davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation XXXX Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : XXXXnformation Referral AND IRS form XXXX : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2024-01-16
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: AMERISAVE MORTGAGE CORPORATION (FL)

On XX/XX/XXXX, I applied for a mortgage forbearance due to a family illness causing financial hardship. I promptly contacted Amerisave before the next payment was due to explore assistance options. I submitted the necessary documents on XX/XX/XXXX and provided additional paperwork on XX/XX/XXXX. At that time, I was assured by XXXX employees that no late charges would accrue during the pending forbearance, and it would take XXXX  days for a decision. However, Amerisave took more than XXXX  days to make a determination, and late fees were still assessed, despite the prior assurances. On XX/XX/XXXX, I received information about the forbearance, and I promptly sent the required amount via a XXXX-signed money order on XX/XX/XXXX. Amerisave received the payment on XX/XX/XXXX, signed by XXXX. When I requested written confirmation that I met their terms, Amerisave declined to provide it and denied my request to speak to a manager. I am concerned because previous complaints against this mortgage company have revealed a pattern of not honoring verbal agreements and even leading to home foreclosures due to mishandled forbearance requests. Additionally, consumers have reported issues with late fees and negative credit reports due to inaccurate information provided by the mortgage company. 


On XX/XX/XXXX, I spoke with XXXX and she inquired about my situation and asked which option would I like to take care of the XXXX months. I opt 'd for the XXXX  months to be placed at the end of the loan. XXXX stated she would send me the documentation and I needed to provide it within XXXX days. It has been XXXX weeks and I have not received any documentation. On XX/XX/XXXX - I contacted my lenders loss mitigation department and spoke to XXXX. She informed me that I would not be receiving such documentation until after the forbearance expired. I explained to her per section XXXX of the agreement that would make me ineligible for any loss mitigation options if the agreement expires. Additionally - that would cause a negative reporting on my credit afterwards. The representative stated that is their process and when I advised that would mean they are breaching their own contract and jeopardized my credit. She stated I can attempt to request for it to corrected after the fact. I asked for a supervisor and she told me one was not available and to email them. 

I am concerned because the lender has numerous negative reviews on deceptive practices. I have adhered to and complied with the terms of the forbearance and the lender should as well. That includes them providing me with the required paperwork and processing it in a timely manner. Not waiting until after my agreement expires to then demand total balance due and effecting my credit report.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (CT)

15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Wells Fargo Dealer SVC, the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent.

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given you that was written, unwritten, verbal, or nonverbal per 15 USC 6802. Any and all consent to XXXX, XXXX, Wells Fargo Dealer SVC whether it be verbal, non-verbal, written, implied or otherwise is revoked. According to 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2023-05-04
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. (TX)

I have been a victim of identity theft and that no one seems to care, that I want to disputespecific records in my credit file that do not belong to me, or that I have signed anyagreement. The items I'm challenging have nothing to do with any transactions I've done orauthorized to gain products, services, or money. Please remove the following items : XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance {$0.00} ; XXXX Balance {$0.00} ; Bankruptcy XXXX XXXX discharged Date XXXX Reference # XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXXXXXX Balance {$0.00} ; XXXX Balance {$0.00} ; XXXX XXXXXXXX Balance {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-11-10
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. (CA)

In accordance with The Fair Credit Reporting Act : this, XXXX XXXX  {$1700.00} Account : XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The Numbered Account attached to this dispute violates my rights.

15 USC 1681, section 602 A. States I have the right to privacy.

15 USC 1681, section 604 A section 2 : it also states, a consumer reporting agency can not furnace an account without my written instructions.

15 USC 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 USC 1681 s ( A ) ( 1 ) a person shall not furnished any information relating to a consumer to any consumer reporting agency if the person knows or a has reasonable cause to believe that the information is in accurate.
Consumer complaint received 2017-04-03
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

In mid XX/XX/XXXX, my wife suffered a tremendous accident and was diagnosed with a medical condition making it impossible for her to work causing a horrendous hardship. In addition I lost my full time job due to the care I had to provide to my wife. I desperately call my lender Wells Fargo Home Mortgage requesting assistance with my loan and they refused to help due to my loan being current. 

I was astonished in shock when the representative of Wells Fargo advised me to stop making my mortgage payment it was the only way to assist me, I was informed that after three months they would help me with a modification under the ( HAMP ) Making Home Affordable program, I proceeded with their instructions and stopped making my mortgage payment, for several months I began to fax all requested documents in addition they had me notarize the documents we faxed to the modification department. I was constantly transferred to different Wells Fargo Home Mortgage representative and agents. I was XXXX, anguish they kept denying my request for a modification, Wells Fargo Home Mortgage instruction had been to stop my mortgage payment and they would help me, it has become a nightmare. I continued to plead with them for a loan modification but to no avail. 

I want to file a SECOND complaint against Wells Fargo Home Mortgage for the deceitful, dishonest, lies and corrupt, method they apply for a loan modification in order to deny the ( HAMP ) - Making Home Affordable Program and any loan modification after I was assured I would be eligible for a loan modification if I followed their instructions and I did Wells Fargo Home Mortgage has lied by making me believe I could trust them with my home loan. I believe this is clearly a violation of the HAMP program code 1.1.3 HAMP Tier 2 Eligibility and Tier 3. Additional Factors Impacting HAMP Eligibility and the program codes 3.1 & 3.2 ( Protection Against Unnecessary Foreclosure ) - ( Suspension of Foreclosure Proceedings in Process ) and pursuant to section 101,108 and 109 of the Emergency Economic Stabilization Act of XX/XX/XXXX and the Foreclosure Relief Act of California SB 1137 which I fall within the aforementioned guidelines. 

I also consider they are violating The Truth In Lending Act - TILA. This federal law was enacted in XX/XX/XXXX with the intention of protecting consumers in their dealings with lenders and creditors. The Truth in Lending Act was implemented by the Federal-Reserve-through-a-series-of-regulations.
Consumer complaint received 2023-03-17
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. (AL)

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. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 : 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 2024-01-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (VA)

I am writing once again to bring to your attention a persistent issue I have encountered with LVNV Funding LLC, also known as Resurgent Capital Services, which has adversely affected my credit profile. I want to highlight that I lodged a complaint with this firm ( CFPB ) on multiple occasions. However, the responses from LVNV Funding have lacked credibility, and my request for a signed contract has been met with an unsigned duplication from 2018. Moreover, the statements provided have not shown specific charges or any acknowledgment from me regarding the account in 2018. 
Despite my efforts to resolve this matter through various channels, it seems that, as a consumer, I have limited rights or advocacy. It appears that as long as the company responds, regardless of the validity or accuracy of their response, they can continue to adversely impact my credit. Even XXXX, the credit bureau XXXX, acknowledges the questionable practices of LVNV Funding but claims to have no alternative but to report the information provided. 
I want to emphasize that XXXX is the only bureau that persists in reporting inaccurate information despite my repeated attempts to obtain the requested information. In contrast, both XXXX and XXXX have ceased reporting this matter, acknowledging its unfounded nature and the unethical practices involved. This disparity underscores the urgency and significance of promptly addressing this issue. 
I am reaching out to you with the hope that you can once again discern the gravity of my situation and may be able to provide assistance and advocacy on my behalf. It is disheartening that, thus far, no one seems to care or offer guidance in addressing this concerning situation, allowing this company to persist in its questionable practices. In my pursuit of support, with the ultimate goal of having this unsubstantiated debt removed from my credit profile, I have also sought assistance from the Office of the Attorney General and the U.S. Government XXXX XXXX. My commitment to raising awareness on this issue persists, not only for my own resolution but also for others who may have fallen victim to the unethical practices of LVNV Funding.
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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  Account number : XXXX Account name : XXXX XXXX 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 2023-02-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

XXXXXXXX XXXX XXXX is reporting that I owe XXXX $ which is incorrect I have requested Experian verify this correct and remove it if it cant be verified please this is the fcra. Thanks in advance I also turned in a ftc report for the inquiries in my report
Consumer complaint received 2024-01-16
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. (NC)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2022-11-27
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. (MS)

n accordance with the Fair Credit Reporting act XXXX  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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-01-16
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. (CA)

I have an XXXXXXXX XXXXXXXX XXXX and XXXX XXXX XXXX credit card which are through XXXX XXXXXXXX XXXX 

This is a formal complaint against XXXX XXXXXXXX XXXX for their violation of my rights under 15 USC 6802, 15 USC 1681, 12 CFR 1016.7, and the Privacy Act of 1974. I believe that the bank has unlawfully shared my personal information without my explicit consent, and this action is a clear breach of the aforementioned statutes.

Details of the Violation : Unauthorized Sharing of Information : I recently discovered that XXXX XXXXXXXX XXXX has shared my personal information without my explicit consent. This sharing of information has serious implications for my privacy and may have repercussions on my financial well-being.

Violation of 15 USC 6802 : The bank 's actions are in direct violation of 15 USC 6802, which prohibits the unauthorized disclosure of nonpublic personal information by financial institutions. XXXX XXXXXXXX XXXX falls under the category of a financial institution, and the unauthorized sharing of my information is a clear violation of this statute. 
Violation of 15 USC 1681 : Additionally, I believe that XXXX XXXX XXXX  has violated 15 USC 1681, the Fair Credit Reporting Act ( FCRA ). This statute outlines the responsibilities of credit reporting agencies and ensures the accuracy and privacy of consumer information. The unauthorized sharing of my information compromises the integrity of this system. 

Violation of 12 CFR 1016.7 : XXXX XXXXXXXX XXXX is also in violation of 12 CFR 1016.7, which establishes certain limitations on the disclosure of nonpublic personal information by financial institutions. The bank 's unauthorized sharing of my information goes against the provisions outlined in this regulation. 
Violation of the Privacy Act of 1974 : The Privacy Act of 1974 mandates the protection of personal information held by federal agencies. While XXXX XXXXXXXX XXXX may not be a federal agency, the act 's principles are crucial in ensuring the security and privacy of individuals ' data. The unauthorized sharing of my information constitutes a violation of the Privacy Act 's core principles. 

Furthermore, I want to highlight that XXXX, Equifax, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX and other nonaffiliated third parties have received my personal information without my approval. I did not consent to the sharing of my information with these entities, and their involvement exacerbates the breach of my privacy. 

I request that the Consumer Financial Protection Bureau thoroughly investigates this matter and takes appropriate action against XXXX XXXXXXXX XXXX. I also request that the agency informs me of the findings of the investigation and any steps taken to rectify the situation. 

Thank you for your prompt attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary actions to uphold consumer rights and protect against such privacy violations.
Consumer complaint received 2024-01-16
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the XXXX credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-16
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. (FL)

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.

Im the victim of an identity theft.I didnt authorize any of the following hard inquiries.Hard inquiries should only be made on my credit reports with my permission and clearly wasnt XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXXXXXX XXXX XXXX ( Auto ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX ( Auto ) XXXX XXXX XXXX XXXX XXXX XXXX ( Auto ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
( Miscellaneous ) XX/XX/XXXX Has violated my rights.