davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

Subject : Urgent Request for Investigation and Expedited Resolution Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a matter of significant concern regarding my recent interactions with Wells Fargo. On XX/XX/2024, I formally requested from Wells Fargo Escalations Representatives the approved transactions within my claim. I was assured that these documents would be provided within 10 days, or at most within 20 days, as they are already documented. 

However, to my dismay, I recently received a letter from Wells Fargo stating that they will respond within 30 calendar days of XX/XX/2024. This abrupt change in timeline raises serious doubts in my mind about Wells Fargo 's transparency and their intentions to fulfill my request promptly. 

I fear that Wells Fargo may be attempting to conceal documentation by delaying the provision of information crucial to my claim. As such, I am seeking urgent intervention from the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter thoroughly and expedite the resolution of my request as soon as possible. 

It is imperative that Wells Fargo upholds its commitment to transparency and provides me with the necessary documentation without further delay. Your swift attention to this matter is greatly appreciated, as it directly impacts my ability to address unresolved issues and seek appropriate recourse. 

Thank you for your prompt action in this regard. I eagerly await your response and the resolution of this troubling situation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Email : XXXX XXXX
Consumer complaint received 2019-01-04
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CarMax, Inc. (NC)

Carmax has reported me late several times over the course of my loan. I would like them to validate and prove all reported lateness. During the course of my loan, carmax failed to send my monthly statement, and changed my due date several times, without me  knowledge. I want all of the unsubstantiated late payments removed from my credit report, all three credit reporting agencies.
Consumer complaint received 2020-08-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (VA)

XX/XX/XXXX Dear FTC, I applied for forbearance consideration with my mortgage lender ( PNC Bank N.A . ) under the terms of the 2020 Cares Act mortgage forbearance Terms on XX/XX/XXXX. Unfortunately, PNC countered with a forbearance program that was inconsistent with the Cares Act in that the loan modification would be " resulting in additional interest accruing over the life of the loan. '' See PNC letter Dated XX/XX/XXXX. I found that response very troubling. 

Due to the inconsistency with the 2020 Cares Act ( Section 4022 b ( 3 ) titled " Accrual of Interest or Fees '', I declined the PNC forbearance offer in writing on XXXX, XXXX. PNC Bank put me in their forbearance program anyhow. In my opinion, PNC appeared to unfairly put themselves in position to increase their profit from my loan despite Cares Act forbidding such activity. 

I have made numerous calls and trips to PNC bank to clarify the additional fees or interest they are planning to charge me via a modified amortization schedule that would show such additional time line of payments and/or any additional interest. They have refused to provide a amortization schedule or document that could verify I would pay no more than the total total finance charges of {$300000.00} listed on my original Installment Loan Disclosure document dated XX/XX/XXXX. They claimed no original amortization schedule existed at time of closing ( not provided to me with closing documents ) or could possibly be produced as a result of a forbearance loan modification. In fact, Ms. XXXX XXXX ( PNC retail support expediter ) refused my specific requests for original and modified amortization schedules during my phone conversation with her on XX/XX/XXXX at approx XXXX XXXX claiming that an amortization schedule for my loan " does not '' and " can not possibly '' exist. I find that position inexplicable as well as unacceptable. I would sincerely appreciate your help resolving my concern over this apparent Cares Act violation. 

Sincerely Yours, XXXX XXXX XXXX XXXX. 
Encl. 6 pages
Consumer complaint received 2023-03-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (TN)

I had an open account with BB & t for my business and for myself and I had maintained it for quite some time. I was arrested for a violation probations and was gone for 24 months and during that time someone had stolen my card and my account information and made several frauds on charges on my BB & t account as well as several of my others, I have reported this to BB & t with absolutely no assistance from the company and it has now a part of my credit report as well as XXXX, they have clothes my accounts and I had a positive history with them. I have attached several photos where you can tell over 30 transactions were done on XX/XX/2021 resulting in an account balance of XXXX and I was incarcerated
Consumer complaint received 2023-03-17
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: EQUIFAX, INC. (TX)

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-17
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: EQUIFAX, INC. (SC)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-17
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (DC)

When I investigated my credit report, I realized that much information was erroneous. The 3 credit Bureaus are required to authenticate these items. It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Please investigate the unverifiable items below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX  XXXX XXXX XXXX Balance : {$340.00} XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-03-17
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: EQUIFAX, INC. (CA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or companywithout my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating this account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please remove this fraudulent account : XXXX XXXXXXXX XXXX XXXXXXXX Date opened XX/XX/2022 Balance : {$450.00}
Consumer complaint received 2024-02-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP (OH)

I called PRMG ( Paramount Residential Mortgage Group ) on XX/XX/XXXX to request loan statements from XX/XX/XXXX through XX/XX/XXXX be faxed to title company so that I can sell the home to the other owner on the title. I was told 24-48 hours by the XX/XX/XXXX the documents were not received. I called almost everyday from XX/XX/XXXX to the XX/XX/XXXX as title company was going to drop the deal without the loan statements and proof of payment. I was told " 24 more hours '' every day I called. Finally, on XX/XX/XXXX, one week after the initial request, I was told I would have to submit a second request for the loan statement as they are not available online. 
After I submitted a second request on XX/XX/XXXX PRMG ONLY faxed the cover sheet saying " Thank you for your business '' but NO statements were faxed-only the cover sheet. I called back on XX/XX/XXXX asking them to fax the statements and not just a coversheet. I spent an hour on the phone to be told they would have to submit a THIRD order and see if they could get a hold of the employee that only faxed the coversheet to send the fax again. It is now XX/XX/XXXX and still no statements. It is my understanding that refusal to provide these documents and information is breaking code of ethics found in their mortgage violations agreement and they are required by law to provide this information in order to maintain their operating license. I will never again use PRMG for a loan.
Consumer complaint received 2023-03-17
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: EQUIFAX, INC. (FL)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX, SC XXXX ; XXXXXXXX XXXX XXXX  XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$19000.00} ; 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
Consumer complaint received 2023-03-17
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: EQUIFAX, INC. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX 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 2022-07-11
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: Experian Information Solutions Inc. (OH)

In accordance with the Fair Credit Reporting act ; XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-03-17
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: EQUIFAX, INC. (NC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXXXXXX XXXX XXXX XXXX Balance Owed : {$82.00} XXXX XXXX XXXX XXXX Balance Owed : {$660.00} XXXX XXXX XXXX I XXXX Balance Owed : {$70.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$160.00} XXXX XXXXXXXX Balance {$660.00} XXXX XXXXXXXX Balance {$160.00} XXXX XXXXXXXX Balance {$70.00} XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-03-17
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: EQUIFAX, INC. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Items XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX.
Consumer complaint received 2023-03-17
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. (FL)

After reviewing my credit report I found XXXX XXXX to show a lot of inconsistencies. According to the FCRA my report should be 100 % accurate. The account number is different across the three bureaus. Date opened, date last reported, date last active and date of last payment all have inconsistencies. Please correct all these errors or delete the account.
Consumer complaint received 2023-03-17
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

When I reinvestigated my credit report, I realized that the accounts were erroneous The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$240000.00} XXXX XXXX XXXX Balance : {$3300.00}
Consumer complaint received 2020-12-16
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: SYNCHRONY FINANCIAL (UT)

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2020, SYNCHRONY FINANCIAL, on XXXX. XXXX, 2020,  XXXX XXXX XXXX and on XXXX. XXXX, 2020, XXXX XXXX XXXX add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2021-03-07
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: Experian Information Solutions Inc. (CT)

I disputed a recent charge off showing on my Experian credit report. I explained that I am a victim of a declared disaster as I am currently unemployed due to the pandemic. I contacted my creditors to explain this hardship, and 2 of them set up payment arrangements. One of those creditors took the payments but still charged the account of. They also did not flag my account as being a victim of a natural disaster. Experian claims they investigated, in 2 days, and that the creditor confirmed that the information is accurate.
Consumer complaint received 2020-08-02
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Jormandy, LLC (VA)

In XXXX my vehicle was reposssed by XXXX consumer. The vehicle was then sold and the amount due was owed. However in XXXX the account was sold from XXXX and they stated they no longer took over the account. In XXXX I was sued and a judgement was placed from Jormandy stated they were collecting from XXXX. The judgment was placed but I reached out to set up payments in regards to this. In XXXX I received a spam call from a company stating that XXXX was using them to collect funds and reached out to CFPB in regards to this. I received a notice from XXXX in response to the complaint with CFPB stating that they no longer had the account and another company had acquired it. I stopped making payments ( about {$700.00} ) as XXXX stated no company should be collecting funds for them and since have been contacted from Jormandy in regards to this. I do not owe them this debt and they are trying to take me back to court in XXXX for this.
Consumer complaint received 2022-07-19
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. (PA)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior XXXX XXXX XXXX XXXXXXXX and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NAVY FEDERAL CREDIT UNION (NC)

My home was completely devastated during hurricane Florence leaving the house uninhabitable with no roof, no walls, no floors, no electricity. The insurance company has authorized a limited amount of time where they will pay temporary housing and that goes month to month and could end at any time. It has been almost four months since the storm and little progress has been made on the house mostly due to slow insurance settlements, however, now that the insurance company has began issuing checks, Navy Federal Credit Union is not releasing the funds in a timely manner. 

The checks issued by XXXX  XXXX  XXXX XXXX are written to my wife and I, and the mortgage company, Navy Federal. My claims specialist at Navy Federal is XXXX XXXX and the incident number is XXXX. Her phone number is XXXX XXXX option 1. On XX/XX/XXXX I sent XXXX XXXX a receipt where I paid XXXX dollars in cash to a tree company to remove a tree that was through the roof of my house and wrapped up in a powerline. The insurance company approved this amount and verified that the receipt I provided was enough for them to release payment to reimburse me for my out of pocket expense. XXXX asked me for more proof that this money was spent such as a withdrawal from a bank which I did not have as this was cash my wife and I had saved for a rainy day, such as a tree crashing through our roof during a hurricane. The roof has been repaired as verified by insurance inspectors and county inspectors, which would not be possible if the tree that I paid to remove was still through the roof. XXXX XXXX has offered no further guidance and will not even respond to emails I have sent asking about reimbursement. 

On XX/XX/XXXX I sent a cashed check receipt from my bank for labor I paid the contractor working on my house in the mount of XXXX dollars. Again, XXXX XXXX has not issued payment to reimburse me and is not responding to my emails asking about repayment. I have called the number provided and been told on multiple occasions that " she's not on the phone today '' presumably meaning that she is working but not accepting phone calls. No one else that answers is able to help me. There seems to be no recourse of action and no one to talk to. I have received no explanation as to why or when I will get my insurance money that I have provided receipts for. This is now XXXX dollars that was sent to me by my insurance company that Navy Federal has just kept.

We lost almost all of our belongings in the hurricane, spending a couple weeks homeless. The expense has been tremendous. I do not have money or faith in Navy Federal to repay me any longer and there is no one being held accountable in their insurance claims department. The insurance company can stop paying our housing allowance at any time, putting us back on the street. We have made all of our mortgage payments to Navy Federal for a house that we can not use and a house that they are getting money from insurance for but is still uninhabitable largely due to their inability to repay us.