davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

Thursday XX/XX/XXXX Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX To all parties concerned : This letter serves as verified sound knowledge and grounds against Wells Fargo in compliance to the following facts hereby and herein described : A ) The banks constant intentional actions of violations demonstrated and tied with its unclean hands better known as an equitable defense, akin to fraud, to discourage, conducting unlawful activities for reason of defrauding the right of others. The Banks intent to defraud was shown by its reckless disregard for its actions by repeatedly unjustly benefiting at the expense of aborted justice. 

Ample support and records of evidence support the fact that Wells Fargo had no right and was never entitled to a foreclosure judgment or lien in equity against my person, my property since and including the occurrences of legal battles between them and myself originating since XXXX. 

Everything from illegal Robo signing on multiple documents to Pick- A- Payment loans originated by Worlds Savings and continued with Wells Fargo who reached a settlement in XXXX requiring them to grant loan modifications to home owners during that process of time which should have qualified me to received a principal reduction and loan modification neither one was offered or received by my even thou I was entitled to it instead Wells Fargo kept on increasing and elevating my loan with higher interest rates, hidden fees and inflated surcharges each month causing wrongful illegal activities conducted by Wells Fargo XXXX 

( b ) Any person who violates subsection ( 2 ), and the loan value stated on documents used in the mortgage lending process exceeds {$100000.00}, commits a felony of the second degree, punishable as provided in s. 775.082, s. 775.083, or s. 775.084 and Florida Statues on FORGERY AND COUNTERFEITING 831.06 Fictitious signature of officer of corporation.If a fictitious or pretended signature, purporting to be the signature of an officer or agent of a corporation, is fraudulently affixed to any instrument or  writing purporting to be a note, draft or evidence of debt issued by such corporation, with intent to pass the same as true, it shall be deemed a forgery, though no such person may ever have been an officer or agent of such corporation, or ever have existed I request that my documented complaint be submitted to all Government agencys that oversee this kind of injustice and that can intervene by preventing these repetitive acts conducted by this banking institution. 

With justice and truth XXXX XXXX XXXX
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (TX)

JP MORGAN CHASE REFUSES TO HONOR THE WORLD RDS OF THEIR EMPLOYEES WHEN THEY SAY WE WILL REMOVE THIS FROM YOUR CREDIT REPORT. THIS PAYMENT WAS FOLLOWED BY A PHONE CALL TO EXPLAIN I HAD JUST HAD COVID AND THATS THE REASON I WAS LATE. I ASKED FOR THEIR SUPPORT OF THE COVID 19 CARES ACT SINCE I CALLED AND COMMUNICATED THE ISSUES. ITS NOT LIKE IM LATE EVERY WEEK. INSTEAD XXXX TIME WITH COVID 19, WHICH MUST MEAN NOTHING TO THEM.
Consumer complaint received 2023-09-14
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. (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 XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, 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 2023-09-14
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. (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 XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : 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 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 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Porsche Financial Services, Inc. (GA)

I am refilling this complaint to PORSCHE FINANCIAL SRVC for allowing fraudulent account on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate account are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.
Consumer complaint received 2023-09-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account. I have consistently made timely payments in the past, and it is unfair for me to be penalized for something that is not my fault.
Consumer complaint received 2023-11-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (PA)

I received an email from Chime it said my account was scammed please reset your password, and I did reset it and now I can't access it. 

I tried to reset my password to gain access but I am unable to. I also tried calling and chatting with Chime and haven't had any luck. This has been going on since the beginning of XXXX.
Consumer complaint received 2023-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2023-09-14
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. (TX)

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 XXXX Account Number:XXXX has violated my rights. Or a 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 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

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 XXXX Account Number:XXXX  has violated my rights. Or a 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 repor
ting 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 2023-09-14
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. (TX)

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 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 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

- XX/XX/XXXX, I called XXXX  XXXX XXXX and found there were XXXX fraudulent XXXX  XXXX XXXX 's accounts, checking and saving, of opened in my name. It's ID Theft, and I was asked to report it to the Policy department. 
- XX/XX/XXXX, I filed an FTC report, XXXX, https : //www.identitytheft.gov/ # /account/login - XX/XX/XXXX, Called XXXX  Fraud department, XXXX, to report fraudulent accounts, XXXX  Claim numbers : XXXX an XXXX. 
- XX/XX/XXXX, Mailed the required documents to XXXX  Fraud department. 
- XX/XX/XXXX, Got the police report with the hidden information about the information of the theft. 
- XX/XX/XXXX, Received a letter with the investigation results from XXXX  - XX/XX/XXXX, Called XXXX  Fraud Department with XXXX, XXXX XXXX XXXX. I was asked to fax my questions with the claim numbers to XXXX and your preference of reply. 
- XX/XX/XXXX, Called XXXX Fraud Department with XXXX, and was asked to fax XXXX to request cases reopen and records. 
- XX/XX/XXXX, Fax 6 pages to XXXX. 
- XX/XX/XXXX, Called XXXX, XXXX said both cases were closed because they didnt receive the FAX. XXXX  re-open the cases, and will communicate by mail. 
- XX/XX/XXXX, Called XXXX  with XXXX for XXXX  Claim numbers : XXXX an XXXX, and XXXX  said both claims were not re-opened for further investigations. Both accounts were closed. The representative submitted the re-open request to the analysis team and need another XXXX business days. 
- XX/XX/XXXX, Called XXXX  with XXXX, and was asked to send my request to the Care specialist, XXXX, because she can help me with my request. 
- Since the specialist can't help, XXXX and I called XXXX to request the documents. 
- XX/XX/XXXX, Received documents with the resolution results from XXXX via the wrong email address, XXXX. 
- XX/XX/XXXX, XXXX and I called XXXX to request the bank statements, account application form, identity used and power of attorney. 
- XX/XX/XXXX, Called XXXX  and was told that XXXX form was requested. 

I haven't received the requested documents, bank account application forms, identity used, and power of attorney. XXXX and I have called XXXX  to request documents since XX/XX/XXXX. We called XXXX on XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, but XXXX doesn't give me the documents about account application forms, identity used and power of attorney.
Consumer complaint received 2023-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (TX)

Dear CFPB, I am writing this email to file a complaint against Wells Fargo bank for their failure to address customer disputes. 

Regarding this particular transaction, I have contacted the bank multiple times, but they have shown a passive attitude towards resolving the issue. They falsely claimed to have submitted the dispute, but it was nothing but a lie. The seller has provided no post-sales service, and it is only this bank that is incapable of retrieving any disputed funds. It is an inept bank that only cares about taking money without fulfilling their responsibilities. 

It is crucial for the authorities to supervise this matter and ensure that my payment is recovered. I urge you to investigate this complaint thoroughly until the bank takes appropriate action. 

Sincerely
Consumer complaint received 2022-12-09
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. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have told these companies and letters that I have wrote them and have not received any response from them that I opting out if I have not received the response from them telling me that it has been confirmed and it's been over 30 days.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Credit was ran for car loan several times, I did try to dispute it and nothing has happen with this. My credit has been destroyed I may not have XXXX but what I do have I work hard for. I would like for this information to be removed from my credit so that I can keep the score that I do have. I would like the inquires removed off my report.
Consumer complaint received 2023-11-09
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'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-02
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. (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.

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 2023-09-14
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: ENOVA INTERNATIONAL, INC. (TX)

This is a very predatory company. I took out a loan for {$3600.00} with this company in XXXX. I have paid more than 3-4X this amount and the balance is still showing as {$3400.00}. In XXXX  I lost my job and entered an agreement with the company-NetCredit Temporary Payment Relief Plan and despite this they still reported me late even though I had the payments on auto pay and they were on time. 

Not only this but they have unethical and illegal credit reporting practices. For example, sometimes I will login to make the payment the same day and the website won't allow me to make a payment unless I schedule it out several days which will result in me being reported late to the bureaus. They have also incorrectly reported the amount of the late payment. 

As I stated I have been paying this loan for years and none of the money paid is hitting principal, only interest and I am constantly hit with late payments on my report which has significantly damaged my credit and has made it impossible for my family and I to purchase a home. 

I would like for the hard earned money that I've paid be applied to the principal of the loan as well as the late payments removed from my credit report. 

I'd been doing some research and it is clear that Netcredit has a pattern and history of this and I am considering filing a class action lawsuit as well as go to the news station. This is predatory and very unethical. I can't believe this company is able to get away with this. I am no longer going to accept this lying down and will file with more regulatory agencies to prevent others from going through this. 

If an attorney sees this, please contact me. I know a few others willing to sue.
Consumer complaint received 2016-10-27
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (PA)

I had my loan down to about XXXX and nationstar put forced insurance on me for XXXX doubling my loan, i faxed them copies of my existing insurance neverresponded, that was in XXXX now in XXXX they are adding forced insurance again of XXXX they now say I owe them XXXX dollars
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (GA)

I am refilling this complaint to XXXX for XXXX fraudulent account on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate account are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.