davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-30
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (NJ)

I am writing to bring to your attention certain provisions under the United States Code, specifically under 15 USC 166b and 15 USC 1681 ( e ) ( B ), which govern the treatment of payments on credit card accounts under open-end consumer credit arrangements and the issuance of 1099-C forms for charged off accounts.

Firstly, under 15 USC 166b, a creditor is prohibited from treating a payment on a credit card account as late for any purpose. As such, I request that my account status and payment history be updated to reflect Paid as Agreed and to remove all negative inquiries and late payments immediately.

Secondly, under 15 USC 1681 ( e ) ( B ), I have not received a 1099-C form for the charged off accounts in question. Failure to provide this form is a violation of federal law and constitutes fraudulent activity on the part of the creditor. Therefore, I request that the charged off accounts be updated to Paid as Agreed and any negative items associated with these accounts be removed immediately.

It is imperative that my credit report accurately reflects the lawful status of my accounts and the payments I have made. I trust that you will take prompt action to rectify these matters and update my credit report accordingly.
Consumer complaint received 2024-04-29
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Freedom Mortgage Company (GA)

Service-connected veteran, started the sale of my home XX/XX/year> using the V A Home Loan Assumption option due to my fantastic rate of 1.75 % XXXX. Immediately there is hardly any communication coming from Freedom Mortgage. The original closing date of XX/XX/year> was missed. The closing date was extended to XX/XX/year> and this date was missed with no explanation from Freedom Mortgage. It was disclosed later that Freedom Mortgage was understaff after I complained to this company about the service and the lack of communication. I was also informed that Freedom Mortgage had one loan processing officer available and their was a backlog of applications. I was informed that Freedom Mortgage has retained a third party to assist with the backlog of applications. The closing date was extended again until XX/XX/year>. I doubt this will happen as Freedom Mortgage Closing Department was scheduled to go out to the residence on XX/XX/year> and did show up. There has been no communication as to the missed CD visit to the home. I currently await a response from the current assigned loan processor as to when the closing will be finalized. I researched this company Freedom Mortgage and learned Consumer Financial Protection Bureau has already fined the company {$1.00} XXXX and issed an order to clean up their deception mathematical numbers they have been reporting, as well as submitting applicants race as white, when the applicants are not white, as well as paying for mortgage lender referrals. Please Help this VETERAN.
Consumer complaint received 2022-09-20
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2023-05-17
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2017-05-08
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. (VA)

I have fraudulent inquiries on my account. I disputed these through internet as well as phone calls and they are telling me it ca n't be deleted. Experian, XXXX and XXXX : XXXX XXXX X/2016 XXXX : XXXX XXXX XX/XX/2016 XXXX : XXXX XXXX XXXX-2016
Consumer complaint received 2023-08-25
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: WELLS FARGO & COMPANY (KS)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-05-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (VA)

I am not liable for the debt with XXXX XXXX XXXX, I do not have a contract with Aldous and Associates no original contract was provided as requested. Aldous and Associates are not licensed in the state of Virginia to collect debt as a collection agency.
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions
Consumer complaint received 2023-05-30
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. (IA)

The following hard inquiries currently showing and listed on my XXXX, Equifax and XXXX XXXX credit are unauthorized and not my hard inquiries : XXXX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX Total Select, XX/XX/XXXX, XXXX  XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX. XX/XX/XXXX, XXXX XXXX XXXX, XXXX. XX/XX/XXXX and XXXX XXXX, XX/XX/XXXX
Consumer complaint received 2023-08-09
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: REGIONS FINANCIAL CORPORATION (KY)

Comdata is refusing to issue credits that were agreed upon between XXXX XXXX ( XXXX XXXX ) and XXXX XXXX ( XXXX XXXX XXXX  ). In Comdata letter, they state " but to date, you have not retracted the XXXX statements regarding the fraudulent application and fraudulent payments. '' Per XXXX XXXX specific request on XXXX, I have sent an email on XXXX requesting the account to be reopened. See attached. On XXXX, XXXX XXXX stated, " I found the issue and the entered credit for the missing amount. Will you be able to send me a letter so that we can get your account reactivated in the meantime? ". On XXXX, a letter on company letter head was sent to XXXX XXXX, per his request and sent to Customer Care and XXXX. See attached. 
There is no indication from XXXX XXXX or anyone else that these letters are " not sufficient ''. All documentation was sent at the request of XXXX XXXX in good faith without any objection from either party. If Comdata would like assurances from future claims then they need to provide the sufficient language that they would require. Comdata would need to issue a check for {$69.00} to have this matter closed.
Consumer complaint received 2021-01-07
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Consumers Inc (MD)

I have called and written several emails Im regards to every time I have been treated at XXXX XXXX  XXXX I have ALWAYS carried health insurance and provided that information they NEVER send a bill they wait until they send items to collections. Then insurance can not Be used this has been done to be as well as many members of my family and friends of mine. I do believe I should have my credit destroyed and ruined by their poor customer service and awful office billing process. I am a single mom trying to buy a house and I can not keep paying bills that my health insurance I pay would cover its robbery. 
Everyone who works at United consumers inc is everything but helpful and the agrees to delete the info at one point only to send me nasty letters in the mail harassing me on phone
Consumer complaint received 2023-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (MD)

Today, I tried to transfer my money earned on an online website through XXXX like I always do. The funds kept getting sent back to XXXX. I then tried to get a small online advance ( again, I do this all the time through an app called XXXX ). I got a message from XXXX that there is an issue with my bank, and I need to contact them. I called my bank, Wells Fargo, and was told that I had at least a 45-minute wait to speak to someone! Upon opening my computer and investigating, Wells Fargo has a coy message in the color blue " We've converted your checking account to another checking account. See your statement for details ''. I opened my online statement and found nothing to indicate that my checking account had been converted to any other account. I called back Wells Fargo, this time trying to get to their fraud department for an explanation. I received this message " Due to technical difficulties we are experiencing longer than normal wait times ''. I left my telephone number for a callback. I received an automated callback from Wells Fargo again informing me of an indefinite wait time to speak to someone. This is completely unacceptable. Throughout my years as a Wells Fargo customer, this bank has seemed to face repeated issues, both consumer-related and legal. I am so tired of having my life turned upside down by this bank! There is never any accountability from Wells Fargo when I reach out to them. I can not receive money into my account, I can not even communicate with Wells Fargo, and apparently, my checking account has been " converted '' without my knowledge, which I believe is the reason for the sudden problems with my checking account!
Consumer complaint received 2018-12-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC. (KS)

Due to personal financial issues, I have had no choice but to resort to payday/predatory lenders and these high interest rate, last ditch effort loan companies. I borrowed {$950.00} from CashNetUSA on XX/XX/2017 and another {$430.00} on XX/XX/2017 and another {$300.00} on XX/XX/2017 ( in total, {$1600.00}. ) I have since repaid {$1900.00}. My balance remaining is still somewhere around {$700.00}. I am struggling to make these payments and I am hoping to be able to have this account closed and listed as paid in full without me needing to make anymore payments as this company has made a sufficient amount of money over the principal. I submitted a complaint previously and no resolution was reached.
Consumer complaint received 2023-11-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.
Consumer complaint received 2023-08-09
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: Experian Information Solutions Inc. (NC)

I am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2022-12-11
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. (FL)

I am intrested in disputing all unauthorized information on my credit report with transunion. checking my file alot of information is invalid. it is hindering my file. please update my credit profile to be corrected.
Consumer complaint received 2023-12-30
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I filed my claim with Bank of America and they have yet to resolve my credit to my account and its been months now. They said they resolve something but I have not received anything but a dollar for transactions on my card that I used at the ATM now I have three claims out there right now and they were all denied and then opened up for reconsideration so I dont know what my next step is. I keep reconsidering each claim and they keep adding on a dollar or XXXX dollars credit but not the full amount of {$13000.00} is XXXX XXXX and XXXX because I have two separate cards that this happened to you and yet nobody could help me take care of the credits the first time
Consumer complaint received 2023-08-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The Fair Credit Reporting Act ( FCRA ) spells out rights for victims of identity theft, as well as responsibilities for businesses. Identity theft victims are entitled to ask businesses for a copy of transaction records such as applications for credit relating to the theft of their identity.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern, I am requesting the immediate unfreezing of my credit file. 


My name is XXXX XXXX My current address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The last of digits of my Social Number is XXXX My date of birth is on XX/XX/XXXX I have enclosed photocopies of a government-issued identity card AND proof of residence as a utility bill or phone bill.

Attached is the required documentation.

I acknowledge the terms and conditions of the Bureau and we agree to abide by the same including any amendments in the future as may be done at your end.

I am looking forward to your cooperation regarding this matter and updating the same intimate upon change. 

Yours truly, XXXX XXXX
Consumer complaint received 2022-12-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch (NV)

This company called Helvey and associates has put a collection on all e of my credit bureaus. I have never had this debt. This is a fraudulent account that I did not sign for nor had any knowledge of this a count. It's saying account was opened XX/XX/2022. I didn't even live in the same city or state where this account is.
Consumer complaint received 2022-10-20
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. (GA)

So I sent the document off on XX/XX/22. To remove personal information I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 
These are clear violations of my federally protected consumer rights.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I have submitted information regarding my identity theft, Ive also request a block on my credit report XXXX have refused to do it. I also disputed fraudulent accounts on my report and if they came back as verified I ask for them to send the information they use to verify that it is accurate they also have not done that. Im asking for them to remove the fraudulent accounts from my credit report.
Consumer complaint received 2023-09-28
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. (PA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : DEPT OF EDUCATIONXXXX XXXX Balance : {$4400.00} DEPT OF EDUCATIONXXXX XXXX Balance : {$2800.00} DEPT OF EDUCATIONXXXX XXXX Balance : {$4800.00} DEPT OF EDUCATIONXXXX XXXX Balance : {$9300.00} XXXX XXXX XXXXXXXX Balance : {$660.00} XXXX XXXX XXXX Balance : {$380.00} XXXX XXXX XXXX XXXX  Balance : {$24000.00} XXXX XXXX XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX XXXXXXXX Balance : {$380.00} XXXX XXXX XXXX XXXXXXXX Balance : {$24000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$110.00} XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX XXXXXXXX Balance : {$380.00} XXXX XXXX XXXX XXXXXXXX Balance : {$24000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$110.00}
Consumer complaint received 2023-06-29
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Dovenmuehle Mortgage, Inc. (CO)

I had already attempted to have my case looked at through CFPB case # XXXX They closed it based off the Lenders response. 

I am attaching my information through a letter I am sending XXXX XXXX tomorrow. 

I have emails from my HUD certified counselor proving " Dual Tracking '' during All 3 Foreclosures. 2 have been vacated. The next one is XX/XX/XXXX I still have XXXX Notices of " Error of Resolution '' still active. XXXX is still going to move forward with Foreclosure. Promise! 

With a Notice of " Error of Resolution '' active they can not move forward with the foreclosure sale. 

Attached are also the Letters of " Reviewing File '' confirmation. Most recent was XX/XX/XXXX I qualified for a " Covid Recovery Options '' and/or " Standard Loss Mitigation XXXX XXXX XX/XX/XXXX. 

Contact with my HUD Counselor XX/XX/XXXX made my " Loss Mitigation Complete '' because I was working with a certified HUD counselor.

Communication between my counselor, XXXX  and XXXX will prove my claims.
Consumer complaint received 2023-01-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I have previously made complaints to CFPB about the unfair treatment by Wells Fargo with regards to a loan and forclosure on our home. The file has since been closed. 

I have not been notified by Wells Fargo about the CFPB enforcement action and award for the unfair treatment on our loan and the foreclosure on our home. 
I am not able to speak with any representative at Wells Fargo as I do not currently have an active account.