davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

I was placed on a 6 month payment plan with my mortgage company wells fargo due to an unforeseen temporary hardship last year. My first payment of {$3300.00} was to start in XX/XX/XXXX ending XX/XX/XXXX. During that period of time I was told by a representative of Wells Fargo that there was a {$5000.00} credit to be applied as payments to my account and that I should only make a payment in XX/XX/XXXX of {$1600.00}. When the next payment plan was due of {$3300.00} I paid and have paid according to the instructions of each individual I have spoken with at Wells Fargo. I made my last payment on the repayment plan on XX/XX/XXXX in the Wells Fargo Branch. I was told by Wells Fargo that I am past due four payments and that the {$5000.00} was a principal reduction and not posted to payments. the representative mislead me to believe that the money was being applied as payments. I asked why no one has notified me that the payments were reversed? I asked for a new payment plan and was told nothing can be done. Again I asked why no one contacted me and if it is documented that the representative gave me the wrong information they should be able to assist me. They now want to foreclose! In speaking with XXXX XX/XX/XXXX at XXXX am he informed me that he saw the notations and that yes it was improper information given to me. I asked that my issue bw escalated to a supervisor. XXXX escalated to a XXXX XXXX who informed XXXX nothing could be done. I was told that I need to come up with {$9400.00} in 14 days. All the while the payment plan and instructions from their representatives mislead me to believe that I would be current in XX/XX/XXXX. I am very frustrated that I did exactly what I was asked to do and I do not have the money to bring my account current.
Consumer complaint received 2017-04-06
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (TX)

I attended XXXX for two years in the late XX/XX/XXXX, incurring a student-loan debt of over {$13000.00}. I began paying the loan back almost immediately, through monthly payments to ( at that time ) XXXX XXXX. In the early XX/XX/XXXX, when my wife became XXXX and stayed home to raise our daughter, I deferred the loan. At that time I believe my remaining loan balance was around {$9000.00}. Upon resuming loan payments much later, I discovered that my new loan balance was now over {$12000.00} ( almost back to the original amount ). Still I kept paying ... Since XX/XX/XXXX I have been making payments through Navient, and have paid them around {$4200.00}, with a still-remaining balance of {$4100.00}. I 've requested a complete payment history of my loan since it was first incurred, but Navient can only provide me with data since they acquired my loan. I know for a fact that I 've paid back the original {$13000.00} amount through payments all these years, but ca n't confirm anything without a complete history, which no one can provide. I currently have no job and can no longer afford to pay, and much worse, I ca n't afford NOT to pay, lest my balance balloons right back to where I started. Please help!
Consumer complaint received 2023-12-17
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY (FL)

I don't know my account number with wells fargo auto loan, so I included my phone number of XXXX in that section. Please provide wells fargo with that information, last XXXX of my ssn XXXX, and email address to identify me : XXXX. 


In XX/XX/2023, my car was repossessed by Wells Fargo for failure to make payments. 

Today, I went to a dealership to try to get another vehicle financed, and, they informed me that WellsFargo still has my repo account listed as open, and, until they close that account, I will not be able to receive any financing from other companies. 

So why in the 5 months has this not been closed, and, why am I continued to be harmed by the failures of Wells Fargo finance. 

Previous to my car 's repossession, I had called Wells Fargo ( i believe XXXX was still active on one of the occassions as well ), and, they were unwilling to work with me on payments despites the hardships I encountered. 

As a XXXX American I find this unacceptable. They continue to harm me as a result of their unethical actions.
Consumer complaint received 2023-12-17
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. (GA)

I submitted a complaint with Experian Credit Bureau and I see now that the company XXXX XXXX XXXX XXXX XXXX, XXXX ) Do Not have license to collect debt in the state of Georgia. 
A Debt Collector in Georgia MUST comply with the Fair Business Practices Act. The FBPA requires debt collectors to obtain a license from the Georgia Department of LAW before engaging in debt collection activates, any debt collector violates the requirements of the Fair Business Practices Act in Georgia, there can be various consequences and remedies available. The FBPA is designed to protect consumers from unfair and deceptive practices, including Legal Action that could be taken out against the business that are in violation of this LAW.FCRA Law Section 623 ( a ) of the FCRA generally prohibits a person from furnishing inaccurate information to CRA. 

I need Engagement Lead/Canulation Specialist to call me directly. I have already submitted a complaint against the company and I want this to send over as well. The company DO NOT have license to collect in the state of Georgia. 

Please find the XXXX of XXXX XXXX where the company can only collect debt in these state. I demand that the account be DELETED Immediately or I will taken Legal action against Experian for violating my rights,
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent. Thus, their action has violated the Fair credit Reporting Act, 15U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-18
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. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax and XXXX 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 Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2023-04-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (FL)

Company sent an email stating account was delinquent. No loan was given, merchant reports Affirm declined purchase. 

I contacted Affirm, told that it was being taken care of. Complaint submitted as requested through Affirm website. Supporting evidence attached as requested. 

Debt dispute sent to Affirm via certified mail. No response. Account reporting on credit report as past due.
Consumer complaint received 2017-03-11
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (MA)

HSBC had a promotion where they would pay out {$350.00} to new checking account customers who made bill payments in 3 consecutive months to two different billers. Due to an error on HSBC 's part, my XXXX payment was not processed and I was advised that I could make a payment in XXXX and still qualify. After calling in XXXX, the CSR confirmed that I had met the requirements and I was told to wait 6-8 weeks from the qualifying transaction ( on XXXX XXXX ) for the bonus to post. The bonus still has not posted, and the customer service representative said they were still " working on it. ''
Consumer complaint received 2022-02-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Bureaus, Inc. (NJ)

Upon looking through my credit report and noticing an unknown debt collection. I reached out to the company via certifed mail with a letter asking to verify the debt. I sent the letter USPS Certified Mail ( Tracking Number XXXX ) on XX/XX/XXXX and The Bureaus located at XXXX XXXX XXXX, XXXX, IL XXXX received it on XX/XX/XXXX at XXXX am. Upon giving the company 30 days, I received statements ( XXXX XXXX ) from the alleged account. I reached out to XXXX XXXX about the account in question. I spoke with a rep named XXXX and he stated " the person who opened the account stated that the date of birth was XX/XX/XXXX and my date of birth is XX/XX/XXXX ''. Also he stated " that the account was opened in XXXX which is before I turned 18 years of age ( Which is a violation of their terms and agreements ). The conclusion is that the account was a result of identity theft. If the company ( XXXX XXXX and The Bureaus ) verifed all the information they should have notice the DOB does not match with mine nor was this account legal for them to open. This process should have been thoughly verified before adding on my credit report. I am willing to take all legal options, if this account is not removed from my credit report.
Consumer complaint received 2024-04-05
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. (TX)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Consumer complaint received 2023-12-17
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: Resurgent Capital Services L.P. (PA)

I contacted LVNV FUNDING LLC for 100 % VALIDATION and 100 % PROOF OF CLAIM and did not receive a response to the below listing on my credit report. 

LVNV FUNDING LLC Last reported XX/XX/2023 {$10000.00} Open balance XXXX XXXX XXXX XXXX XXXX Original creditor
Consumer complaint received 2023-12-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: WELLS FARGO & COMPANY (LA)

For more than a year, Wells Fargo has rejected all lawful tenders to pay off the mortgage or provide proof that they are the owner in due course of the note and the mortgage. They have refused to provide proof of the original signature on either the mortgage or the note. 

XXXX XXXX XXXX was the originator of the alleged loan, an in a conversation with XXXXXXXX XXXX they admitted that their books were balanced they day of closing and they did not suffer any decrease in their accounts on the day of closing. 

Under Dodd-Frank Act : the credit application was the credit and collateral for said loan security. SSA-89 form clearly states that they would receive funds even before the work would have begun. 

Neither Wells Fargo nor XXXXXXXX XXXX has provided proof of a loan to show either performance of providing funds to close. Neither has showed proof of the XXXX date the mortgage was placed in the XXXX XXXX. On XX/XX/XXXX, without any proof of a loan, our home was sold via XXXX XXXX in XXXX XXXX Louisiana Docket # XXXX, to an investor The XXXX XXXX XXXX, XXXX headed by a member of XXXX XXXX XXXX XXXX XXXX Department and his wife that is an attorney. 

Despite all the evidence provided to the courts, no one to this day has looked over the documents provided. The sheriff 's office arrived at XXXX on XX/XX/XXXX and said I had to be out of the residence by XXXX the following morning or forcibly removed. 

Under Tender Of Payment law, multiple tender 's were refused by Wells Fargo. A bill of exchange was finally delivered to the court and receipted into the case and was directed to be recorded into the Court Registry Investment System as full payment and settlement of the account. The courts kept the original deposit of the Bill of Exchange, they sent a copy of the original back under seal of the court. No action was taken to investigate the other evidence and documents of ownership, payment, or securities fraud pointed out. 

Under Louisiana TITLE 9 Civil code-ancillaries RS 9:5167 Cancellation of mortgage or vendor 's privilege by affidavit of notary or title insurer where paraphed note or other evidence is lost or destroyed No evidence of a true right to claim or foreclose has been provided.

Under 2019 Louisiana Laws Revised Statutes Title 10 - Commercial Laws 3-603. Tender of payment has been evidenced multiple times in the court records XXXX # XXXX XXXX XXXX XXXX, XXXX, Louisiana. 

The alleged loan, closing was XX/XX/XXXX ; the Wells Fargo assignment did not appear until XXXX, XXXX XXXX ) years later. Neither Wells Fargo nor XXXXXXXX XXXX could provide any proof of a decrease in their accounts on closing date. Neither could provide a cancelled check or deposit receipts for the loan. Not one document other than their reference to the HUD 1 statement, that does not show either produced any funds at closing to close the loan.
Consumer complaint received 2023-04-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (MA)

On XX/XX/XXXX, I applied for a XXXX XXXX  loan modification under the Covid-19 relief program for XXXX XXXX XXXX XXXX XXXX, MA. Mr. Cooper denied my application on the false basis that I did not deposit my rents from my tenants which I use to pay my mortgage. Mr. Cooper violated XXXX XXXX regulations when it denied me because I did show that I deposited my rents in my bank statements and also provided leases and tax returns. Mr. Cooper lied to me and broke the law even though I qualify for a XXXX XXXX loan modification so they could steal my house in a foreclosure auction which they subsequently scheduled for XX/XX/XXXX. I have children who rely on me to provide for them and I need my property so I do not become homeless. I feel that the Mr. Cooper want to take the equity in my home and does not care about homeowners it puts out on the street. On XX/XX/XXXX, I submitted a new loan modification application in which I circled my rent deposits. Mr. Cooper refuses to stop the foreclosure on my property. I need the CFPB 's help to stop the foreclosure and make Mr. Cooper follow the law and approve me for a loan modification so I can move on with my life. Please help me. XXXX XXXX.
Consumer complaint received 2023-12-17
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: SANTANDER HOLDINGS USA, INC. (GA)

these are unauthorized inquiries, and these transactions are not related to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-12-17
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

these are unauthorized inquiries, and these transactions are not related to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-20
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: CAVALRY INVESTMENTS, LLC (MI)

Cavalry Portfolio Services Cavalry does not have written consent pursuant to 15 USC 1681b based on my credit as a result of identity theft. Cavalry has failed to produce a judgment or the original contract with my signature, original creditor information and full payment history pursuant to FCRA Section 604 and 609 and has initiated litigation that was subsequently dismissed. Consequently, Cavalry made false claims to credit bureaus. My birth name is XXXX XXXX XXXX and credit was established as such XXXX. with XXXX and other consumer credit cards prior to XX/XX/2006. My married name is XXXX XXXX XXXX XXXX. Please delete any other references and addresses as they are not mine e.g. XXXX XXXX.
Consumer complaint received 2023-12-17
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (GA)

I am living in the state of XXXX and Fair Collection & Outsourcing, INC is NOT License to collect Debt in the state of Georgia. 
A Debt Collector in Georgia MUST comply with the Fair Business Practices Act. The FBPA requires debt collectors to obtain a license from the Georgia Department of LAW before engaging in debt collection activates, any debt collector violates the requirements of the Fair Business Practices Act in Georgia, there can be various consequences and remedies available. The FBPA is designed to protect consumers from unfair and deceptive practices, including Legal Action that could be taken out against the business that are in violation of this LAW.FCRA Law Section 623 ( a ) of the FCRA generally prohibits a person from furnishing inaccurate information to CRA.

I have provided Proof in this complaint and I DEMAND for the company to DELETE these accounts IMMEDIATELY. If Not, I will be taken Legal Action against the company.
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCS Financial Services, Inc. (SC)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' On my credit report there is multiply signs of identity theft. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' the financial institution and the Consumer reporting agencies XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Therefore I am opting out of your reporting services.
Consumer complaint received 2022-12-19
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602. This states I have the right to privacy. 15 USC 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666B, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.