davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: Guild Holdings Company (NV)

Guild Mortgage Company increased my monthly payment on a ( 30 year fixed loan ) in excess of {$360.00} per month. In addition to the increased monthly payment XXXX added fees for services not yet rendered, fees for services in excess of valid cost of service and fees for services not rendered at all. In addition, XXXX failed to remove the PMI upon request once the equity in my home qualified for the removal. XXXX exceedingly added fees and charges it required me to satisfy in order to avoid foreclosure. I was unable to cure the amount XXXX was demanding as it including {$9000.00} in fees for the trustee PRIOR to initiating a foreclosure. 

As a result, my home was foreclosed. An investor bought my home at the trustee sale. My mother who was in need of daily assistance with living resided in the property with me at the time of the trustee sale. She and I were forcibly removed without a moments notice. I was prohibited from even putting shoes on my feet. My mother and I were displaced from each other resulting in her to pass unnecessarily after suffering multiple strokes without medical attention. Her brain suffered too much damage for her to recover. 

The investor was given access to my home and ALL of my personal property. The movers threw a lifetime of personal possessions in a storage unit as if it were the dump. A lifetime of personal property was destroyed after the movers took what was of value for themselves. 

I am currently in the Nevada Supreme Court after the XXXX XXXX erred in judgment by dismissing the wrongful foreclosure case against XXXX. I hope this complaint is taken seriously and action is taken to prevent XXXX and other banks from predatory loan servicing with the intention to force a foreclosure thereby destroying my life.
Consumer complaint received 2023-12-06
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. (OH)

To Whom it may Concern, This is this complaint is submitted Under OHIO LAWU.C.C1319.12Takingassignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is voidable. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. Here are the accounts : 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 2023-08-02
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated (NV)

I am filing a complaint for Fraud on my W2Go Nevada Unemployment Debit Card.. I have not lost or had my card stolen. The card mentioned is in my possession. I live in XXXX, Nevada and have not traveled to California for years. On XX/XX/XXXX I was in XXXX AZ for a XXXX XXXX Appointment. It was a day trip returning the same afternoon. That was the only day I was out of town for the month of XX/XX/2023. I live alone, no one has access to my safe, to my cards, my pin number or any authorized use of such. I was informed by W2Go customer service on XXXX that when I filed the fraud complaint on XX/XX/2023 that the card was suppose to be cancelled at that time and the customer service representative failed to do that. Otherwise we might not be talking about additional fraud on my card.
Consumer complaint received 2023-10-31
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. (IL)

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.

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 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc. (GA)

Aidvantage will not update my XXXX credit report to show my balance as XXXX. My student loans were transferred to XXXX in XX/XX/2023. I no longer have a balance or open account with Aidvantage. 

Total Balance showing is {$150000.00}
Consumer complaint received 2024-04-02
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: Experian Information Solutions Inc. (GA)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 
Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 

XXXX has violated my rights. 
XXXX XXXX XXXX  ( # XXXX ) XXXX  XXXX ( # XXXX ) XXXX HAS VIOLATED MY RIGHTS XXXX  XXXX ( XXXX ) TRANSUNION HAS VIOLATED MY RIGHTS XXXX  XXXX XXXX XXXX XXXX  ( XXXX ) XXXX  XXXX ( 1682 ) 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 furnish accounts without my written Instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (FL)

To : Resurgent Capital Services AND LVNV Funding LLC AND XXXX XXXX XXXX XXXX XXXX I write to advise you that I plan to file a lawsuit against you in the United States XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX due to your multiple and ongoing willful violations of the FCRA and FDCPA. I need you to provide me with a list of options and preferred options to have the Summons and Complaint served upon you. Please advise me of your registered agent name, address and phone number for service of process in Florida AND all branches, offices, agents, attorneys or representatives in XXXX XXXX, Florida and in any other counties in Florida who can and are authorized to accept service of process. Moreover, after filing a lawsuit, I plan to send you a Notice of a lawsuit and request to waive service of a summons to reduce costs of service and provide you with additional time to respond. This may provide you with additional time to respond, instead of 20 days. For your convenience, please provide me with your preferred address to send such Notice with the Complaint, such as your Legal Department. Local Rules of the XXXX XXXX XXXX XXXX Florida require your counsel to confer with me before filing even routine motions to ascertain whether I oppose or unoppose a motion. If your counsel files a Notice of Appearance before a Clerks Default is applied for and needs an enlargement of time to file responsive pleadings, you may file a copy of this document representing to the Court that I do not oppose up to a 30 day enlargement of time to file responsive pleading to comply with the Rules obligation to confer. However, If you do not provide me with the information requested above and you are properly served with a Summons and Complaint, I will promptly at the earliest date possible file an application for a Clerks Default and a Motion for a Default Judgment.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. I have made contact with XXXX, XXXX and TransUnion 45 days prior to filing a complaint. I have yet to receive a response. 

section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report. 

Accounts :XX/XX/XXXX Bankruptcy XXXX I have made contact with the court house and they have reported to never filing a XX/XX/XXXXBankruptcy.
Consumer complaint received 2023-09-02
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. (FL)

I recently viewed my personal credit and without my authorization or me benefiting from these acts of knowingly and willingly proceeding without my written consent I found that there has been multiple violations of 15 usc 6802 15 usc 6802b 15 usc 1692 c ( c )
Consumer complaint received 2023-11-01
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (CO)

I had several fraud charges on my Wells Fargo checking account that brought its balance down to below XXXX, which triggered overdraft cash advance protection from my Wells Fargo Autograph credit card on XX/XX/2023, with a Description of " OVERDRAFT TO XXXX '', Ref. : " XXXX '', which later on got reversed on XX/XX/2023, with a Description of " ADJUSTMENT-CASH ADVANCES '', Ref. : " XXXX '' since the checking account was refunded due to Wells Fargo determining charges on checking were fraudulent. This should have been the end of the whole process. 

But unexpectedly, as shown on the XXXX credit card monthly statement issued by Wells Fargo, another reversal can be seen on XX/XX/2023, with a Description of " OVERDRAFT REVERSAL '', Ref. : " XXXX ''. But also, another cash advanced got randomly triggered on XX/XX/2023, with a Description of " XXXX XXXX '', XXXX. : " XXXX ''. 

Cumulatively, there have been two cash advances and and two reversals triggered automatically by Wells Fargo 's system, all in the amount of {$490.00}, netting a {$0.00} charge on the account. 

But what ended up happening was, Wells Fargo unilaterally decided to count the {$480.00} of my current credit card balance as " Overdraft Advance '' despite the fact that I have never used this service other than the aforementioned advances and reversals due to Wells Fargo 's system. Wells Fargo decided to charge me interesting during XXXX 's, XXXX 's, XXXX 's, and XXXX 's statements, in the amounts of {$12.00}, {$12.00}, {$12.00}, and {$12.00}. Although they did refund me XXXX 's interest charge after several phone calls with them. 

But the root cause still has not been resolved to this day, their system is still counting a balance of {$500.00} as cash advance, this balance has since slightly increased due to interest charges and payments. After numerous calls, many of which lasting for close to an hour, with their customer service who claimed they had submitted a case to their executive office named " Customer Advocacy Group '', their executive office confirmed on XX/XX/2023 that this issue still has not been resolved and they've never received a new case apart from the case they received in XXXX. A new case numbered " XXXX '' was opened by XXXX of their persons in " Customer Advocacy Group '' on XX/XX/2023. But at this point, I have very little confidence that they will properly correct this issue. 

In conclusion, Wells Fargo obviously violated the user agreement of this card and did not do their due diligence in resolving this issue, letting erroneous interest charges to go uncontrolled and unmanaged against the customer, myself. The unbelievably long time from XXXX to XXXX that was given to them to resolve this issue also reflects their inaction. 

The statements of XXXX, XXXX, XXXX, XXXX, and XXXX have been attached in this complaint for reference.
Consumer complaint received 2023-09-26
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: Experian Information Solutions Inc. (FL)

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX  XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021.
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (TN)

XXXX this company reported that this account was closed by grantor and this account was charged off. And also reported a late payment for XX/XX/2023 and XX/XX/2023. That is not true I called and closed this credit card myself cause i no longer use this card .When i closed this card XX/XX/2023 it was in good standing with XXXX balance and no late charges this year at all .Thank u
Consumer complaint received 2023-06-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

On XX/XX/2023 I drove from my home to the Bank of America in XXXX XXXX, Minnesota to retrieve my military pension in the amount of {$2600.00} and my VA XXXX pay in the amount of {$3500.00} and consolidate with other benefits to pay for my mortgage payment for my house in XXXX, Minnesota and I was told that my funds with the bank were closed and they would not give a reason why the accounts were closed. It has cost me {$50.00} dollars in fuel costs to get to the banks using my bank card from another bank. I would like a reason why they closed my account.
Consumer complaint received 2019-07-14
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (AZ)

This account is reported as being paid on time in XXXX of 2013 yet 90 days past due between XXXX - XXXX of 2013 ... which is incorrect. This vehicle was traded in and paid off in XXXX of 2013. Please correct this or remove it from my report. 

I have sent letters to GM Financial requesting an accounting of all payment up until the loan was paid off in XXXX of 2013 and have NEVER received a response.
Consumer complaint received 2023-09-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX : {$16000.00} XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$16000.00}
Consumer complaint received 2023-09-26
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: Experian Information Solutions Inc. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX : {$16000.00} XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$16000.00}
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.
Consumer complaint received 2024-04-02
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. (MI)

XXXX XXXX XXXX is reporting a collection account or my consumer credit file I have tried several times to dispute this collection account with them, but they have not responded to any of my messages. After asking them to provide the full name and Social Security of the person and whom, this account belongs to I have realized that the name on this account is not me this account belongs to a XXXX XXXX XXXX XXXX which is not me, and this name is not present on my credit file. please remove this incorrect information and this collection account immediately. 

XXXX XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$430.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX XXXX
Consumer complaint received 2023-11-02
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (CA)

About 1 week before the offer to earn {$30.00} expired ( XX/XX/2023 ), I called the customer service line to confirm that the 5 transactions outside your family of brands requirement was met. Your customer representative confirmed that I met this requirement. 
Then, she proceeded to tell me it is also a requirement for me to contact XXXX Credit Card that I intended to pursue this offer. I communicated this condition was not written on the offer. She said that there is a new bank handling this card and it is now a requirement. 
As I never received another communication changing the original offer, I request you honor the offer mailed to me and attached. 
Please respond 30 days after receipt of this letter.
Consumer complaint received 2023-09-26
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: Experian Information Solutions Inc. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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