davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-30
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (FL)

I had to put my home on short sale because Wells Fargo did not want to modify my loan and insisted that I need to refinance instead which would have incur another set of closing fees running in the thousands. They 've given me a Pic A Payment loan and because of this, I was able to pay what I can afford each month and the balance of the interest will go right back into an owed to the mortgage. Needless to say my husband passed away and I was left with XXXX income and my daughter was receiving SSI. I 've sent numerous of papers and statements to them and each time I was told they did not receive it and I have a certain date that my application will expire. They 've given me the run around and put me in foreclosure that I had no choice but to sell it at $ XXXX instead of reorganizing my loan to fit this criteria. My daughter and I had to move with family and put my belongings in storage. I did contact the OCC and they were in touch with them to stop foreclosure, but that was all that came out of it. I will have to find my paper works because I have a feeling my income was inflated to get the original refinance for pic a payment. If this was the case, then I guess I can go ahead with a lawsuit as well and recover my losses.
Consumer complaint received 2022-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Regardless of the multiple written requests, the accounts listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with TRANSUNION, they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. 


XXXX XXXX XXXX
Consumer complaint received 2022-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Regardless of the multiple written requests, the accounts listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EQUIFAX, XXXX, they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. 

XXXX XXXX  XXXX
Consumer complaint received 2024-02-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (VA)

I am writing to formally dispute a collection account that has been inaccurately reported on my consumer report. It has come to my attention that this collection account has been placed on my report without adherence to consumer protection laws and regulations. 

As per 12 CFR 1006.34 ( b ) ( 5 ), collection agencies are required to provide validation information upon request. However, despite multiple attempts to obtain this information, the collection agency has failed to comply. This failure to provide validation information calls into question the accuracy and legitimacy of the reported collection account.

Furthermore, I have not been given the opportunity to dispute this account in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This lack of due process denies me the fundamental right to challenge the accuracy of the information being reported about me. 

In addition to these violations, it has also come to my attention that the collection agency may be engaging in deceptive practices, which is prohibited by 12 CFR 1006.34 ( d ). Such actions undermine the integrity of the credit reporting system and violate consumer rights.

Upon reviewing the circumstances surrounding this collection account, I have reason to believe that the collection agency may have acquired this debt unlawfully. Therefore, I kindly request that the Consumer Financial Protection Bureau facilitate the retrieval of the purchase agreement between the collection agency and the original creditor.

Obtaining a copy of the purchase agreement is crucial for evaluating the validity and legality of the collection agency 's claims. This documentation will shed light on the nature of their agreement with the original creditor and ensure transparency in this matter.

Additionally, I request that the Consumer Financial Protection Bureau verify whether the collection agency is licensed and bonded. It is essential to ensure that the collection agency is operating within the bounds of the law and meets the necessary regulatory requirements, as stipulated by 15 USC 1681-S2 ( 7 ) ( A ). 

I urge the Consumer Financial Protection Bureau to promptly request the purchase agreement from the collection agency and provide me with a copy for my review. Furthermore, I request verification of the collection agency 's licensing and bonding status to ensure compliance with regulatory standards. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to ensure consumer rights are upheld and that proper procedures are followed in resolving this dispute.
Consumer complaint received 2022-01-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MN)

I have made every payment on time! Mr Cooper lost 2 of my payments. I have tried fixing this with them by providing bank statements to show I HAVE PAID ON TIME. They refused to correct their mistake. They now reported my account as 30 days late. I dont know what to do they wont fix their error!
Consumer complaint received 2022-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OK)

Theirs a fraud alert placed on my credit profile and its hindering me from me trying to get my dream home for my kids. I mailed, and called experian to get my fraud alert removed from my credit report & no change. I mailed my request on XX/XX/XXXX.
Consumer complaint received 2016-12-15
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (NC)

I have a savings account and was told that first I had to have a {$2000.00} limit or be charged a service fee then I was told to avoid the service fee my account balance had to be {$2500.00} or have a deposit of {$75.00} monthly. 
I opted to have the deposit of {$75.00} and was charged the service fee. This institution changes the requirements at will and now wo n't xplain why this service fee charge when their requirements were followed.
Consumer complaint received 2022-01-31
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION (VA)

My name is XXXX XXXX and a resident of the State of Virginia. 
On XXXX XX/XX/2022, my bank, Navy Federal Credit Union, headquartered in XXXX XXXXVA , allowed fraudsters to siphoned over of {$20000.00} in my Checking and Saving Accounts. 

This criminal activity is the 3RD TIME WITHIN A YEAR THAT HAD HAPPENED BUT THE BANK HAS DONE NOTHING TO PROCTECT MY INTEREST/MONIES AFTER PERSONALLY WRITING A DETAILED/LENGHTY LETTER TO THE CEO OF THE BANK, XXXX XXXX. 

As I write this complaint, the bank has not refunded my stolen money - over {$20000.00} - into my accounts. I please need the help of the CFPB to help me retrieve my money and also look into this as I believe is an internal criminal activity within the bank. 

My account was not put on any HEIGHTENED ALERT after all these series of break-ins.
Consumer complaint received 2022-01-31
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. (VA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX Account XXXX : XXXX This Account is inaccurate and seeking litigation please delete it once 2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX & XXXX Account XXXX : XXXX This Account is inaccurate and seeking litigation please delete it once
Consumer complaint received 2023-02-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (NC)

File # XXXX PIN : XXXX XXXX DOS XX/XX/2021 Name : XXXX XXXX XXXX- We received a bill from CCS when he never received anything from XXXX XXXX. We sent CCS a message through their portal to verify this debt with evidence and never heard anything. They are still sending notices to pay. Obviously, wires are crossing and nothing is being resolved.
Consumer complaint received 2022-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

Hello, Today I am requesting the account in question be removed completely from my credit report. It's a very old account, almost 8 years in age. I would greatly appreciate if you could permanently remove it. Thank you. 

Im sorry for being specific, but i dont want the account hidden and still reporting, sharing and providing information to individuals that don't have my consent. Thank you in advance. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2019-11-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAVALRY INVESTMENTS, LLC (TX)

Calvary SPV I, LLC, original debt is XXXX. I went through hardships and lost my business, aka XXXX/job   after 16 years. Kept paying on dept to XXXX and creditor kept charging outrageous interest, penalties, and fines. Eventually XXXX locked me out of the account and I could not pay my bill then sold debt to Calvary SPV I LLC. without any notice to me. Calvary Spv I LLC contacted me aggressively and constantly, morning, afternoon, and night including weekends. Eventually got too aggressive and threatening they were asked to stop calling me. I am assuming it is a credit card that I was paying on. Calvary doesn't talk to me and directs me to the attorneys which they also refused to talk to me without giving them my social security number, though there are other ways to pull up my information like address, phone number and verifying that normally is enough. For security reasons I can't give sensitive info like a social over the phone to just anyone. For these reasons mentioned about and not being able to verify the debt, I now question the validity and dispute any allege debt in its whole. I need all information to verify said debt ; payments made information, interest rate, transfers, charges and complete history of " Alleged '' Debt. This creditor and its attorneys have refused to talk to me and get too hostile to deal with. I require all documentation associated with said debt and harrassing action, yelling, and legal action stopped.
Consumer complaint received 2022-01-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (MD)

Hello, I am writing today because on XX/XX/XXXX, I received a derogatory mark on my credit report from Convergent Outsourcing. In over 10+ years of having credit, I have not ever had such a mark placed on my account as I work very hard to pay all of my bills on time as I know how important my credit is. After investigation of this company, I believe this may be linked to a previous account that I had with XXXX, which was cancelled and fully paid for after their most recent data breach in XXXX. However, I dont know for sure if this is as a result of the cancellation and what this is for as I was never contacted at all about this. I am making this assumption as I found hundreds of horror stories online associated with this company and their scam collection attempts of previous XXXX customers. I never was allowed the 30 days to contest this debt and ask for proof of who and why this charge was issued against me, because I was never notified of this debt by either Convergent nor XXXX. This is illegal and predatory. My credit is now severely damaged as a result of this. I will be sending a verification letter request, disputing with the credit agencies, and getting a lawyer if needed. I work so very hard and i will not sit idly by while my financial future ruined. Please assist me with getting this resolved. This is, by law, criminal and this particular agency appears to be known for scamming people. I can not address a supposed debt that I didnt know existed in the first place. And I would have addressed this for sure. My record of always making my payments and on time speaks for itself. I do not play around when it comes to my credit score. This is my future at risk.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MO)

In accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, ( XXXX ) XXXX XXXX XXXX, ( XXXX ) XXXX XXXX XXXX XXXX15 USC 1681Section 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( 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. Lastly, 15 USC 1681 s-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 in accurate. I'm requesting that the accounts above be deleted immediately.
Consumer complaint received 2022-01-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (WA)

I had fraudulent/ unauthorized charges put on my account XX/XX/XXXX for {$200.00}, I immediately called Chase to tell them this was NOT authorized. 
They transferred me to the online transaction claims department which is 100 % in the XXXX. I submitted a claim 3 times with these people who continued to tell me they verified the charges were authorized from XXXX XXXX. I do not have a XXXX XXXX  account, so I contacted them and gave them the card number that was used, they asked me if that card was associated with another account, I said NO. They then said the items were sent to an address in Georgia and my card number was associated with another account and they would handle it and I would be refunded. 
So why has Chase paid them saying it was verified? Why have the funds been taken out of my account and why is the customer service in other countries doing nothing? 
Im XXXX and will have to change banks after this experience. I have been a good customer for over ten years.
Consumer complaint received 2022-01-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COLLECTIONS USA, INC. (CA)

I tried contacting the number listed and the phone just rings and rings. Ive left a voicemail. I have received no return phone calls. I am not aware of this debt collection and no additional information is being provided by the collection agency.
Consumer complaint received 2023-02-18
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. (NY)

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 : # XXXXXXXX XXXX XXXX XXXX XXXX  : # XXXXXXXX XXXX : # XXXX, XXXXXXXX XXXX : # XXXX, has violated my rights. 

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 2024-03-13
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. (GA)

There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' TRANSUNION XXXX and XXXX are consumer reporting agencies and I am the XXXX. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( XXXX XXXX XXXX ) the financial institution and the Consumer reporting agencies TRANSUNION and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to TRANSUNION, XXXX, ( XXXX XXXX XXXX ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( XXXX XXXX XXXX ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. TRANSUNION and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of XXXX XXXX XXXX reporting services. XXXX XXXX XXXX is also a third party debt collector that i have never contracted ever. They have no right to collect a debt from me.
Consumer complaint received 2024-03-14
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. (GA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights. 

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 an 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 2022-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

I filed 3 disputes with equifax about hard inquiries that I did not authorize I asked equifax to show proff where I approved this credit pull and all 3 times equifax failed to provide me any information and never sent nothing to the credit companies they failed to investigate anything