davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: WELLS FARGO & COMPANY (FL)

I requested a personal loan for 100,000 thousand dollars from Wells Fargo branch ( XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ) on XX/XX/2022. Personally, I have close to 300,000 dollars in a portfolio account with Wells Fargo. I requested the financial advisers/loan customer service representatives to speak XXXX since I feel more comfortable speaking my native tongue. All the details of the loan notes were written clearly by XXXX XXXX XXXX relationship banker of Wells Fargo Bank, XXXX XXXX. I believe a few days later, I was contacted by white financial advisers from Wells Fargo regarding my loan application, I requested to speak to a XXXX speaker representative/translator my request was denied. Again, the white financial advisers in condescending manner ask the same questions that XXXX XXXX XXXX ( relationship banker ) already explain in detail in his notes sent to the loan/financial adviser department. I told them I felt discriminated and I needed a XXXX speaker representative or translator and I was totally ignore. I open up an internal investigation with Wells Fargo regarding this issue and I told them I felt discriminated based on my race, ethnicity as well as language. On XX/XX/XXXX, a Wells Fargo representative called me that my personal loan was denied because of the amount and I told them how so if I have close to 300, 000 dollars in the account and Wells Fargo can use that as collateral/secured loan. I know I was discriminated for my race, ethnicity and language barrier and I want a full investigation in Wells Fargo practices towards mortgage, personal and business lending to XXXX individuals and other minorities period. I know deep in my heart if I would have been a XXXX  man asking for a personal loan for the same amount of money that I ask, I would have been approve in the spot. We are in the year 2022, but ethnic minorities like XXXX and XXXXAmericans continue to encounter open gestures of XXXX discrimination, denials of mortgage, personal and business loans even do we may have outstanding credit scores or portfolio accounts than a regular XXXX  person. I need this investigation to start asap and go to the highest levels, so other minorities do not have to go through what I went through. One thing for sure, Wells Fargo lost a loyal customer of over 20 years and I will tell my family members, friends and relatives to close their accounts in Wells Fargo and open them in banks that really value minorities as customers. It is imperative that these illegalXXXXdiscriminatory practices in mortgage, personal and business loans stop immediately at Wells Fargo towards minority groups such as XXXX and XXXX American customers. Also, I will definitely consider legal actions towards Wells Fargo, because enough is enough and wrong is wrong no matter who does it.
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I applied for a mortgage loan. The bank checked my credit report with Experian. Then I started receiving numerous calls from mortgage companies soliciting my business. The only explanation is that Experian shared my phone number with these companies. This must stop.
Consumer complaint received 2022-03-04
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. (TX)

It is easier for Experian to ignore all my complaints instead of doing a proper investigation or hust asking XXXX  if they are reporting properly. I requested Experian send a VALID copy of a permissible permission that could be justified to access my credit report on XX/XX/2017 for XXXX XXXX XXXX XXXX ( XXXX  ). Experian dodges liability by refusing to PROPERLY investigate. XXXX  didnt have permissible and plays games to make it go away. Experian asks XXXX  if they did what is right and they say yes. It is time for Experian to do business as the caretaker of my personal information, investigate, and get a copy of the permissible permission. It doesnt exist and led to a fraud loan.
Consumer complaint received 2018-12-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (NY)

XXXX XXXX XXXX, is reporting on my credit in collections. According to the credit bureaus and on XXXX XXXX they have been making fraudulent payments on this account for {$1.00} randomly from time to time. These are payments Im not making. What they are doing is illegal and i know my rights. I called and asked for debt verification and a representative that was rude and nasty refused to send me proof this debt is mine.
Consumer complaint received 2020-12-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (FL)

Upon reviewing my credit report I noticed a debt from a company that I have no knowledge of. I didn't receive any documentation verifying this debt or anything of the sort. I am not aware of this account and would like it removed because I didn't receive a right to dispute or written notification.
Consumer complaint received 2021-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Continental Finance Company, LLC (GA)

XX/XX/2021 I was advised by XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Card that my payment was returned. The representative over the phone provided me with the wrong information she informed me to pay {$150.00}. Then informed me my card would be reinstated to use again. However, That was not the case then I was advised on XX/XX/2021 that I can make the payment on my XXXX XXXX. Then on XX/XX/2021 the associate informed me that I could pay over the phone with her however and I did not have to pay the fee. I called today to confirm the information and the supervisor refused to accept the payment. I informed him I wanted to close my account today based on the poor customer service.
Consumer complaint received 2020-07-28
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

This company calls, disconnects when I answer, when I call the number back there is a recording that says they are a debt collector. When I speak to a representative, they ask for personal information from me, but refuse to provide any valid proof that they are legally licensed to operate in my state. They have called me over 100 times since XX/XX/2020, yet have never once disclosed what debt they are trying to collect.
Consumer complaint received 2022-03-04
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. (NJ)

I, XXXX : XXXX, am a federally protected consumer and living being, submitting this complaint against Experian without any influence from any third party or agency. I advise you to see the attached documentation as it contains my full complaint and demands. On XX/XX/2022 I mailed a dispute letter to Experian to remove Bankruptcy Ref # XXXX from my consumer report. On XX/XX/2022 Experian received my letter, as confirmed with the attached return receipt. On XX/XX/2022 Experian claimed to have done an investigation ( Report # XXXX ) and that the " company that reported the information certified to Experian that the information is accurate ''. This is fraud because US BANKRUPTCY COURT XXXX XXXXXXXX does not furnish this information to CRA 's, including but not limited to the 3 major reporting agencies and the minors such as XXXX XXXX, XXXX  and the likes. It is not within the policies or obligations of the US BANKRUPTCY COURT XXXX XXXX to validate any public records. This violates my right to privacy and permissible purposes 15 U.S.C 1681b ( a ) ( 2 ) because I did not give Experian or any other credit reporting agencies permission or consent to furnish this information to my consumer report. If Experian actually conducted an investigative consumer report then I demand they provide me with the disclosures pursuant to 15 USC 1681d.
Consumer complaint received 2022-03-04
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. (MI)

Despite XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. Equifax, XXXX XXXX, and XXXX have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. This is the second attempt to get the requested information from the XXXX letters sent to Equifax. PLEASE SEND THE REQUESTED INFORMATION OR DELETE THIS ACCOUNT FROM MY NAME/ CREDIT REPORT.
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I am demanding that the credit reporting agencies stop reporting the account XXXX XXXX for inaccuracy - the payment history is inconsistent, different account numbers are being reported XXXX, XXXX, and XXXX. How is this accurate when all data furnished should be the same? Why are there different account numbers for the same account and why are there are a variation of different late payments reporting? I also contacted the original creditor, and they could not verify that this account is reporting accurately. There are many violations that I am willing to take to civil court and seek {$1000.00} per violation if this account is not immediately removed from my credit report. I have already sent letters months ago so I am requesting that this is deleted within 15 days, or I will be moving forward with contacting the registered agent and filing litigation. Please see the attached letters that were sent to the credit reporting agencies and the creditor XXXX XXXX which are dated, and time stamped.
Consumer complaint received 2022-06-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RMS-Recovery Management Services, Inc. (AZ)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2022-04-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (TX)

I have reached out to Experian, XXXX and XXXX via certified mail on the following dates : XX/XX/2021, XX/XX/2021 and XX/XX/2021 for VALIDATION and not verification of debt reporting to all three credit bureaus as charge off. I have NEVER received validation of this debt. The following accounts were : XXXX XXXX XXXX XXXX ( two charge off accounts ) and Department of EducationXXXX. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt. I have also requested resources on how they VALIDATED the debt and NOT verified. The amounts reporting to my credit continues to increases with different reported dates. As of todays date I gave not received a response regarding my certified mailed letters.The information they are reporting on my report is not valid and I demand for it to be deleted off of my report immediately.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

In accordance with the Fair Credit Reporting act XXXX XXXX acct # 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 2018-12-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I open 3 accounts 5 years ago within Bank of America in XXXX. All three are under my business name : XXXX XXXX XXXX XXXX, XXXX. One of the account is being used for ACH. I explained to the officer when I was opening the account that it is because part of my business involved wire transfer. Each year, they made me file out the forms related to XXXX and I always provided the documentations required on time. If something is wrong, I called to inquire info and fixed the problem. In XX/XX/2018, I submitted all the document, and last month, on XX/XX/XXXX, they sent me a letter telling, that all my accounts will be closed in 80 days. This is a business decision. 
For the last 5 years, I have been a loyal customer, never have a NSF or a check return. I would like to know why Bank of America decided to take that business decision which is jeopardizing my business. Tax season is coming, I already provided all my bank information to the Clearing House. I would like someone to intervene and reverse this decision. Thank you.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

In accordance with the Fair Credit Reporting act XXXX Account 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 2022-06-18
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. (LA)

XXXX XXXX XXXX all accounts, XXXXXXXX XXXX XXXX all accountsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, and XXXX. All accounts has violated my rights according to 15usc1681 602 and 15usc1681 604a .I have a right to privacy and a consumer reporting agency can not furnish my accounts without my written instructions.
Consumer complaint received 2022-03-04
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. (WI)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-07-24
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. (AL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account number # 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 also states a consumer reporting agency can not furnish an account without my written consent.
Consumer complaint received 2022-06-18
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. (LA)

XXXX XXXX XXXX all accounts, XXXXXXXX XXXX XXXX  all accounts, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX. All accounts has violated my rights according to 15usc1681 602 and 15usc1681 604a .I have a right to privacy and a consumer reporting agency can not furnish my accounts without my written instructions.
Consumer complaint received 2018-05-15
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (PA)

For the past 9 years, my ex-husband has been paying the private Navient student loans that my mom and myself co-signed for. At time of signing in XX/XX/XXXX, my mom and myself, as well as my ex-husband, were told that as soon as they receive 12 months of on-time payments, that we can simply fill out a co-signer release form and we ( the co-signers ) would be released from the loans. After years and years of consistant payments and turning in the co-signer release form, it was rejected by Navient ( Sallie Mae ). Most time we never received it in writing, only finding out when calling them to inquire ( which usually takes 30 minutes on the phone and being transferred to multiple Navient employees. They said that paying on time alone will not allow for release ... it is ultimately up to their discretion but we never received any details involved in their review process. Both loans have been in repayment for 9 years, with total payments made being more than what the original loan was for, but after all of that time and money paid, the loan balances remaining are higher than the loans original amounts. These will never get paid off ... these are predatory loans created with the intention of never being able to pay off with tons of fees. Well, my ex-husband and I divorced in XX/XX/XXXX, and he has stopped contact with me, my mom and with Navient. Now Navient is relentlessly calling my mom and me for payments. Is there anything I can do to help this situation? Anyone that I can speak to for advice? We should have been released as cosigners many years ago, and now that my ex-husband has abandoned payment, we are now being harrassed with Navient collection calls. Please provide me with direction and what my rights are! I have spreadsheets showing all payments, downloaded from Navient, showing these paid more than original loan amount, but the balance is still higher than the original loan amount.
Consumer complaint received 2018-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXXReport and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses:XXXX XXXX XXXX XXXX XXXX , Oh XXXX, XXXX XXXX XXXX XXXX XXXX  , oh XXXX, XXXX XXXX XXXX , oh XXXX, XXXX XXXX XXXX XXXX XXXX XXXX , ohi XXXX XXXX XXXX XXXX, XXXX , oh XXXX, XXXX XXXX XXXX XXXX XXXX , ohio XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX  , ohXXXX. 
Please remove the following numbers : XXXX,XXXX,XXXX,XXXX,XXXX,XXXX,XXXX,XXXX,XXXX,XXXX
Consumer complaint received 2020-02-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Opened account Bank of America. Promised promotional monies. Never delivered even though requirements were met. Filed previous complaints and never heard a word from Bank of America and yet CFPB keeps closing the complaint. Do you work for them or me? They have done nothing but lie to me.
Consumer complaint received 2018-05-15
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have had an auto loan with Capital One for 5 years and have never been 30 days late. In XX/XX/2017, I mailed a payment at the post office that was intercepted and cashed by an individual I do not know. I was not aware of this until a month or so later when I received my next statement. Nobody at Capital One called me to notify me that I was late. As soon as I became aware I filed a police report and a report with the postal service. I also immediately sent payment to Capital One to catch up on my debt. I notified Capital One via phone and mail that this was a fraudulent event and that I had the copy of the check and police report to prove it. I sent them copies of both. After nearly a year of complaining to several people in the company, including sending certified letters to XXXX XXXX and XXXX XXXX, I have been completely ignored other than a CSR telling me there is nothing that can be done and a letter stating the same. Capital One is violating my rights as a consumer to be protected against fraud. After 5 years of making timely payments, they reported me late when they knew it was a result of fraud. As a consumer, it is nearly impossible to get this situation remedied because they refuse to allow you to have contact with anyone who has the ability to rectify the problem and send out blanket letters in response to everything. Capital One does not protect their consumers who are the victims of fraud.