davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (VA)

Home was wrongfully foreclosured on by Wells Fargo. 
I made payments, actually made over the amount due. Always have. 
May have missed payments XXXX  years ago but thought according to XXXX it was caught up. 
Every payment made was sent back to me by check in the mail! No certified letters, nothing. I didn't open so therefore haven't cashed the checks. 
First I heard was someone showed up at my door saying they purchased my house!
Consumer complaint received 2022-08-13
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. (FL)

In accordance with the Fair Credit Reporting act 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-10-13
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (NV)

On XXXX of 2021 Ally Financial submitted the automatic payment to XXXX XXXX. XXXX XXXX did not pay the EFT payment. I had the funds Available in my Account. I was not aware this issue that XXXX XXXX did not pay for the Month of XXXX. I found out in XXXX and I called Ally Financial and paid 2 months payment. 
I called XXXX XXXX and they told me that it was an error and they provided a letter to me. I forwarded this letter to Ally Financial. Ally said it will fix it with the credit Bureaus and send a copy of the letter to me state the fact that it was XXXX XXXX that made the error not paying to Ally. 
But Ally has been send me a letter 3 times that shows only that the car is paid off and the payment status is 30 & 60 day lates.
Consumer complaint received 2020-12-04
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. (IL)

Dear XXXX, Experian & XXXX  : Thank you for sending me your internal records of the debt ( XXXX XXXX XXXX XXXX Account # XXXX, however you did not VALIDATE THE DEBT. YOU DID NOT provide me a copy of ANY original documentation ( a consumer contract with my wet-ink signature on it ) or provide a valid E-Signature stating my IP Address " Session '' " Time Stamp '' and " Browser '' with the proper paper trail as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I also have provided FACTUAL EVIDENCE ( see screenshots attached ), circled the items and pointed out with arrows multiple inaccuracies reporting from ALL THREE BUREAUS including reporting payments on a CLOSED ACCOUNT & RE-AGING THE ACCOUNT ( please see attachment ) which is in violation of the FDCPA. You stated in writing that you verified that these items are being reported correctly so how could this happen? Are you being prejudice against me? I am certain you are aware that it is against the law to threaten suit without the intention of doing so. Therefore, be advised that I am very serious about filing a suit against your company. I HAVE PROVIDED MY UTILITY BILL FOR ADDRESS VERIFICATION AND ID AND SOCIAL SECURITY # Best Regard, XXXX XXXX
Consumer complaint received 2021-08-18
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2017-09-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP (MN)

A few months ago i tried to open a checking account at a major bank and was denied due to record with XXXX out of XXXX, MN. I ordered a free report from them and it shows that I am on record for " ACCOUNT ABUSE '' from US Bank. 
I HAD an account with US Bank out of the XXXX, SD branch. Around XX/XX/2015, I had an issue with a potential landlord attempting to steal money from me in the form of an uncashed deposit check for an apartment i never signed a lease for. I contacted US Bank and spoke to a Personal Banker by the name of XXXX ( Last name unknown. ) I advised XXXX of the situation and he told me that my account would be closed that day. 
Few months down the line I get a letter of account closure stating i owe over {$500.00}!! in overdraft fees from other items and automatic payments coming out of the account. XXXX NEVER closed the account like he stated he would. 

Now fast foward two years I can not open an account at a major bank due to a false record on file with XXXX furnished by US Bank. This account should have been closed per my request to XXXX which should be on record at US Bank. I do not owe this {$500.00} balance on the account. I want that deleted and I want that record removed from the XXXX database. 

This is a violation of FCRA by US Bank. They are reporting account abuse on an account they should have closed!
Consumer complaint received 2023-01-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (LA)

After reviewing my credit profile on XX/XX/2022, I identified a discrepancy with an account listed under Midland Credit Management Inc. and validation was requested on XX/XX/2022 as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2022 and the account continues to reflect on my credit report, and I have not received any correspondence from the creditor to validate this account is correctly belonging to me. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account legally and the account continues to negatively affect me. Also, XXXX is reporting a different account number form the other two credit reporting agencies. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me, and all information is correct.
Consumer complaint received 2021-10-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (AZ)

The company venmo  confiscated {$1400.00} of mine and they won't tell me why but they've had it for around 180 days. I've discussed this within numerous times and they refuse to tell me why please help me in this matter. This happened around XX/XX/XXXX and I believe it's going to be 180 days on XX/XX/XXXX. I've submitted my IDs and everything they've asked for and they still won't comply
Consumer complaint received 2020-11-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Weltman, Weinberg & Reis Co., L.P.A. (MI)

Received a document XX/XX/2020 from Weltman, Weiberg & Reis Co., LPA with looks to be a photo copy of Request and Writ For Garnishment from the court house. Does NOT state original debt or who the original debt is from. They are trying to collect a old debit that is past STATUE OF LIMITATION! This should have come from the Court House, instead it came from a 3rd Party who is trying to claim a old debit ( don't know the original creditor ). I do NOT owe this debit!
Consumer complaint received 2020-11-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Yamaha Motor Finance Corporation USA (TX)

Yamaha Financial Services has failed to provide a current and accurate statement for several months. I have called and emailed several times and they have failed to respond to my requests for statements. 

As of XX/XX/2020 my account shows the following statements : Statement Date XXXX XXXX XXXX XXXX XXXX Notices there are no statements for XXXX, XXXX, or XXXX.
Consumer complaint received 2020-11-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2020 my credit score on Experian dropped 81 points. The only changes were an inquiry for a refinance of my mortgage, and a lease for a new car after my car was a total loss in an accident. I spoke with several representatives at Experian who agree that nothing in my credit report has changed significantly, but they can not find out specifically why my credit score dropped by a huge amount. I would like to know the specific reasons and they won't inform me of anything. 

Incidentally, XXXX  and XXXX  have not lowered my scores at all. This tells me something is wrong at Experian.
Consumer complaint received 2021-09-22
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: FC HoldCo LLC (CA)

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate.
Consumer complaint received 2021-10-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (IL)

They are claiming to be collecting for XXXX XXXX. But I can not get XXXX  XXXX  to tell me how much they owe as a matter of fact the amount had just changed at the beginning of XXXX. I called for 3 days straight I called eight different representatives two of them being management and the two management ladies actually argued with each other they said one was wrong the other said the other is wrong you know they went back and forth like that then the other six agents told me different amounts that I owe and every time I contact XXXX they give me a new amount I have no idea how much I owe them and they have been allowed to drag my credit down twice I see systems has because the first time they did it they put just some off the wall amount that XXXX told them The second time XXXX updated here at the beginning of XXXX and IC systems put the new updated amount and they were able to drag my credit down again through XXXX so that's twice they've got to do that I think they need to be removed
Consumer complaint received 2020-11-16
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (VA)

APPLIED FOR LOAN, LOAN APPROVED XX/XX/2020, PAYED XXXX DEPOSIT, 3 MONTHS LATER THEY TELL ME LOAN DIDN'T GO THROUGH, CALLED AND ASKED FOR DEPOSIT, WAS TOLD NO.
Consumer complaint received 2020-04-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX this account was paid in full and lien released to XXXX XXXX and reported/updated to all three credit bureaus on XXXX XXXX, stating this account was paid in full and closed. The car I purchased had an acceleration defect in which the dealer I purchased the car from, after several attempts was unable to fix the issue ; I made a compliant to XXXX, who decided to repurchase the car under the California Lemon Law. Under this law it states that if a car is bought back by the dealer or it's manufacturer, all money paid toward the car ( down payment, car notes, repairs, car rentals etc. ) is to be refunded minus the mileage usage. I received a letter dated XX/XX/XXXX as proof of the account being paid in full and closed and lien released by XXXX XXXX, as well as the breakdown of all monies received to pay off the car and what i would receive as a refund. After a couple months XXXX XXXX reopened the account and reported that I owed XXXX, followed by another XXXX a couple of months after that totaling XXXX showing that I owe on all three credit reports. These are the two car payments that were due to be refund to me from the repurchase of the car. I do not owe this money and have disputed this inaccurate information with the credit bureaus numerous times and the company keeps reporting back that they have certified that the information is accurate and for the account to remain on my report as is. So I decided to dispute this account directly to XXXX  on XX/XX/XXXX and uploaded all the proof to verified this account was indeed paid in full/closed per the letter from XXXX XXXX. I received results today, XX/XX/XXXX stating the account status remains the same as me owing, and that the company sent certification again that this information was accurate. I asked XXXX  numerous times to send me the certified information to me so I can review it and the representative named XXXX at XXXX, stated that I would have to subpoena that information if i wanted it. XXXX  has not been cooperative and they still insist on not changing the status of this account although I sent them the proof they requested. XXXX  is basically taking the word of XXXX XXXX because they are being paid by that company to report this inaccuracy on my credit report. I am tired of the back and forth with both the company and XXXX. I need help from another agency now.
Consumer complaint received 2019-06-03
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. (MO)

I paid off XXXX XXXX my truck payment in full and they reported me 30 days delinquent. It was an error on XXXX XXXX and it was not removed from my report. I want it removed I never missed a payment and it ruined my credit. I am very upset and it is not fair. My next corse of action is suing XXXX which is expensive and I dont want to go through that. Please help. Thank you XXXX XXXX. 

XXXX reported me late 30 days and I had already paid the truck off. Completely ridiculous.
Consumer complaint received 2020-12-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have inquiries on all 3 major credit bureaus that I did not authorize over the last 18 months and as I have tried to work with the 3 agencies to remove them, they tell me I have to reach out to the creditor and have them provide documentation to me about the inquiries and how they need to be removed. These creditors have told me that I need to contact the bureaus and have them removed. The 3 bureaus tell me that I need to call the creditors to send me documentation saying that they will remove them or that the bureaus need to remove them. Which is it? Each party say i need to contact the other side! This is XXXX XXXX! I am trying to buy a home in XXXX and these hard inquiries are killing me right now. Please help!! 

XXXX : 1. XXXX XXXX - Inquiry on XX/XX/XXXX - Not authorized 2. XXXX XXXX XXXX - Inquiry on XX/XX/XXXX - Not Authorized 3. XXXX XXXX XXXX  - Inquiry on XX/XX/XXXX - Not Authorized 4. XXXX XXXX XXXX - Inquiry on XXXX XXXX, XXXX - Not Authorized 5. XXXX XXXX XXXX - Inquiries on XXXX XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX - Not Authorized 6. XXXX XXXX XXXX - Inquiry on XXXX XXXX, XXXX - Not Authorized 7. XXXX XXXX XXXX - Inquiry on XXXX XXXX, XXXX - Not Authorized Transunion : All NOT AUTHORIZED!! 
1. XXXX XXXX - Inquiry date : XX/XX/XXXX 2. XXXX XXXX - Inquiry date : XX/XX/XXXX 3. XXXX XXXX - Inquiry date : XX/XX/XXXX 4. XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX 5. XXXX XXXX - Inquiry date : XX/XX/XXXX 6. XXXX XXXX  - Inquiry date : XX/XX/XXXX 7. XXXX - Inquiry date : XX/XX/XXXX 8. XXXX - Inquiry date : XX/XX/XXXX 9. XXXX XXXX - Inquiry date : XX/XX/XXXX 10. XXXX - Inquiry date : XX/XX/XXXX 11. XXXX - Inquiry date : XX/XX/XXXX 12. XXXX XXXX - Inquiry date : XX/XX/XXXX 13. XXXX - Inquiry date : XX/XX/XXXX 14. XXXX - Inquiry date : XX/XX/XXXX 15. XXXX XXXX - Inquiry date : XX/XX/XXXX 16. XXXX - Inquiry date : XX/XX/XXXX 17. XXXX - Inquiry date : XX/XX/XXXX 18. XXXX  XXXX - Inquiry date : XX/XX/XXXX 19. XXXX XXXX - Inquiry date : XX/XX/XXXX 20. XXXX - Inquiry date : XX/XX/XXXX 21. XXXX XXXX - Inquiry date : XX/XX/XXXX 22. XXXX - Inquiry date :XX/XX/XXXX XXXX : All Not Authorized 1. XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX 2. XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX 3. XXXX XXXX XXXX  - Inquiry date : XX/XX/XXXX 4. XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX 5. XXXX - XXXX - Inquiry date : XX/XX/XXXX 6. XXXX XXXX - Inquiry date : XX/XX/XXXX 7. XXXX - Inquiry date : XX/XX/XXXX 8. XXXX XXXX XXXX  XXXX - Inquiry date : XX/XX/XXXX 9. XXXX - Inquiry date : XX/XX/XXXX 10. XXXX XXXX - Inquiry date : XX/XX/XXXX 11. XXXX XXXX - Inquiry date : XX/XX/XXXX 12. XXXX XXXX - Inquiry date : XX/XX/XXXX 13. XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX Please help me with this. This is ridiculous and no one on either side seems to want to help. Thank you.
Consumer complaint received 2020-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

Dear CFPB, i have sent multiple letters to Experian, XXXX, XXXX  over the course of a few months. I believe i was a victim of ID theft. I attatched a copy of my ID, SSN card, FTC report, and Cover letter. Last letter was sent out XX/XX/2020. There are accounts on my credit that arent mine.
Consumer complaint received 2020-12-04
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credence Resource Management, LLC (IL)

Credence Resource management keeps harrassing me calling me at least 3 times a day. When I contacted them to let them know why they keep calling me they wont give me any information without wanting me to give personal information which I dont find I should as they are calling me why do I need to give them personal information when I dont even know who they are.
Consumer complaint received 2021-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I am having a problem with MERCHANT ADJUSTMENTS. I HAVE REACHED OUT TO THEM ABOUT 120 DAYS NOW REQUESTING VALIDATION THAT ANYONE AUTHORIZED THEIR COMPANY TO RETRIEVE MY MEDICAL INFORMATION AND PROOF OF THE ACCOUNT NOT JUST A BILL THEY CREATED. THEY ONLY TOLD ME THAT SOMEONE AT THE ALLEDGED HOSPITAL TOLD THEM I AUTHORIZE ANY PROVIDER TO SEE THEIR MEDICAL INFORMATION. 

IF THIS WAS THE CASE, THEY STILL WOULD NOT BE ABLE TO ACCESS ANY OF MY MEDICAL INFORMATION BECAUSE THEY ARE NOT A PROVIDER THEY ARE A COLLECTION AGENCY.I ASKED FOR THAT LETTER, AND THEY REFUSED TO SEND IT TO ME. 

THIS IS A IDEA OF THE LETTER I SENT THEM AND THEY SENT NOTHING Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until the debt has been validated by me Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant will be a violation of the FDCPA because you Will be deceiving me after my written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt. Furthermore, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I await your reply with the above-requested proof. Upon receiving it, I will correspond back with you by certified mail. Kind regards, The listed items are entirely inaccurate and incomplete and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you had thirty ( 30 ) days to complete your re-investigation, yet you have failed to respond. Do not delay any further. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ).