davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

On  XXXX   XXXX ,  XXXX , I refinanced my home for {$340000.00}, with a lender named, The  XXXX   XXXX   XXXX   XXXX  in  XXXX  Florida. I believe this could be considered a predatory loan since the finance company based the loan on my salary solely and the value of my house. Which the valued it quite a bit more than it was truly worth and without anyone coming physically to the property. Somewhere around  XXXX   XXXX ,  XXXX , I was laid off from my job at   XXXX   XXXX   which I had worked at for over 28 years. My division of the company was bought out by  XXXX   XXXX   XXXX   XXXX  and all member s of management wer e laid off. This started my financial issues as I went from {$55000.00}, to {$0.00}. After I got behind on the payments I received notices of impending foreclosures, I believe by this time the mortgage had been resold once or twice. I was contacted by a company named  XXXX   XXXX   XXXX , run and owned by  XXXX   XXXX   XXXX . He said he would buy the house for {$10000.00} and rent back to me for {$1300.00} a month. And after 1 year he would sell back to me for {$370000.00}, this would keep the house from being sold and would build credit back up after paying for 1 year. After the year was up I went back to him to buy back now he wanted {$450000.00}, for the house, soon after this we found he was arrested for mortgage fraud he had just had the title put in his name and was supposedly having the billing notices sent to his address and was not paying monthly mortgage. Even though my name was still on mortgage the bank never notified me of what was going on. The state of Florida prosecuted him for fraud and I was put on a list of victims tha was suppose to be remunerated by the state of FL, which has never happened I have kept in touch with the States Attorneys office through the years and finally last year they said it would be up to me to get my own lost monies. Since the issue with   XXXX   XXXX   XXXX   I have tried at lea st 8 or  9 times with  XXXX   XXXX   XXXX  and no w Wells Fargo  to modify or rework my loan. They always reject it, never saying why, just reapply again. Last year,  XXXX , I had negotiated with  Wells Fargo  to do a short sale, they agreed to it and I was working with a realator who had a potential buyer and  Wells Fargo, stopped the foreclosure sale then  without notifying me they went ahead with the sales in  XXXX   XXXX , I only found out by checking the Clerk o f the County for   XXXX   XXXX  website and saw they cancelled the cancelling of the sale and with 1 days notice I filed a chapter  XXXX  to stop the sale. I have dealing with this for 10 years now and wanted to make payments, but they would never approve me, they could have been receiving monthly payments for 10 years. During this time I had to deal with my fathers illness ',  XXXX   XXXX   XXXX ,  XXXX   XXXX  and  XXXX   XXXX . And they would not work with me, it is also my understanding they have " lost or ca n't find '', the original mortgage instrument.
Consumer complaint received 2024-06-12
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. (NJ)

Upon reviewing my credit report, I noticed that this account has been inaccurately reported, leading to significant negative impact on my credit score. After conducting a thorough review of my financial records, I believe that this charge-off is incorrect for the following reasons : The account had been paid in full the balance on this account is XXXX and closed XX/XX/year>.
Consumer complaint received 2023-04-12
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: AFNI INC. (LA)

I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
Consumer complaint received 2022-11-07
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: EQUIFAX, INC. (DE)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK 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 Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I have old items on my credit report that I would like to be updated and I have been reaching out to this company over and over to do so they continue to have old information that I no longer have access to on my report and I would like for the updated.
Consumer complaint received 2020-04-11
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: EQUIFAX, INC. (GA)

thre are several fraudulent collections accounts showing onb my report for services ive never recieved ive requested validation per fcra sec 609 and have not recieved anyting within the alloted time per fcra 611 these collections are not from services recieved by me and are hindering me from living a full fruitfull life please assist me in this matter thanks
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Southwest Credit Systems, L.P. (TX)

XX/XX/2023 The account balance was paid in full in the amount of {$150.00} as per the documents provided It was promised to be deleted from my credit from XXXX, But south west credit systems refuses to provide a deletion letter.
Consumer complaint received 2017-01-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: VIRTUOSO SOURCING GROUP, LLC. (CA)

I was sent to collections by XXXX cellular serivice. I did not receive service from my home unless I walked down the street they told me that I had a tower 1/2 a mile from me, I told them I still am not receiving service in my home, I needed to cancel service they refused, and then asked me if I turned in all my cell phones, they would credit my account and bring it to a zero balance that did not happen. I have been sent to collections to Virtuoso Sourcing Group.
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-01-27
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. (FL)

Again, I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-12
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. (MI)

I never consent to share my information to a third party and I never once gave permission for XXXX to attach this type of stuff to my credit then report as an account I opened even dates, addresses, payments are all out of order but they all come from one company which is confusing and I read it reach this violations of 15USC Tila laws and disclosure agreements XXXX XXXX XXXX XXXX XXXX have dates, addresses, balances, reports dates all out of order hindered my credit too
Consumer complaint received 2023-01-25
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. (NJ)

Experian has been consistenly reporting false and damaging info on my report. I have tried to resolve my complaints the right way by sending them letters outlining the info that is false and nothing. I sent them letters in XXXX, XXXX, and XXXX of 2022 and they keep sending me the same XXXX responses. I have spent the past year educating myself about these XXXX and I have had it. Iwant my personal information updated and these negative accounts deleted or I have gathered enough of their nonsense responses to file suit. Let 's save ourselves some time no I am not working with anyone, I've sent them proof of my identity already several times and the letters I sent are available to ANYONE with the use of something called the internet. I told them to validate their methods and give descriptions of their methods to validate. They have not and they violated the FCRA by not doing so and they know it
Consumer complaint received 2016-01-20
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (DE)

Greetings : I am the Owner, Authorized Representative, and Attorney-In-Fact, for the legal fiction XXXX XXXX XXXX ; said legal fiction being organized under the following organizational ID numbers [ XXXX ] ; and indemnified under the U.S. TREASURY ACCOUNT [ XXXX ] ; by the operation of House XXXX XXXX XXXX of the United States Congress, passed in Congress assembled on XX/XX/XXXX. 

It has been represented to me that you are holding debt in the name of XXXX XXXX XXXX. You are hereby given official NOTICE that the legal fiction entity XXXX XXXX XXXX is my secured private property, and all accounts thereof are accepted for value, pre-paid, and exempt from levy, and held for me by the filing of XXXX Financing Statement No. XXXX XXXX, through the State of XXXX. 
Adverse information bearing your organization 's name has appeared recently on the credit report for XXXX XXXX XXXX ; issued by Experian ( attached ). 
In the event that you wish to continue attempts to report false invalidated, and unverified information causing further injury to agency XXXX XXXX XXXX, I will be obliged to report your Agency to the appropriate authorities. Please provide Me with a sworn affidavit in validation of the alleged debt. Please also provide me with the name and address of the real party of interest. 

In the event this debt is not validated within 30 days, I expect that all adverse information will be withdrawn from the credit records of XXXX XXXX XXXX immediately. In the event such adverse information is not withdrawn, I will accept your refusal as willful intent to slander the credit of XXXX XXXX XXXX, and take appropriate action under the Fair Debt Collection Practices Act and the Truth in Lending Act, based on your bad faith efforts to defraud me. ATTACHED IS CERTIFIED COPY XXXX FROM THE SECRETARY OF STATE XXXX THAT THERE ARE NO LIENS FOR XXXX XXXX XXXX.
Consumer complaint received 2023-03-28
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: EQUIFAX, INC. (NJ)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-11-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On or about XXXX XXXX, BANK OF AMERICA debited {$2200.00} from my checking and savings account. The reasoning was they had a legal order to hold my funds. I called BANK OF AMERICA only to have representatives tell me there was nothing they could do. BANK OF AMERICA claims they received a " notice of a lien '' which is not an actual lien or a legal order. If BANK OF AMERICA is debiting my account because of a " notice of a lien '' this is securities fraud. BANK OF AMERICA has no sworn statement under penalty of perjury that said " notice of a lien '' is true, nor do they have a court order pursuant to XXXX XXXX XXXX that corrobarates this claim. If I am mistaken I ask those documents be presented immediately. Due to the extreme amount of fraud and scams, it is only right that BANK OF AMERICA would make sure such documents are valid before allowing it to cause harm to one of their loyal customers. I have attached a copy of the " notice of lien '' BANK OF AMERICA mailed to me as well as my own affadavit that BANK OF AMERICA is welcome to rebut or have the person ( s ) claiming I owe a debt rebut. This matter is causing me and my family stress as I am unable to pay my bills and properly take care of my family.
Consumer complaint received 2017-11-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Niagara Credit Solutions, Inc (NC)

I was contacted about this debt back around XXXX. I stated then that I was n't aware of this debt and requested information that was never received. It is now 7 to 9 years later ( beyond collections statues ) and I 'm being harassed again via phone calls and mailed letters for money in the amount of XXXX for a debt with XXXX XXXX XXXX and XXXX XXXX, XXXX. The letter states the principle balance is XXXX and XXXX XXXX of XXXX 

Please provide documentation as well as check the FDC status.
Consumer complaint received 2023-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (GA)

This is my second complaint with this company. Its so incredibly frustrating to try to make an online payment and EVERY TIME I try I am told my account is not recognized. I try resetting my password, still wont work. I have been charged late fees and even had my credit limit reduced because of this. It should take 30 seconds to log on every month and make a payment. I do not have time EVERY MONTH to try to reset passwords and user names just to make a payment and even when I do this it still doesnt allow me to log in. Ive tried the option of pay faster without signing in which is a joke because I input my entire account number and it says not recognized! I know for a fact this is affecting others because my husband has the same issue and so does my mother in law. The last time I complained the company did refund my late fees, which is great, but they didnt fix the problem!
Consumer complaint received 2020-04-13
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Walmart card operated by CapitalOne Card XXXX XXXX XXXX XXXX - Phone XXXX I made a payment of {$75.00} today on XX/XX/XXXX ( due date ) at about XXXX Arizona time, but because it was not by XXXX East coast which I didn't know, they will charge me a late fee of about {$35.00}. When I called and asked to remove the late fee since I paid on my due date, the operator said the computer wouldn't let him doing that, so he transferred me to a supervisor and the lady told me she can't remove it. This is not fair, especially in these difficult times of hardship, and I request CFPB to contact CapitalOne and to ask them to remove the late fee.
Consumer complaint received 2023-06-14
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. (IL)

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.

The letters are stated with items and issues.

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 2020-02-25
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. (OH)

THIS IS THE 3RD TIME I HAVE HAD TO COMPLAIN ABOUT THIS ISSUE OF FRAUD ON MY CREDIT FILE!! MY NAME IS XXXX XXXX  XXXX MY DOB XXXX MY SS # XXXX THERE IS SEVERAL FRAUDULENT ADDRESSES ON MY FILE PLEASE REMOVE THE FOLLOWING ADDRESSES : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX I was going to buy a car and I pulled up my Trans Union, XXXX  and XXXX   credit report XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION XXXX XXXX Fraud Student Loans that were not open by me nor did I give anyone permission to use my name to take out a loan. I found addresses that do not belong to me as well on my credit reports.
Consumer complaint received 2020-02-25
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (VA)

This company is reporting inaccurate information on my credit report. They are reporting that this is account is open with XXXX XXXX but this account has been closed since 2016. I do not know what this account is and has seen it on my credit report. The two main federal laws that apply here are the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I have no idea of this account and have not received any valid information.
Consumer complaint received 2023-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One Quicksilver Card was issued with a limit of {$1000.00}. Deeming this insufficient for use, I have asked twice to have the limit raised. XXXX other cards in my wallet have limits ranging from {$9500.00} to {$15000.00}. 

What really offends me is that after I told them I can not use the card with such a low limit, I was rejected in my application for a higher limit, for the reason of " monthly spend has been too low ''. 

And the rejection letter ( attached ) claims to share additional information about the rejection, but does no such thing. 

I have sent Capital One a letter making this request for a third time, and have heard nothing.