davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This complaint is in relation to the reporting of late payments on accounts and the reporting of a bankruptcy on credit reports. When a bankruptcy is filed, the filer is counseled not to pay any payments on installment accounts. 
However, there are two separate sections which are reported negatively on the credit report for those same past due payments- thus, you are dinged in two separate categories negatively for the same transactions. 
One category cites legal actions including bankruptcies and the other category cites delinquencies. 
If the only reported delinquencies occurred during the filing of the bankruptcy, during a period in which you are counseled not to make payments due to the bankruptcy, then those same transactions negatively impact your credit score twice- which is 50 % of your credit score, rather than the 15 % of the score for publicly recorded issues or 35 % of the score for late payments. 
These same transactions which are included in the bankruptcy ( and state so on the report ) should not be delinquencies reported separately ( which thus critically hurts the credit score in an imbalanced method ).
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CT)

Your investigation did not fix error in my credit file. I have informed you already that my report contains accounts that results of identity theft. Please do you reinvestigation and notified me of the result. After your investigation and corrections I want an updated credit report that negative items removed and deleted from my file.
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

Your investigation did not fix error in my credit file. I have informed you already that my report contains accounts that results of identity theft. Please do you reinvestigation and notified me of the result. After your investigation and corrections I want an updated credit report that negative items removed and deleted from my file.
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 Per the Fair Credit Reporting Act, a consumer may request a description of the procedure used to determine the accuracy and completeness of disputed information. It also states that the credit bureau shall provide a description of such investigations within 15 days of the consumers request.
Consumer complaint received 2018-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX sent me an email stating that they are no longer serving my account when I called to settle. XXXX XXXX is the person that emailed me. His email is XXXX. Please see the attached letter as confirmation that XXXX XXXX XXXX no longer has this account.
Consumer complaint received 2018-08-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: GFS II, LLC (PA)

Auto loan opened in XX/XX/XXXX. 
Car repossessed in XX/XX/XXXX. 
Letter sent in XXXX or XX/XX/XXXX stating that the car was sold at auction and balance was reduced by {$6000.00}. 
Loan appeared on credit report twice, with two different loan amounts and dates. The one with the lower balance was eventually deleted. 
I've been trying to get in touch with the company to work out a payment plan, but nobody answers the phone and they will not return my messages. I want to see that the amount is correct for this loan. It's still showing as an open account and new missed payments are still appearing on the account. They're still charging me interest on this loan. I filed a dispute to try to gain information on this loan, it was denied. I filed another dispute with XXXX this morning, again to gather more information on this loan. The total amount I'm being held accountable for now is roughly {$13000.00}.
Consumer complaint received 2018-05-01
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Shellpoint Partners, LLC (TX)

I have been trying to work with XXXX XXXX XXXX for over three years ; I am the Trustor to our deed of trust and have a right to answers. I filed Bankruptcy in XX/XX/XXXX ; and was in Bankruptcy from XX/XX/XXXX-XX/XX/XXXX ; the bankruptcy was successfully discharged XX/XX/XXXX ; with no debts owed. Because XXXX had collected on the Title Insurance we purchased at closing for them in the amount of {$200000.00} ; these entities are known as " hustlers ''. In addition, they used our {$80000.00} we had in equity to securitize into a XXXX XXXX ; XXXX XXXX XXXX or XXXX XXXX/XXXX XXXX XXXX. Since all there settlement agreements with the SEC, FHA and XXXX XXXX XXXX XXXX XXXX have all released the liens and the properties reverted back to the lenders and are all listed as Real Estate Owned, REO property ; which have strict Dodd Frank regulations, Pooling Service Agreement, PSA regulations as to how to remove occupants from resident through open market sales or eviction. But has instead chosen to foreclose on REO property without the authorization of the Master Servicer XXXX or the XXXX XXXX XXXX XXXX, XXXX in which both their Power of Attorneys, PA are attached stipulating their authority and authorization ; the XXXX PA indicates Shellpoint may only ( track/monitor ) " disposition '' ; and XXXX PA outright forbid foreclosing on REO property. Nevertheless, Shellpoint is illegally using their resources and agents to initiate foreclosure proceeding despite their given authority. I contacted XXXX  which told me to contact the servicer because they do not get involve with foreclosure proceedings nor initiate them. You can contact XXXX by email at " XXXX '' enter our property address or any property address and they will response within 24 hours with the status of the property. In addition, REO property may indicate the property has already been foreclosed on unsuccessfully which would give the lender ownership ; this seems to be the case since the REO status was given from XX/XX/XXXX-XX/XX/XXXX. At any rate Shellpoint subservicer by law should have our complete file in which all these questions can be answered. Trying to take someone's home after nearly 20 years is a serious matter and nothing to be played with.
Consumer complaint received 2018-08-10
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. (TX)

XXXX XXXX XXXX sent me an email stating that they are no longer serving my account when I called to settle. XXXX XXXX is the person that emailed me. His email is XXXX. Please see the attached letter as confirmation that XXXX XXXX XXXX no longer has this account.
Consumer complaint received 2023-03-21
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: Resurgent Capital Services L.P. (AZ)

LVNV Funding LLC has continued to defame my character publicly by illegally reporting my information to the major credit bureaus. Pursuant to 15 USC 1681b ( a ) ( 2 ) a consumer most give written consent in order for anyone to publicly report information about them on or to any credit reporting platform. I XXXX XXXX did not give LVNV Funding LLC permissible purpose to report any information about me. I also have not been presented with any court ordered documents by LVNV Funding LLC giving them permission to do so pursuant to 15 USC 1681b ( a ) ( 1 ). I have made several attempts to inform LVNV Funding LLC that the information they are publicly reporting is illegal and infringes on my constitutional rights. Further more credit reporting is voluntary and not mandatory as expressed in the 2012 CFPB white paper, specifically page 15 section 3.1.1.
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-07-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

-On XX/XX/22 {$900.00} was taken out of my bank account through a XXXX transaction XXXX {$920.00} was taken out of my account through another XXXX transaction XXXX {$1800.00} was taken out through another XXXX transaction I had initially called my bank on XX/XX/22 and they stated they are not responsive for XXXX. So I called XXXX and they stated to contact my bank which has its own XXXX department. I called chase bank again and after speaking to a representative the 3rd time crying, the representiative took the time to listen. I filed a fraud claim via Chase bank on XX/XX/22 and they finalized the claim on XX/XX/22. They basically stated that the payments above were authorized by me and they will not help me with the funds lost. They stated I must find the individuals to whom the money was sent and to obtain my money from them myself. They said that they have closed the claim as it appeared my phone IP address matches the device used to do the XXXX payments, and therefore it is not fraud based on their research. I am Just disappointed and confused because under regulation E banks are obligated to protect their consumers from fraud or scam. And Chase refused.
Consumer complaint received 2022-03-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IL)

I purchased tickets through a seller on XXXX. His name is XXXX XXXX ( phone number XXXX ). He had me XXXX pay his wife XXXX XXXX ( phone number XXXX ) {$250.00} on XX/XX/2022. He claims he never got the funds. I felt like it might be a scam so I immediately contacted Chase and they could not stop the payment. They could only confirm that XXXX did get the funds. Chase said there is no way for me to get the money back. XXXX said he would send the money back, but now all communication with him has ended. I have filed reports with XXXX, fbi, and internet crime complaint center.
Consumer complaint received 2018-08-10
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: Nelnet, Inc. (CA)

On XX/XX/18, spoke with XXXX about a complaint with the Department of Education. HIs phone number XXXX, Ext XXXX. He called me and left a message. I called him back and we discussed customer service issues that he says he was going to report. I was concerned about my credit bureau reports and he assured me that they were reported to all credit bureaus XX/XX/2018. So I called XXXX  twice on this XX/XX/2018 and they say they have received no information from Nelnet on my  student loan payment. I called XXXX  but was given the wrong information. I left XXXX a message on XX/XX/18 about XXXX. He called me back on XX/XX/2018 and is adamant that everything has been reported to the Credit Bureaus on XX/XX/2018. I asked him his tile and he told me he was a Senior Resolution Specialist. I asked him his last name which he informs me he doesn't have to provide but gives me the initial XXXX for the last name. On his voice mail it sounds like XXXX, though I could be wrong he had told me previously he was from Nebraska which I'm guessing from my credit report the city is XXXX. I tell him I'm going to have to make some complaints and that we were done. I called XXXX and XXXX  again on XX/XX/2018. I am told the last payment was XX/XX/2018. I call XXXX  and they show the payments from XXXX for XX/XX/2018. I call the Department of Education to make another complaint because he won't believe XXXX and XXXX have received anything from Nelnet. The Department informs me that he says information reported to credit bureaus was XX/XX/2018, which is the complete opposite of what he told me on XX/XX/2018, which was XX/XX/18 which they report the last day of every month. I told the Department of Education that Nelnet did not report to XXXX and XXXX and they say maybe it can be reported again by Nelnet. This is Nelnet 's  choices, call XXXX  and XXXX  to verify they have not received the information of payments from Nelnet as of XX/XX/2018. Under the Fair Credit Reporting Act XXXX and XXXX are regulated by the Federal Trade Commission.As soon as the credit bureaus receive information from Nelnet they put it in my credit report. I will not wait the 60 days for you reply to the CFPB and I will be taking you to court if my XXXX and XXXX are not updated immediately. XXXX XXXX, Senior Resolution Specialist. Everything has been opened up in my area with no further fire. Your looking at a screen that tells you it's been reported by one of your employees. Well guess what it hasn't been. I will be vigilant in my effort to make sure Nelnet properly reports to the credit bureaus. I know how the CFPB works and I will not be intimated by Nelnet.
Consumer complaint received 2022-03-09
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 ( XXXX XXXX XXXX XXXX  case # XXXX, XXXX XXXXl case # XXXX ..., XXXX XXXX XXXX XXXX case # XXXX ...., XXXX XXXX XXXX XXXX XXXX case # XXXX ...., XXXX XXXX case # XXXX ...., XXXX XXXX case # XXXX ...., and XXXX XXXX case # 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 Thank you for helping rectify this situation. I feel at this point my rights have been violated. Please delete off all my credit reports ( XXXX, Equifax, XXXX ) immediately.
Consumer complaint received 2018-08-10
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MI)

My home was foreclose on XX/XX/XXXX, I have attempted many times over regarding modification process, from the time XX/XX/XXXX until the time of foreclosure, I have reach out to the office of the president at Wells Fargo, and yet they refuse to grant modification program, I have file complaint with XXXX onto no unveil, Now my family is living in the streets because there is no remedy, I was denied Modification because wells Fargo On XXXX XXXX, a routine regulatory report submitted by Wells Fargo contained a startling admission : A review of the bank 's internal systems had revealed a calculation error affecting hundreds of struggling homeowners who had applied for mortgage modifications between XX/XX/XXXX and XX/XX/XXXX. 
Wells Fargo 's underwriting tool had miscalculated whether homeowners were eligible for the Home Affordable Modification Program or other government programs designed to help people remain in their homes despite difficulty making payments. Because of the glitch, around 625 Wells Fargo customers either were improperly denied mortgage modifications or were not informed they could qualify to have their loan terms modified.Hundreds of customers faced foreclosure after modification denials The Home Affordable Modification Program was intended to help struggling families modify their mortgages in cases of documented financial hardship. Participating homeowners had their monthly mortgage payments reduced by a median of more than {$530.00} through interest rate adjustments, loan forgiveness, forbearance, and extended repayment terms. An internal review of the Company 's use of a mortgage loan modification underwriting tool identified a calculation error that affected certain accounts that were in the foreclosure process between XX/XX/XXXX, and XX/XX/XXXX, when the error was corrected. This error in the modification tool caused an automated miscalculation of attorneys fees that were included for purposes of determining whether a customer qualified for a mortgage loan modification pursuant to the requirements of government-sponsored enterprises ... 
As a result of this error, approximately 625 customers were incorrectly denied a loan modification or were not offered a modification in cases where they would have otherwise qualified. In approximately 400 of these instances, after the loan modification was denied or the customer was deemed ineligible to be offered a loan modification, a foreclosure was completed. 

It appears that Mrs. XXXX XXXX and Wells Fargo enjoy foreclosing on American families so they can reap benefits of government monies and Consumer financial protection bureau watch it happen.
Consumer complaint received 2023-03-16
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Torriere Holdings INC (AR)

Spire Recovery Solution contacted my brother and family members yesterday and the day before about my debt. They have been harrassing them for 3-4 times a day. They do not owe the debt it is I so why are my family members suffering the consequences.
Consumer complaint received 2022-02-06
Product: Vehicle loan or lease — Loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: WELLS FARGO & COMPANY (WA)

Wells Fargo cpi lied about the questions they sent. One of? What financial affect after car repossessed. I was sold a lemon car. I was a victim of fraudulent bank sales by Wells Fargo. How could they approve me if my husband truck was just repossessed my name was on the loan. I stated extremely hardships that me, husband and XXXX & XXXX yrs daughters lost our home & jobs. We were sleeping in my sisters borrowed car during heatwave risking 99.9 % of our lives, sleeping in my sisters bedroom in the floor where lots of roaches were. On XX/XX/20 I called executive auto office Wells Fargo to check about status on my check and the lady started yelling at me very rude telling me to stop calling. She mentioned to me that there was another check issued to me. I never received. I also got this letter from executive auto office Wells Fargo. It was a weird one I responded and left several messages and never returned them. Wells Fargo Administrator lied and lied to me. I dont deserve this Wells Fargo owes me a lot more. Please help me get justice from them.
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I am writing in regards to having these items deleted from my report. I am a victim of identity theft and I did not make these charges mentioned on the attached list. I have reported the theft of my identity to the Federal Trade Commission.
Consumer complaint received 2022-03-09
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. (NY)

1XXXX  XXXX XXXX XXXX points on my Equifax credit report unfairly and inaccurately. All Accounts removed are being deducted from my general score this is wrong. Accounts balances reported as decrease is deducting reports. This is wrong. Accounts with no status being reported is deducting points. 
2.XXXX XXXX reporting removed accounts as still open by not removing the account. 
3XXXX XXXX XXXXs not reporting all the accounts accurately. Accounts are being reported close as open. Closed accounts must be deleted. Closed accounts are paid in full. Please remove the accounts that are placed in different areas on Equifax.
Consumer complaint received 2018-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Paypal Holdings, Inc (CA)

... I probably should have called instead, but have always found the written word to carry more weight. 
I'm simply letting you know that I will not be using your Credit Card account for my billings on PayPal. I consider your APR to be exhorbitant. I would be using it as a means of keeping easier track of a certain class of purchases that I might make each month, and which would normally be paid for at the moment or when due at " month 's end ''. It hasn't been that long since the appropriate APR for such an account would be less than 6 %. I see no reason, other than corporate greed, that would call for such an inappropriate rate as you are asking. 
Good luck finding anyone XXXX enough to get tangled into these kinds of deals ; there should be a way to prosecute you for over charging honest citizens.
Consumer complaint received 2024-02-26
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. (WA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX XXXXXXXX XXXX XXXX