davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions 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 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 XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-15
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I filed a complaint against Wells Fargo through the XXXX  XXXX  XXXX  on XX/XX/XXXX for refusing to talk to my family & I to permanently modify our monthly mortgage payment to {$1500.00} total. Wells Fargo also denies that they were in the right for their decisions when we have documented them being contradicting and misleading from their poor customer service. 

When we filed our case through the XXXX  XXXX  XXXX, Wells Fargo response on XX/XX/XXXX that states " We understand your concern that you were advised to fill out paperwork to request a loan modification even though you were not eligible due to the previous loan modification. Please note, we cant discourage anyone from applying for payment assistance. Which we view this as a tactic from Wells Fargo to prolong an unnecessary procedure to further extort my family out of our home. Also, it states in the same paragraph that, We received your appeal request ; however, on XX/XX/XXXX, the appeal was denied because no new income documentation reflecting a change in income was received. Please note, if you wish to use non-borrower income for a payment assistance review, the parties receiving the income must be listed on the title. As such, we were unable to utilize your XXXX  and XXXX  income for the review. Which we view this statement being contradicting & misinforming because they stated that they did not see no new documentation while follows up by saying we were unable to utilize your XXXX  and XXXX  income for the review and the parties receiving the income must be listed on the title but on the non-borrower income form it does not state that the individual signing the form needs to be on the title on the home to be considered under Wells Fargo review. Again, this is another example of poor communication and inadequate customer service. 

We sent our rebuttal on XX/XX/XXXX and a representative from Wells Fargo called my wife XX/XX/XXXX to say that We will receive a letter tomorrow about how they came to a conclusion that they have answered our request about the Co-borrower form my wife then tries to correct them to explain how we wanted answers about the non-borrower form but when the representative was seeking a manager, the called dropped and my wife could not reach the representative nor did they call her back. We received Wells Fargo letter on XX/XX/XXXX that stated We received a similar request from you and sent our response on XX/XX/XXXX. For your reference, weve enclosed a copy of the letter dated, XX/XX/XXXX, which addresses most of the issues mentioned in the inquiry. and ending with Weve determined the account was handled properly and no corrections are needed as no error has occurred.
Consumer complaint received 2022-04-04
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. (NC)

I have a hard inquiry on my credit from XXXX involving auto financing this account is paid in full and closed. 

In accordance with the fair credit reporting act 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 a account without my written instructions.
Consumer complaint received 2022-04-04
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I sent a letter to Experian disputing 8 accounts as erroneous on XX/XX/2022. It is now XX/XX/2022 and I have not received a response from this credit reporting agencies. I also sent a follow up letter today for Experian to comply with 30 day investigation law. I would like these erroneous accounts deleted.
Consumer complaint received 2022-04-04
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. (NJ)

Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!
Consumer complaint received 2022-04-04
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. (NJ)

Pursuants to 15 USC 1681 ( b ) ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instruction of the consumer. i never gave written consent to report anything on my consumer report. No consent is identity theft! I sent in detailed letters on XX/XX/2022 explaining that there is unauthorized Inquiries on my consumer report and not only are my rights being violated they are not in compliance with the FCRA. It has been 60 days since the letters were sent out and these unauthorized items are still on my consumer report. Seeing these items furnished on my report without my consent is causing me to lose confidence in the banking system and if they are not removed I will not allow Equifax or XXXX to furnish a report for me and I would not like to do business with them anymore.
Consumer complaint received 2016-09-14
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (PA)

I opened an account by going into a branch in XXXX, VA. I just wanted checking the man convinced me to open savings also. In talking about the account he said that there would be fees but they would be waived if I meet some qualifications like using my debit card at least 10 times a month, keeping a minimum balance. A few months later I noticed I was charged an account maintenance fee. I assumed I did n't use my card enough times and made sure to use it more and forgot about it. Month later I saw I was still getting charged the service fee and called Wells Fargo to find out why. they said I did n't Have the account that I thought I did. I asked what is the difference between my account and the one I was told I was opening and she said a one has a fee regardless and one the fee can be waived ( which does n't even seem accurate if you look at the statements ). She kept saying that it was stated in my statements but I have online statement only and never read them since all account history other than the fee is easily viewed online. I looked through all of the papers I was given when I opened the account and nothing was specific to the type of account or the rules regarding the account.
Consumer complaint received 2016-12-13
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: HONOR FINANCE, LLC (NV)

I have set up payment arrangements for my account, and found out complaints on this company before the head office said I would n't be getting anymore call about my account until the end of my payment arrangements, but no one is noticed the account each rep that keep calling is getting ruder. Last rep has threatened to take my car at any time he wanted to because he is the only XXXX in charge of my account he do n't care who I talk before hand, and he when on disrespecting me to point i had to disconnect the phone call.
Consumer complaint received 2018-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I was contacted by XXXX that a hard inquiry was on my credit report from Kohl 's. I found that odd because I've had a Kohl 's card for many years. I looked it up & saw that it said " a lender requested a copy of your credit report for a home retail loan. Every time you apply for credit, a " hard inquiry '' is placed on your credit report and it may stay on your report for 25 months. '' This is listed as coming from KOHLS/XXXX. A few weeks back I did apply for a credit increase online but it was immediately declined so I know credit was pulled then. 
I called Kohl 's today & asked about my credit being pulled today. They admitted it was but never told me why. They said they couldn't remove the inquiry & I'd have to talk to the credit bureau about that. I'm trying to rebuild my credit, I even told them that & that they were the ones that had to take care of the inquiry, not the credit bureau. They said they couldn't do anything about it. I had to talk to the credit bureau. I ended that call with no answers about why that inquiry was done and why they refused to remove it.
Consumer complaint received 2016-10-19
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (CO)

I have noticed Wells Fargo has been reordering the order of my transactions to maximize overdraft fees on my checking account. This happens on a daily basis. Transactions over five days, will load at once a week later so my balance is never accurate. Furthermore, my deposits are greatly delayed so that I will also continue getting overdraft fees for days until the " pending deposit '' is applied. The general point, is Wells Fargo is manipulating the order of transactions, when transactions are applied to the account, and when deposits are applied to the account to ensure the maximum amount of overdraft fees.
Consumer complaint received 2020-10-05
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/2020 I called and spoke with a lady at XXXX Capital One inquiring about a payment plan to get caught and removing of negative reporting for my credit report. The lady I spoke to said they didnt do payment plans they only did something call snowball effect. I said okay sign me up. She then said she would notate my account the different payments that were generated from the computer i would have to pay each much. I have paid the computer generated amounts every month but for some reason XXXX  capital one is still reporting negatively on my credit reports and that is a problem for me since I am doing everything they or rather she suggested I do.
Consumer complaint received 2020-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XXXX  canceled my flight and the the country I was visiting had a travel band. The airline never returned my money.I sent supporting documents several times. Capital one claim I never did.
Consumer complaint received 2023-03-22
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. (PA)

In accordance with the Fair Credit Reporting act XXXX Accounts # 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
Consumer complaint received 2016-12-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (WI)

Our home mortgage was sold in XXXX of XXXX to Freedom Mortgage. Throughout the life of our loan, we paid into an escrow account that paid our taxes twice per year. Once in XXXX and again in XXXX. When the loan was sold, Freedom claimed that our account was set up to only make a single tax payment from our Escrow account, however we have records that indicate in XXXX it was paid in XXXX and again in XXXX. Freedom conducted an escrow analysis in XXXX of XXXX that indicated we had a " projected shortage '' of {$3900.00} dollars. Which was absolutely ludicrous as our taxes are only {$5700.00} per year and we pay roughly $ XXXX/mo towards our escrow account. Every time we tried to speak with Freedom, they said they " would start an investigation '' and would " follow up '' with us or we were disconnected or was told contradicting information. XXXX representative told us that the {$3900.00} was a shortage from XXXX that they paid for us so that was why we were having to pay it back another said it was a " projected shortage. '' Multiple times we requested that they change back our payment schedule to twice yearly, however they never did and instead broke up the {$3900.00} shortage into 12 month payments for us to " pay back '' which resulted in an approximate increase of $ XXXX/mo to our mortgage. We have recently refinanced with another lender just to be done with Freedom but in the meantime have paid the increased mortgage amounts to avoid late fees/credit reporting as we have outstanding credit and have never missed or been late with a mortgage payment. I 've never felt so cheated about something in my life and Freedom has continued to show poor business practices through our refi sending the wrong payoff amounts multiple times over, which I can only believe was intentional to stall the loan payoff through the end of the year. At this point, the payoff was wired to Freedom today from our new lender, we had to increase our loan amount by roughly {$2500.00} because they did n't send the accurate loan payoff number, they now have over {$5000.00} in our escrow account and we have very little faith that they will return that money within the 30 day requirement.
Consumer complaint received 2022-04-04
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: Experian Information Solutions Inc. (FL)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2021-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (CO)

This consumer complaint against Navient actually involves two issues where they have failed to ethically and professionally conduct business. First, in XXXX, when my ex-wife and I divorced, we requested that I be released from a student loan that I was co-signed on with her. It was not that large of a loan ( {$5400.00} ) and she wouldve qualified as she makes a good income as a nurse ( I co-signed on the loan to help with her XXXX school ). However, they would not release me from the loan. Navient has two pending lawsuits against them for this very issue and I may pursue legal action given what happened next. Fast forward to XXXX and my ex did a debt settlement on all her debt with a debt a relief company. The loan I was co-signed on was part of this. Co-signors have rights, however, I was never contacted about this nor did I agree to anything. I did learn about it after the fact and after doing some research felt my credit could absorp the ding from a settlement. The debt was settled and paid in full as of XXXX, XXXX. Nothing negative showed up on my XXXX except that it was closed, in fact, I got a bump from it. Recently, I went to re-finance my home and my FICO scores were much lower than I thought, only to discover that Navient has incorrectly reported that loan as a Charge Off against my credit ( and my ex ). It should be reported as settled, which is less of a credit hit. When I contacted Navient about this, they sent me to collections and tired to collect from me! Again, another violation of the law as you can not collect on a paid debt. No record of the settlement, according to them, although I have a letter from the debt settlement company showing otherwise. I further requested to dispute the credit reporting and apparently now I have to write them at a specific PO Box and prove to them that the debt was settled?! So I have to do all the work for their error? They are in violation of the Fair Credit Reporting Act. As such, because of their inaccurate reporting against my credit, I only qualify for a higher refinance rate, which over the term of the loan will cost me XXXX. I plan to take legal action as their reporting is harming me financially. Trying to get a response from their idiotic bureaucracy is impossible.
Consumer complaint received 2022-04-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2024-05-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAVALRY INVESTMENTS, LLC (AR)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Formal Complaint Against Cavalry Portfolio Services for Unlawful Debt Collection Practices Dear Sir/Madam, I am writing to file a formal complaint against Cavalry Portfolio Services , located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, regarding their management and reporting of an alleged debt originally credited by Citibank. I believe their practices have violated multiple federal consumer protection laws, negatively impacting my credit and personal well-being. 

Violations Committed by Cavalry Portfolio Services : Failure to Provide Debt Validation : In direct violation of 12 CFR 1006.34 ( b ) ( 5 ), Cavalry Portfolio Services has reported a debt on my consumer credit report without providing adequate validation. Despite my requests, they have failed to provide necessary documentation substantiating the debt they claim I owe. 
Inadequate Opportunity to Dispute : Contrary to the requirements of 12 CFR 1006.34 ( c ) ( 4 ), I was not provided with a proper opportunity to dispute the accuracy of the debt information before it was reported to credit reporting agencies.

Deceptive Collection Practices : Cavalry Portfolio Services has engaged in misleading, deceptive, and misrepresentative collection practices, clearly infringing upon my consumer rights. 
Unauthorized Reporting : This agency has reported the debt to consumer reporting agencies without all required disclosures, thereby breaching 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ). 
Requested Remedial Actions : Immediate Debt Validation : I request a complete validation of the debt, including the original creditors details ( Citibank ), the original amount of the debt, a breakdown of all fees or charges added, and any pertinent documentation. 
Purchase Agreement : I request a copy of the agreement between Cavalry Portfolio Services and Citibank that authorizes them to collect on this alleged debt. 
Licensing and Bonding Evidence : Please provide evidence that Cavalry Portfolio Services is licensed and bonded to collect debts in my state.

Cease of Communication : I revoke any prior consent for Cavalry Portfolio Services to contact me via phone, email, or text messages. Future communications should be conducted through written correspondence and sent to the address noted above. 
Attached are copies of all relevant documents and previous correspondences related to this matter for your review. I urge a thorough investigation into these claims and anticipate a detailed response addressing each point of contention raised in this letter. 

Thank you for your attention to this pressing issue. I look forward to your prompt and effective action to resolve these violations and enforce compliance with consumer protection laws. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

1. NO inquries were authorized by my siguture or verbal consent ; 2. Repositories have neglected to show proof of signature on either the inquiries/loan applications, which has been requested ; 3. Repositories failed to demand proof of my signaure on inquiries/applications within the allocsted 45 days ; 4. Repositiories accepted written explanation of inquiries/application without any backup to show proof even though I challened on several occassions ;