davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-10
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: EQUIFAX, 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. 

Account Name : DPT EDXXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account XXXX : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2022-09-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-09-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX  Account, 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.

The account was also paid in full.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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.

has violated my rights. Or list of inquiries 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 2022-04-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (PA)

Southwest Credit Systems placed alleged debt on my XXXX, XXXX and XXXX credit reports without modifying me. This is a violation of the Early Warning Clause which states that debt collectors are to notify debtors in writing before placing account on consumers credit report.
Consumer complaint received 2022-09-05
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is my XXXX complaint that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. This account is unknown to me. Also, the information you provided on the account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on the accounts is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX  XXXX XXXX Date Opened : XX/XX/2018 Balance : {$19000.00}
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (TX)

I opened up my account in XXXX I have my account was closed after 3 days when I got a paycheck and deposited into my account they close my account and I only owed {$63.00} I've tried to reopen my account but they keep telling me that I have to come in and open up an account when I did it online the first time nothing has changed address still the same driver 's license number still the same social security number still the same just wouldn't help me at all they're rude and they don't like to help people. I don't have my account number and routing number again this happened in XXXX so I really need your help I lost a lot of money behind that situation a lot
Consumer complaint received 2023-01-22
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. (IL)

After review of my credit report, according to the Fair Credit Reporting Act the following account : XXXX. XXXX XXXX XXXX account # : XXXX Has violated my rights according to 15 U.S.C 1681 section 602 A. States I have the right to privacy.

16 U.S.C 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish an account without my written instructions. 
No instructions were given to furnish this account on my report. Furthermore all debts with XXXX XXXX were settled and sealed in court without prejudice.
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (NY)

I had a account with Wells Fargo sometime between XXXX had money deposited into my account, never touched that money for 2 years, one day i decided to close that account and withdraw all my money because I had moved and there was no Wells Fargo bank nearby, when I went to withdraw my money from the Wells Fargo bank and close my account they said I owe them money to close the account, they had charged me all sorts of fee for not using the account and not using their cards, so they charged all fees and over drafted my account and resulted in negative balance, later I had to pay additional {$200.00} some to close out my account.
Consumer complaint received 2023-01-21
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. (CA)

I am a natural person I am a living human being, I have rights under 15 USC 1681. 

Equifax is governed by 15 USC 1681. and they violated my rights numerous times. I demand the accounts listed below to be removed because According to 15 USC 1681 : I have the right to privacy and did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CO)

-Submitted for XXXX XX/XX/XXXX with XXXX XXXX was moved to MOHELA XX/XX/XXXX -MOHELA still has not processed for the years XXXX  -Had a full application with signatures and dates, but required an updated employment verification for current job, sent on XX/XX/XXXX -Notified today XX/XX/XXXX that signatures were missing on forms. No signatures were missing.-Contacted them XX/XX/XXXX they said the entire application needed to be resubmitted and showed they had no other forms from me. 
-Notification while on hold with MOHELA says they will only process applications submitted by to XX/XX/XXXX. It appears resubmitting will be outside the window and cause the application to be denied. 

-Contacted MOHELA numerous times to get clarification, told multiple times it would be another 90 days. It has been 1 year and 2 months trying to get them to count the payments. My wife submitted her application at the same date and time and her application was processed by XXXX  and forgiven in XXXX of XXXX. 
-MOHELA was contacted on XXXX XXXX XXXX XXXX XXXX and multiple times on XX/XX/XXXX -How do I get them to count my payments on my original application before the window closes on the XXXX? This process has so far taken over 14 months.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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. 

Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2023-01-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

I purchased a home in XXXX right before the Housing bubble. Like many other home buyers, I experienced an unprecedented amount of burden on paying the mortgage after losing a major part of my income during the downturn. I called Wells Fargo around the middle of XXXX to see if there was anything they can do to help me with this unforeseen event. They proceeded to tell me that there was nothing that they can do and that I should consider short-selling the home. I was against that idea because if I did, I would've been living on the streets. I progressed to argue with them over and over for a number of years and finally, they just threatened to foreclose on the property because I was not making all my payments. I sent in payments when I had some money available. Finally, I was able to get some relief with a program here in Florida. They were able to get Wells Fargo to modify my loan. The loan was modified in XXXX. Now... this of course was many years after I first inquired for help. Throughout that time there were an enormous amount of fees that were built up ( some that I paid and some that I'm still paying ). When the loan was modified, they added all the fees to the back of the loan and extended the loan to a 40 yr loan (?? ). I was already down to 22-23 years on the original loan. It's been 15 years since I bought my home and I still owe more than 85 % of the cost of this property. Meanwhile, Wells Fargo is taking full advantage of the situation by collecting their interest. I'm hoping that with this new settlement that Wells Fargo has agreed to pay, ( which they have not notified or tried calling me about anything ), I can get some type of relief and/or compensation for all the issues I've had with them and the number of fees that were paid. Thanks. I appreciate your help with this.
Consumer complaint received 2023-01-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAVALRY INVESTMENTS, LLC (MA)

I got a summons from Calvary SPV, LLC trying to sue me for a debt that is not theirs, I never had business with them, and I am not sure on where they found my info. The last time i got a piece of mail from them I had requested proof from them to show me that they were legally the new owner of the debt as required by CFPB, but no paperwork was never sent. I had a card with XXXX that defaulted when I lost my job back in XXXX and somehow Calvary Portfolio is suing for that debt that is being reported as charged-off on my credit report. I contacted XXXX and was told that the account is charged-off and was counted as a lost on their part. Please advise on what to do. Thanks!
Consumer complaint received 2023-01-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (OH)

I am looking for help with Wells Fargo. I had a mortgage with them over the last XXXX  years and think I should be eligible for part of the lawsuit. I no longer hold an account and need to make sure I see the corrections if they are deemed right
Consumer complaint received 2024-04-11
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: TRUIST FINANCIAL CORPORATION (NC)

please reference previous complaint # XXXX I am attaching the receipt from Truist bank and my statement where it was taken out of my account. I called the bank myself and they told me I did not pay this. This alone shows me that something fishy is going on. What did they do with this money and why are your books off? I did pay and here is the proof. I would kindly request a refund of this amount. 

Also, I am attaching the letter that I received from the past complaint. There are a few discrepancies. 
1 ) the XXXX was contacted on XX/XX/XXXX ( see disclosure showing rate lock ends XX/XX/XXXX - 6 months from lock in. 
2 ) " the cost of the rate varies '' Ok... I don't believe that people have to pay 1.5 points without anyone telling them that is how they are getting the rate. It still needs to be disclosed BEFORE I pay an enormous lock in fee of {$1700.00} and it was not. Although you are stating it does, the XXXX even apologized to me stating that she " normally tells people this '' and she was sorry that she did not in this case. During my conversation with my XXXX I WAS NOT advised of the rate lock fee or the points ... of course she is going to say this. I even called the manager to listen to the phone recording because I KNOW she DID NOT. He said they don't record those conversations. This XXXX is wrong and she just needs to admit that she made a mistake instead of lying about it. 

- the one truth is that I did receive my updated disclosure on XX/XX/XXXX through the portal HOWEVER it was never mailed to me. This was 3 days after I locked. 

The rate lock form that I signed is attached and FLOAT OPTION is marked and at the top it says... to please review the float or rate option marked below and I did just that. The float option has nothing about rate lock fees or them being non-refundable. I did not read the rest because it specifically says review the option MARKED. 

I am attaching the receipts and would like this to be revisited with MY proof that I paid even though Truist is showing no record. Please allow this to be refunded. Anyone can see that all this was just wrong and the XXXX  did not act in a professional manner and she did not do her duty to the consumer by disclosing everything ahead of time.
Consumer complaint received 2023-08-09
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC. (MD)

On XX/XX/XXXX POA revocation was sent certified mail. XX/XX/XXXX letter of recission and Affidavit was sent to XXXX XXXX. In XX/XX/XXXX contract was executed under false and fraudulent pretense to include inflated purchase cost, XXXX contract, down payment and dealership processing fee.
Consumer complaint received 2023-01-22
Product: Checking or savings account — Other banking product or service
Issue: Problem with fraud alerts or security freezes — 
Company: WELLS FARGO & COMPANY (FL)

My phone number on my checking account has been changed and was not aware of this, I did change it to the correct number ; also there was fraud to my account last year, and they let it go without putting a hold on the funds ; and they should know my pattern for shopping.
Consumer complaint received 2024-04-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (TX)

My previous account with Wells Fargo was unfairly charged with surprise overdraft fees on debit purchases and ATM withdrawals, even when I had enough money in my account at the time of the transaction. There were also charges from monthly fees when they shouldnt have been. Wells Fargo advertised no fees if a customer made XXXX or more debit card purchases and/or payments in a month, but the bank limited the types of eligible payments and didnt count debit transactions that posted days later. My money was unfairly frozen for weeks if Wells Fargo suspected a single deposit was fraudulent. Which resulted in me messing up my credit. After dealing with so many fraudulent charges on my account it began to hit a - {$800.00} balance, the account was then closed. And I was left with a nothing but a fraudulent balance to pay.
Consumer complaint received 2022-09-30
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-09-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-09-05
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. (NY)

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these item are being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 

Since you CLAIM TO HAVE VERIFIED THESE ACCOUNTS BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO " UPDATE/REPAIR '' THE FOLLOWING ACCOUNTS. 

XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7500.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.