davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-30
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

To whom it May in concern, I been in constant communication with the WELLS FARGO HOME MORTGAGE - HOME PRESERVATION PROGRAM on behalf of my account and see what are my options repayment of delinquent balance that was in Forbearance ( COVID SITUATION ). I requested review for mortgage modification on XX/XX/2021 for what is owed & been submitted all documents requested at this point. I contacted them for follow up and after months they continue requesting the same docs since hasnt been reviewed on time and the documents signed got expired and need to be resubmitted. At this moment after 1 year and half of this process, calling daily, been submitted all documents, also contacting the executive office and submitted more than 20 claims to Excallation department about my situation and concerns about this process without any resolution nothing has been done. I just been notified that the foreclosure process started when my last call they told me was under reviewing and submitted all documents again dated without been requested for them dont have any issue ( 45 pages faxed confirm ). 
Just to add more details about my concern At this point my property increased in value 3 times of what is owed and I feel the bank want to take over my property since they know they will make more money than what is owed. 

Also when I buy my property in supposedly good condition but it wasnt. I was victim of sale fraud since the 1st week I moved in to the property all this happened-kitchen collapsed, electricity exploted, water start coming out thru wall and all that come thru the plumbing go out thru bath tubs. That puts me in the very bad situation since even can be at the house with my kids for that reason I was on the emergency of this repairs and renovation been done immediately to puts on living conditions for my family been able to live in stable condition. This problem also cause economic problems that wasnt plan by that time and needs to be done urgently. This repairs also helps the increase of the property value that they need to take under concern. 

Im not feel like they are willing to help since they havent been doing a fair work and most likely make me feel mistreated and all misleading information and non communication because they also never talk or mention other options available thru government agencies & services that where available providing funds for homeowners that just been close on XX/XX/XXXX. 

I understand that by Law by the Consumer Finance Protection Bureau- The No FEAR Act to federal lending corporation my application supposed to be review as others and come back with resolution or recommendations on behalf of my default account, at this point I havent received nothing on behalf making me feel discriminated. Please I need help on behalf and what I can do to dont loose my home.
Consumer complaint received 2023-09-04
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. (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 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 2023-09-04
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. (MD)

I submitted a letter to the Credit Bureaus to correct these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (AZ)

Approximately 14 months ago I noticed XXXX fraudulent credit cards on my credit report. XXXX Was resolved quickly. The other card, TXXXX XXXXs still on my credit report despite multiple calls, documentation, etc. This card was not opened by me. The XXXX XXXX XXXX XXXX department ( XXXX XXXX XXXX ) reported that the card was marked as fraudulent and would be removed from my credit. This has not been the case. It shows up Negatively on my credit report as " Account charged off ''. XXXX XXXX XXXX XXXX department states that they can not help me any further as they have already issued a letter stating that the account was identified as fraudulent.
Consumer complaint received 2023-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NY)

On XX/XX/XXXX I walked into Wells Fargo and deposited a {$65000.00} check given to me by my aunt on XX/XX/XXXX with a teller. Wells Fargo froze my account. My aunt passed away on XX/XX/XXXX. I filed a complaint with CFPB on XX/XX/XXXX. Since then, Ive gotten multiple answers from multiple people at Wells Fargo on how to resolve this. Ive provided proof of the check clearing, Ive provided proof that Im the POD on the originating checks account. I submitted her death certificate. Ive submitted proof that there is no hold coming from XXXX XXXX XXXXXXXX on this check. I was told to bring in documents stating Im the POD with a XXXX XXXX XXXX XXXXXXXX contact information to a Wells Fargo branch so we can have a conference call with BOA. I brought this in on XX/XX/XXXX to be turned away and say no thats not what they want. Even though on a recorded phone call on Thursday XX/XX/XXXX with representative XXXX, that is what they specifically told me they wanted, no misunderstanding on my end. They told me to officially close my aunts XXXX account to provide this contact information, I did. Then in the XXXX XXXX branch with Banker XXXX on XX/XX/XXXX on another recorded phone call, they told me they would be closing my Wells Fargo account & rerouting the check back to the originating XXXX  account automatically and to see if I can call to keep that account open. I call XXXX as my aunts POD and was successfully able to have XXXX place a pause on the closure of the account. I called Wells Fargo to confirm, now all of a sudden they need XXXX  to recall the original check otherwise it would be held in a suspense account for 90 days and then move to unclaimed state property. Earlier in the day it was automatic, now all of a sudden BOA has to recall the check? Every step I take with Wells Fargo I am being told I need something else or something different. I called XXXX, they were confused and basically said they wouldnt recall a check that has been cleared for weeks now because 1. Im not the owner of the account and XXXX. Why would they recall a check that cleared on their end with no issues or reports of fraud? XXXX fraud representative then told me that nothing about Wells Fargo doing this seems right & if she were me she would retain legal counsel against Wells Fargo as there is no reason for this check to be held, Ive provided more then enough documentation and proof & there is NO HOLD FROM XXXX XXXX XXXX. Again, this occurred on a recorded phone call with XXXX on XX/XX/XXXX.
Consumer complaint received 2023-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-09-04
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. (MD)

I submitted a letter to the Credit Bureaus to correct these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I would like an investigation opened and also file a complaint regarding incorrect information reporting on my credit report. I'm distressed that the credit bureaus have failed to maintain reasonable procedures to assure accurate information is being reported. Credit reporting laws are to ensure that the bureaus only report 100 % accurate information and every step must be taken to assure that. The following information regarding my account is in fact incorrect and needs to be investigated. I would like to see proof of the original signed contract. If documents can't be provided in such timely manner 15 days that will make the agency in violation of 15 USC 1692g.I asked that the account, please be removed from my credit profile. 


XXXX XXXX  Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/2024 Status Collection account. {$1.00}, XXXX past due as of XX/XX/2024. 
Status updated XX/XX/2024 Balance {$1700.00} Balance updated XX/XX/2024 Recent payment - Monthly payment - Original balance {$1700.00} Highest balance - Terms 1 Months On record until XXXX XXXX XXXX
Consumer complaint received 2023-11-04
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P. (NY)

LVNV FUNDING LLC INTENTIONALLY PROVIDED FALSE DATA TO THE CIVIL COURT OF THE XXXX XXXX XXXX XXXX TO PROCEED WITH A LAWSUIT. 

LVNV FUNDING LLC IS ENGAGING IN ILLEGAL ACTIVITY, FALSIFYING DATA IN REGARDS TO SERVING A SUMMONS.
Consumer complaint received 2022-12-12
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. (GA)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since XXXX a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. XXXX attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-24
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: EQUIFAX, INC. (NJ)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2020-12-24
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. (AZ)

In XX/XX/XXXX, I noticed a credit card that I have never owned. It came out in my credit report.I filed a complaint and dispute. Discoverd it was a third party credit card.and the names that came out on this card. Have never known or heard of these name these people.. I contacted XXXX XXXX and they told me to file a 2nd dispute.. But the company keeps insisting its my card.. Its being used fraudulently. Because this is not my card.This card does not belong to me. It was opened in XXXX and just recently came out on my report. I do not own this card have never applied for this card for this card.
Consumer complaint received 2023-08-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CrossCountry Mortgage LLC (OH)

I lodged a complaint on this site and the company responded inaccurately the situation that I made the complaint about. I received a loan modification document that I was unable to review, except or deny because the documents were damaged and not legible and so I requested a copy of the documents being resent to me so that I may review them, instead the company alleged that I denied the loan modification which I did not, I requested a copy of the documents and now the case has been closed due to the inaccurate information that the company is saying that they received from me. I asked if I would be eligible for a forbearance and was told no and so the representative of the company stated that they would look into a partial claim and so that was looked into and the resolution that the company came up with is a 40-year loan modification. I never once denied any resolution that the company offered, I only ask for information to resolve the situation in a fair and unbiased manner. The calls that were made between myself and the company are recorded and there is not one recording that I denied any loan modification or any resolution that the company offered and now the company is saying that based on the alleged denial I am forced to accept a new loan modification and have my case closed. I ask that if this situation can not be resolved at this level that my complaint be moved up to another level.
Consumer complaint received 2018-10-15
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: GMA Investments, LLC (TN)

Hello, I have a defaulted payday loan with XXXX. It was eventually taken over by XXXX XXXX aka GMA Investments. I believe in paying what I owe, so I made an agreement on XX/XX/18 with " XXXX '' at XXXX to have {$25.00} taken out of one of my credit cards every month. When I saw the {$5.00} cash advance fee also taken out, I called XXXX back up and cancelled this arrangement and stated I would call back to make another arrangement. Today, XX/XX/18, I was notified via email from my credit card company that this company tried to take out another {$25.00}. Totally unauthorized. I called XXXX and asked why. He stated " well, you never called back to make other arrangements. '' Isn't this illegal? Please advise. 

Thank you,
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX XXXX, XXXX, Experian, and XXXX.
Consumer complaint received 2023-09-04
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 would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED.XXXX XXXX XXXX
Consumer complaint received 2023-08-08
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: Experian Information Solutions Inc. (IL)

I would like to emphasize that the inquiry in question is not associated with me in any way. I have no prior knowledge or affiliation with the creditors mentioned, and I kindly request that you promptly remove this inquiry from my credit report. I appreciate your immediate attention to this matter.
Consumer complaint received 2023-09-27
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)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I would like to emphasize that the inquiry in question is not associated with me in any way. I have no prior knowledge or affiliation with the creditors mentioned, and I kindly request that you promptly remove this inquiry from my credit report. I appreciate your immediate attention to this matter.
Consumer complaint received 2024-08-08
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)

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 XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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 2023-11-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (IA)

I have been monitoring my credit scores for XXXX  years. And my score dropped by XXXX points. Because XXXX c systems reported a media com Bill And did not send a notice to dispute or XXXX day to validate to an address Of which I have lived at XXXX  years. 
This is a violation of my consumer rights and I demand its immediate removal.