davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY (NJ)

Wells Fargo did a loan modification of the principal balance which we did not agree to. 

We confirmed deferred payments added to the end of the current Maturity date with XXXX in XXXX XXXX in XX/XX/XXXX. 

The loan modification was done without our consent nor with any prior information from Wells Fargo and we were not informed of the deferred payments principal balance being added to the original principal until XX/XX/XXXX. 

Wells Fargo can not add the deferred principal payment to the principal value! They are lying when they say they the total amount that will be paid has not been affected. It has been affected. They have added over {$18000.00} to the total amount of the mortgage. 

We've been going round and round with them. Here 's the content of the fax I just sent to XXXX : FAX TO : Wells Fargo Home Mortgage XXXX : XXXX XXXX XXXX : XXXX From : XXXX XXXX RE : Account # ending in XXXX Dear XXXX, Per your request, XXXX in Home Preservation confirmed that the Covid deferred payments would be moved to the end of the loan not added to the principal balance. 

At no time did you ever warn us that instead of being deferred, you would be adding the deferred payments to the principal. The first notice we received was on a statement after we resumed payments. 

You can not add the principal portion of the payments to the principal. That is a loan modification which at no time did we ever agree to. 

Please remove the second principal balance and defer the payments to after the current maturity date of XX/XX/XXXX per the information Wells Fargo sent to us during the Covid forbearance process and as we agreed upon with your agents. 

Further correspondence is requested to be electronically sent to : XXXX Thanks, XXXX XXXX
Consumer complaint received 2023-08-28
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)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information that is found to be opened due to identity theft. 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX  Balance : {$0.00} ; XXXX XXXX  Balance : {$2400.00} ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-02-07
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: World Omni Financial Corp. (NJ)

I leased a Toyota XXXX  from South East Toyota Finance to be used by me and my father at a house I had in XXXX. My dad has health issues and isn't in XXXX anymore, so the car is unnecessary. I checked on the value of the car vis a vis the remaining payments and determined I had equity in the car, so I reached out to local dealers in NJ and found one willing to buy it. South East Toyota Financial is refusing to take the payoff and transfer title ( they told me they would not ). It is not clear to me why anyone would not take payment in full, other than to keep me paying an interest rate higher than the current market or they are trying to control sales of used Toyotas. They are making a stretched reading of the lease in my opinion- it does not include anything that says a third-party can not pay off the lease and receive title. This just doesn't seem fair. 

I have attached the lease. All other discussions were by phone ( and took a long time to reach anyone, which is a problem in itself ).
Consumer complaint received 2024-02-08
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (TX)

This is in regards to the Wells Fargo auto loan XXXX. I spoke with Wells Fargo on numerous occasions to inquire about the late payments on this account. I spoke with XXXX from Wells Fargo deferment department during these periods and advise him and the department that not only did I have XXXX in XXXX but I was laid off during these periods from 2 separate jobs due to unforeseen company closings. The late payments I am referencing are XXXX, XXXX, XXXX and XXXX of XXXX & XXXX. I was unemployed and struggling financially to keep up with my payments. I was still able to manage to make my payments within that time but they were late. Upon speaking with the deferment department I advised them of my current situation and they were more than willing to work with me on this matter and also advised me that I could in the near future once my loan has been paid back to reach out to Wells Fargo Corporate to have the late payments removed. I have since sent numerous letters to Wells Fargo corporate office and have not heard any response. I have been asking for Wells Fargo to please remove these negative marks from my Credit as I am in the process of purchasing a home for me and my family and these marks are hurting me a negative way. If you could please consider my request I would appreciate it very much. During those time periods I was experiencing temporary hardship and still trying to re-establish my family after recovering from the XXXX pandemic. I am now back on track 100 % with stable income and I am looking to build a stable future with my family. Thank you for your consideration into this matter.
Consumer complaint received 2024-02-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I have a Bank of America VISA Travel rewards card.The card is meant to be used during travel.I am in XXXX and have been using the card to make purchases. Some go through and others i have to call their helpline number and get the transaction validated. 
Today ; i tried to make a purchase and it failed. So i called their number again. The lady asked me a few details to confirm my identity and asked me ti retry the transaction. After i retried the account got locked and wont allow me to do anything or even pay my due bill. They are asking me to visit a BOFA branch in person with two copies of proof.This is not possible since i am in XXXX and not sure when i will go back. 
Date of Transaction : - XXXX XX/XX/2024 ( maybe it was XXXX in the XXXX ; in XXXX it was XXXX ) Merchant : - XXXX Amount between XXXX $ and XXXX $ depending on local or USD. 
The issue are as follows : - 1.The helpline operator shouldn't have asked me to retyr the transaction without being aware of the ramifications in the first place.

2.They wont allow me to pay my card due amount ( around XXXX $ ) so that i wont incur interest in the meantime. 
3.They have no alternatives or workarounds ; when this is their issue to begin with in the first place.

4. All i want to do now is close the account and pay my due so that it doesn't incur interest.
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (MO)

Had XXXX XXXX XXXX XXXX  XXXX XXXX for many years and in XXXX changed creditor to Comenity. In XX/XX/XXXX, after about a month after Comenity had account a late charge from XX/XX/XXXX. I have perfect payment history and had no late payments showing until a year later. This was brought to my attention through credit monitoring due to dropping my credit score about 75 points. Immediately I reached out to Comenity to only have associates disconnect calls. After starting a dispute through XXXX I reached back out to Comenity and after transferring my call back stateside I finally submitted a dispute but was advised 45 day turn around. This seems unacceptable that they have tarnished my credit without any reasonable cause and will not correct timely. Please help.
Consumer complaint received 2023-08-27
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. (WI)

On XX/XX/2023 I submitted a identity theft report, with a dispute letter and with my ID/ ssn card for verification for Transunion XXXX block the inquiries that are remaining on my report due to identity theft. They have decided not to comply with my request which is a violation under 15 USC 1681 c-2.
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: EQUIFAX, INC. (GA)

Ive just reviewed my credit report and noticed the following inaccurate item ( s ) : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX Account : XXXX This letter is in response to your recent claim that the account ( s ) listed above have been verified and that the information they are reporting under my name is accurate. 

I previously disputed this account. I dont agree with the results of your investigation. Please mail me the proof of your investigation, including person names you have contacted, addresses and the method you used to verify it, or remove the negative information. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information must be provided within fifteen ( 15 ) days of the completion of your investigation. 


Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-01-05
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. (WA)

In the course of reviewing my credit report, I spotted some inaccurate and fraudulent accounts that need reporting and correction through your company.

Please see the attached PDF file on this complaint. These are the letters I submitted to the involved Bureaus and my personal documents attached to it.
Consumer complaint received 2023-12-28
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. (NY)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2024-04-12
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. (NY)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

Complaint against Experian, XXXX, XXXX, and XXXX  XXXX for non-compliance with the Fair Credit Reporting Act Dear Sir/Madam, I am writing to file a formal complaint against Experian, XXXX, XXXX, and XXXX  XXXX for their failure to comply with the requirements of the Fair Credit Reporting Act ( FCRA ) concerning the investigation and resolution of a disputed late payment on my XXXX  XXXX credit card account. The singular late payment in question is reported for the month of XX/XX/XXXX on Experian and XX/XX/XXXX on XXXX and XXXX. As a result, it has been viewed as two 30-day late payments by creditors that have turned me down for service. As a result of my information being hacked, I had limited access to my account for the month of XXXX and XXXX due to unauthorized access through an internal cyber attack by an XXXX software Engineer " XXXX XXXX '' that was found guilty in XX/XX/XXXX for the commission of a cyber attack against XXXX  XXXX and other banks utilizing XXXX 's data centers Between XXXX and XXXX of XXXX, I submitted a dispute to all three credit bureaus and XXXX  XXXX regarding the inaccurate late payment, informing them of the cyber attack that affected my account, and that they reflect different dates on each report. Under the FCRA, 15 U.S.C. 1681i ( a ), the credit bureaus are required to complete their investigation and provide a resolution within 30 days of receiving the dispute. However, it has been more than 30 days since I filed the dispute, and none of the credit bureaus have provided me with any information, or a resolution of the matter.

As per the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ), if a credit bureau fails to complete the investigation within the stipulated 30-day period, they are required to promptly delete the disputed information from the consumer 's credit report. In light of their non-compliance with the law, I request the immediate removal of the inaccurate late payment from XXXX XXXX from my credit reports, as it is adversely affecting my credit score and causing me financial harm. 

I have already tried to resolve this issue directly with Experian, XXXX, XXXX, and XXXX XXXX but they have not taken the necessary steps to rectify the situation. As such, I am seeking the assistance of the Consumer Financial Protection Bureau to ensure that the credit bureaus adhere to the FCRA and remove the inaccurate information from my credit report as soon as possible. 

I appreciate your attention to this matter and look forward to your assistance in resolving this issue. If you require any further information or clarification, please do not hesitate to contact me via phone at XXXX or email at XXXX. 

Link to the Cyber Attack Explanation from XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Sincerely,
Consumer complaint received 2023-11-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I reject your decision to decline my identity theft claim. What gives you the authority to decide if I've been a victim? You do not possess the legal standing or any right to make such a determination. If you continue to deny my claim, I will enlist the assistance of my attorney to seek a legal resolution. It's crucial to emphasize that my identity theft claim fully adheres to the law. I have submitted an official report to a federal agency as dictated by legal procedures. Let 's collaborate to resolve this issue within the stipulated XXXX timeframe. How can it be that your bureau dares to dismiss my legitimate claim? Who are you to sit in judgment, claiming to know better than I whether I have been a victim of identity theft? Your refusal is not only maddening but an affront to decency and fairness. I want to make it unequivocally clear that I am not about to let this gross XXXX of justice stand. If you persist in denying my rightful claim, be prepared to face the consequences. I will not hesitate to engage my attorney and pursue a legal remedy to rectify this outrageous situation. I insist that you recognize that my identity theft claim has been meticulously processed in strict accordance with the letter of the law. I have diligently submitted an official report to a federal agency, as required by the legal procedures governing such matters. There is no room for ambiguity here. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX JPMCB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It is paramount that we resolve this matter promptly, within the 5-day timeframe mandated by law. I demand immediate action and a written acknowledgment of this dispute letter. My frustration and anger are beyond measure, and I am resolved to see this blatant injustice rectified. The law is on my side, and I will not rest until justice is served.
Consumer complaint received 2016-06-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Nationstar refuses to communicate with me regarding my mothers loan in which I am the Grantee. I have provided them copies of the Quitclaim Deed and informed them of my mothers passing and that I would like to do everything possible to save the home as I have been living here and plan to live here. There is a current auction on the property
Consumer complaint received 2023-09-13
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)

XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX In accordance to The Fair Credit Reporting Act, the accounts listed above 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 also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have a Bankruptcy report on my credit report. I'm reaching out for assistance to REMOVE these Bankruptcy report from my credit report immediately.

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-05-10
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. (NY)

My name is XXXX 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 accounts. I have no knowledge of this and All is being investigated by the FTC 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.
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-05-10
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. (IN)

My name is XXXX 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 accounts. I have no knowledge of this and All is being investigated by the FTC 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.
Consumer complaint received 2023-05-10
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: EQUIFAX, INC. (IN)

My name is XXXX 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 accounts. I have no knowledge of this and All is being investigated by the FTC 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.