in my credit file : XXXX  XXXX XXXX Balance : {$180.00}.
Consumer complaint received 2024-01-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (CA)

Consumer Financial Protection Bureau Dear Sir/Madam , I am writing to file a formal complaint against PayPal regarding the prolonged withholding of funds from my account. On [ date ], PayPal placed a hold on the amount of [ amount withheld ] in my account, and despite numerous attempts to resolve the issue, the funds have been withheld for over six months. 

This hold has had a significant impact on my financial stability and has caused undue stress and inconvenience. Despite my compliance with all relevant terms and conditions, PayPal has failed to release the funds or provide a satisfactory explanation for the extended delay. 

I have made multiple inquiries to PayPal 's customer support, and each time I have been met with vague responses and no clear timeline for the release of my funds. This lack of transparency and the extended duration of the hold have caused severe financial strain. 

I believe that this action by PayPal is unjust and in violation of fair consumer practices. I request the Consumer Financial Protection Bureau to investigate this matter and take appropriate action to ensure the prompt release of my funds and prevent such practices from affecting other consumers. 

Enclosed with this letter are copies of relevant documents, including correspondence with PayPal, to support my complaint. I am hopeful that the Consumer Financial Protection Bureau will address this matter promptly and provide me with a resolution. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-08-08
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: NAVY FEDERAL CREDIT UNION (FL)

To whom it may concern ; I have reviewed my credit report and the following items from your company has ran an on authorized credit inquiry on me. I never authorize such actions and this constitutes a violation of my rights under fair credit reporting act section 604, as well as a violation of my rights to privacy. Pursuant Section 604 you must furnish three pillars ; One being wet ink signature Two being contract of application Three Permissible purpose According to FCRA section 1681B subsection C this inquiry was not initiated by consumer unless all three pillars from section 604, FCRA are met.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I submitted a complaint to the bureaus and they haven't responded on it, it's been more than 14 days. They just ignore my disputes and I'm not happy about that, cause it's affecting my name, personal life. PLEASE HELP!
Consumer complaint received 2024-02-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Johnson Mark LLC (TX)

I would like the following from the debt collector, Johnson Mark LLC : Who was the original creditor? 
When was the account charged off? 
What was the balance at charge off? 
When did you acquire the account? 
How much do I owe to clear the debt from my credit report? 
How can I submit payment upon verification of the debt? 
Ive called XXXX on 3 different days and could not be connected to a representative. 
File XXXX
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be fradulent due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 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 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 XXXX XXXX XXXX