davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (WV)

Wells Fargo Home Mortgage engaged in a classic bait and switch maneuver on me during the Covid-19 forbearance and loan modification process. I am a XXXX XXXX veteran that just started encountering services related XXXX problems in and around XXXX XXXX XXXX. As such, I fell behind on a payment just prior to Wells Fargo extending mortgagee 's Covid-19 forbearance options in late XXXX and early XX/XX/XXXX. I reached out to Wells Fargo Home Mortage and was granted forbearance by letter dated XX/XX/XXXX. In the letter Wells Fargo Hoe Mortgage represented to me that any missed payments would automatically be moved to the end of my mortgage. By letter dated XX/XX/XXXX, Wells Fargo extended my forbearance period. The letter did not say anything about how any missed payments would be handled and whereas the letter represented itself as an extension, I assumed it was under the original terms as stated in the original XX/XX/XXXX forbearance letter. I continued to labor under this assumption until XX/XX/XXXX wherein Wells Fargo Home Mortgage sent me a correction letter stating that my missed payments may not automatically be applied to the end of my loan but by this time I was 9 months in to the 18 months forbearance period without the resources to do anything else but to continue in the forbearance program. I came out of the forbearance program in XX/XX/XXXX and made my first payment in XX/XX/XXXX and every month thereafter on time and in full. I immediately began working with Wells Fargo Home Mortgage on a loan modification and requested that Wells Fargo Home Mortgage consider me for any of the other programs that their XX/XX/XXXX XXXX or their XX/XX/XXXX letters stated I would be considered for. After a long and protracted process, Wells Fargo Home Mortgage claimed that they could not calculate an affordable payment under any of their programs even though I has more half way through paying off my mortgage and had considerable equity in the home and I am making more money now then when I purchased the home. The only program Wells Fargo Home Mortgage offered me was a short sell. They refused to apply the missed payments from XX/XX/XXXX to XX/XX/XXXX to the end of my loan even though they acknowledged their error in writing. They engaged in negative credit reporting for these missed payments which prohibited me from refinancing with anyone else and repeatedly sought to compel me to embrace a short sale when I told them that this house is a house my ex-wife and kids live in and I will do everything possible to keep a roof over their heads. In the end, I had enough resources to get the mortgage back in good standing paying an additional $ XXXX in missed payments over the 3 months I was appealing Wells Fargo 's denial of the loan modification on the grounds that I could not afford the mortgage I had been making consistently both before and after the forbearance period with the exception of this brief period of dealing with a new XXXX diagnosis between XXXX and XX/XX/XXXX right before COVID-19 hit.
Consumer complaint received 2022-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OR)

XX/XX/XXXX tied to temporarily lift a credit freeze that I placed in XXXX for a mortgage application. XXXX website no longer uses the pin number I was issued and gave me no way to lift my freeze, even though I could access my report and see it was frozen. I tried several of their phone numbers and was unable to get it lifted through any of them. This could jeopardize my ability to purchase a home. No issue with the other two agencies, whose freezes were placed at the same time. Easy to do online.
Consumer complaint received 2022-04-13
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. (GA)

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 rights of the privacy. 

15 U.S.C 1681 Section 604 A section 2 : It states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-13
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. (GA)

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 rights of the privacy. 

15 U.S.C 1681 Section 604 A section 2 : It states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-01-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (OR)

XXXX 2023 I deposited two checks into a previously negative bank account, one directly from work and another through their app from school ( leftover loan money I received each term, and had deposited before ). Bank closes my account AFTER depositing both checks. Around a month later, maybe two, received a check for between $ XXXX, but I have a remaining XXXX still unreturned. Contacted bank numerous times, via phone, in person, and at original bank I opened account at ( at their request ). Still nothing, and no information.
Consumer complaint received 2015-10-19
Product: Prepaid card — Payroll card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC (IN)

I have a Rush Card & I have been unable to manage or access my funds for over a week. I am going to be possibly be evicted & have my electricity turned off because of their " system issues ''. I just want access to my money, I work hard & not being able to access my paycheck is unacceptable!
Consumer complaint received 2022-04-13
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. (NY)

In accordance with the Fair Credit Reporting act 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 an account without my written instructions. 

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. 


In accordance with the Fair Credit Reporting act XXXX XXXX ( Original Creditor : 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 an account without my written instructions.
Consumer complaint received 2022-04-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: National Credit Systems,Inc. (NC)

This account was sent to collections without my knowledge. I received a notification from XXXX about a collections account that I know nothing of. I never received notification nor had I any knowledge of any debt accrued by the company listed. I dont even know what I was being charged for by the company. Its not only fraudulent, but definitely a misuse of my information.
Consumer complaint received 2020-12-20
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC. (MA)

I see multiple 90-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2022-04-13
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. (GA)

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 rights of the privacy. 

15 U.S.C 1681 Section 604 A section 2 : It states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Hatfield, Inc. (OH)

Grid. Supposed to be a credit line helper with a debt card. App issues continue not resolved. Business employees refused to acknowledge. I paid to card as suggested. They took from card for payment as agreed per email. Report reflected. Due to the repeated harassment I closed card. Time consuming. Seems to push certain people put. Only want job incomes. I closed. I paid in full. Not been updated on report. Reflects late falsely. I disputed. XXXX lied and just refused. Grid lied and said i was not. They want to go back and alter report instead of state closed and paid in full.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/2024 I submitted a dispute through XXXX for credit reporting by XXXXXXXX XXXX XXXX XXXX ( XXXX  ) ' for an account in collections for original creditor XXXX XXXX XXXX ' on XX/XX/2024. XXXX responded through the XXXX online credit report dispute on XX/XX/2024 that the reporting details were valid. I received a letter in the mail from XXXX  dated XX/XX/2024 that provided details of the debt that included a Patient Statement inquiry, a SXXXX XXXX XXXX  Consent to Treatment : Authorization to Release Information : and Statement of Financial Responsibility form, and a XXXX XXXX XXXX  Notification of Patient Responsibility for Co-Payments/Co-Insurance % and Deductibles form. I sent a letter dated XX/XX/2024 to XXXX, certified USPS certified mail with tracking # XXXX. In this letter I requested written proof of the validation of the debt and HIPAA authorization that I gave consent to the XXXX XXXX XXXX XXXX ( XXXX  ) for them to have access to my private medical records. I received a letter dated XX/XX/2024 from XXXX  that did not reference this debt validation request, but referenced a creditor that was not XXXX XXXX XXXX and was not in reference to any request that I submitted to XXXX. 

The letter and documents that I received with XXXX  's letter dated XX/XX/2024 have violated my HIPAA rights. There were included detailed medical records that included specific medical billing codes for specific and identifiable medical procedures that I did not give authorization for, that I did not consent for XXXX  to receive these details and other information about me or my HIPAA protected information. Therefore I request that this collections account be removed from my credit report immediately because the XXXX XXXX XXXX XXXX has violated the law and my HIPAA rights. 

I included attachments with copies of documents that XXXX  sent to me proving the violation of my HIPAA rights. I have redacted my PII, and other HIPAA protected information. The documents that I received from XXXX did not include any redactions.
Consumer complaint received 2022-04-13
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)

XXXX XXXX Item : XXXX Account # XXXX The amount {$730.00} I just looked at my credit report and was shocked to see this disgracing error you have listed. I am writing to have you delete it immediately. 

By the provisions of the Fair Credit Reporting Act, I am writing to request that the following inaccurate item be immediately investigated and corrected on my credit report in order to show my true credit history. Fair Credit Reporting Act requires that bureaus report only accurate credit information, therefore every step must be taken to assure the information reported is completely accurate and correct. According to the Fair Credit Reporting Act, I expect you to complete this verification within 30 days. 

This is an Open account that is inaccurate. There was never an agreement nor can this claim be verified. This derogatory mark is holding me back from buying a home. Being that my credit is very important to me, I Am willing to meet you at a half point with a payment. Only if you can guarantee a FULL DELETION of this error on my report. I also request that you provide me an Update of my Credit Report due to your deletion of this error. 

Please be advised that under Section 611 ( 5 ( a of the FCRA- you are required to. " promptly delete all information which can not be verified ''
Consumer complaint received 2022-04-13
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. (CA)

XXXX XXXX Item : XXXX Account # XXXX The amount {$730.00} I just looked at my credit report and was shocked to see this disgracing error you have listed. I am writing to have you delete it immediately. 

By the provisions of the Fair Credit Reporting Act, I am writing to request that the following inaccurate item be immediately investigated and corrected on my credit report in order to show my true credit history. Fair Credit Reporting Act requires that bureaus report only accurate credit information, therefore every step must be taken to assure the information reported is completely accurate and correct. According to the Fair Credit Reporting Act, I expect you to complete this verification within 30 days. 

This is an Open account that is inaccurate. There was never an agreement nor can this claim be verified. This derogatory mark is holding me back from buying a home. Being that my credit is very important to me, I Am willing to meet you at a half point with a payment. Only if you can guarantee a FULL DELETION of this error on my report. I also request that you provide me an Update of my Credit Report due to your deletion of this error. Please be advised that under Section 611 ( 5 ( a of the FCRA- y
ou are required to. " promptly delete all information which can not be verified ''
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Mercedes Benz Financial Services (CA)

2 problems : -Account is too old to be reported its been more than seven years since the car was voluntarily surrendered. It was brought to the dealership in XXXX XXXX California in XX/XX/2017. It is now more than seven years since the car was surrendered. 



-Account was never repossessed it was voluntarily surrendered, However company keeps sending erroneous information to XXXX XXXX which is otherwise. Also, as I stated before account is too old to be reported, its been more than seven years since the car was surrendered by me.
Consumer complaint received 2022-09-28
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. (AZ)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
2. Identity Theft XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
3. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX 4 . The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: U.S. BANCORP (FL)

I refinanced my house to convert my home equity line of credit into a fixed rate mortgage. US Bank financed my home equity line of credit and requested home insurance information. I contacted my home insurance company and they provided the information to US Bank. US Bank claims they did not receive this information so I submitted via another portal. In the meantime my mortgage closed, was funded and the home equity line was paid off. US Bank applied a fee for home insurance to my account 2 days before recognizing the full funding/repayment of the home equity line. They now show an exorbitant amount due to them for home insurance they applied plus interest that is precluding my account closing even though they are no longer the lien holder. I have spent many hour on hold trying to resolve this with them and have yet to come to resolution.
Consumer complaint received 2022-04-13
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. (CT)

In accordance with the Fair Credit Reporting Act 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  Has violated my Rights 15 U.S.C section 602 A States I have a 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 2022-04-13
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. (GA)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without m
y written instructions
Consumer complaint received 2022-04-13
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP (TX)

My issue with date back on XXXX XXXX, 2021 when I found my card had gotten hacked and fraudulent activities had happened with a total amount {$4400.00} stolen from account. I filed a dispute the first time and they denied and the second I filed even with a police report stating that fraudulent activities happened to my card plus giving example of time frames I live and where the transaction where happening are two hours and thirty minutes away. Theres no way I could have been there and within the three minutes apart with using my card and have done that. I also have documents stating that I can not leave the county or state and these activities happened outside my county and state. They still are denying me still to these date and they can not reveal to me what the issue of why. Ive been patient and some supervisors have given me false information as if they were poorly trained. It doesnt look good!
Consumer complaint received 2022-04-12
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (TX)

XXXX has a XXXX accounts under my name XXXX XXXX XXXX ending in XXXX, and XXXX. 
I paid off both balances in Full and called to close both accounts. The store where I opened the account in XXXX, Washington, downtown, XXXX on XXXX XXXX zip code XXXX, went under in XXXX and that is why I wish to close both accounts. I am not sure if my phone is being monitored through AT & T, phone number ( XXXX ) XXXX but the call did not feel secure and I feel uncertain that both accounts will be closed. I closed the account by phone today XX/XX/XXXX with a woman named XXXX it was not automated, the call felt like a third party a scam XXXX and not a real Macy 's respresentative. 
Can the Consumer Financial Protection Bureau make sure the account is closed. And that there are no accounts listed under my name XXXX XXXX. I feel discriminated that Macy 's allowed someone to use my name and take over the original account ending in XXXX. I experienced alot of XXXX profiling and discrimination at The Macy 's XXXX XXXX XXXX in XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, California XXXX, Store XXXX at the time of disruption XXXX XXXX. 

Sincerely, XXXX XXXX My address is XXXX XXXX XXXX XXXX XXXX, TEXAS XXXX e-mail XXXX ( XXXX ) XXXX, my old phone number was ( XXXX ) XXXX
Consumer complaint received 2022-04-12
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. (NV)

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

If the following items are not removed in 4 business days TransUnion will be in direct violation of 15 U.S. Code 1681c-2.

I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ). 


Fraudulent account : XXXX XXXX XXXX ( Account Number : XXXX ). Fraudulent inquiries : XXXX  ( Date : XX/XX/XXXX ), XXXX ( Date : XX/XX/XXXX ), XXXX XXXX XXXX Date : XX/XX/XXXX ).