davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-06
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (AR)

in XXXX my parents refinanced a mortgage with wells fargo in XXXX my father passed away in XXXX my mother passed away i was authorized on the account and had power of attorney. I did not know my poa was no longer valid after my mother was deceased but continued making mortgage payments to XXXX XXXX i do believe this account was put into an automatic forebearance due to covid-19. every mortgage payment was made from XXXX to XXXX XXXX in XX/XX/XXXX i started the forebearance in 3 month increments for 12 months. being authorized when it was time to talk to the lender about the next step in XX/XX/XXXX i asked to have the forebearance year put on the back of the loan so i can resume making payments. A representative from wells fargo insisted i do a modified loan and insisted i look at the new loan, i agreed and when i received the loan at the end of it it needed notarized signatures from both parents. i called wells fargo back to let them know that my parents were deceased and they told me i needed to send both death certificates and a copy of my identification. i sent in the information and they informed me i needed to wait for their response. when i received the response it stated i needed to get a letter to creditors a publishing and other legal documents. while i hired an attorney to provide all of this documentation i received a letter stating i am no longer able to access the account or make any payments. i was also told via telephone conversation that i would not be foreclosed on after i stated to make my payments by a representative. while all of this was taking place in XXXX of XXXX i received a letter telling me the home was being foreclosed on and the following XXXX the publishing ended the will was administered and my brother who was the beneficiary received a deed of distribution then deeded the home to me because i lived in the home and he was out of state. I called wells fargo well over 30-50 times all of the different departments trying to work with the lender which i had read to keep the home and every response to me was a letter stating i was not a confirmed successor and that they could not work with me. I was under the impression that as long as i was trying to keep the home that they would work with the heir which is myself to keep the home. The home went into foreclosure and auctioned on the XXXX so now there is a holding company that has sent me a 3 day quit notice and letting me know that i am unlawfully living on the property. I am still trying to keep the home and hope that i can keep the modified loan that was offered to my deceased parents who never missed a payment. I am at the present the property owner with mers on my land record. I am willing to continue to work with the lender to keep this home and in hindsight if the home never received an automatic forbearance i could still possibly be living in the home as long as i kept up with the payments.
Consumer complaint received 2023-04-12
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. (FL)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2023, to update this suspicious information. 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. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX Balance : {$410.00}, XXXX XXXX XXXX XXXX Balance : {$8.00}, XXXX XXXX Balance : {$5900.00}, XXXX XXXX XXXX Balance : {$23000.00}, XXXX XXXX XXXX Balance : {$1400.00}, XXXX XXXX XXXX Balance : {$950.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX**** Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00},
Consumer complaint received 2022-11-10
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: CAPITAL ONE FINANCIAL CORPORATION (CT)

In accordance with the Fair Reporting act XXXX  XXXX XXXX acct # ending XXXX, Kohls acct # XXXX, and Capital One acct # XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

This creditor has reported to XXXX XXXX and XXXX
Consumer complaint received 2022-11-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. nothing happened, they stated was verified but could not send me any information on who verified or anything. 

I have sent 3 letters, the last has been attached
Consumer complaint received 2022-11-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I have information reported on my credit file and Inquiries that I did not authorize. I had filed complaints to the XXXX on XX/XX/2022. The bureau received the complaints but has not taken off the Unverified information from my report. The Bureaus have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section611 ( 5 ) ( A ) of the FCRA you are required to delete all information that can not be verified.
Consumer complaint received 2015-09-17
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (PA)

Nationstar mortgage i feel discrimated and cheated.They send repeated bills with wrong amounts saying I owe.On XXXX XXXX which is the date my current mortgage amount us due i owe XXXX to get current with XXXX in suspense.9 days later i owe XXXX with only XXXX in my suspense my suspense should not decrease unless they mail it back to me.So my suspense decreases by XXXX and the amount they say i owe increases by XXXX it should be the other way around.Makes me question wheres my money going.I filed for a home modication due to change in income no contact as of yet.I feel cheated and ignored
Consumer complaint received 2023-03-12
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: EQUIFAX, INC. (GA)

Through XXXX there were several fraudulent Inquiries There was an inquiry for XXXX XXXX on XXXX XXXX There was an inquiry for XXXX XXXX XXXX  on XX/XX/XXXX There was an inquiry for an XXXX XXXX XXXX/ XXXX XXXX on XX/XX/XXXX There was an inquiry for XXXX XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX There was an inquiry for XXXX XXXX XXXX on XX/XX/XXXX There was an inquiry for XXXX placed XXXX XX/XX/XXXX Through Equifax there were also Fraudulent Inquiries made There was an inquiry for XXXX  Inquiry : XXXX. XXXX, XXXX There was an inquiry for XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX There was an inquiry for XXXX XXXX Inquiry : XX/XX/XXXX There was an inquiry for XXXX XXXX, XXXX XXXX : XXXX. XXXX, XXXX There was an inquiry for XXXX XXXX : XXXX. XXXX, XXXX There was an inquiry for XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX There was an inquiry for XXXX XXXX : XXXX. XXXX, XXXX There was an inquiry for XXXX Inquiry : XXXX XXXX, XXXX There was an inquiry for XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX There was an inquiry for XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX There was an inquiry for XXXX Inquiry : XXXX XXXX, XXXX I am not one to check my credit often but when I did I noticed a lot of unauthorized inquiries that were not placed by me and this has caused my credit score to drop drastically in a short period of time, I do not want what someone else did affect my credit, Ive worked hard to get my credit score up only for someone to cause it to drop and its not fair to me
Consumer complaint received 2022-11-10
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 a victim of identity theft and the fraud account it is ruining me and my families lives. I have sent over multiple documents including a FTC report showing and stating that this is FRAUD with all forms of my ID which was ask for to verify that its me. I will be reattaching the information again. I have did my research and according to the law any Fraud accounts must be blocked and remove within 4 business days. How much longer must I suffer with this account its not mine and I shouldn't be penalize for it. I know you wouldn't want to suffer with a Fraud account as well. Do the right thing and help me get justice my family is depending on it to buy our house.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

On XX/XX/XXXX I made a mobile deposit of my payroll check in the amount of XXXX into my capital one checking account. Before the deposit was made it said funds available the next day. After the deposit was made is said funds available XX/XX/XXXX. Then I got an email about the hold until XX/XX/XXXX, then a second email saying it would be released XX/XX/XXXX. I called on XX/XX/XXXX about the hold and a manager said funds would be available on XX/XX/XXXX. My online acct also says XX/XX/XXXX. On XX/XX/XXXX I called because the funds are not available and am being told XX/XX/XXXX regardless of what the email or my online acct states funds will not be release until XX/XX/XXXX. The bank has given no explanation other than saying XX/XX/XXXX means at XXXX on the XXXX which is actually XX/XX/XXXX after XXXX  on the XXXX. Then I was told it was because Im in central time zone and they are eastern time zone and technically it will be XXXX my time XX/XX/XXXX when funds are released. That seems a bit insane.
Consumer complaint received 2023-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (AL)

Every time when I try to build available credit on my dental finance account. They take credit away from me now I only have {$75.00} available credit which I can't use for dental services. This is causing me mental distress which I shouldn't have to go through. I had {$200.00} available credit now it has been taken from me. It seems to me they don't want me to use my account anymore.
Consumer complaint received 2023-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: Continental Finance Company, LLC (UT)

I lost my job on XX/XX/22 and recently filed a claim for my credit card protection to cover my monthly payments until I find a job. 

I could not get my former employer  XXXX to complete their portion of the form since there's no on-site XXXX XXXX personnel. 

I recently provided a copy of the payment history from the Utah unemployment insurance office, however, my request has not been processed or denied and this delay has impacted my credit score.
Consumer complaint received 2018-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (TX)

To '' ATTENTION XXXX CREDIT CARD MANAGEMENT OFFICER_ FRAUD ACCOUNT NUMBER ENDING.. XXXX as of XXXX at a previous residence in the state of GA. WHEN I WAS IN BRANCH ON XX/XX/XXXX ; I WAS ADVISED DURING THE OPENING OF A PERSONAL BANK ACCOUNT WITH CHASE THAT I HAD A PROFILE WITH THIS " XXXX '' CC WHICH WAS WRITTEN OFF IN THE YEARS BTW. XXXX XXXX? UNCERTAINLY I HAVE NO KNOWLEDGE OF THIS ACCOUNT AS REPORTED TO XXXX ON XX/XX/XXXX. I HAVE BEEN ASKED TO WAIT AT LEAST 90 DAYS FOR COMPLETE REINVESTIGATION. IN THE MEANWHILE, I HAVE NOT RECEIVED THE LETTER DOCUMENT OF STATEMENT ABOUT THIS AT MY CURRENT ADDRESS ON RECORD ''. 
CONSEQUENTLY, I WAS DENIED A XXXX XXXX CC BECAUSE XXXX IS LISTING A VERY LOW CREDITSCORE W/ ENROLLMENT AS I HAD LABOROURED TO ACCOMPLISH A CLEAN SLATE THAT IS NOT REFLECTED HERE WITH THESE ACTIVITIES ''. 
" ADDITIONALLY, I HAVE BEEN ADVISED THAT MY NEW ACCOUNTS ARE UNDERGOING CLOSURE AFTER OPENING ''. CAN YOU LOOK AT THIS MATTER INFLUENCING MY FINANCIAL BANKING RIGHTS TO MANAGE MY MONEY WITH A BANKING INSTITUTION, NAMELY XXXX BANK, XXXX XXXX ''. 
FRAUD COMPLAINT TO CORPORATE MANAGEMENT, XXXX BANK :. " MY DEBIT VISA CARD ... .HAS BEEN CLOSED TO TELEPHONE BANKING. IT IS LINKED TO MY PERSONAL ACCOUNTS. I WAS ADVISED THAT ALL ACCOUNTS AND DEBIT VISA CARDS CLOSED AFTER UNDERGOING REVIEW '' ..IS THERE ANYTHING THAT CAN BE DONE ON MY PART. I PREFER TO KEEP THIS ACCOUNT ACTIVE. '' " Consequentially I was declined a new " XXXX XXXX '' CREDIT CARD UPON A XX/XX/XXXX APPLICATION BECAUSE OF PREVIOUS AND CURRENT CREDIT SCORE and other factors ... .. '' I have needs to utilize my account with debit card. I was advised by telephone lost agent that my account was closed after undergoing a review. I am not in receipt of any such alerts or mailed document. 
I am not understanding if both the checkings ending..and savings account ending ... ..? What about my online access to this messaging feature, would I be able to continue online access? The card ending in ... is linked to these accounts and is it the card that needs replacement?
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2022-11-10
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. (LA)

I have filed several CFPB complaints against Experian concerning the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXXXXXX XXXX XXXX. In these complaints I requested that Experian provide the legally required proof they used to verify these two accounts. Experian had 15 days to produce said proof and they failed to do so. Therefore Experian is in violation of the FCRA Section 611 ( a ) ( 6 ) ( B ( iii ) and section 611 ( A ) ( 7 ). Due to these FCRA violations the two accounts must be DELETED from Experian consumer report immediately.

Experian is also in violation of 12 U.S.C. 5534 ( b ) ( c ) ( 1 ) because they did not adequately respond to my CFPB portal complaints.

Experian has violated the FCRA Section 607 ( b ) and 15 U.S. Code 1681e ( b ) by failure to use reasonable procedures to ensure maximum accuracy.

Pursuant 15 U.S.C. 1681e ( b ) requires that EXPERIAN MUST USE " reasonable procedures '' to assure the " maximum possible accuracy '' of information.

Experian has knowingly, willfully, and negligently violated my consumer rights and the FCRA. Experian is guilty of complete negligence and failure to adhere to FCRA mandated dispute procedures. Experian has damaged my character, reputation, and credit worthiness. 

Experian is also in violation of a CFPB Supervisory Order. 

Experian is also violating my right to privacy Pursuant to the FCRA 15 U.S. Code 1681, 602 ( a ). Experian has also violated my rights Pursuant 15 to U.S. Code 1681, 604 ( a ) ( 2 ) states that a CRA can not publish or furnish an account without my written instructions.

Pursuant to 15 U.S. Code 1681s2 Experian has a duty to ensure that they are reporting accurate information.

Experian is in violation of 15 U.S.C. 1681i for failure to conduct a reasonable investigation to determine whether disputed information is accurate.
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. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2023-11-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (NE)

Nelnet took {$200.00} on XX/XX/23 from my account after my loan was transferred to a new servicer and has not responded to my messages. The {$200.00} was not transferred to my new servicer or given back to me.
Consumer complaint received 2023-08-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XXXX To Whom it May Concern This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 usc 1681e ( b ) Compliance and procedures ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall fellow reasonable procedures asure maximum possible accuracy of the information concerning the individual about whom the report relates. 

otherwise anyone paying for your reporting services could fax, mail, or email fraudulent account. 

I demand to see verifiable proof XXXX oraginal consumer Contract with my signature on it that you have in file for the accounts listed below or a certification from the creditor that certified the accuracy and completeness of the information Your failure to positively verify these accounts has hurt my ability to obtain credit.Under the FCRA unverifiable accounts must be deleted and if you are unable to provide me a copy of verifiable proof you must Delete the accounts below I demand that the following accounts be deleted immediately XXXX XXXX XXXX XXXX account number XXXX amount XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX  account number XXXX amount XXXX in addition Delete all non account holding inquiries over 30days old Under federal law you have thirty ( 30 ) days to complete your re-investigation Be advised that the description of the procedure use to determine the accuracy and completeness of the information is hereby required as well to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

thank you XXXX XXXX
Consumer complaint received 2016-09-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: New Era Asset Management, LLC (GA)

Receiving multiple repetitious collection calls from collection agency on my sons account that is in collections with New Era Asset Management. Called me XXXX/XXXX/16 at 4 separate times from XXXX different numbers XXXX and XXXX between XXXX and XXXX. On all 4 calls received during that 8 minute period, no messages were left requesting a call back. 4 calls from a collection agency in 8 minutes is collection harassment. Especially since no messages were left. In addition, this collection account is actually in my sons name, but he did approve for me to speak the them on his behalf. I spoke with them 2 days in a row in attempt to resolve the collection account balance, but there is no need to continuously make harassing repetitious phone calls.
Consumer complaint received 2023-06-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Moore Law Group (CO)

This is the second time Im gon na do a complaint on The Moore Law Group. I did not have any communication with them beforehand. According the XXXX XXXX XXXX Im supposed to be notified before them taking me to court. Regardless of whatever, they broke the law and its unlawful for them to continue pursuing me.