davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-11
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (ND)

I entered an agreement for a past due repayment plan in XX/XX/XXXX. I was sent the terms and conditions via email. I accidentally deleted this email and contacted Capital One on XX/XX/XXXX to request a copy. I was told it is not possible to send another copy and can only be verbally told the terms over the phone.
Consumer complaint received 2024-01-03
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. (NJ)

I just reviewed my credit reports and it shows inaccurate accounts. 

Please see the copy of my dispute letters that were already sent to the involved Bureaus. 

I have not received any responses yet
Consumer complaint received 2023-07-05
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. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

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. XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 15 U.S.C 1681 section A States i have the right to privacy. 15 U.S.C 1681 Section 604A Section 2 : It aslo 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 items of information, other than records of convictions of crimes which antedates the report by more that seven years .15 U.S.C.1681s2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has resonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-08
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WELLS FARGO & COMPANY (GA)

USE OF PROCEEDS Unless the applicable prospectus supplement states otherwise, we will contribute the net proceeds that we receive from the sale of our securities to XXXX  general funds that will be available for general corporate purposes, including, but not limited to, the following : investments in or advances to XXXX  existing or future subsidiaries ; repayment of obligations that have matured ; and reducing our outstanding commercial paper and other debt. 
Until the net proceeds have been used, they will be invested in short-term securities. 
Unless the applicable prospectus supplement states otherwise, Wells Fargo Finance LLC intends to lend the net proceeds from the sale of its offered securities to us and/or our affiliates. We expect that we and/or our affiliates will use the proceeds from these loans for general corporate purposes, including the purposes set forth above. 




This XXXX is telling me that wellsfargo sells XXXX  securities and make profit off of them and reinvest the funds back into the company. I would like my account to get re opened and i would like a open ended credit line.
Consumer complaint received 2021-02-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MO)

I have been a licensed loan originator with NMLS since XXXX. I have a mortgage serviced by PHH now it was with Ocwen. I applied and received a loan modification. And competed it. I ended up owing way more than my original mortgage. I just don't understand how this happens and I originate mortgages everyday. I originally had a mortgage for {$140000.00} since XX/XX/XXXX. I still owe {$100000.00} after being in the mortgage for over 25 years now. Please help me here. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-01-08
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WELLS FARGO & COMPANY (GA)

I am trying to get a line of credit to consolidate my debt but i recently got denied. Due to WELLSFARGO LLC Prospectus report, They may sell securities from time to time, and my application i filed was a security which was sold to a third party for money. So i would like my XXXX in credit line since i gave wellsfargo a security. 
We, Wells Fargo & Company, may from time to time offer and sell any of our securities listed above. Our wholly-owned finance subsidiary, Wells Fargo Finance LLC , also may from time to time offer and sell any of its securities listed above. We fully and unconditionally guarantee all payments of principal, interest and other amounts payable on any securities Wells Fargo Finance LLC issues. You should read this prospectus, the applicable prospectus supplement and any additional supplements to this prospectus carefully before you invest.
Consumer complaint received 2018-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have sent several letters to XXXX, Transunion and XXXX  on ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) requesting re-investigations into the accuracy of the account, XXXX  XXXX XXXX Mortgage. The credit bureaus did not verify the accuracy of the account and continues to report wrong payment histories, high balance wrong amounts, incomplete account number. When you look at the reports that I have included in this complaint, you will see that XXXX  is reporting that I have I was 90 days late in XX/XX/XXXX but XXXX  is reporting that I was 120 days late in XX/XX/XXXX ; XXXX  is reporting that I was " OK '' in XX/XX/XXXX, but Equifax reports that I was 120 days past due in XXXX XXXX. Transunion is reporting that I was 30 days late in XXXX all through XX/XX/XXXX. If I have requested multiple investigations in the accuracy of this account, how come these bureaus are reporting three different payment histories, along with different high balance amounts? I am being treated entirely unfairly and my credit rights have been violated. Please delete this report as these credit bureaus are not complying with the FCRA timelines for investigation or accuracy of accounts.
Consumer complaint received 2019-11-07
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. (LA)

THE CREDIT REPORTING AGENCY HAS BEEN NOTIFIED THAT I DO NOT KNOW OWE XXXX XXXX. DESPITE MY REQUEST TO INVESTIGATE AND FAILURE OF THE COMPANY TO DOCUMENT TO ME THAT I OWE THEM THE AGENCY HAS ALLOWED THIS TO STAY ON MY CREDIT REPORT.
Consumer complaint received 2023-08-08
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them 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
Consumer complaint received 2024-01-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Continental Finance Company, LLC (CT)

A payment in amount of {$100.00} posted to my XXXX XXXX ending XXXX on XX/XX/31 bringing the account balance to {$500.00}. The account has cycled recently, now showing a balance of {$610.00}. Recent activity does not show any recent purchases, shows interest in amount of {$14.00}, does not show any other transactions which would account for balance in amount of {$610.00}. It appears there is an error in crediting payment on XX/XX/31. I've checked with my bank, XXXX, they show payment cleared XXXX, screen shots attached to this complaint.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Commonwealth Financial Systems, Inc. (NJ)

Dear Sir or Madam, Data and Information on my credit report is inaccurate.Common Wealth Financial Systems and the credit reporting agencies, and companies they do business with needs to be put on notice for violating Federal Laws that protect consumers rights. 
I do not have medical issues or outstanding medical bills. 
I did not authorize permissible disclosures of my personal or health information to be shared shopped, and sold with businesses, banks, healthcare providers, and financial institutions. 
If Common Wealth Financial Systems and the credit reporting companies has already verified this data on my report, I'm required by law to receive an copy of verification. 
( Reported, Verified XXXX XXXX ) I need an copy of the original account with the medical facility, fees, my signature, and date. Also, include who was contacted, the agency or medical facility/insurance company, and how many times this account was sold. 
Please Note : My name is XXXX XXXX, I am not know as any other names. I this information to forward a copy to the State Board of Insurance with a formal complaint for them to investigate this issue and to seek damages violating consumers privacy and HIPAA laws. ) I will govern myself accordingly. 
Sincerely, - XXXX XXXX
Consumer complaint received 2019-11-07
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. (LA)

THE CREDIT REPORTING AGENCY HAS BEEN NOTIFIED THAT I DO NOT KNOW OWE XXXX. DESPITE MY REQUEST TO INVESTIGATE AND FAILURE OF THE COMPANY TO DOCUMENT TO ME THAT I OWE THEM THEY HAVE ALLOWED THIS TO STAY ON MY CREDIT REPORT.
Consumer complaint received 2024-01-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Lien release
Company: PENNYMAC LOAN SERVICES, LLC. (GA)

Request for Admissions To : PennyMac Mortgage XXXX XXXX Dear PennyMac Mortgage XXXX XXXX, I refer to the your care package received to end the year of 2023, a loan modification packet, in which You've failed to answer my requests point by point as required by law. Ive requested that you provide a proof of claim. I have attached a debt validation letter for acceptance. ( See attachment ) A copy of the security instrument is not a sufficient proof of claim as per U.C.C. - ARTICLE 3 -3-501 ( b ) 2 ( 1 ). Under this code, I am entitled to have the instrument presented to me as you are required to upkeep the legal document entrusted to you. 

Under USC Title 18 Chapter 25, you are engaging in counterfeiting and such behavior is a felony. Providing a photocopy of a security instrument is not only unconscionable but is illegal. I had asked for the visual inspection of the original promissory note, not a copy. 
You did not provide any proof to sufficiently satisfying your claim under U.C.C. - ARTICLE 3 -3-302 that you are a note holder in due course. 

You did not stipulate whether or not you were the holder in due course. 
You did not stipulate whether this loan was securitized as required by law. 

Therefore, you admit to the following : 1 ) You admit that you are a servicer of the promissory note. 
2 ) You admit that the loan has been securitized.

3 ) You admit that you are not a real party of interest in this controversy.

4 ) You admit that you are a debt collector and not the original creditor. 

Under the Federal Rules of Civil Procedure Rule 36, you are advised to notify me within 30 days should you wish to contest any of the above allegations with specific proof. Failure to do so means that you fully admit to all allegations as truth. These admissions will be used as evidence against you in any future controversy involving this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Bureau has failed to provide any documentation as to " proof of verification of information from the creditors '' in accordance with the provisions of the Fair Credit Reporting Act ( FCRA ) code 15 U.S.C. 1681. 
Every reporting account has filed a WRITE OFF - and has reported it to the credit bureaus. 
A write off is a cancellation from an account of a bad debt or worthless asset. Every company has failed to provide the 1099-C filed to accurately report a write off on a credit report. If a write off was reported the amount of the debt in question should reflect as 0. 
The amount reported are not accurate and not valid. 
fraudulent accounts have been kept on my report even after providing the FTC reports to said bureaus with remarks that the investigation was done, yet I have not received any proof of documentation for these allegations.
Consumer complaint received 2024-01-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (MD)

Dear Sir or Madam, I hope this message finds you well. I am writing to express my concerns regarding a refund from a closed account with Chase Bank. 

On XX/XX/XXXX of last year, my checking account was unexpectedly closed by Chase. I was not provided with any explanation for this action. Following the closure, I contacted their customer service and visited the bank in person on four separate occasions. Each time, I was informed that no details could be provided regarding the reason for the account closure. However, I was assured that the remaining balance of approximately {$900.00} would be refunded within one month. 

In XXXX, I received a statement confirming the closure of my account. Despite this, it has now been over five months, and I have yet to receive the promised refund. I have made several attempts to contact the bank, both through phone calls and in-person visits. Each time, I have been told that the refund is being processed and to patiently await its arrival. 

This delay has placed me in a precarious financial situation, as I am relying on these funds to pay my rent for the upcoming month. I kindly request your immediate attention to this matter and would appreciate a prompt resolution. 

Thank you for your time and assistance. 

Sincerely, XXXX
Consumer complaint received 2024-03-25
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. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-01-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/23, I instructed my financial institution to send a check to Bank of America to the credit of my private party mortgage holder 's account. On XXXX, the mortgage holder advised that the check was returned to her account, and I paid a second time. Subsequently, she provided a copy of what Bank of America sent her, and they claim the check was altered or fictitious. 

I went to my financial institution, XXXX and asked for proof of payment, which is attached. I then sent a letter to Bank of America, copy attached, with proof that the check cleared and requested that they reverse their error as the check was paid, and credit XXXX XXXX XXXX  account. 

To this date, no funds have been returned to her account or to my account, and Bank of America has not responded.
Consumer complaint received 2024-01-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: All Debt Solutions Inc. dba: 1st Class Agency (TX)

I was in a car accident and per the atty request to go to the XXXX. I was not at fault of the accident. The person at fault was to cover all accounts. Due to XXXX, I was not able to continue going to the doctor for fear of catching XXXX. The insurance company dropped the case and I never signed anything and now they are seeking money for a non recourse debt. The doctor office knew that this was for a car accident and that a third party was paying the bill. They tried to get my personal medical insurance and I refused to provide that. On top of that, each month they increase the amount by XXXX dollar for over 12 months but states this is in a debt collection and charged off.
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some inquiries. I have no knowledge of this and all is being investigated 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. Please delete these inquiries XXXXXXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2023-08-31
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. (WI)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-14
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: EQUIFAX, INC. (NC)

15 U.S. Code {$1600.00} c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt. I have attached my FTC Report to this compliant to prevent further stall tactics form.