davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-14
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY (CA)

I am sure that what I am describing you already know about it. I have made a complaint in XXXX regarding the fraudulent activity from Wells Fargo Home Mortgage and nothing was done. I am convince that nothing will be done this time either. However, I would like to make sure that I document everything that CFPB is not doing to protect the homeowners. 

Wells Fargo has been on the new one too many time and despite that we ask for help the millions of dollars in fines for breaching their contracts or agreements continues allowing WELLS FARGO HOME MORTGAGE TO CONTINUE DEFRAUDING THE CONSUMER. 

Wells fargo has done everything to take my house today XX/XX/XXXXmy house was sold in auction. It is very sad and frustrating to be feeling powerless because not even a government agency can take down a corruptible institution. The robo signing continues to this day, the false affidavits continue, the overcharges continue and the loan modification were denied despite the homeowner can afford the payment, but the house had equity and the banks wants that equity. I am requesting the assistance of the CFPB to sit down with me and WELLS FARGO HOME MORTGAGE. I would like XXXX to lie in front of you when I take one letter after another of how they have overcharge as they wish and how my loan modification were wrongfully denied. How they blame the use of the TREASURY FORMULA as the responsible party for denying the loan modifications and since it was a complex formula nobody new really how to explain it so do n't even bother asking a question. The investor was WELLS FARGO BANK AND MY LOAN WAS A PICK A PAYMENT LOAN. WELLS FARGO DURING THE MERGER WITH XXXX PROMISED TO ASSIST HOME OWNERS WITH PICK A PAYMENT LOANS. MY LOAN WAS ONLY XXXX DOLLARS AND THE VALUE OF MY HOME WAS XXXX WHEN I REFINANCE IT. THE LENDER KNEW i HAD EQUITY ON MY HOUSE AND THIS IS THE REASON WHY THEY DID NOT WANT TO PROVIDE ME A LOAN MODIFICATION. FOR THE FIRST 4 YEARS THE WFHM DID ABSOLUTELY NOTHING TO PREVENT FURTHER DEFAULT. THEY WOULD NOT WANT TO ACCEPT MY MONEY OR RE-PAYMENT PLAN. 
ALL THEY WANTED WAS INCREASE THEIR COOKIE FEES OVER CHARGES ON EVERYTHING AND REFUSED TO ASSIST ME WITH A LOAN MODIFICATION. THE EXECUTIVE OFFICE IS AS CORRUPT AS EVERY OTHER DEPARTMENT OF THAT LENDING INSTITUTION. I WONDER WHERE DOES ALL THE MILLIONS OF DOLLARS THE CFPB goes because we as consumers are not seeing any change on the way XXXX conducts business and as a consumer I am not seeing any benefit either. 

I am asking for a full review of my loan modification or the record keeping of my house, loan modification denials and false documentation recorded. I would like to be part of a meeting with wells fargo as well.
Consumer complaint received 2022-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WI)

I continue to see unverified and erroneous accounts listed on my credit profile. I have repeatedly asked for an investigation into this accounts as well as verification of these accounts and have yet to get a response or receive written, signed documentation that these alleged accounts are mine. I do not recall opening the accounts and they continue to be reported on my credit profile.
Consumer complaint received 2021-07-20
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I would like to dispute certain information in my file which I believe is possibly Identity theft. This account was opened fraudulently therefore I am a victim of identity theft. The account was opened without my knowledge, consent, or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. This is a strict violation of FCRA Section 605b. Experian needs to remove the account from my file. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-22
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (SC)

I XXXX XXXX entered into a consumer credit transaction with Nissan Motor Acceptance Co. on XX/XX/2017. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge is suppose to include insurance, but Nissan Motor Acceptance Co. made me purchase insurance separately. These are clear violations of my consumers right which makes this contract void. This caused me a lot of stress on me with negative remarks on my consumer report and I need this resolved ASAP.
Consumer complaint received 2021-01-07
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. (CA)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. U S Dept Of Ed/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. U S Dept Of Ed/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. U S Dept Of EdXXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. U S Dept Of Ed/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XX/XX/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XX/XX/XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.
Consumer complaint received 2017-09-14
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: Bread Financial Holdings, Inc. (FL)

XXXX XXXX, XXXX XXXX Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX/XXXX/XXXX XXXX : Unauthorized Credit Inquiry To Whom It May Concern : I recently received a copy of my credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 

If you find that I am remiss, and you do have my authorization to inquire into my credit report, then please send me proof of this. Otherwise, please note that I am reserving the right to take civil action if necessary.
Consumer complaint received 2018-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK (MA)

My Discover It was issued with a very small credit line of {$1500.00} compared to my regular Discover Card with a $ XXXX.I have a excellent credit rating and a FICO score above 820.The Discover It was received with a promotion to double the accrued points ( miles ) on the anniversary date.I received this card on XX/XX/2018 and have been limited by the very low credit line.I tried to make a payment today of {$1500.00} but was denied because the payment went over by $ 33.00.Discover is keeping my credit line low to discourage me from any spending with this card.
Consumer complaint received 2020-09-09
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On XX/XX/XXXX I sent a letter to all three bureaus reporting inaccurate and unknown things on my credit report but to this day nearly two months later I have not received a response yet. I was told maybe you can help me. It's three different bureaus and the fact that none of them even took the time to respond to me makes me feel like I'm being taken advantage of and basically ignored. Section 511 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It's  currently XXXX so I ask that they please go ahead and delete those items. I demand these accounts be deleted immediately or I will file for litigation due to the blatant neglect you all have shown me. My information was also impacted by the XXXX data beach which caused some of my information to possibly get into the wrong hands. So this current neglect is only adding fuel to the fire. Please remove these items immediately
Consumer complaint received 2022-03-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

-Fedloan is very difficult to get ahold of. It took weeks for a call back. Very long wait times over the phone. I am continuously given false or inconsistent information. 

On XX/XX/22, I spoke with a representative from Fedloan regarding the limited PSLF waiver. Given that I had loans with different payment counts, due to previous FFEL loans that were later consolidated, it was recommended by the representative to consolidate all of my loans in order to get the highest payment count applied to all loans. I submitted a request to consolidate my loans. 

On XX/XX/22, I received a letter from Fedloan about the requested consolidation. At the end of the letter, it stated that I would need to make another 120 qualifying payments on my new consolidation loan. 

On XX/XX/22, I received a letter from Fedloan that they had completed a review of my eligible and qualifying payment counts in your pursuit of ( PSLF ). They confirmed that my payment count was accurate and the matter closed. This is false information. According to my account, I have ZERO eligible payments for PSLF.

Before the consolidation, I had 96 eligible payments and 15 ineligible payments. I continue to have concerns regarding the ineligible payments and had previously requested a review.
Consumer complaint received 2017-09-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX XXXX, 2017, I filed a claim with Bank of America because I had unauthorized charges on my account.

I explained to the representative that I had been using a temporary debit card ( issued by Bank of America ) until my permanent debit card arrived in the mail. On the day that I received the permanent debit card, I also received a letter from Bank of America with my PIN number enclosed.

I was n't aware that the temporary card would still be active after I activated the permanent card. So, I tossed the letter and the temporary card into the trash.

I later realized the false charges.

So, when I called, I was given a temporary credit-on XXXX XXXX, 2017. 
Today, I received an email that stated the credit is being reversed because the thief only swiped my card one time and did n't attempt to steal more! How ridiculous!
Consumer complaint received 2022-04-06
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: EQUIFAX, INC. (CA)

this was not sent in error i am a consumer by law and my informaton was misused and now i have some false not 100 % accurate accounts on my credit report. Unauthorized use of my credit report.
Consumer complaint received 2021-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Colony Brands, Inc. (CA)

XXXX XXXX is reporting an account on my file that needs to be removed! I have been disputing this account for months. I paid the balance on this account months ago but they continue to report a balance!! Reporting inaccurate information on a credit report can be considered fraud under both federal and state laws. This needs to be removed from my file.
Consumer complaint received 2018-09-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

The Lender did not notify us or our homeowners association of the hearing on XX/XX/2018. Subsequently on XX/XX/2018 we filed a motion to vacate and met with the Court MAGISTRATE whom granted us the motion and the lender attorney admitted that we were never notified.

We submitted a complete modification package to the lender on XX/XX/2018 at XXXX XXXX However. The Servicer refused to provide information and provide us the legal contacting information to proceed.

On XX/XX/2018 at XXXX XXXX we faxed a completed package to the legal office and we did the first follow up XX/XX/2018 at XXXX XXXX XXXX and we were told that a completed package was received and was being reviewed with no questions at the moment to follow up in 48 hours ; we did several attempts contacting the legal offices to follow up and I was unable to speak with their loss mitigation department, I wrote an email on XX/XX/2018 at XXXX XXXX The same day at XXXX XXXX we received the denial response due to : 1. The complete retention package was not received ( we have faxed completed package to the lender and the legal office with fax confirmation receipt ) 2. More than 37 days before the scheduled foreclosure sale ( we dont have a sale foreclosure sale scheduled )
Consumer complaint received 2018-09-27
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: FORD MOTOR CREDIT CO. (VA)

Back in XX/XX/XXXX I purchased an XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX. My husband was on the loan as co-applicant.

Back in XX/XX/XXXX I received a call while living in an efficiency from a lady saying that if I did not tell them where they could locate the car she would have me arrested by the sheriff.

The truck was not running, we where in the process of moving and she put fear in me.

I knew we had missed a payment but she be at told us all we had to was make the o e pay me t. We let them take car, and the next day in the mail we received a letter stating we needed to make one payment.

They sold the car asap and turned our account over to collection.

For 15 years we have been sued and taken to court regardi g this matter. We are being charged daily interest and feel we have paid this debt off years ago. But they keep telling XXXX. XXXX, XXXX XXXX XXXX the collection agency at XXXX XXXX XXXX XXXX, Va to continue to collect this old debt. They would car ish my husband 's wages if we did not pay ourselves.

We have had to file bankruptcy twice due to this issue. Been to court and told the judge years ago we had no funds to raise our family and continue to pay thousands of dollars on this account. But yet I am now still paying out of my social security check due to a separation. We can not afford to keep paying for a truck we no longer have. It has been paid in FULL we feel two times over.
Consumer complaint received 2017-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

As per guidance from my bankruptcy attorney, I sent a letter request to TransUnion on XXXX XXXX, 2017 requesting my free copy of my credit report. Along with the letter, i included a copy of my drivers license and my social security card. 
I received a letter back from TransUnion stating that my request couldnt be processed because they need proof of current mailing address. I provided my driver license which has my mailing address and is listed on their letter as an acceptable form of proof of address, on the reverse side of this letter is a form to fill out which includes payment ( visa, mc, etc. ) Therefore they are refusing to fill my request because they want payment?? 
I called Transunion today and spoke to a representative XXXX who said he had my credit report up in front of him and that i can go to the website and request the copy. i do not wish to submit my personal information ( including ss # ) on their wensite. I am entitled to a free report. 
This is a scam as transunion is only looking for customers to pay for their credit report even if they are entitled to one per year for free. 
Very disappointed and untrustworthy. very unfair business practices. 
Please assist.
Consumer complaint received 2017-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have been disputing a credit card that is reporting on my credit reports. Bank of America is the bank. XXXX has finally removed this account off my credit report However XXXX and XXXX are still reporting it. I keep disputing it and I keep getting the results of the investigation are that the account has been verified as mine. I just put this dispute in with XXXX again 3 days ago and they got the results of the investigation within 3 days? Unheard of. I was always told I have to allow 30  days for the investigation I also explained in my dispute that XXXX has responded to delete the account and XXXX and XXXX should be receiving the same response. I spoke with corporate office supervisor and explained that I did not make these purchases. I received a call back from corporate office a week and a half later and was told because it 's fraudulent charges they will send me paperwork to fill out and return which I did. Finally XXXX removed it but XXXX and XXXX are not doing a thing about this and my credit score is being ruined
Consumer complaint received 2021-07-20
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. (MI)

I have disputed public filings on my credit report from XX/XX/2021 up until now, XX/XX/2021 with XXXX, Transunion and XXXX. I have been given the run around as to who verified or added this information to my profile with XXXX. Transunion and XXXX  have not even responded to any of my dispute letters. XXXX  has not shared any of that information even after reaching out to courts myself and finding out they did not report such information to my credit.
Consumer complaint received 2021-07-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Credit Karma (PA)

On XX/XX/14 my card was locked by credit karma due to suspicious activity I confirmed my identity and was told my card was free to use but it wasnt useable they then asked for my Id and a bank statement which I gave them the same day and they still have my account frozen Ive called every day at least 5 times a day only for them to tell me there department is not capable of handling the issue and to look out for an email. There is XXXX locked on the card. I even asked if they could close the account and mail me money to which they told me Id receive an email to close the account and I still have not receive that email or any email for that matter.
Consumer complaint received 2017-09-14
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)

Equifax had its systems hit by a cyberattack that effected millions of people. According to their website my personal information may have been compromised. After learning this I tried to request my annual free credit report from them but the page froze, crashed my browser, and when I tried to do it again Equifax would not let me access.
Consumer complaint received 2024-02-01
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: Experian Information Solutions Inc. (CA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-03-26
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MO)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of 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 negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.