davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-16
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NJ)

TO : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX CC : Wells Fargo Home Equity Solution XXXX # XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX I am XXXX XXXX XXXX natural person whom is seeking assistance with filing a complaint against Wells Fargo Bank of XXXX . This is about my primary Residence located at XXXX XXXX XXXX, XXXX XXXX XXXX. 

This notice is brought before you because a " debt collector '', has engaged in consumer debt collection activities within Wells Fargo Bank of XXXX, against me. 

Wells Fargo Bank is attempting to collect the debt in relation to a mortgage Note, which they are not the " original lender '' or " creditor '' to whom the debt was owed. XX/XX/2013, Wells Fargo Denied my request for permanent Modification of my qualifying loan under the Home Affordability Modification Program which was provided to me by Wachovia Bank of XXXX, my original lender. 

I have repeatedly provided Wells Fargo with all my financial information, including bank statements and cash flow analysis showing that the building is self sustaining in it 's ability to repay the Modified Loan Requested. But as of this time, they still refuse to help me save my primary residence. This is a self sustaining rental property, if I receive the Mortgage Modification. 

It is my belief that Wells Fargo is engaged in " Redlining '' for failure to assist me with my property, in XXXX, XXXX, that I believe qualifies for at least one of the many Federal Programs designed to help borrowers maintain the integrity of their neighborhoods as laid out by the Housing and Urban Development XXXX. Therefore I seek your assistance with filing a complaint under Section 5 ( a ) of the FTC Act, 15 U.S.C. 45 ( a ), which prohibits " unfair or deceptive acts or practices in or affecting commerce ''. 

I look forward to hearing back from you in an expeditious manner. 


Sincerely XXXX XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2018-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

Dear Sir/Madam : I have attached an Equifax report where Equifax has 2 Hard Inquiries from XXXX XXXX XXXX  showing negatively on my credit history. I have been issued a Credit Card by XXXX XXXX XXXX by my Hard Inquiry [ Item no. 1 ] in XX/XX/XXXX, while other two records of XX/XX/XXXX & XX/XX/XXXX are  showing wrongfully and were Not done by me at all. 

XXXX XXXX XXXX has cleared those two information from their record upon making a phone call to them. Equifax resented to clear them off of my credit record despite my request and also calling several times. Equifax employees were been rude and didn't help to escalate this to proper authority to review this. This is an usual practice by Equifax. They have call centers offshored to other countries and always act arbitrarily without checking with proper protocol or decline even to help settle wrong information containing in credit history for remediation. 

1. XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks 2.XXXX  XXXX XXXX   XXXX Inquiry from XX/XX/XXXX All Banks 3.XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX At this point I observed Equifax is practicing extreme unfair and also retaining some records that are inaccurate and past the statutory of time record retention guidelines for credit reporting or for proper reflection of some one 's credit report. 

They are always holding wrong address, outdated and information that shouldn't have been in the credit record. Their dispute department do not cooperate to take requests as well. 

I have observed news in Social Media and News of their data breach and other wrongful practice on credit record retention policy from FCRA and other regulatory agencies. 

Please review and reply your course of action toward Equifax malpracticing of credit record publishing to inquiries. 

Thank you very much.
Consumer complaint received 2023-02-10
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. (CT)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have reach out to these institution plus the credit bureaus numerous times to provide me with prove of my authorization and signature for these accounts and Ive not received any response in which this is a violation of my right by law according to CRA section 1681b ( c ). This is stopping me from purchasing a home for my family.
Consumer complaint received 2022-02-19
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 Convergent Account # XXXX GXXXX XXXX XXXXs, XXXX XXXX XXXX XXXX. XXXX Account # XXXX, XXXX XXXX XXXX XXXXt # XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX 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 2021-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Avant Holding Company, Inc. (MD)

XXXX, XXXX, and XXXX of 2020 I was unable to pay my credit card bill due to being laid off because of the corona virus pandemic. I wrote a letter to the credit card company explained my situation and asked them to remove the late payments on my credit report. They did not respond to my letter and didn't remove the late payments from my credit report.
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: DISCOVER BANK (VT)

Hello, I recently took a big hit to my credit score for an unknown balance that I had with Discover after canceling my card with them. I'm hoping that I can have the damage reversed. 

What happened is I canceled my card in XX/XX/2023 after deciding it wasn't useful anymore. I paid off any remaining balance and cancelled over the phone. 

Just now, I saw that my credit score has gone down by XXXX points owing to delinquency on a Discover account. I logged in to find that they claim I owe {$8.00} based on some adjustments that happened following account closure. 

I immediately paid the {$8.00} and called them to ask that the delinquency is removed from their reporting as it had a big impact on my credit score. They said that I would have to contact your office to make the request. 

Again, I immediately reconciled the amount once I saw it reflected on my score. I had no notification from them about there being an outstanding balance, and had tried in good faith to pay the card off in full at time of closure ( it was only ~ {$4.00} and change to close it at that time ). 

Thank you.
Consumer complaint received 2018-11-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (FL)

This seems to be a collection account for an emergency room visit that occurred when my daughter XXXX her XXXX on XX/XX/2013. I had never received notification of this debt. I found out when I applied for a mortgage for a new home for my family. XXXX XXXX XXXX neglected to submit the claim to our insurance company so, of course, the claim was never paid. I contacted them to have them submit these charges to XXXX XXXX XXXX XXXX of Florida. They said they could not do that and to contact Commonwealth Financial. Commonwealth Financial is either unable or unwilling to submit these charges to the insurance company as they should have been over five years ago. This should NOT be showing up on my credit report. As a divorced mother of XXXX, this is impacting our lives greatly as I can not be approved for a mortgage with one income AND this hanging out there. Please help my family and I and remove this account from my credit report ASAP so we can move on, both with our lives and into our own house. 

Thank You
Consumer complaint received 2023-02-10
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. Please find the ATTACHED documents to assist in blocking the erroneous items which are being indicated in my report. 
Here is the list of items that do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX Balance Owed : {$120.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Owed : {$160.00} XXXXXXXX XXXX XXXX Balance Owed : {$21000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$400.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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
Consumer complaint received 2019-05-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (MD)

Logging into my account this evening, I once again noticed a retroactive forbearance on loan sequences 1 and 2. I called XXXX XXXX on XX/XX/19 at XXXX EDT and spoke with employee ID XXXX. Employee XXXX told me that I previously requested that be fixed in XXXX and XXXX complied but decided to re-add the retroactive forbearance. The representative was unsure why that occurred and noted that someone at XXXX requested it be removed once again. I am absolutely baffled with what is occurring with my account and want to be sure that all payments made on loan sequences 1 and 2 can count under PSLF. This issue was previously fixed in response to CFPB complaint XXXX-XXXX.
Consumer complaint received 2023-03-28
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: Experian Information Solutions Inc. (CA)

In Accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX # XXXX, US Dept of Ed/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 n account without my written instructions 15 U.S.C 1666B : A Creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose
Consumer complaint received 2018-05-14
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (CA)

Started with buying a car ... turned my lease into a dealership. we called GM financial to get pay off you that information to the dealership! the dealer paid in full {$30000.00} except for {$400.00}???? GM contacted me and I explained the situation that I did not own the car anymore and that the dealership took possession of it MONTHS AGO .... THEN we had a 3 way phone call with the dealership and after arguing a few times they sent in the balance of {$400.00} .... but it took a few months and during this time I was totally in compliance and talking to GM with the situation! GM KNEW. I AND GM HAS DOCUMATION that is was out of my control and they ( GM ) still disregarded and reported my credit bad!!! now GM financial wants me to get a letter from dealership saying that they ( DEALERSHIP ) was at fault and GM will TRY take care of it.. I told GM they knew the whole situation why did they report my credit BAD?????????? they stated it was still always on me. and STILL TRYING TO GET ME TO TALK TO THE DEALER????? What are they ( DEALERSHIP ) going to do with the CREDIT REPAIR????
Consumer complaint received 2022-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2022, I first sent a letter regarding inaccurate and unknown things on my credit report, and on XX/XX/XXXX I sent a follow-up letter regarding the same inaccurate reports, to this day over 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report, and seeing as how it has been over 60 days they should be removed. I demand these accounts be removed immediately or I will file for litigation due to the stress you have 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 2021-09-23
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: AMERICAN HONDA FINANCE CORP (CA)

I have requested an investigation on several accounts with XXXX, XXXX, an XXXX. The investigation took well over 30 days and this has caused me the consumer a deal of trouble that these accounts have been inaccurately reporting. I gave the credit reporting agencies 30 days to comply and they failed.
Consumer complaint received 2021-02-18
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (NJ)

I opened a Home Depot credit card to take advantage of the 0 % interest rate promotion on balances for 6 months. I received an interest charge in my first bill and was told that anything under {$300.00} is not part of the promotional rate.
Consumer complaint received 2024-03-01
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. (MS)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2023-02-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XX/XX/2019 XXXX acct # XXXX was charged off so I deem it against my consumer rights to be punished for something thats holding me back from achieving my financial freedom in todays society. I asked this old debt be deleted from my consumer credit repot
Consumer complaint received 2020-02-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I opened an Advance Checking account with HSBC in XX/XX/XXXX and closed it in XX/XX/XXXX. 

Since I earned more than {$10.00} interest from the account in XXXX, I was waiting for my 1099-INT. However, it has not been delivered to me, yet. 

I tried to log into online banking system to see if my 1099-INT would have been available there, but I was not able to log into online banking system. 

I was told later by an HSBC representative that I would not be allowed to log into HSBC online banking system since I did not have any active account with them. 

So, I asked two different HSBC representatives to mail my 1099-INT to me two different occasions around XX/XX/XXXX. 

Both of them insisted that HSBC 's practice would be to mail 1099-INT by XX/XX/XXXX of each year, which seemed odd to me because I believe banks are required to mail 1099-INT by XX/XX/XXXX of each year by law. 

They might have intentionally lied to me to avoid their responsibility or HSBC 's general practice may be in fact out of compliance. 

Anyway, they also insisted I should have waited few more days after XX/XX/XXXX. So, I did, but I haven't received my 1099-INT from HSBC, yet. 

I couldn't filed my tax return only because of the missing 1099-INT from HSBC.
Consumer complaint received 2018-05-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

my citibank debit bank card ( linked to my checking account at that bank ) was stolen while i was on vacation in XXXX, when i realized my card was missing i went online to check my account, there was {$4800.00} in unauthorized charges debited from my account, the charges were as follows ... at XXXX, 1 transaction the amount of 4,000.00. 2 atm withdrawals 1 for {$300.00} the other for {$280.00} and one more transaction for {$200.00} done at some place called cgn. i immediately called my bank to report the unauthorized charges. next i went to the police station and filed a police report for the stolen card and unauthorized charges. the charges all took place in XXXX XXXX california, but my card was stolen while i was in XXXX which is only 30 miles from the XXXX XXXX XXXX border. the bank because the transactions took place in the united states the XXXX police could only include the actual theft of the card in the report because the card was stolen while i was in XXXX. citibank denied my claim stating their reaso as being that the charges were consistent with my normal banking habits. not true as i had just recently opened the account where i deposited {$5000.00} cash, and paid a phone bill via online billpay. there were no other transactions done by me with this account. in citibanks denial letter they state that they dont use video from atm machines or other places to conduct their investigations. thats like a homicide detective saying they dont use DNA while investigating homicides!. so i appealed that decision. only to be denied again. their reason was the same as before. they also froze my account right after i appealed the first decision.
Consumer complaint received 2021-09-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America changed the forgiveness amount of a PPP loan from {$9000.00} to {$290.00} after we provided more than ample proof that we used the money correctly. We have made countless attempts to rectify the situation and were promised on XX/XX/21 that the full amount of {$9000.00} was forgiven. We are now receiving collection calls and no help from any of their staff. Our paperwork keeps disappearing from their system.
Consumer complaint received 2023-02-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (MS)

Mortgage includes escrow account. Rocket mortgage has refused to pay the taxes on the property that includes the home section of the loan. I have contacted the company several times. They say they have " researched '' the loan documents and this parcel is not included with the loan. They are incorrect. Rocket mortgage has been very difficult to deal with since the inception of this loan. Their paperwork is riddled with errors and rather than do their own research, expect me to gather all of the information and upload it to them. In XXXX, for instance, they tried to charge me for additional insurance because their date of insurance coverage was incorrect in their system. I gathered the pertinent information and sent it in. These documents should have been in their system already. Same thing with the taxes on the property. we quit claim deeded a 2 acre plot from within the property boundaries to our son ( its a house on the property ). Because of this slight change, rocket mortgage will not do their job and check to see that this property is in the original property purchased. I have all documents to back up the problems i have had with Rocket Mortgage.
Consumer complaint received 2017-07-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (NY)

ARS - listing debts I do not owe - asked for validation - they did not provide - these were removed from my credit reports three years ago - Now they all popped up on my reports again - I 've sent them another request to validate - they did not do so. I sent this information to XXXX - they refuse to remove the non validated item for the second time.. - They removed it the first time - once ARS fails to validate and the credit reporting agencies - ( XXXX, XXXX, XXXX ) remove the notation, because ARS failed to validate and violated the law, then how in XXXX do they put it back on my credit report again?!? Can I sue them for this?
Consumer complaint received 2023-02-10
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: Amsher Collection Services, Inc. (GA)

I Have recently looked into my consumer reports and noticed private identifying information that i have not given permissions to be shared or furnished therefore according to consumer laws my rights to privacy have been severely violated. Also the furnishing of the information on those reports without my written permission further violates my federally protected rights and constitutes identity theft. According to15 U.S.C.1681b ( a ) ( 2 ) and 15 U.S.C.1681 ( a ) ( 4 ) please send me proof that i gave prior instructions in writing to furnish account # # # # # # XXXX And i DEMAND the account be deleted until proof is shown. Furthermore, Pursuant to 15 U.S.C.1681 ( b ) reasonable procedures have not been followed to be fair and equitable to I, the Consumer.