davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (PA)

Upon my divorce I refinanced my mortgage through Wells Fargo. The payments continued to rise. I recently spoke with a HUD representative who upon review of my documents says it appeared by loan has not been modified under the gov. program. Its was supposed to be an FHA loan. In looking I see that there are many of unsatisfied and even a lawsuit against Wells Fargo for how they processed loans to home owners and not following regulations.
Consumer complaint received 2024-02-05
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. (LA)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2022-08-28
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. (MS)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : XXXX DATE OF BIRTH : XX/XX/XXXX XXXX XXXX EQUIFAX XXXX XXXX Equifax XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX TRACKING CERTIFIED # : XXXX XXXX XXXX XXXX XXXX TRACKING CERTIFIED # XXXX XXXX XXXX XXXX XXXX TRACKING CERTIFIED # XXXX XXXX XXXX XXXX XXXX Dear Credit Bureau : XXXX, EQUIFAX, XXXX Im responding to the verified no-change letter you sent me for the late account. Based on your recommendation, I sent a letter to the Creditor asking for the proof that I was in fact late, on { the month they reported but they never responded.

Its clear that the late account, Date open, no. of months ( terms ), High Credit, Last reported date, Date last Activity, Date of Last payment is inaccurate because the Creditor did not send any valid proof of me being late, date of Last activity, Last reported date, High credit, Date open, Last reported date, no. of months ( terms ), date of last payment. If they cant prove that the account was late, they cant report to the Bureaus, according to the FCRA. Please Delete Account Immediately these inaccurate listing from my credit report or your company will be in Violation of the FCRA. A HARD COPY HAS BEEN FILE WITH CFPB Creditor : XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX Account XXXX Account XXXX Account XXXX Account XXXX Account XXXX Account XXXX Account XXXX TRUNCATION IS ERROR TO I NEED THE WHOLE TRADELINE ACCOUNT NUMBER. 
Reason : 15 USC 1666 A/B BILLING ERROR/15 U.S. CODE 1681e- Compliance Procedures ( b ) Accuracy of Report WHENEVER A CONSUNER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUN POSSIBLITY ACCURACY OF THE INFORMATION CONCERNING THE INDIVDUALABOUT WHOM THE REPORT RELATES.

PLEASE SEE BELOW ATTACHMENT
Consumer complaint received 2021-04-13
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. (FL)

I have asked for who my alleged late payment was verified. I have not received any documentation with this information. I have paid as agreed and on time every time. I'm asking that documentation been sent to me per my letter providing in detail who verified it and how because I have never been late.
Consumer complaint received 2020-09-14
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc. (TX)

After contacting Santander Consumer USA customer service portal via telephone on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, to ascertain an agreement via the CSR concerning the {$450.00} ( at that time ) payment due on the vehicle and requesting a copy of the full contract initiated in 2016. I received a notice dated a week past, with the threat of repossession of my vehicle for a past due date of thirty days. This company has settled a {$550.00} mil predatory loan lawsuit with 34 other states, and now is applying threats and harassment to individuals not included in the settlement ( Texans ). I am requesting loan forgiveness and the car title to the vehicle purchased in XX/XX/XXXXwith a remaining balance ( principle ) of {$12.00}, 560.84, ( interest ) to date paid {$18000.00}.
Consumer complaint received 2021-04-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (LA)

Venmo told me I must give them my social security number in order to continue using their service. I refused and closed my account. I asked to be removed for all of their lists - phone, email, snail mail, etc. I keep getting emails. I have asked them now at least 6 times to stop sending me email. They have confirmed around 5 times they have deleted my email address and that I will not get any more email from them. They keep sending me email. This is highly problematic and could be a systematic problem for a supposedly high security financial institution with no or poor internal controls. Regardless, they refuse to stop contacting me after multiple requests - and multiple assurances to the contrary.
Consumer complaint received 2019-01-07
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CURO Intermediate Holdings (KS)

I sent a professional letter on XX/XX/XXXX.The only response I've received from them was a sample letter, including the loan application and bill for payment. I've also called three times and left messages with no response. The only time I did talk to someone, they were extremely rude and still would not answer any of my questions. However, they are still negatively report on my report. Below is a copy of my letter : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX ORIGINAL CREDITOR : SPEEDY CASH To Whom It My Concern : I am writing today concerning derogatory reports on my credit report. According to my credit report ; one account in is the amount of {$2500.00}, and was opened on XX/XX/XXXX. The other is in the amount of {$980.00} and was opened on XX/XX/XXXX. The latter was five years ago! I am concerned with these reports for several reasons. First, there should be only one account for Speedy Cash, opened in XX/XX/XXXX. Why are there two accounts, four years apart? Second, the one account should have been written off as part of my bankruptcy back in XX/XX/XXXX. Therefore, there should be NO account from Speedy Cash still on my credit report. Furthermore, when the other account was opened in XX/XX/XXXX, why was I never contacted? My phone number has not changed and my address has been forwarded. I could have cleared up this mater a year ago! These derogatory reports are preventing me from obtaining a first home owners loan, even though my credit score and other accounts are in good standing. I would like both these Speedy Cash accounts to be removed from my report immediately! If you refuse to do so, I will be happy to inform present and future clients just how Speedy Cash and XXXX XXXX XXXX XXXX regard their clients. Apparently, customer service is not important to you. If I need to file a report with the XXXX XXXX XXXX also, I will do so. Thank you for your time. I am looking forward to your response before XX/XX/XXXX.

Sincerely, XXXX XXXX CC : Speedy Cash Corporate Office
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2022-08-28
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. (IL)

In accordance with the Fair Credit Reporting act XXXX Account # 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 2019-01-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

i was a payment behind, then running a payment behind 3 to 4 months, then i contacted my lender for assistance with getting caught up with assistance and a loan modification.my lender assigned my a loan rep which determined i need to short sale my home.i advised i wanted to keep my home and if there were any other options available.i filled out a loan modification with a hud counselor submitted it.no response back for 2 more months and received another letter stating to short again, the hud rep try many times to respond back to lender and no response except that he could not communicate because there was no authorization form on file to discus with the hud counselor, the authorization form was on file since XX/XX/2018.i need a loan modification .i have been employed with the same employer for 30 years.i feel behind payments due to a XXXX XXXX.i am recovering and just want assistance with saving my home.
Consumer complaint received 2019-01-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

To whom it may concern, Portfolio Recovery Associates reported 2 accounts to the credit bureaus and has been contacting me about two debts they say I owe them. I have never done business with them and I do not owe them any money : no credit has been extended nor any services ever rendered to me from this company. One debt is showing on my credit report as {$880.00} and the other is {$730.00}. 
I sent a letter to them to verify that I owe them money on this account according to the FDCPA and they could not verify through any signed contract or document between XXXX  and I proving that Im responsible for the debt on this account. I informed them that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from Portfolio Recovery or any company that they represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entries. I am requesting just this or I will be forced to take legal action against Portfolio Recovery Associates at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair  Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) I requested proof from them in writing which they received through certified mail on XX/XX/2018. I have attached my receipt from the certified document as well as a copy of the document itself and the response I received from Portfolio Recovery and Associates regarding these accounts on XX/XX/18 which included account statements bearing no signature and is no deemed acceptable to the FCRA & FDCPA as proof. 

Thank you for your time and attention on this important matter,
Consumer complaint received 2019-09-17
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: WELLS FARGO & COMPANY (IL)

After I graduated from pharmacy school in XXXX, I found a company to consolidate my student loans XXXX XXXX XXXX with the credit cards I had to use to pay for school. XXXX was bought out by Wells Fargo XXXX approximately XXXX ), and my variable interest rate went from XXXX to 8 % ( with XXXX XXXX, and steadily climbed until it locked at 18.5 % XXXX Wells Fargo XXXX. It stayed at that rate for over 2 years until I found a company XXXX XXXX XXXX XXXX ) who took over my loan XXXX in XXXX ), and provided me with a variable interest rate of 4.5 %. My complaint is that when I called Wells Fargo asking about the rate lock, I was dismissed. Basically, I was told that variable rates rise and fall, and that because it was a privatized I was pretty much stuck with it and them. I did not appreciate the attitude nor the lack of options at the time.
Consumer complaint received 2019-01-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

OCWEN now charges to collect mortgage payments A few months ago, OCWEN changed how they collect mortgage payments. Now, on their web site, you must sign up for their auto bill pay system, or you are forced to use a third party bill pay system - XXXX XXXX ( which charges {$7.00} ) in order to complete the process of paying your mortgage. 

I have never experienced a mortgage lien holder or a bank ever charge a customer for payment. Aside from inconvenience, I'd like to know if this is legal. This is not the contractual repayment plan we made, and me simply raising this with them - I have no voice and no power to affect change. I just get transferred around and put on hold for long periods of time with no one able to help me and no one empowered to be my voice within the company. 

Lastly, I would like someone from CFPB to weigh in on if this practice is considered legal. 

Attached sample XXXX and mortgage payment confirmation. 

Help!
Consumer complaint received 2018-09-07
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. (FL)

The SSI deposited money by error in my Chase bank account. Chase took the money and adding it to my pending balance. ( My account was closed previously for fraud and they didnt solve the case so they added it to my account balance )
Consumer complaint received 2019-01-17
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIT ACCEPTANCE CORPORATION (PA)

The company called credit Acceptance I have requested in writing to receive documentation to verify this debt and also a deficiency document that shows what I supposedly owe I send this letter certified mail which they received on XX/XX/18 they havent responded and has been more than thirty days the company has sent back a generic faq sheet about how they share information I also sent in all my identifying information have not received a response yet currently reporting on my credit report as owing XXXX dollars I would like to see the documentation that is backing this claim
Consumer complaint received 2018-09-07
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)

XXXX XXXX checked their database of XXXX XXXX publicly breached accounts and my email address ( XXXX ) showed up in 1 data breach. That means my online accounts and personal info may be compromised. XXXX XXXX XXXX ( also known as XXXX XXXX XXXX ), originally incorporated in the state of Wyoming, is no longer in business. In XX/XX/2017 a massive trove of data from XXXX XXXX XXXX was found exposed online. The data was found to contain almost 1.4 billion records including email and IP addresses, names and physical addresses all of which was used as part of an enormous spam operation. Once de-duplicated there were 393 million unique email addresses within the exposed data., also I am part of the data breach that occurred with XXXX XXXX , XXXX and the IRS XXXX I am following the advice from the FEDERAL TRADE COMMISSION on filing a complaint. I have contacted the police department, all 3 credit bureaus to make them aware of the Identity Theft and disputed. The Fraudulent addresses were all removed from my report and just recently re-appeared. I have spent a tremendous amount of time and effort in resolving the brutal effects of Identity theft and this is not right. I don't deserve this life of XXXX. I am disputing all of the following information due to be incomplete and inaccurate.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. lam attaching proof that Equifax has admitted that'l was in fact a victim of this data breach and Equitax has done nothing.Please help me delete these illegal accounts from my credit reports.
Consumer complaint received 2023-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2019-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (VA)

Recently, I, XXXX XXXX XXXX was contacted by XXXX  and/or it's  attorney ( s ) XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX in regards to engaging in a settlement for improper reporting that may have been done by XXXX. However, I, XXXX XXXX XXXX did not agree with the settlement and did not agree with what was being reported and/or was missing from my credit report. Therefore, the request is an effort to reconstruct the credit report of XXXX XXXX XXXX. Attached are receipts from two different XXXX XXXX XXXX  Credit Card accounts. One XXXX   XXXX XXXX Credit Card was discharged in a Chapter XXXX Bankruptcy. It was however in " good '' standing. The most recent XXXX  XXXX XXXX   Credit Card was a reestablished credit card after filing Chapter XXXX and was agreed to be paid off outside of the Chapter XXXX Bankruptcy filed in XX/XX/2012. The account was paid as agreed until I was notified by my attorney to not make another payment because there had been a claim filed with the bankruptcy court. The account for that particular card is on the electronic check in the Re : section with the amount being paid as {$510.00}. The bankruptcy trustee report indicates that {$150.00} was paid to XXXX XXXX that alleged collection on behalf of XXXX. This amount was in addition to the payment made by XXXX XXXX XXXX. 

The effort to reconstruct my credit report is to show that there was a positive history of paying creditor ( s ) despite having two bankruptcies that I was likely induced into because on each occasion my credit score was 650-680 or above going into bankruptcy and now it is likely 400 or less.