davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-22
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: NAM National Arbitration and Mediation (FL)

Received a phone call from an " unknown '', looked up the number online, it states it is a private number. The caller says he is from law office of the ADR Group, threatening to take legal action and " forwarding these complaint to your local municipality '' for " felony activities '' left the phone number XXXX. Called the number and the operator stated there is a case against me, she claims that a letter was sent that I did not receive. I asked her to send it again, she stated that the only send the letter one time. She said we could settle out of court or it would proceed to court. I stated that I would not give her any information over the phone. After some research online, I found an article that XXXX had to pay a XXXX dollar settlement for improper collection practices, that article led me to placing this complaint today.
Consumer complaint received 2017-05-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (GA)

Hello, I filed a complaint with  Shell point servici ng. The home has been foreclosed on and we are in discussing for cash for keys. I have been going back and forth with the agent or realtor assigned to the case. I need a response so that I can move from the home and receive the cash for keys.
Consumer complaint received 2015-11-21
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (FL)

XXXX/XXXX/2015To : Whom it may concernFrom : Wells Fargo CustomerPlease be advised that if you deposit a check into your Wells Fargo Account, they ( Wells Fargo ), has the authority to place a HOLD. A hold is just what it means, hold, in short it will not be available to you to spend, they can hold it for a day, week, and longer. 
Do n't worry if it 's a {$20.00} check it will most likely run its course and will be ready for your use within a day, or sometimes that same day. 
Summary ; I made a deposit on the XXXX of XXXX, Wells Fargo placed a hold on the check until the XXXX of XXXX, not a big deal but it is a little more than {$3000.00}, I need this money to pay bills such as health insurance, utilities and so on. Mind you that Wells Fargo cashed the check and have withdrawn the amount from the bank from which it was wrote. The individual that wrote the check I had called her and asked if she had put a hold on the check and she said no, looked it up on her account and Wells had taken the money from her account on the XXXX of XXXX, 2015. 
Although Wells Fargo is legal in what they are doing but think holding a check for weeks is not right, they are using my money while I sit here and ca n't do a darn thing about it but wait. My insurance will be cancelled, power will be shut off, do n't have money for groceries, pay credit card and so on, this is unreal, banks although legal, and they are greedy and not very responsive to customer needs. 
In short you are at their mercy until they decide the time is right, one would have to assume they must be cooking their books if they need to place holds on checks so they can use the money for their own issues. 
I can only recommend you do n't deposit large checks into any Wells Fargo checking, and or savings account. You may not have access to this money until such time they ( Wells Fargo ) can reconcile their books. 
Last note my account is in excellent standing, and have never had a bad check deposit! 
Very Sadly, Well Fargo Customer
Consumer complaint received 2023-05-19
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. (PA)

for almost 2 years i have been having difficulty with a inaccurate account reporting on my consumer file. Experian has not investigate this account at all. At best, Experian has only parroted what the information provider has told them. The law is very clear that credit reporting agency does not comply with verification requirements of 1681i if it simply parrots the information providers electronic response. 

I am contacting you because Experian claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed Below as reporting 100 % accurate. However, this account is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 

On XX/XX/2023, i sent a certified letter to XXXX XXXX XXXX about this inaccurate reporting. The letter was returned back to me stating that the address is not deliverable. This is the contact address that is on my consumer report supplied from Experian 's generated report dated XX/XX/2023. I have enclosed a screenshot from Experian generated report. 

How is Experian verifying this account? If i can not contact them through the contact information supplied from Experian. 

I believe that Experian is not verifying this account and just updating an unverified account. This is against Federal Law of the FCRA.

Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. 

I have enclosed the unopened letter to XXXX which was never delivered. The usps certified mail- XXXX I have enclosed a copy of my experian consumer report with the Address that they supply as contact to XXXX Account in dispute : XXXX XXXX XXXX
Consumer complaint received 2023-05-19
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: Experian Information Solutions Inc. (FL)

Accounts : XXXX XXXX - {$470.00}, XXXX XXXXXXXX - {$540.00}, XXXX - {$100.00}, XXXX XXXX - {$0.00}, XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) - {$1900.00} Dispute letters were sent to credit bureaus ( XXXX, XXXX, Experian ) on XX/XX/2023 through USPS certified mail to verify through physical verification of the original signed consumer contract of all accounts mentioned above. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Consumer complaint received 2021-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC (CA)

They are reported negatively twice to Each credit reporting agency for the past 3 years causing a double Jeopardy and double the damage to My name as if is 2 seperate incidents causing my score to suffer double the points as it should. Yet both companys refuse to remove any negative reporting
Consumer complaint received 2023-02-01
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. (KS)

XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX, 2023 RE : XXXX To whom it may concern, I, XXXX XXXX, never gave Any Consumer reporting agency verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. You also do not have any permissible purpose to furnish my personal information to any third party. 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report DOES NOT INCLUDE ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; As a consumer, I am demanding a deletion of ALL inquiries listed on my consumer report.
Consumer complaint received 2024-03-23
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. (PA)

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. 


I sent letters to XXXX, Transunion, and XXXX as well as use a third part service such as XXXX XXXX to make disputes asking them to verify and comfirm the accuracy of the the following accounts : XXXX XXXX XXXX XXXXXXXX and if they couldn't show proof by law have to remove those accounts. However, after sending those letters and disputing with XXXX XXXX I wasn't notfied about the status of my investigation or given any proof that states these accounts are verified and accurate. Therefor these accounts should be removed but that wasnt the case. I also have proof of the inaccuracies with these accounts across all 3 credit bureus. I am also concerned as to why I have seen no changes to my credit report after making several attempt to reach out to diffent credit reporting agencies. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2023-05-19
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: Experian Information Solutions Inc. (FL)

I have reached out to all of the collection agencies as well as the sent letters on XX/XX/XXXX to Experian, XXXX, and XXXX. I have uploaded the letters below. However it has been more than 30 days and the credit bureaus and or collection companies has failed to send my investigation back. This is not making sense. 

According to the law 15 U.S. Code 1681i- Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall free of charge, conduct a reasonable investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

This is abusive, deceptive, and unfair practices of the FDCPA which it prohibits. The credit agencies furnished these accounts that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and i did not participate in anyof it. More so they didn't follow the proper 5 step validation procedure which make thisunfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation andclearly they violated my rights.
Consumer complaint received 2017-03-31
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital One Credit was paid in full at least 5 years ago. It was my understanding that the account had been closed. Now I am being billed by a debt collector for overdue charges on what? I do n't even have the credit card nor have used it for the past 5 years.
Consumer complaint received 2024-03-01
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. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-01
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. (NY)

I am making this complaint by my own free will not with a third party but me myself and I so please do not close it down. Please submit it to the credit reporting agencies. so i was looking at my credit report and i noticed that there were some accounts i didn't recognize so i wrote to the credit bureaus asking them to remove the accounts that didn't belong to me and i never heard anything back and the accounts are still on my credit.
Consumer complaint received 2023-03-02
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. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. When I review my credit report I noticed that there are items that are misleading or erroneous. The items I'm disputing today have no affiliation with me or my transactions. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXX 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 XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2016-06-02
Product: Consumer Loan — Vehicle lease
Issue: Shopping for a loan or lease — 
Company: YKS Acceptance, Inc. (CO)

I leased a XXXX XXXX XXXX from Herbies Auto Sales in XXXX Colorado in XXXX XXXX, and was misled about things like a " rental fee '' and the warranty. The rental fee has been somewhat confusing, as when I checked my credit, it was significantly different than the number I was given when I leased the truck, and I called them and told them their amounts are incorrect, and they plainly disagreed with me. As for the warranty, the paperwork I saw never mentioned anything besides the deductible, which was fine with me, but when my radiator started leaking a few days ago, they also informed me they only warranty the parts, not the labor.
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX CASE NUMBER : XXXX is still on my consumers credit profile it was confirmed fraud and identity theft XXXX of the main reasons for my fraud alert thats active for XXXX years unless I say otherwise. EXPERIAN you are still reporting inaccurate information on my consumers credit profile after XXXX  days to update. Remove inquiry immediately. XXXX XXXX CASE : XXXX
Consumer complaint received 2024-04-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Recovery Services, Inc. (TN)

Over the past few months, my husband and I have received phone calls that I owe money to Financial Recovery Services , Inc. for XXXX XXXX XXXX in Texas under my maiden name. We have told them that I have never lived in Texas, so this debt can not be mine. They still proceeded to send mail stating that I owe {$720.00}.
Consumer complaint received 2021-05-22
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: National Credit Adjusters, LLC (CA)

This account was paid in full to NATIONAL CREDIT ADJUSTERS , L.L.C upon full payment the account will not be reported to the credit bureau after being paid in full it was still reported and I asked XXXXXXXX to remove it and they have not done so. This gos against my rights. XXXX will not let me dispute it.
Consumer complaint received 2016-02-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX XXXX DOB XXXX/XXXX/1968 ESCALATE THIS TO YOUR LEAGLE DEPARTMENT IT HAS AN ORDER THAT MUST BE FOLLOWED TO REMOVE THE BANKRUTCY CHAPTER XXXX FOR XXXX XXXX XXXX THIS HAS BEEN IGNORED I NOW HAVE THE COMPLET ORDER READ PAGE XXXX OF THE ORDER. 
DO NOT USE E- VERIFY OR XXXX XXXX YOU MUST READ ALL DOCS XXXX. Old address on page XXXX MUST BE REMOVED REMOVE ALL FRAUD ALERTS AND REMOVE ID SECURTY ALERTS I DID NOT ASK YOU TO PLACE THEM ON MY REPORT. 

BANKRUTCY chapter XXXX for XXXX MUST BE DELETED VIA COURT ODER SEE PAGE XXXX OF ORDER I HAVE SENT YOU THE COMPLETE ODER AND I AM IN THE SETTELEMENT DOCKET # XXXX XXXX NUMBER XXXX YOU CAN CALL THE COURT AT XXXX TO VERIFY ORDER XXXX ALSO MUST BE REMOVED VIA COURT ORDER READ ORDER IN CHAPTER XXXX FOR STATE OF VA remove COAF INQUIRY ... DO NOT SAY VERIFIED I CALLED THEM AND THEY DO NOT KNOW WHO I AM AND HAVE NO PAPER TO SHOW I APPLYED FOR CREDIT. 
PER FCRA YOU MUST SHOW HOW YOU CORRECTED THE ITESM AND SHOW HOW YOU INVESTIGATED THE COURT ORDER.
Consumer complaint received 2021-04-19
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. (IL)

please remove all fraudulent accounts as i have no knowledge of them. due to the Equifax data/identity theft breach my identity was compromised. According to FCRA 605B this information must be blocked immediately until investigation is over
Consumer complaint received 2023-05-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

I HAVE TWO MAJOR PROBLEMS WITH MY BUSINESS CHECKING ACCOUNT : 1. XXXX FRAUDULENTLY WITHDRAWN {$95.00} OUT OF MY ACCOUNT AND NOBODY ANSWERS THEIR PHONE XXXX FOR ME TO INVESTIGATE. 
STILL, DESPITE PUTTING IN A CLAIM # XXXX WITH WELLSFARGO BANK TO SEND ME A NEW DEBIT BUSINESS ACCOUNT CARD AND FULL CREDIT REFUND THEY OPTED TO CREDIT ME {$47.00} ROBBING ME THE DIFFERENCE. NO BANKING POLICY SHOULD SUPERSEDE A FRAUD SITUATION. WELLS FARGO IS PUTTING ME IN HARMS WAY BY NOT CREDITING MY ACCOUNT FOR {$95.00}. 

2. I WAS TOLD SEVERAL YEARS AGO MY BUSINESS ACCOUNT MAINTAINS {$5000.00} OR MORE THAT I WOULD NEVER BE CHARGED FOR {$30.00} PER WIRE TRANSFER FEES INCOMING OR OUTGOING. STILL, THE BANK HAS CHARGED ME OVER {$260.00} IN WIRE TRANSFER FEES VIOLATING OUR AGREEMENT
Consumer complaint received 2017-05-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cornerstone Holdings, Inc. (FL)

I CONTACTED THE COLLECTION AGENCY ABOUT AN UNKNOWN DEBT I DISCOVERED ON MY CREDIT REPORT ON X/X/2017 AND ON X/X/2017 THEY RESPONDED AFTER OBVIOUSLY ZERO  INVESTIGATION INTO THE MATTER THAT IT IS ME THE CONSUMER THAT NEEDS TO PROVIDE THEM EVIDENCE OF THE DEBT NOT AND THAT I AM NOT ALLOWED TO RECEIVE A VALIDATION OR VERIFICATION OF THE UNKNOWN DEBT THEY ARE REPORTING ON MY CREDIT FILE. THIS IS OBVIOUSLY A TACTIC TO CONFUSE AND CONCEAL MY AND PROBABLY OTHER CONSUMERS OF THEIR CONSUMER RIGHTS. EVEN YOU THE CFPB TELL US WE ARE ALLOWED TO ASK FOR A VALIDATION .... A FACT THAT THESE JOKERS DENY ME THE CONSUMER.
Consumer complaint received 2021-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (DE)

I attempted to obtain a recent credit report from EXPERIAN and the information provided is erroneous and misleading. I have responded to EXPERIAN about the situation ; EXPERIAN has done NOTHING to resolve the errors and misinformation.
Consumer complaint received 2023-04-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (GA)

Since 2012, I've been trying to receive an affordable modification. During that timeI I've repeatedly filed over 55 complaints with the consumer Financial Protection Bureau against Wels Fargo regarding the loan modification, credit report, XXXX XXXX  and illegal foreclosure proceedings. This prevents from obtaining a home loan. I've recently found out that CFPB file a complaint and a Victim relief fund was set up for the people that were effected. It also states in the letter that the victims were already contacted by wells fargo. I have not received any notification from wells fargo that I was included in the settlement.
Consumer complaint received 2017-05-10
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: ORO OC, LLC (NC)

EduLoan Servicing is a fraudulent program that used the official-sounding programObama  Student Loan Forgiveness to scam m e into believing that they offered programs that could lower my student loan monthly payments and even provide student loan debt forgiveness.     EduLoan Servicing shared they would collect my monthly payments on behalf of the federal student loan program and send them to my servicer. I most recently received a call from   XXXX   ( who is my current loan servicer ) stating that my account was delinquent and that EduLoan Servicing was a fraudulent program.     By this point, my checking account had been withdrawn an estimated {$900.00}. Through out the entire proces s EduLoan claim ed they were  a Student Loan Forgiveness program. They accessed my FSA ID using my ss # and driver 's  license. I am at a loss for words and would like to press charges. How do I proceed?