davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY (CO)

I received two letters from Wells Fargo bank on XXXX XXXX, XXXX. One contained a credit card in my name. This was not a credit card offer but an actual card. The other was a PIN for the aforementioned card. I called the number for customer service from the first letter. I stated I had not had an account with Wells Fargo for at least 12 years and that I had not applied for a card with them. The first thing they asked for after my name was my FULL social security number. I said I would not give them this and would go to the local bank .I did so that same day and spoke with XXXX XXXX XXXX XXXX XXXX He looked up the card and stated an account had been opened in my name online with Wells Fargo on XX/XX/XXXX. He verified who I was with my driver 's license and last 4 digits of my social security number. He then called someone named XXXX at Wells Fargo. She said there was an investigation recently started into this kind of issue and, in fact, XXXX told me before the call there had just been an Alert issued that day or the day before. I asked XXXX to have this account closed that day. XXXX, who would not give her last name, said that she would not close the account because she did not know if that was OK due to the investigation. She gave XXXX a claim # XXXX for their investigation. When XXXX got off the phone I insisted that account be closed .He did so and I was given a document stating that the account was closed. I went to the FTC website and was redirected here. 
The billing address I submitted below is the address I was living at several months ago.
Consumer complaint received 2021-09-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (CA)

I received a debt collection letter from Jefferson Capital, stating that I had a collection for XXXX XXXX. I have never had an account with XXXX so I dont know how I would owe them anything. 
I called XXXX, but they would not speak to me about an account the is in collection.
Consumer complaint received 2020-10-20
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: Experian Information Solutions Inc. (WA)

An outstanding balance of {$1100.00}, as reported by XXXX XXXX, has remained on my credit report since XXXX. I have previously disputed this information with XXXX and Experian, at least twice and, they continue to report. I do not have an outstanding balance. I have done business with XXXX XXXX since that time and, my account was always current and in good standing. Even if there was an outstanding balance from XXXX, it would have been included in a Chapter XXXX bankruptcy discharged in XX/XX/XXXX. Moreover, the reporting has continued far in excess of the seven year timeline as determined by the Fair Credit Act and Federal  Trade Commission. Finally, each time I have disputed, the credit reporting agency updates the actual date on file to reflect the same date in which I disputed ; thus, the appearance of the outstanding balance more recent than actual.
Consumer complaint received 2018-01-07
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: EQUIFAX, INC. (AZ)

I am a victim of identity theft. The following accounts are fraudulent, unauthorized and dont belong to me : XXXX XXXX XXXX, XXXX XXXX and XXXX/XXXX XXXX XXXX, with a balance of {$420.00}.
Consumer complaint received 2017-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE (MD)

I have a credit card from barclay which I used to purchase my XXXX XXXX. It was interest free for a year and I made all of my monthly payments. When the interest hit the card it was over {$300.00} which pushed my card over the limit. I have been making all of my monthly payments. None of my payments missed. I called this morning to get a new card because I realized my card had expired. I was informed my card was cancelled because it had a high balance and because of other accounts I have opennwith other creditors. Along with that I was also informed the card company checked my credit periodically reviewing accounts that had nothing to do with Barclay. .As I stated to the manager I was in the process of paying my account down today since I will be going on travel and will need to use the card. The was told I have to re-apply. I do not wish to reapply because it creates a hard credit inquiry. I wished for them to re-open my account. I was then told they can do as they wish with any of the customers they choose, that a letter was sent to me stating they were cancelling my account once the card expires ( a letter I never received ). In my defense I stated it seems unfair to cancel someone card because it has a high balance, with no missed payments. Once I stated this practice seem to be deceptive and an unfair debt collection practice the manager no longer wished to speak with me. I asked for a number to corporate and was informed I could not be provide with that information. I could be given a mailing address to send a letter.
Consumer complaint received 2021-09-09
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SELECT PORTFOLIO SERVICING, INC. (VA)

What Is this complain about? 

Pre-XXXX  Successful Loan Modification on my family residence townhouse, the 1st Mortgage holder was XXXX XXXX XXXX. This previous 1st Mortgage was secured by a Deed of Trust, that is now more than 10 years old. There is a lien recorded due to this old 1st XXXX XXXX XXXX that still exists and needs to be removed now when XXXX  XXXX Claim & The legal basis of the claim now is made known via a XXXX  XXXX Point of Contact to be specified by them as per this request via this CFPB protocol. 

The XXXX Loan Modification was done via XXXX 1st Mortgage Loan who assigned the modified loan to XXXX ( XXXX Subsidiary ). About 5 years ago, this modified loan was purchased by XXXX of Texas who still this new modified 1st Mortgage holder. 

This current modified 1st Mortgage is current and always been so. The current monthly payment as specified by XXXX is $ XXXXMonth with {$600.00} for 1st Mortgage Payment and XXXX XXXX/Mo for Escrow. 


What Happened? 

Until XXXX, XXXX when XXXX  XXXX XXXX  selected 3rd Party Debt Collector, for more than 10 years, XXXX  XXXX XXXX never contacted me regarding payment on their claim. SPS.COM weekly mailing of monthly payment does not specify what the XXXX XXXX Claim currently is and the legal basis of that claim. 

This issue needs to be specified and clarified by a qualified XXXX  XXXX XXXX POC, to determine legimacy and fairness by a specified POC for XXXX  XXXX XXXX 

Discussed by qualified legal representative for myself & family. Once this XXXX XXXX  claim and the legal basis is undestoods, steps than can be taken to legally settle a just monetary settlement so that the XXXX  XXXX lien can be removed legally. 
SPS.COM is a 3rd party debt collector located in XXXX XXXX XXXX, UT. Each week they send a weekly payment due billing on behalf of XXXX  XXXX XXXX that does not specify either the " XXXX XXXX Claim '' currently or the legal basis of that claim. 

For example, if legal basis of the XXXX  XXXX XXXX claim is that they are exampt from the State of Virginia Statuatory limitation of 7 years, there needs to be legal justification for such XXXX XXXX XXXX examption claim via conversation with a qualified XXXX  XXXX XXXX POC and my legal representative verbally and if necessary in writing. 

What Happened TOPIC 02 : State of Virginia Attorney General 's Office Consumer Complaint No : XXXX XXXX XXXX XXXX XXXX SPS.COM Secondly, Since the XXXX Mortgage Forebearance is administered by the Office of Attorney General in Virginia, I filed a complaint against SPS.COM, in XXXX, XXXX for assistance in receiving such legal clarification.
Consumer complaint received 2017-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in you credit file. The Credit Bureau has not updated the information and per law true Bankruptcy listed does not include this information and should be deleted from my credit report
Consumer complaint received 2018-03-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Northland Group Inc (CT)

Northland Group claims I owe XXXX to XXXX XXXX. This amount includes a fraudulent charge from XXXX XXXX XXXX in the amount of XXXX on or around XX/XX/2017. Several overdraft fees in the amounts of XXXX were also charged to account which stem from charge to XXXX XXXX XXXX. The transaction was disputed several times, a provisional credit was issued at one point, a rep with XXXX XXXX advised me as per an investigator that the claim was closed in my favor. The credit was later reversed, it appears that rep lied to me. Transaction was disputed several more times, never resolved. As I stated to XXXX XXXX  and a prior collection agency which attempted to collect on this debt, I did not purchase anything from XXXXXXXX XXXX XXXXXXXX and do not own a XXXX. The entire balance of XXXX stems from this one transaction which is fraud and will not pay. Northland Group apparently purchased the debt from the previous collection agency whom I do not have the name of, they were advised of the same information and that I refuse to pay.
Consumer complaint received 2017-07-26
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America Loan No. # XXXX Phone No. # XXXX Monday - Thursday : XXXX XXXX. - XXXX XXXX Friday : XXXX XXXX - XXXX XXXX Saturday - Sunday : Closed XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Countrywide Financial Corporation was my first and only lender until Bank of America bought Countrywide Financial Corporation on about XX/XX/XXXXAfter 5 long years of giving Bank of America all the documents they requested for working out a Short Sale the Short Sale personal finally agreed to allow me to do a Short Sale. Bank of America agreed to a payoff of {$200000.00} in which they would be paid in full. On or about XX/XX/XXXXI called Bank of America and customer service answered and informed me that they now longer service me and they sold my loan to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX & XXXX XXXX, CA XXXX Loan No. # XXXX XXXX XXXX is my case manager # XXXX XXXX : XXXX My question is why would Bank of America sell my loan for pennies on the dollar and take a loss when they were going to be paid in full? Numerous times Bank of America has refused to produce requested documents for me and also to my real estate agent XXXX XXXX ( XXXX ). I dont believe Bank of America has a legitimate explanation and also cant produce the documents requested and thats why Bank of America sold my loan before the Short Sale could take place. Consumer Financial Protection Bureau : Complaint number:XXXX. Date Submitted to CFPB : XX/XX/XXXX. Date sent to Bank of America : XX/XX/XXXX. XX/XX/XXXX Bank of Americas short version Summary of Research : Please be advised that the service transfer of a loan is not related to the status of any loan review. Buying and selling of loans is normal business practice for all lenders. If you need additional information about servicing related inquiries, including short sale and title related inquiries, please contact the current servicer, XXXX, at XXXX. Now, I have no choice but to ask the same questions to XXXX XXXX XXXX XXXX. Consumer Financial Protection Bureau : Complaint number:XXXX. Date Submitted to CFPB : XX/XX/XXXX. Date sent to XXXX XXXX XXXX XXXX : XX/XX/XXXX. Consumer Financial Protection Bureau : Complaint number:XXXX. Date Submitted to CFPB : XX/XX/XXXX. Date sent to XXXX XXXX XXXX XXXX : XX/XX/XXXX. The XXXX XXXX XXXX XXXX Legal Department on XX/XX/XXXX transferred the complaint to the Customer Advocate Department for further research. On XX/XX/XXXX The Customer Advocate Department of XXXX XXXX XXXX , XXXX claimed that Bank of America only gave XXXX XXXX XXXX XXXX the servicing documents from XX/XX/XXXX. Thats when I refinanced with Bank of America and XXXX XXXX  XXXX XXXX therefore cant produce any of the needed documents and/or answer the necessary questions. The Customer Advocate Department of XXXX XXXX XXXX , XXXX referred me back to Bank of America for the needed documents. XXXX XXXX XXXX XXXX doesnt have any of the below documents and only Bank of America does.
Consumer complaint received 2022-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be be investigated and corrected : BankruptcyXXXX XXXX BankruptcyXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-01-05
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)

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.
Consumer complaint received 2018-03-26
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 — Their investigation did not fix an error on your report
Company: Midwest Recovery Systems (FL)

There is a collections item listed on my XXXX Credit report from XXXX XXXX XXXX, XXXX that was listedXX/XX/XXXXXX/XX/XXXX in the amount of {$1100.00}. I filed a dispute via US Mail with both XXXX and Midwest Recovery Systems asking for Validation of the debt. The confirmation number for the dispute for XXXX  is XXXX. I received a letter in the mail from XXXX dated XX/XX/XXXX stating the debt was verified as belonging to me. I called Midwest Recovery Systems at XXXX. The representative from Midwest Recovery Systems stated that they have not responded to any credit bureaus as of yet because they only just received the notice of the dispute on XX/XX/XXXX and sent in a request to the original creditor " XXXX XXXX XXXX '' for a request of validation and has not yet received a response. I called XXXX Customer Service and spoke with a supervisor named Summer who refused to give me her initial of her last name who stated that Midwest Recovery Systems responded to the dispute on XX/XX/XXXX verifying the debt as mine. I asked if they could send me whatever validation that was used, to which she said no. I advised Summer that I called Midwest and I advised her of what they told me and she said that is not what the record shows. I asked if I could call the creditor on conference or if she could call being that there is a miscommunication to which she responded no. I advised XXXX that I already have a fraud alert on my account and she said all she could do is have the fraud department file another dispute. I did indeed just that. It is my belief that XXXX is not disputing my accounts correctly and are not truly receiving any validation and I am appalled that they can not send me proof or that they will not reach out to the creditor so verify if it was indeed them that responded to the dispute. I have sent numerous letters and called Midwest Recovery several times since XX/XX/XXXX and I receive the same response every time. I would like this removed from my credit report immediately!!!
Consumer complaint received 2022-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (AL)

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices.

Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done XXXX XXXX can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge
Consumer complaint received 2024-01-29
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. (GA)

I looked at my credit report on XXXX XXXX XXXX, and noticed some things are incomplete and not accurate. I sent a letter to Experian on XXXX, XXXX and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. They are breaking the law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 15 USC USC 1681i ( 5 ) it states that this ( 5 ) Treatment of inaccurate or unverified information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( I ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer reporting agency if- ( i ) the person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
This is unfair and if they are doing this to me imagine who else they are doing this too.
Consumer complaint received 2022-03-10
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)

I have filed 5 years of multiple complaints that Experian supplied my credit report to XXXX XXXX XXXX XXXX ( XXXX ) without my permissible permission on XX/XX/2017. I have repeatedly asked for copy of this permission to prove COAF did not have my permission. Who is protecting my private information because Experian is not? Their response on latest complaint reflected " In accordance with the Fair Credit Reporting Act, entities who have certified to Experian that they have a permissible purpose may inquire about credit information ''. XXXX did not, Experian doesn't investigate other than asking the lying COAF if they had permission and they claim to be reporting correctly. AND BOTH COMPANIES REFUSE TO SEND THE VALID PERMISSIBLE PERMISSION THAT GAVE XXXX THE RIGHT TO RECEIVE MY PERSONAL INFORMATION AND FOR EXPERIAN TO GIVE OUT MY PERMISSIBLE PERMISSION. And Experian doesn't investigate nor is Experian protecting my personal information. I am a squeaky wheel until I am heard in Washington.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (WA)

I was part of the Equifax credit information hack. I find it unacceptable that I had to pay in order to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. It took me three times and over 3 hours to freeze my credit, and for XXXX and Equifax I had to try multiple times for it to work. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.