davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-03
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: William D. Meeker Enterprises, Inc. (AR)

On XX/XX/XXXX we called XXXX XXXX. XXXX XXXX. I never spoke to them at any point in the conversation. My wife spoke on my behalf while I was present. My wife did not give them permission from me or herself AT ANY TIME to do any soft or hard inquiries on my credit report. They decided to pull my credit anyway on the XXXX and the XXXX. This is a direct violation of law.
Consumer complaint received 2022-03-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I applied for a loan modification due to the COVID crisis. Lost my good paying employment to later ( XXXX of XXXX ) regain employment at a lessor salary and my spouse becoming permanently XXXX and receiving XXXX. I had no choice but to find a second source of employment in order not to lose our home. We applied back on XX/XX/XXXX and been given the run around since. Please help by reaching out as XXXX terrified to lose our home. 

XXXX still waiting for Wells Fargo to call or mail a verification of employment to employer. It was initially generated on XX/XX/XXXX. However, employer has yet to receive a phone call or a verifican of employment form via mail. I have submitted all the correct documents requested by Wells Fargo and was told that the employer had a non serviceable number? When the employer had already supplied a written verification of employment with all correct information on header. I spoke to Wells Fargo about this issue on XX/XX/XXXX and told them I would be following up with this concern to cfpb and they suddenly were able to correct the employers number from information on the verification of employment. What other number they had on file I have no idea where it came from. Had they looked at the verification of employment letter all the correct Information was provided. They then notified me that everything has been completed and verified. However, my application for the COVID recovery program has been in limbo for 3 months and still no answer yet. They had originally reported back to cfpb they would had a final decision in 60 days and Im still waiting past 3 months now with no decision.
Consumer complaint received 2020-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I have made 5 yes 5 complaints against Experian with the CFPB this would be the 6th. They have never responded to my complaints stating : " your reinvestigation does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on the request. '' I have been sending mail to them for over a year and have recorded phone calls of them stating that they confirm these accounts being Paid In Full in XXXX. Bankruptcy and credit accounts on report validation request are also ignored and I send them certified with a bill and copy of my ID. Experian has stalled for long enough. Please see previous complaints below and review all documents sent to experian directly by me. I have also attached my XXXX paperwork, bank document, a photo taken today with me holding a note to experian, my Ohio Drivers License, NC ID, Unemployment documentaion that came today and other mail sent to me today confirming I am me. The call I recorded is also attached in the previous complaints made but will not load to this one. There are so many documents that all can not be loaded due to the MB allowed. I will be willing to send them by mail or email if needed. 

A complaint was filed with the FTC on XX/XX/XXXX as well as the XXXX   on XX/XX/XXXX
Consumer complaint received 2024-01-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to express my EXTREME FRUSTRATION, DISAPPOINTMENT, AND ANGER regarding the continued reporting of fraudulent accounts on my credit report. Despite repeated requests for removal and clear evidence of identity theft, your bureau has inexplicably ignored these removal requests, allowing these fraudulent entries to persist and tarnish my XXXX. The fraudulent accounts on my credit report not only jeopardize my financial standing but also cast doubt on the integrity of your credit reporting processes. 
XXXX XXXX XXXX FRAUD, PLEASE DELETE!!! 
XXXX XXXX XXXX FRAUD, PLEASE DELETE!!! 
XXXX XXXX FRAUD, PLEASE DELETE!!! 
I have submitted numerous requests to remove these fraudulent accounts, providing documentation and evidence of the identity theft. Yet, these requests seem to have fallen on deaf ears, as the inaccurate and damaging information remains on my credit report. This negligence and disregard for my rights as a consumer are both unacceptable and infuriating.
Consumer complaint received 2023-01-06
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. (MD)

I received your mail Equifax, you seem to be confused about my request to have negative items removed from my credit report. you Equifax are committing fraud! According to chapter 15 U.S code section 1681 states a consumer report should not include a ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. to put in layman terms the experiences reported on my credit report like utilization is not permitted. all accounts on my report showing balances should be removed immediately! my accounts should show zero balances. all inquires should be removed. furthermore it also states that my report ( 2 ) does not include the age or gender of a consumer, demographic information about the consumer, including a consumers residence address or e-mail address, or any other information about a consumer that does not relate to the physical, mental, or behavioral health or condition of a consumer, including the existence or value of any insurance policy. you have all my personal information shown to the public and this violates my rights to privacy. this puts me in harms way and in danger. have all my information removed as soon as possible. Adding on ( A ) the consumer who is the subject of the communication ( i ) consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication ; ( ii ) consents orally or in writing to the making of the communication to a prospective employer, before the making of the communication; and ( iii ) in the case of consent under clause ( i ) ( ii ) given orally, is provided written confirmation of that consent by the person making the communication, not later than 3 business days after the receipt of the consent by that person. this is self explanatory i did not ever gave you consent or permission orally or written to furnish my personal information. this is IDENTITY THEFT! ( v XXXX XXXX. The term XXXX means the XXXX. [ XXXX ] ( XXXX ) The term XXXX means the XXXX XXXX XXXX XXXX XXXX Equifax why are posing as XXXX. you are a third party. reseller of my information. ( u ) Reseller.The term reseller means a consumer reporting agency that ( 1 ) assembles and merges information contained in the database of another consumer reporting agency or multiple consumer reporting agencies concerning any consumer for purposes of furnishing such information to any third party, to the extent of such activities ; and ( 2 ) does not maintain a database of the assembled or merged information from which new consumer reports are produced. ( v XXXX XXXX. show me proof of any agreement that allows you to do this. if not you admit to knowingly breaking my federal laws and putting my life in danger.
Consumer complaint received 2020-08-04
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. (TX)

XXXX and equifax has my whole credit report XXXX  up see the ftc and all documents to settle my case pls XXXX XXXXXXXX XXXX not mine XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX not mine addresses
Consumer complaint received 2020-08-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NY)

Have 45 yr mortgage with Wells. Im a single XXXX  bankrupt mom sick after XXXX XXXX XXXX gone wrong. Wells never paid my escrowed home insurance. They lied over 6 weeks claiming on XXXX bulk check denied then said another left on XXXX then told that never went out. Then told next check sent XXXX but insurance never received. Then exec office XXXX XXXX told me last Friday new check was overnighted. But that one never received either. Wells is taking my home leaving son and I XXXX  on streets as I XXXX XXXXXXXX XXXX. By escrow law they were supposed to pay
Consumer complaint received 2019-12-30
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. (FL)

I've sent a letter to the credit bureau around XX/XX/XXXX and never received a response. It's as if they are ignoring my requests and violating my FCRA rights by not investigating the inaccurate information on my credit report. This is extremely frustrating and stopping me from pursuing my dreams of homeownership. Why are they doing this to me? I just want them to respond or remove the inaccurate information.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Issues Arising : I have a few issues here from my understanding it is clear to me that I have mailed out several letters to each credit bureau asking them to validate each account which seem to be quite a few of fraudulent and questionable accounts that is listed in my credit report. Which is inaccurate information that's reporting. The credit bureaus have received each letter that was sent certified mail it's been over 2 months and I Have yet to receive any validated updated information concerning these accounts in question. It's very clear and bright to me that these credit bureaus are choosing to ignore the laws and decide to take advantage of consumers. I can not express my frustration enough on how big of a stress it is and how much money I have lost constantly. sending out letters with no response being that I just sent out another letter. XXXX 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. 

XXXX XXXX XXXX XXXX, has violated my rights. 
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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I believe the information on the XXXX XXXX XXXX account to be incorrect, I never had an account with XXXX, and i have never Owed a balance of {$510.00}. i am not sure or aware of XXXX 's debt of {$510.00}. I am requesting a copy of the original contract of this account with all payments made to the original account to make sure this account is truly reflecting its true balance. Also, i have previously contacted XXXX XXXX XXXX that i refuse to pay this debt and to stop all collection attempts. they failed to comply and attempted to collect the debt when i called them on Wednesday, XX/XX/XXXX violating my consumer protection rights and violating the FDCPA. since i have not received what i have requested it made me believe that the accounts may not belong to me. I repeat that i have never had a contract with XXXX or never have i had a debt of {$510.00}, This it is believed to be false information and a violation to 15 usc 1692e.

I can not tolerate these violations and these accounts that I do not recognize to be reported into my credit file. 

This complaint serves as a formal declaration of my refusal to pay this inaccurate debt that XXXX XXXX XXXX  claim i owe and i demand that XXXX XXXX  cease communication with me unless to report the closure of the account they claim i owe. I intend to take legal action if these violations are continued.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I got my credit report, and there was a lot of personal, inaccurate information. My name is XXXX XXXX XXXX, and my address is : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Delete everything else.

I am an informed consumer and I know my rights Pursuant to the Fair Credit Reporting Act ( 15 USC 1681 ( a ) ( 4 ) ), I am a federally protected consumer, and I have a right to privacy.
Consumer complaint received 2020-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY (PA)

The amount is {$89.00}. I got charging case from merchant in XXXX but in XXXX case stop working I do have receipt where is saying that I got 5 years warranty so I try to call merchant numerous times but no luck so I call my bank and file dispute after some time I received a message that this transaction is legit and they can't dispute it I call them they said write us letter to reopen case I did so but nothing so I call and call and call and email but nothing so finally someone from private number call me back and told me to stop calling and email them go my way and deal with a merchant that they will not dispute this transaction. Please help me I know its seams {$89.00} not a lot but its big money form me.
Consumer complaint received 2023-01-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

In Reference to Complaint XXXX The response provided to me and you the CFPB by my mortgage company RightPath Mortgage is inaccurate at best and at worst just a Flat out Lie being given by them to avoid taking responsibility for their poor actions toward me the consumer. When I complained that they caused me to lose my modification plan with more favorable terms by not making provisions for me to make payments on it on time, they said they have no record of me ever calling in to even try to make a payment on my original Trial Plan. That is completely FALSE. 

They would never accept or allow me to make a trial payment on the modification given by the prior servicer in spite of my making numerous calls to attempt to make the payment... I was repeatedly told they have no record of the modification and no way in their system to process the payment and told me to just wait until my complete file has been transferred over. This began in XX/XX/2022 when the first payment was due and continued. On XX/XX/2022, I emailed the Modification Assistance department about the problem but NEVER got a response from them at All ... nor did they make the adjustments to give me the ability to start paying. Below is a copy of the email that I sent proving that I contacted them complaining that I was trying to pay but could NOT due to their system 's inability to accept my payment.
Consumer complaint received 2022-03-01
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: Experian Information Solutions Inc. (GA)

its been over 4 months now and I thought I would get a response from your company after 30 days but it seems my letter is being ignored. I sent the letter on XXXX XXXX but I sill haveng hot any response. I joined an online forum that discusses consumer rights and credit bureau violations and I was told that I could file complaints on CFPB since you are not doing what you're supposed to be doing. I was also informed that if I don't get a response from you w/in that period, the listed information on the letters must be deleted. Please reinvestigate and send me proof that you validated everything. I will wait for another month before i take my next steps.
Consumer complaint received 2020-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My 3 credit reports are showing I have an account with the Dept of Education. I went to college 1 time years ago and my loans were forgiven because i became XXXX. This should not be on my credit reports
Consumer complaint received 2022-02-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

I want to submit a complain with regards to Navient and how the Department of Education is handling the new XXXX waiver. In my time of repayment, in XXXX to be exact I had issues with an affordable plan due to a nasty custody battle. When I called to request a lower payment on my federal and private loans held by navient. I was basically given the only option of default. I was basically told, it was better to default on a federal loan rather than my private loans. I have not missed a payment on my private loans, not even late. My federal, defaulted and my XXXX taxes XXXX was garnished. I was able to rehab my loans in XXXX and have it in good standing. Now with the XXXX waiver, we come to found out those default payments, and garnishment are not being counted. Those are payments, to my loan that is now in good standing. How is that fair? If new loans combine with old loans are being forgiven. If repayment status rather than actual payments are being counted? my default payments were real all XXXX, XXXX dollars. Please help us to have this address, the waiver needs to be updated and to include all types of payments!!
Consumer complaint received 2022-03-01
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: EQUIFAX, INC. (OK)

This is a complaint against timeshare XXXX XXXX XXXX - XXXX XXXX XXXX The people we dealt with told us that we were making a good financial investment. They said I can earn from this if I decide to sell it as the resale value would go up. We were also told that it had some tax benefits similar to owning a second home. We felt pressured especially when they said they needed " corporate approval '' in order to grant me the price being offered and it's our last chance at the lowest price. They opened a credit card. They offered gifts like {$100.00}. They have our ID during this process. We felt extremely pressured during the whole process, they even used threatening statements when we asked assistance in selling. We didn't know how to cancel, we were never properly educated of it like how many days to cancel and such. We tried requesting to cancel but we were never assisted. We had the worst experience with this timeshare, we were highly pressured with their sales tactics. We were under impression that it was a bargain deal being offered to us, purchasing someone else 's timeshare that they needed out of. Thus, we were led to believe that they actually assis owners who need to sell and exit. We were simply defrauded and lied to. We're elderly, it felt our age were used and had been taken advantage of. Having this timeshare just gave us hardships than giving us a way to relieve our stress for people our age, especially when we're already dealing with several medical conditions but getting involved with them just doesn't help, actually making it worse for people like us. We had financial difficulties, negatively affecting our credit scores because of this, loss of income, can't pay bills etc. Experienced work stress and issues due to this timeshare, plus emotional relationships were affected well. All we got is being stressed out ever since we had this timeshare.
Consumer complaint received 2020-01-04
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: MidAmerica Mortgage Inc (KS)

My homes mortgage is behind and I have tried to contact the company, Mid American Mortgage every day for weeks now and I can not get anyone to contact me back. I have sat on hold for hours but never get through to a person. I just need someone to talk to me.
Consumer complaint received 2022-03-01
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. (FL)

In accordance with the fair credit reporting act XXXX XXXX Acct # XXXX 15 USC 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 

( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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