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

Matter Requiring Attention : Alleged unethical treatment of principal pre-payments when monthly mortgage pre-payments were made.

-- -- Situation : In early to midXX/XX/XXXX, I made ( 11 ) monthly mortgage pre-payments and some principal pre-payments. By beginning ofXX/XX/XXXX, the principal balance was {$100000.00}. Around the first week of XX/XX/XXXX, I used Wells Fargo 's online interface to get a payoff estimate, with an anticipated payoff date of ~mid-XX/XX/XXXX. The website returned that I would be refunded ~ {$3600.00}, which seemed to make sense to me given an interest rate of 4.000 %.

On XX/XX/XXXX, I made a principal payment of {$50000.00}, resulting in a residual principal balance of {$50000.00} that remains unchanged as of today, XX/XX/XXXX.

About a week after that principal payment, I again used Wells Fargo 's online interface to get a payoff estimate, this time with an anticipated payoff date of ~XX/XX/XXXX. The website returned that I would be refunded ~ {$1800.00}, which implies a partial principal pre-payment would have forfeited my right to recover the corresponding pre-paid interest.

-- -- Inquiry Context : Several prior attempts through the CFPB as a conduit were made to shed light on Wells Fargos practice. On XX/XX/XXXX, I initiated an inquiry through the CPFB to gauge the impact of a potential future {$45000.00} principal pre-payment on a payoff estimate. Wells Fargo responded on XX/XX/XXXX. In its response letter, Wells Fargo stated " At this time, with the account being due for the XX/XX/XXXX, payment, and the payoff calculated through XX/XX/XXXX the overpayment of interest is {$490.00}. [ ... ] If you were to make a {$45000.00} principal payment as indicated in your inquiry, you would need to request an updated payoff statement at the time to determine the correct payoff amount. I'm sorry for any stress or aggravation this might have caused you. '' Above statements suggests : Wells Fargo understood the inquiry, however declined to disclose the impact of a partial principal payment on a payoff estimate, which I deem both unreasonable and further damaging.

A prior letter from Wells Fargo suggest they simply use " Unpaid Principle Balance '' ( UPB ) to calculate any required at the time of a payoff.

The CFPB provided a conduit for written communication, however whether any other supervisory action has been taken to date is unclear.

-- -- New request of Wells Fargo, to be answered point by point : 1. Assume I make a principal pre-payment of {$45000.00} on XX/XX/XXXX. What would be a likely payoff estimate calculated through XX/XX/XXXX, with an accuracy range of plus or minus 10 %?

2. If you decide not to provide an estimate as requested by point # 1, please explain why you are unable to do so, keeping in mind the intent of the inquiry ( i.e., plus or minus 10 % accuracy being acceptable ).

3. Using your historical records on the account, please provide an estimated payoff amount as of XX/XX/XXXX, calculated through XX/XX/XXXX.
Consumer complaint received 2022-07-27
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022 2022
Consumer complaint received 2019-01-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (MA)

Below is a summary of a sequence of events involving Citicard and their failure to deliver my account funds to me. 

-Closed Citicards account -Refund was made to closed Citicard account by a retailer. 
-Positive balance appears in closed Citicard account. 
-Requested payment from Citicard via check. No check arrives in mail. This is odd because I have previously received mail from Citicard and do not have any known issues with mail delivery. 
-Requested payment for second time from Citicards , same failure to deliver check via mail occurs. 
-Requested idle check balance be reapplied to my account, this occurs after some time. 
-Requested wire transfer to my bank account. Payment not transferred in projected time frame. 

After numerous conversations with Citicard representatives, we are all in agreement that the Citcard has my funds and thus an obligation to deliver them to me. They have simply failed to actually deliver these funds three separate times. This is an alarming pattern, especially given the feedback I have recently received from personal friends in addition to Citicard 's abysmal reviews on the web. 

Where do regulators draw a line between fraud and poor service? If my experience is also that of others, this bank should not be allowed to operate in the United States.
Consumer complaint received 2018-09-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I am asking Portfolio Recovery Services to send me a signed contract by myself that I owe them the debt they are claiming as their own. 

They are reporting on my credit reports ( XXXX, XXXX, and XXXX ) that I owe them money. 

I do NOT owe them ANY money.
Consumer complaint received 2019-01-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (CA)

I HAVE SUBMITTED COUNTLESS DOCUMENTS TO VERIFY MY IDENTITY AS WELL AS CONSTANTLY HAVING TO GO THROUGH A SEEMINGLY ENDLESS VERIFICATION PROCESS EVERY TIME I USE MY CARD. THEY KEEP LOCKING THE ACCOUNT AND THEN DEMANDING TO SEE ONLY MY DRIVERS LICENCE. I HAVE EXPLAINED NUMEROUS TIMES I DO NOT FEEL COMFORTABLE WITH SENDING THAT AS I HAVE ALREADY HAD MY IDENTITY STOLEN ONCE. THEY THEN TELL ME ITS THE ONLY WAY THEY WILL VERIFY ME AND THAT MY ACCOUNT WILL STAY LOCKED UNTIL I SEND THEM MY LICENCE AND ONLY THEN. THEY STILL REQUIRE ME TO PAY ALL FEES AND CHARGES ASSOCIATED BUT REFUSE ALL ACCESS TO MY OWN INFORMATION OR ACCOUNT.
Consumer complaint received 2019-01-15
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: WELLS FARGO & COMPANY (KY)

A car was bought in XX/XX/XXXXand payments made every month fast forward to XX/XX/XXXX I am being accused of a missed payment ( which did not happen ) my bank forwarded proof and they refused to acknowledge it. My bank after looking into it thinks it is an error on their end. I have proof of every payment made on this car. This bank is harassing, and threatening and should not be in business, they are ruining people 's lives. MY PROOF WILL BE SENT VIA MAIL TO YOU. As you may have guess it is WELLS FARGO BIGGEST CROOKS IN THE NATION.!!!
Consumer complaint received 2019-01-15
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. (CA)

On XX/XX/2017 I placed a fraud alert and the number I have on fine is the wrong one so when I called to updated they did update it and now that am checking they did not the right number should be XXXX
Consumer complaint received 2022-07-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX XX/XX/2021 XXXX the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Consumer complaint received 2019-01-15
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: EQUIFAX, INC. (TX)

On XX/XX/2018 .... I mailed identical hand-written disputes to be filed and addressed within the 30-day allotted time frame with all 3 credit bureaus and have yet to receive any update, nor any revised report reflecting the changes.

Consumer Rights according to the FCRA allow a 30 day review and if not timely responded, then the derogatory item disputed is removed from the consumer report.
Consumer complaint received 2018-08-25
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)

All three credit bureaus were reporting three different bankruptcies, and the courts do not verify bankruptcies. Therefore, the credit reporting agencies pulled that information from a third party reporting agency. So that information must be deleted.
Consumer complaint received 2021-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AR)

I sent my dispute letters several times to the credit bureaus but until today I still have not received any results. Here are the accounts : XXXX/XXXX  Account # : XXXX XXXX/XXXX  Account # : XXXX XXXX  XXXX Account # : XXXX & XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX
Consumer complaint received 2021-07-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc. (TX)

I have attempted several times to get this debt validated by this company and they still have not done it. My first attempt was XX/XX/2021 by certified letter. My second attempt was 30 days later. Per FCRA rules, if the debt isn't validated within 30 days, the company is supposed to delete the debt from my credit profile with all credit bureaus. The FCRA rules are NOT being followed, which is why I have filed complaints with the CFPB, FTC, and XXXX and at this point I am also well within my rights to contact an attorney. The company stated in my last complaint that they sent the info that I requested for validation ( full name, original contract, original signature, full date of birth, full social security number ) but I have NOT received that info. I do believe that was a tactic by the company in order to close out the complaint.
Consumer complaint received 2022-07-27
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. (VA)

There are two companys being furnished onto my consumer report with my written instructions. I do not have contracts with neither one of them. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy an confidentiality, ( XXXX XXXX XXXX ) XXXX XXXX nor ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Pursant to 18 USC 8, I owe no debt, This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4
Consumer complaint received 2022-07-27
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. (MD)

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 an account without my written instructions.
Consumer complaint received 2020-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

Capital One Bank is reporting a 30 day late on my credit file. Due to unforeseen circumstances surrounding the pandemic I was severely impacted financially. This was truly out of my hands as my hours were cut and I was unable to find another source of income. I am asking that you please remove this late from my credit file as it has has a big impact on my scores .I also paid this as soon as possible trying to avoid this late notation on my credit. As a long time customer I am asking for this one time courtesy.
Consumer complaint received 2019-04-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Forest Recovery Services LLC (FL)

Forest Recovery Svcs just reported a {$1200.00} debt on my credit report. Prior to the appearance of this account on my report, I did not receive a notice of my right to dispute. This is a violation of my rights under the Fair Debt Collection Practices Act.
Consumer complaint received 2024-03-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/XXXX a transaction was authorized in XXXX, without me knowing or approving Somebody was able to violate my Wells Fargo on line banking security and send money from my checking account through XXXX ( to somebody i do not know for XXXX $ ) and a second charge direclty on checking account for {$1000.00} ( Wells Fargo states still under investigation ) Regarding XXXX transaction, bank will not refund back as it states it was authorized by myself, though the authorization was done by somebody that hacked this account ( I have attached proof of change in phone number associated to my account, without my authorization ) In summary, my online banking account was hacked the hacker changed phone number ( as if he were me ) to authorize a XXXX transaction Wells fargo security was not able to avoid that I had to restate my phone number and open new account to continue operating Wells Fargo states that i authorized this transaction. In fact it seems authorized under my credentials, though my credentials were hacked and changed with no protection from Well Fargo ( all info and proof attached below )
Consumer complaint received 2023-08-20
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: Creditors Bureau Associates (OH)

In XXXXXXXX XXXX, I sent a request to Creditors Bureau Associates to verify the accuracy of a debt in the amount of {$600.00} reported on my XXXX and XXXX credit reports because I do not recognize this debt. XXXX stated the debt was verified by matching my name to an address in a state I do not reside in. XXXX did not update my account that I am disputing the debt within the allotted 30 days according to15 USC section 1681i ( a ) .In addition, an account number isn't provided.
Consumer complaint received 2022-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2019-01-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (NJ)

Creditor is reporting accounts that are invalid and unverified. XXXX, XXXX  and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2020-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I filed a complaint with the cfpb which came back from the credit bureau stating that it was not me filing the disputes or complaint. I am the only one disputing the items on my credit that should have been deleted. This is an ongoing problem that hasn't been fixed. XXXX is still reporting on Equifax although they have showed that they no longer own the credit file and it is now owned by XXXX XXXX XXXX XXXX XXXX XXXX is still reporting on Equifax and XXXX inaccurately. XXXX XXXX XXXX XXXX XXXX have provided a letter stating the balance on the account which is in accurate and does not match what has been reported to the credit bureaus therefore needs to be deleted immediately. I have requested for both Equifax and XXXX to provide me with the proof of verification in which XXXX and XXXX XXXX XXXX is providing them and it has been over 30 days and that proof of verification has yet to be provided. BELOW is the complete I have previously sent the cfpb : : Year XX/XX/XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I filed a dispute with Equifax and XXXX for XXXX XXXX XXXX and XXXX and it keeps coming back verified within 7-10 days. 

I requested onXX/XX/XXXX a method of verification from both Bureaus for each item, I attached the past disputes, as well as the supporting documents from those creditors ; on XX/XX/XXXX if was returned as verified from XXXX and XX/XX/XXXX it was returned as verified from Equifax. When it returned as verified it did not explain how with the method of verification that the creditor is providing the bureau. 

XXXX XXXX XXXX is reporting inaccurate information on my credit file and I have provided both Equifax and XXXX with letters directly from the creditors showing that the information that is being reported is inaccurate. 

XXXX no longer holds this credit file and it is now being managed by XXXX XXXX I have provided both Equifax and XXXX with documentation directly from the creditor. I have spoken with XXXX and they have advised me that they no longer have the account and they told me to contact XXXX XXXX 

I have repeatedly over the past 2.5 months gone back and forth with these bureaus regarding this matter. I have requested a method of verification from Equifax and XXXX. They have both been unable to provide me with this information and is still reporting the 2 items on my credit report. The method of verification has not been provided at all. It is my understanding no investigation is being done and my documents are being ignored despite them showing and saying the documents and dispute have been received. The following 2 items XXXX XXXX XXXX   and XXXX need to be deleted immediately from Equifax and XXXX   due to it being inaccurate.
Consumer complaint received 2021-06-02
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. (NY)

On XX/XX/2021, I notified credit reporting agencies that they violated the 15 us code 1681 and 15 us code 1681b ( FCRA ). As much as possible I would like to avoid having issues like this, so I want them to take care of it.
Consumer complaint received 2018-09-11
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)

There are many accounts open on my credit report, they use a different name because they provably didn't know my real name, They use XXXX, XXXX and other names my real name is XXXX XXXX and I was XXXX in the XXXX XXXX in XXXX, XXXX XXXX and XXXX XXXX I have my XXXX orders all the data is incorrect please assist. I am in town for the next 2 months.