davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Bank not only used my information to open/close 14 stray accounts under my social security number and/or credit number known by the 3 credit reporting bureaus, making it a part of Wells Fargo 's multi-million dollar Cross-Selling scandal. They closed a charge ( s ) unauthorized, activities account and left me with fees steadily accruing after alleged closure and inactivity date ( s ). My credit is fine, have a few derogatory items to worry about  from prior to, two years account activities, for respected account ( s ). The only reason they could find for denial and an adverse action  is, " Previous Wells Fargo checking or saving accounts not maintained as agreed. '' Granted by, otherwise denied, paid/repaid, authorized Wells Fargo overdrafts. This has been the denial since my first credit/bank account opening attempts in XXXX. I feel that this is illegal and discriminatory in action, like Wells Fargo not granting account immigrants accounts because of discriminatory reasons. It might be due to their discriminatory actions against XXXX or XXXX borrowers, such as the lawsuit discussed in XXXX XXXX Wells Fargo 's scandals in the past reporting 20 years. In XXXX. XXXX they flunked community lending. They will not overturn/overlook this decisive action. All I need them to realize, is that I can and am financially capable of handling, any/all, of my credit accounts show pos. payment history for last two years on all accounts and XXXX balance on closed accounts. Please remedy this situation with extreme hastiness as Wells Fargo needs to just quit discriminating and taking advantage of people, approve of my application and let go of derogatory information about me, on an internal level unless it's going to be public to me? But how when there's no records of previous account activity for any of my Well Fargo Bank Accounts ' previously and possibly fraudulently  opened without my knowledge.
Consumer complaint received 2020-02-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (IL)

On XX/XX/20 I've received notification from Nationwide Credit Inc in  regards to an alleged debt owed to XXXX XXXX in the amount of {$1300.00}. In accordance with the law ( FCRA ), please provide proper validation of this alleged debt. ( Validation consisting of a valid agreement bearing my handwritten signature ).
Consumer complaint received 2021-11-17
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. (NY)

This company is crazy I filed a complaint and sent them what they asked for to remove a fraud collection account which they are reporting hurting me and my credit score when the item was never reporting this is not fair I sent my Ftc report they refused to blocke this item portfolio recovery I sent them a deletion letter and they still have not made the changes or updated on my credit file they are not following their own guidelines this is ridiculous when the company sent me a deletion letter I fosesred this to them and its still reporting this is the only credit bureau reporting this the other 2 removed it
Consumer complaint received 2020-02-16
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 (TX)

I reached out to Capital One Bank on numerous occasions regards to the inaccurate late reporting for the entirely XXXX  year on a closed account I pervious had open with Capital One This account was not late in XXXX ; on XX/XX/XXXX account was paid in full and closed by Capital in XX/XX/XXXX. XXXX shows Capital one account late for the entire XXXX  year ; this is inaccurate information. XXXX shows Capital One account closed XX/XX/XXXX, and XXXX shows account last payment XX/XX/XXXX ; Capital One refuses to report correct information on my credit report. Instead Capital One email letters stating account appears to be at a XXXX  balance as of XX/XX/XXXX, and the account was closed and has been since XX/XX/XXXX. See attchments I have spoken with XXXX ID XXXX ; I talked to supervisor XXXX ID   XXXX ; he provided it a case # XXXX. I talked to XXXX ID XXXX, and my credit report has no been corrected it
Consumer complaint received 2021-11-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (AL)

AFNI INC has place derogatory information on my consumer credit report harming my reputation. I DO NOT HAVE AN AGREEMENT WITH AFNI INC, AFNI INC WAS NOT AND NEVER WAS PARTY TO ANY AGREEMENT ON BEHALF OF OR BETWEEN ME THE NATURAL PERSON AND ANY OTHER PERSON., I never gave them permissible purpose pursuant to 15 USC 1681b ( 2 ) to furnish any information on my credit report, nor was I notified about this alleged debt. AFNI INC, is in violation of the FDCPA and my consumer right to privacy. This is active identity theft. No written notice was received within five days of the initial communication as the first communication received from this debt collector was on my consumer report. Therefore this debt is unverified, does not follow the requirements and is a violation of 15 USC 1692g. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt pursuant to 15 USC 1692e. AFNI INC furnished derogatory information on my consumer report creating a false belief that I am contracted with the and owe a debt. Pursuant to 15 USC 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. In accordance with 28 U.S. Code 3002 ( 1 ) ( B ) AFNI INC. is not a US attorney, an assistant or designated to act on behalf of the US attorney, or an attorney or the US Dept. of Justice or a Federal agency with litigation authority, which means the head of agency with any accompanied private attorney must have a contract made in accordance with section 3718 of title 31 to conduct any litigation or collection of debts pursuant to 18 USC 8 on behalf of the United States and otherwise would have no rights to collect.
Consumer complaint received 2021-11-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (TX)

This is the second fraudulent notice I've received from a company regarding an alleged outstanding amount due on an old XXXX internet account. 

When the first debt collection agency sent me debt notices ( a year ago ) I called and spoke to them, explaining that the account balance on that ( closed ) XXXX account was ( and still is ) {$0.00} and that there was nothing to collect. They did not contact me again. 

Now this is a new company claiming the same amount on the same XXXX account ( the balance due on which is still {$0.00} ), and rather than go through all this again in another year 's time I would like this to simply stop. 

Can you help?
Consumer complaint received 2022-10-11
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. (GA)

I put a dispute in on XX/XX/2022 about information on my credit report about a bankruptcy stating the verifiable with the Bankruptcy courts. I contact the United States Bankruptcy XXXX XXXX XXXX XXXX Georgia stating the Bankruptcy can not communicate with Credit reporting agencies. Bankruptcy court letter included in this complaint.
Consumer complaint received 2017-06-05
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Colony Brands, Inc. (TN)

XXXX   XXXX   XXXX   XXXX   is reporting my account as a charge-off, which  may h ave been true at  one tim e. However, I settled the account with their collection agency,  XXXX   XXXX .  XXXX   XXXX  is correctly showing that I have a   XXXX   balance.     I have disputed the account with the credit bureaus 3 times and  XXXX   XXXX  still will not update my status to paid. They are showing me as a charge-off.     I have made multiple phone calls and many hours trying to get this corrected. I can not get a person on the phone at  XXXX   XXXX  that understands what I 'm talking about.     Please help! I 'm trying to buy a house and this is messing me up!
Consumer complaint received 2022-10-11
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. (MO)

I am a single mom and I dont make a lot of money, I have the right to privacy In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions Thank you very much
Consumer complaint received 2021-11-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (FL)

This is the 3rd time I'm making an official complaint. I do hope that this is the last time I have to do this. Here is the timeline. On XX/XX/XXXX, I received an email from Fedloan stating that a new loan had been disbursed. This is odd because I've not taken out a student loan since XXXX and hadn't been enrolled in a college since XXXX. I contacted FedLoan and the school in question ( which I am not enrolled in ) and neither party could provide any specific information. I have since contacted FedLoan, the Ombudsman, and the CFPD multiple times seeking to find any information regarding a fraudulent loan placed into my credit history and have not received any documentation or reasoning. I have received a way to discharge the loan, however this does not inform me if my personal credit has been compromised, which has been one of my main issues. I'm tired of getting the run-around and do not have time to continue to get answers. I am truly fed up with this situation and am just seeking answers.
Consumer complaint received 2019-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (PA)

XXXX has two different removal dates for same company. midland is supposed to fall off XX/XX/XXXX but midland committed fraud by re-aging the date to XX/XX/XXXX dofd was XX/XX/XXXX, 7 years will be XXXX not XXXX! midland needs to stop playing games
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I am Requesting the Removal of Inaccurate Late Payment Entry from Credit Report. Account Number : XXXX In light of these regulations, I request that you take immediate action to rectify this error by removing the inaccurate late payment history entry from my credit report. I emphasize that this request is not made frivolously, but rather in accordance with my rights as outlined by the FCRA. I have enclosed copies of supporting documents [ attached file ] to substantiate my claim of on-time payment. I trust that upon review of this evidence, you will promptly correct the erroneous information on my credit file. Please provide written confirmation once the necessary corrections have been made. Additionally, we request that you furnish my client with a free copy of their updated credit report reflecting the removal of the inaccurate late payment entry. In addition to the inaccurate late payment entry, it has come to our attention that the credit report provided by your agency differs from those provided by other consumer reporting agencies. Such inconsistencies raise concerns regarding the accuracy and reliability of the information being reported by your agency. In light of these legal obligations and discrepancies, I hereby formally request that you take immediate action to rectify the error by removing the inaccurate late payment entry from my client 's credit report. This request is made in accordance with their rights as outlined by the FCRA, and failure to comply may result in further legal action.
Consumer complaint received 2021-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: HSBC NORTH AMERICA HOLDINGS INC. (NC)

I stopped using one of my XXXX account in 2020 and did not think to deactivate it, but just recently I went back on that account to check some orders and I noticed that there was a strange expired bank credit card HSBC Revolution Visa Platinum Credit Card under my name and address that I never made. I tried calling the bank but no one answered so will try again tomorrow. I went back to XXXX account and tried looking for more details to find who has been using it and discovered a name and address. This person ordered some stuff in 2020 and had been deleting his order history so it took me a while to find his info. I managed to find a invoice with his name : XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, NC XXXX United States XXXX I do not know if he is still located at the address since the last item was ordered in XX/XX/2020. I do not know if he still has the credit card that has my name on it so I want to report everything before he uses my information for anything else. I reported this to XXXX today and they are currently in the process of looking into it because I have been charged for XXXX prime for almost a year since this occurrence. I have another XXXX XXXX account that I have been using so I did not think to check that I have been being charged for two XXXX XXXX membership.
Consumer complaint received 2020-02-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

In XX/XX/XXXX I went into financial and physical hardship. I hired an attorney from advice from my realtor XXXX XXXX ; realtor license : XXXX and was directed to XXXX XXXX ; CA Bar License # XXXX, XXXX XXXX ; CA Bar License # XXXX, which I paid them {$5000.00} XX/XX/XXXX to represent me in my fight to get a loan modification. My first loan was with XXXX XXXX  for {$450000.00} Loan Number XXXX and second loan with XXXX Loan Number XXXX for {$43000.00}. I went through all the necessary steps and GMAC approved and we entered the Loan Modification Agreement on XX/XX/XXXX. We were in agreement to make 3 consecutive months payments at {$2300.00}. After making XX/XX/XXXXand XX/XX/XXXXpayments, a representative from GMAC named XXXX, informed me that I didnt need to pay the third month since I honored the first two payments. Subsequently, GMAC without my authorization nor knowledge, paid my property taxes which I was not in default. Soon after, GMAC changed the terms and required me to make a {$4200.00} payment which will cover the tax payments they made on my behalf. Unfortunately, I didnt have the financial ability to make that payment due to my hardship. XX/XX/XXXX my property went into default and into foreclosure. XXXX XXXX and XXXX XXXX then forced me into a short sale, in addition to making me pay 3 % ( {$8300.00} ) for the closing costs. XX/XX/XXXX my home was sold in a short sale. Complaints ; 1.Breach of contract, loan modification agreement. 2.Violation of civil cod Section 2923.5. 3. Breach of the Implied covenant of Good Faith and Fair Dealing to Honor Loan Modification Agreement. 4. Promissory Estoppel from denying loan modification. 5. Violation of Civil Code Section 17200. 6. Declaratory Relief of Loan Modification Agreement.

I believe I was discriminated against based on my ethnicity, skin color and socioeconomic background, in addition the transactions and the course of action that took place throughout this process. The attorney 's I hired to help save my home, took advantage of my financial hardship and sold my home in a short sale. I don't understand how I was approved for a loan modification, then I " didn't qualify '' and soon after, my attorney 's sold my house in a short sale. I gave all necessary information, including all paperwork for the HOPE and HARP program for loan modification.
Consumer complaint received 2020-02-16
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)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2020-02-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE (UT)

" New Issue '' Barclay sent me statements I have reviewed the statements and highlighted areas of unauthorized charges on the cards that were taken used without my permission or consent. I informed the police department when all this occurred and the fact my life was threatened during this time and for safety reason stopped residing in my own home for the last 18 months.
Consumer complaint received 2020-02-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NC)

Hello, It appears the property taxes on my property have not been paid. I just received a NOTICE OF TAX ADVERTISEMENT from XXXX County on XX/XX/2020, stating that I have unpaid property tax dues of {$3300.00} ( including interest ). I have been paying my property tax escrows as part of monthly mortgage payment without missing a single payment. As per the closing disclosure, my monthly mortgage payment includes the following : Principal & Interest - {$1400.00} Mortgage Insurance - {$130.00} Escrow ( Property Taxes, Homeowners Insurance ) - {$320.00} Could you please ensure that Wells Fargo pays my taxes in full with interest to the county at the earliest? Thank you.
Consumer complaint received 2020-02-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (OH)

They added collection to my credit reports without accurately validating debt. I checked and cant verify their registration in Ohio. BOTH are FDCPA violations!

Jefferson Capital put collection on my credit report without accurately validating the following information as requested at least 5 times : I request that Jefferson Capital validate the following information : 1 - Full original account number and personal information associated with the account 2 - Date original account was opened 3 - Any written agreements between myself nd the original creditor stating that the alleged debt 4 - Full account summary and itemized calculation of alleged debt 5 - Date of first delinquency 6 - Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before and after it was reported to the CRA 's and so in proving that these calls were made in the times governed by the FDCPA laws.
Consumer complaint received 2020-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IA)

I got married XX/XX/2018 and changed my last name. I have been fighting with Experian since to change it to my legal married and they still refuse no matter what. I want my ladt name to finally be corrected after a year and s half of problems.Also want the extended fraud alert removed that I never asked for.
Consumer complaint received 2021-11-17
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

To whom it may concern : I had a Bank of America credit card since XXXX- with on time payment history for over 14 years. Last year in XXXX - I was visiting XXXX in XX/XX/XXXX when I contracted XXXX-XXXX and due to complications I was admitted to a hospital on XX/XX/XXXX and put on a XXXX on XX/XX/XXXX. I almost died and I was on the XXXX in a XXXX until XX/XX/XXXX and then in an almost vegetative state until XX/XX/XXXX when I was finally discharged from the hospital. Due to this, I missed the 2 credit card payments that were due in XX/XX/XXXX and XX/XX/XXXX. 

Once I was discharged from the hospital- I started making the payments and once I paid the credit card in full - Bank of America closed the credit card account. 

I contacted Bank of America to request them to delete the late payments on my credit report but they refused. I am requesting you to please consider my request- I was not at fault- I have an excellent payment history - I almost died and as soon as I got out of the hospital I paid my debts in full. 

Can you please request Bank of America to delete the late payments on my credit report. 

I am more than happy to provide all the proof of my hospitalization as needed. 

Thank you, XXXX XXXX