davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo Racket : I deferred my mortgage during Covid. When I confirmed multiple times that there were no fees or interest involved, the bank said I qualified for putting the deferred amount to the end of my loan. I had to fight for the said agreement as when it came time they tried to refinance me and did not want to give me the agreed upon terms. This took many calls and many hours to finally get legal paperwork to turn that amount into its own loan with no fees or penalties. The term says I have until the year XXXX to repay. I came into some money and have tried to pay my primary mortgage balance off. I have tried to pay my mortgage off for about two months and again with many calls and hours of conversation. The bank denies me paying off. Took my money and placed it into escrow ( even though it was designated as principle ) and continues to charge me mortgage insurance and interest. This has been going on for a long time and I feel it is a racket being run by Wells Fargo as no one has the answer to why I can not pay of my original balance only to say that there is another balance associated with it but they don't show it available to pay either. There is no account for it, even to make a payment. Just that the balance is there. I have legal paperwork for this loan. This is costing me monthly and is absurd. I have spent more than 20 hours in phone calls and make calls weekly. They refuse to zero my original loan balance in order to continue to collect any amount of interest and mortgage insurance still being charge. I'm sure that other people have been taken by this situation, if they even cared to fight this far.
Consumer complaint received 2018-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN HONDA FINANCE CORP (TX)

On XX/XX/XXXX, I received an email from American Honda Financial about a pending loan application. I became alarmed and clicked on the link and was advised to click on another link if I DID NOT authorize the app. I did that, but nothing happened. On this morning, I was alerted by XXXX that my report has been pulled for Honda Financial. I did not authorize this and I do not want this inquiry on my credit.
Consumer complaint received 2018-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/XXXX i checked my credit report and all my inquires were deleted, I logged in today and all the items have returned and my credit score went down.
Consumer complaint received 2020-01-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SUNTRUST BANKS, INC. (GA)

On XX/XX/2019, an unauthorized purchase was made using my joint checking SunTrust Checking Debit Card account with on XXXX. An XXXX Laptop was purchased in the amount of {$1600.00}. Subsequently, my rent bounced in my account due to insufficient funds resulting from this purchase. I have appealed to both XXXX and SunTrust concerning this purchase. I am unable to get any details concerning where the item was shipped or who received the item, although XXXX did indicate that an unauthorized party used the card. I have filed a police report in XXXX County ( XXXX XXXX ), and the XXXX account has been closed. 

I spoke with SunTrust Fraud Assistance Center concerning this matter and my claim was denied. I am not in possession of this laptop and need the amount fraudulent taken from my account returned to pay my rent and support my family.
Consumer complaint received 2022-11-18
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. (NC)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

U S DEPT OF EDXXXX XXXX XXXX U S DEPT OF ED/XX/XX/XXXX XXXX U S DEPT OF ED/XX/XX/XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-03
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. (MS)

This is attempt # 3 that includes new and updated information regarding the improper use of my credit report. I have reviewed the original alleged contract and have found several discrepancies that include some of the following : 1 ) XXXX XXXX Services does not have written or verbal consent to report to any consumer reporting agencies. This is a violation of my privacy. 18 U.S. Code 1028A ( a ) ( 1 ) 2 ) XXXX illegally and knowingly collected a down payment amount of XXXX while also collecting financing for the alleged contract agreement. 15 U.S. Code 1605 ( a ) 3 ) Reporting my account as " paid by insurance '' on my credit file as ANY mention of me having insurance is in violation of 15 U.S. Code 1681a ( i ) ( 2 ) 4 ) The alleged contract agreement has several financial discrepancies which includes miscalculation of total charges and payment amounts. 

I am attaching the portion of the phone conversation where the XXXX representative made a motion to resolve this issue. I am requesting the following remedies : 1 ) deletion of this credit account from all of my credit files. 

2 ) a letter confirming the deletion of this account from all credit reporting agencies. 

3 ) Reimbursement of fees which shall include the down payment, late payment fees, recalculation of accurate finance charge, and any fees to remedy for pain and suffering. 
-Two separate payments must be provided to account for the illegal and predatory acts taken against my wife and myself.
Consumer complaint received 2022-05-03
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. (MS)

This is attempt # 3 that includes new and updated information regarding the improper use of my credit report. I have reviewed the original alleged contract and have found several discrepancies that include some of the following : 1 ) XXXX XXXX XXXX  does not have written or verbal consent to report to any consumer reporting agencies. This is a violation of my privacy. 18 U.S. Code 1028A ( a ) ( 1 ) 2 ) XXXX illegally and knowingly collected a down payment amount of XXXX while also collecting financing for the alleged contract agreement. 15 U.S. Code 1605 ( a ) 3 ) Reporting my account as " paid by insurance '' on my credit file as ANY mention of me having insurance is in violation of 15 U.S. Code 1681a ( i ) ( 2 ) 4 ) The alleged contract agreement has several financial discrepancies which includes miscalculation of total charges and payment amounts. 

I am attaching the portion of the phone conversation where the XXXX representative made a motion to resolve this issue. I am requesting the following remedies : 1 ) deletion of this credit account from all of my credit files. 

2 ) a letter confirming the deletion of this account from all credit reporting agencies. 

3 ) Reimbursement of fees which shall include the down payment, late payment fees, recalculation of accurate finance charge, and any fees to remedy for pain and suffering. 
-Two separate payments must be provided to account for the illegal and predatory acts taken against my wife and myself.
Consumer complaint received 2018-07-29
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. (FL)

I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to promptly delete all information which can not be verified. that i have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2022-05-03
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)

Upon reviewing my updates, the incorrect information were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax, and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : 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 2020-07-24
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CURO Intermediate Holdings (LA)

I got an email last night stating that if they dont hear from me in 48 hours, they were going to take legal action towards me. In the email they stated that the XXXX XXXX XXXX XXXX HAS STATED 4 SERIOUS ALLEGATIONS AGAINST YOU AND THEY ARE : ( 1 )  VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION ( 4 ) ELECTRONIC FUND TRANSFER. 
They stated that they have all right to report to the FTC, my employer and bank about the fraud. I sent this email to my bankruptcy lawyer and Speedy cash was discharged.
Consumer complaint received 2018-03-08
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSWORLD SYSTEMS INC (TX)

Hi, I had submitted a complaint before, and I did not have much information either. But I now know that the owner of the loan is XXXX University, but the servicer is XXXX  XXXX XXXX ( " XXXX '' ). My Perkins loans is showing as defaulted in the National Student Loan Database System ( " NSLDS '' ). I have called them multiple times to get this corrected, and each time they say that they submitted a  work order, but after 3 years of me fighting this, it is still showing as default. The loan is paid in full, and this is always causing issues when I request financial aid with my current university. I do not have any contact information for XXXX, but XXXX contact information is : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX. 
XXXX
Consumer complaint received 2022-11-18
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXXXXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX XXXX XXXXXXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-06-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: JPMORGAN CHASE & CO. (CA)

Chase Bank WILL NOT REVEAL WHY they do NOT give auto loans ( or refinancing of auto loans! ) for vehicles that have OVER 75,000 miles. The " Auto Finance Department '' referred me to the Chase " Executive Office '' on this issue. The " Chase Executive Office '' referred me BACK TO THE AUTO FINANCE DEPARTMENT! 

I demand to know WHY this XXXX miles on a used vehicle is a " disqualifying criteria '' for an auto loan, and WHO AT CHASE made this arbitrary decision! 

I will NOT ACCEPT the " runaround '' on this issue!
Consumer complaint received 2022-05-03
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. (FL)

In accordance with the Fair Credit Protection Act XXXXt account # XXXX. XXXXXXXX XXXX  XXXX XXXX Account Number XXXX, XXXX. XXXX XXXXXXXX XXXX  Account Number XXXX, XXXX. XXXX Account Number XXXX, XXXX XXXX XXXX XXXX Account Number XXXX XXXX. XXXX XXXX Account XXXX XXXX XXXX. XXXX 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Upon reviewing my updates, the incorrect information were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax, and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : OFFICE OF THE ATTY XXXX XXXX Balance {$12000.00} ; ATTORNEY GENERALXXXX XXXX Balance {$8300.00} ; XXXX  CHILD SUPPORT ENFORE XXXXX Balance {$8000.00}
Consumer complaint received 2018-08-01
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ERC (FL)

This doesn't give me an option to select multiple issues with this company. For one thing, I do not know what this debt is and I've disputed it and asked them to not call me. I've also written a formal letter about the debt. I decided to answer a call last night from an unknown number that happened to be them calling again. Upon answering the phone, I had to say hello repeatedly because no one answered. Finally, when someone decided to answer they said, " Are you okay? " ... HM, that's strange, you called me ... decided not to say anything for a good 10 seconds and you're asking if I'm okay? After that little conversation the girl, who claimed to be XXXX, wouldn't stop arguing with me and raising her voice. I tried multiple times to get the company name, where they are based out of, a different phone number, her full name, why they won't stop calling, among other questions during this conversation. XXXX, only wanted to tell me her first name and the company name, ERC. She provided no other information and tried to dispute the FACT that they won't stop calling me. This is unbelievable and these people NEED to stop calling me before I get a lawyer involved.
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Upon reviewing my updates, the incorrect information were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX, and TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : OFFICE OF THE ATTY GEN XXXX Balance {$12000.00} ; ATTORNEY GENERALXXXX XXXX Balance {$8300.00} ; XXXX  CHILD SUPPORT ENFORE XXXXX Balance {$8000.00}
Consumer complaint received 2018-02-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I have contacted Capital One and they no longer have record of the debt. They even sent a letter asking me to give them information on my account. 

Spoke with XXXX at ( XXXX ) XXXXand she says that the company no longer has my accounts and can't give me any more information or proof.
Consumer complaint received 2018-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Hello, I had two late payments on my Capital One Buy Power Card back in XX/XX/XXXX when I was going through some financial difficulty. I made the payments as fast as I could, within 60 days. These two late  payments are now hurting my credit when I apply for a mortgage. I called the company and spoke with a manager but they are being unreasonable and will not help me with a goodwill adjustment on my credit report. I have made on-time payments ever since XX/XX/XXXX and I recently paid my balance in full. Please help me remove these two late payments from XX/XX/XXXX and XX/XX/XXXX. 

Thank you! 

XXXX
Consumer complaint received 2018-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have disputed the late payment status reported on the account XXXX XXXX XXXX XXXX  XXXX with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP
Consumer complaint received 2023-04-04
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: U.S. BANCORP (NY)

As of XX/XX/2023 I have noticed fraudulent accounts and inquiries on my credit and consumer reports and other consumer reporting agencies. These fraudulent accounts must be removed permanently and indefinitely in my ftc reports its listed incorrect names addresses and employment this is grounds for removal!!! 

FAIR CARES ACT DISPUTE Law 15 U.S.C. 1681-1681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority.
Consumer complaint received 2022-05-03
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. (MI)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Acct # XXXX, XXXX & XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Dept of ED/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.
Consumer complaint received 2022-01-19
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. (NY)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.